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Last updated: 01-06-2026

Axis Bank

Axis Bank Atlas Credit Card

"India's best airline-agnostic travel card — earn EDGE Miles across 20+ airline and hotel partners"

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Quick Summary

💳 Joining Fee

₹5,000 + GST

🔄 Renewal Fee

₹5,000 + GST

Waived: No spend-based waiver; EDGE Miles worth ₹2,500 (Silver tier) or ₹5,000 (Platinum tier) credited on renewal

🎯 Best Suited For

Frequent travellers who prefer earning transferable airline miles over cashback; those who book flights and hotels directly or via Axis Travel EDGE portal

🎁 Reward Type

EDGE Miles (transferable to 20+ airline and hotel loyalty programs at 1:2 ratio; or 1:1 via Travel EDGE portal)

🎉 Welcome Benefit

2,500 EDGE Miles on first transaction within 37 days of card activation (worth ₹2,500 on Travel EDGE portal or ₹5,000 in airline partner miles at 1:2 ratio)

💰 Reward Rate

5 EDGE Miles per ₹100 on travel spends (flights, hotels, direct airline bookings) up to ₹2 lakh/month; 2 EDGE Miles per ₹100 on all other eligible spends; 60 EDGE Miles per ₹200 on Travel EDGE portal bookings

✈️ Lounge Access

Unlimited domestic airport lounge access (primary and add-on cardholders); 6 international lounge visits per year via Priority Pass (primary cardholder); tier-based additional visits for Gold and Platinum members

💱 Forex Markup

2% + GST on international transactions

✅ Pros

Best transferable miles card in India — 20+ airline and hotel partners
Tier-based rewards that grow with spending
1:1 redemption on Travel EDGE portal (same as HDFC Infinia)
Unlimited domestic lounge access for primary and add-on
Low forex markup of 2%

❌ Cons

Currently not accepting new applications (June 2026)
Redemption capped at 1.5 lakh EDGE Miles per year
Group A partners (British Airways, Finnair) offer worse 2:1 ratio
Accelerated earn capped at ₹2 lakh/month travel spend
No milestone benefit — only tier-based bonuses

🎁 Rewards & Benefits

Reward Type

EDGE Miles (transferable to 20+ airline and hotel loyalty programs at 1:2 ratio; or 1:1 via Travel EDGE portal)

Welcome Benefits

2,500 EDGE Miles on first transaction within 37 days of card activation (worth ₹2,500 on Travel EDGE portal or ₹5,000 in airline partner miles at 1:2 ratio)

Reward Rate

Reward Redemption

Transfer EDGE Miles to 20+ airline and hotel partners at 1:2 ratio (1 EDGE Mile = 2 partner miles/points) for Group B partners; Group A partners (e.g. British Airways, Finnair): 2 EDGE Miles = 1 partner point. Redeem on Axis Travel EDGE portal at 1:1 (1 EDGE Mile = ₹1). Maximum 1.5 lakh EDGE Miles redeemable per year (30,000 for Group A, 1,20,000 for Group B).

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000; maximum waiver ₹500 per statement cycle

Lounge Access

Spend Based Fee Waiver

No annual fee waiver based on spends; renewal miles are credited instead

Milestone Benefits

Silver tier (₹3L annual spend): 2,500 EDGE Miles bonus; Gold tier (₹7.5L): 5,000 EDGE Miles bonus; Platinum tier (₹15L): 10,000 EDGE Miles bonus. Higher tiers also unlock additional lounge visits and enhanced earning rates.

Other Benefits

Tier-based benefits: Silver, Gold, and Platinum levels unlock progressively more EDGE Miles and lounge visits; eligible for Axis Bank Dining Delights (up to 15% off at 4,000+ restaurants)

✨ Special Perks & Exclusive Offers

Memberships

Details coming soon

Insurance Cover

Zero lost card liability on immediate reporting; travel insurance for baggage loss/delay

Add-on Cards

Add-on cards available; domestic lounge access extended to add-on cardholders

Concierge Services

24/7 lifestyle concierge services

Special Offers

Exclusive offers via Axis Travel EDGE portal on flights and hotels; Grab Deals for accelerated EDGE Miles on partner merchants

💳 Fees & Interest Rates

Joining Fee

₹5,000 + GST

Annual Fee / Renewal Fee

₹5,000 + GST
✓ Waived on: No spend-based waiver; EDGE Miles worth ₹2,500 (Silver tier) or ₹5,000 (Platinum tier) credited on renewal

Interest Rate (APR)

💡 Pay your balance in full each month and this never applies to you.

3.6% per month (52.86% per annum)

ATM Cash Withdrawal / Cash Advance

2.5% of withdrawn amount, minimum ₹500

Late Payment Charges

₹100 (due up to ₹500); ₹500 (₹501–₹10,000); ₹750 (above ₹10,000)

Over Limit Charges

2.5% of overlimit amount

Cheque Bounce / Auto-Debit Return

Details coming soon

Foreign Currency Markup

2% + GST on international transactions

Other Charges

Note: Axis Bank has closed new applications for Atlas as of mid-2026; existing cardholders continue to enjoy benefits

📋 Eligibility & Credit Limit

Eligibility Criteria

Age 18–70 years; salaried or self-employed; minimum annual income ₹6 lakh; strong credit history required. Note: Card currently not accepting new applications.

Credit Score Requirement

750+ CIBIL score recommended

Credit Limit

Based on income and Axis Bank credit assessment