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    Axis Bank

    Axis Atlas Credit Card

    cat name Travel
    cat name Lounge Access
    cat name Rewards
    4.0/5.0

    Travel4.0/5

    Rewards4.0/5

    Lounge Access3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹5,000* Plus Applicable Taxes

    Rewards

    Rewards

    Up to 10% value-back on travel spends

    Lounge Access

    Lounge Access

    Complimentary lounge access worldwide

    Travel

    Travel

    1:2 redemption ratio on partner airlines & hotels

    Updated on November 27, 2025 5:57 pm

    Author: Shruti Sharma

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    About The CardRewards ProgramOther Travel BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Axis Atlas Credit Card

    Axis Atlas is one of the most popular travel credit cards in India in the airline-agnostic segment. Cardholders can earn accelerated EDGE Miles on their travel spends, which can be redeemed across 20+ travel partners in 1:2 ratio. Travellers can also book tickets directly through Axis Bank’s Travel EDGE Platform, where the value of 1 EDGE Mile is Rs. 1. Besides rewards, Axis Atlas works on a tier-based benefit model wherein cardholders can get additional lounge visits and bonus EDGE Miles on reaching spending thresholds.

    While the card delivers an excellent reward rate on travel, certain limitations exist, such as the categorization of transfer partners into Group A and Group B, along with capping for each. Moreover, accelerated reward earnings on travel are limited to monthly spends of Rs. 2 Lakh. While this may suffice for moderate spenders, travellers with higher monthly expenses might find it restrictive. Moreover, despite being a travel-focused card, Axis Atlas carries a high forex mark-up fee of 3.5%, which can be a drawback for international travellers. Here is all you need to know about Axis Atlas Credit Card.

    Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Axis Bank’s website.

    Rewards Program

    • 5 EDGE Miles per Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
    • 2 EDGE Miles per Rs. 100 spent across monthly travel spends above Rs. 2 Lakh
    • 2 EDGE Miles per Rs. 100 spent across all categories1,2

    Reward Redemption

    You can redeem your accumulated reward points3 with Axis ATLAS, in the following ways:

    • Axis Travel EDGE: Redeem to book flights, hotels and experiences via Axis Travel EDGE platform in the ratio of 1:1 (1 EDGE mile = Rs. 1)
    • Points-to-Miles Conversion: Convert EDGE miles into partner miles or hotel loyalty points with select partner airlines and hotels. Click here to check the list of partners.
      Here, 1 EDGE Mile = 2 Partner Points, except for Marriott Bonvoy where 2 EDGE Miles = 1 Marriott Bonvoy Point. You can redeem a total of 1.5 Lakh reward points in a year, maximum 30,000 EDGE Miles for Group A partners and 1,20,000 EDGE Miles for Group B partners in a year.
    Image of Axis Atlas Credit Card
    For a travel-centric credit card, Axis Atlas' reward structure is quite impressive. This is mainly because of its 1:2 redemption across leading airlines and hotel partners. For example, spending Rs. 1 Lakh on travel earns 5,000 EDGE Miles, which can be converted into 10,000 air miles or hotel loyalty points—delivering strong value. However, division of transfer partners into Group A and Group B can be a limitation, especially for those who prefer the Group A brands, as the transfer capping is set too low. For example, if you prefer Singapore Airlines, you would be able to transfer only 30,000 EDGE Miles in a year, even if you have accumulated more EDGE Miles.
    Image of Axis Atlas Credit Card

    Other Travel Benefits

    Tier Based Benefits
    Besides the above mentioned general benefits that are offered to all Axis ATLAS credit card users, the card extends tier-based benefits to users based on the cumulative spends made in an anniversary year. The users are categorized into 3-Tier Milestone Privilege Programs as follows4:

    • Silver Tier: On spending Rs. 3 Lakh
    • Gold Tier: On spending Rs. 7.5 Lakh
    • Platinum Tier: On spending Rs. 15 Lakh

    Based on the tier a user falls into, the milestone, annual and lounge access benefits are extended as follows:

    View More

    Axis Atlas: Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 5,000 + Taxes
    Annual Fee Rs. 5,000 + Taxes
    Finance Charges 3.75% per month
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 500 Nil
    From Rs. 501 to Rs. 5,000 Rs. 500
    From Rs. 5,001 to Rs. 10,000 Rs. 750
    Greater than Rs. 10,000 Rs. 1,200

    Savings on Axis Atlas Credit Card

    Using Axis Atlas Credit Card, cardholders can earn significant EDGE Miles which are valued at Rs. 1 for booking tickets via Axis Bank’s Travel EDGE Platform. Let’s understand total EDGE Mile earnings for cardholders belonging to different tiers.

    Silver Tier

    Category Total Spending (in Rs.) EDGE Miles Earning
    Online shopping 1,00,000 2,000
    Grocery 45,000 900
    Travel (5 EDGE Miles/Rs. 100) 1,20,000 6,000
    Offline shopping 20,000 400
    Entertainment 15,000 300
    Bonus Points (Milestone)
    		 – 2,500
    Total 3,00,000 12,100

    Gold Tier

    Category Total Spending (in Rs.) EDGE Miles Earning
    Online Shopping 2,70,000 5,400
    Grocery 1,00,000 2,000
    Travel (5 EDGE Miles/Rs. 100) 2,50,000 11,000
    Offline Shopping 70,000 1,400
    Entertainment 60,000 1,200
    Bonus Points (Milestone) – 5,000
    Bonus Points (Annual) – 2,500
    Total 7,50,000 28,500

    Platinum Tier

    Category Total Spending (in Rs.) EDGE Miles Earning
    Online shopping 5,00,000 10,000
    Grocery 3,00,000 6,000
    Travel (5 EDGE Miles/Rs. 100) 3,00,000 12,000
    Offline shopping 2,00,000 4,000
    Movies 50,000 1,000
    Health and Wellness 1,50,000 3,000
    Bonus Points (Milestone) – 10,000
    Bonus Points (Annual)
    		 – 5,000
    Total 15,00,000 51,000

    Now, since you have reached the Platinum Tier, you would also have availed the benefits of Silver and Gold Tiers, thereby increasing your overall benefits. For example, the total milestone bonus EDGE Miles would be 2,500 for Silver, 5,000 for Gold and 10,000 for Platinum, making your total earnings 17,500 EDGE Miles.

    Suggested Read: International Lounge Access Credit Cards | Get the Right Credit Card Now

    Things to Know Before you apply

    Get this card if:

    You do not want to limit your benefits to a particular brand, instead seek good value across all travel spends

    You do not seek benefits across other categories like lifestyle, shopping, etc.

    You mostly travel within India and can easily maximize the benefits

    Your annual spends would be sufficient to upgrade to Gold and Platinum Tier and avail higher benefits

    Eligibility Criteria:

    Age: 18 to 70 years

    Occupation: Salaried or Self-employed

    Minimum Income Requirement: Rs. 12 LPA for Salaried & Rs. 15 LPA for Self-employed

    Paisabazaar Review

    Overall Rating

    4.0/5

    Travel4.0/5

    Rewards4.0/5

    Lounge Access3.5/5

    What do we like about this card?

    Axis Atlas Credit Card allows consumers to earn 2.5X reward points on travel spends through the Travel EDGE Portal. What makes this card stand out is its flexibility to redeem rewards across 20+ travel partners at 1:2 ratio. Besides this, when making travel booking via Axis Bank’s Travel EDGE Platform, cardholders can get a value of Rs. 1 for each EDGE Mile, which is equivalent to premium cards like HDFC Infinia and HDFC Diners Club Black.

    Pros

    • 1:2 redemption value against partner airline and hotels
    • Accelerated reward benefits (2.5X EDGE Miles) on travel spends
    • Milestone benefits of up to 10,000 EDGE Miles every year
    • Decent number of international and domestic lounge visits

    Cons

    • High forex markup fee of 3.5%
    • Complicated tier-based benefit structure
    • High annual fee of Rs. 5,000
    • Reward points cannot be redeemed against cashback

    Conclusion

    Axis Atlas is designed for travellers and offers 2.5X EDGE Miles on travel spends. Travellers can maximize the card’s value by putting monthly travel spends up to Rs. 2 lakh on the card. Given the typically high cost of travel, reaching this milestone should not be difficult for those who frequently travel within India and abroad. However, the card has limitations for frequent international travellers, due to a steep 3.5% forex mark-up fee and no accelerated rewards on travel spends beyond Rs. 2 lakh per month. That said, for those who prefer flexibility over loyalty to a specific airline or hotel, Axis Atlas remains a strong choice with its 1:2 reward point conversion to air miles or hotel loyalty programs.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Axis Atlas Credit Card offers three tier-based memberships: Silver, Gold, and Platinum, based on the spending criteria. Cardholders can achieve the Silver tier by spending Rs. 3 Lakh, and the Gold tier by spending Rs. 7.5 Lakh, and the Platinum tier by spending Rs. 15 Lakh. With higher tiers, cardholders can access enhanced benefits such as a higher number of complimentary airport lounge visits and increased bonus reward points through milestone and annual benefits.

    Axis Atlas is a travel-focused credit card that offers EDGE Miles, which can be redeemed against partner air miles or hotel loyalty points at a 1:2 ratio or for travel bookings through the Travel EDGE portal at a 1:1 ratio. On the other hand, the Axis Select Credit Card offers EDGE reward points, redeemable through the rewards catalogue at a value of Rs. 0.20 per point and against partner air miles and hotel loyalty points at a 10:1 ratio.

    By spending Rs. 5 Lakh in a year, cardholders can achieve the Platinum tier, which offers up to 12 domestic lounge visits and 6 international lounge visits annually. They can also earn up to 5,000 EDGE Miles as milestone and annual benefits, worth Rs. 10,000 when redeemed against partner airlines or hotel loyalty points at a 1:2 ratio. Furthermore, cardholders earn 2 EDGE Miles for every Rs. 100 spent on travel and other categories. This makes the card especially beneficial for frequent travellers who can maximize its features and save on travel spends.

    Axis Atlas Credit Card offers milestone benefits tied to its tier structure. Cardholders who achieve the Silver tier by spending Rs. 3 Lakh receive 2,500 EDGE Miles as milestone benefits. At the Gold tier, achieved by spending Rs. 7.5 Lakh, they receive 2,500 EDGE Miles as milestone benefits and an additional 2,500 EDGE Miles as annual benefits. At the highest level, the Platinum tier, achieved by spending Rs. 15 Lakh, cardholders earn 5,000 EDGE Miles as milestone benefits and 5,000 EDGE Miles as annual benefits.

    To be eligible for Axis Atlas Credit Card, applicants must be between 18 and 70 years old. Both salaried and self-employed individuals can apply. Salaried individuals must have an annual income of Rs. 12 Lakh, while self-employed individuals must meet the annual income requirement of Rs. 15 Lakh.
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    Footnotes

    1. Excluded categories from rewards earning: Fuel surcharge waiver transactions, insurance, wallet recharge, rent, gold/ jewelry, rent, wallet, Government institution, insurance, fuel and utilities.
    2. 1% transaction fee applies to education payments via third-party apps, rent payments, and spends exceeding monthly limits on wallet loads (Rs. 10,000), fuel (Rs. 50,000), utilities (Rs. 25,000), and gaming (Rs. 10,000).
    3. A reward redemption fee of Rs. 99 applies for redeeming EDGE Reward Points or Miles through the Axis EDGE portal, and Rs. 199 for converting EDGE Reward Points or Miles into loyalty partner program miles.
    4. The tier will be valid for one anniversary year. If a user doesn’t achieve the tier threshold in an anniversary year, they are downgraded to the lower tier.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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