Name: Axis Atlas Credit Card
Brand: Axis Bank Ltd
Price: 5000 INR
Rating: 4.3 (1 reviews)

Axis Atlas Credit Card

(

4.3 )

Beginner

Best For: Travel

From

Approval Rate:

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The Axis Bank Atlas Credit Card is a premium travel-focused credit card designed for frequent flyers who value airline and hotel loyalty points. It offers one of the strongest earn rates on travel spends in India, along with milestone-based bonus Edge Miles, making it ideal for users who concentrate spending on flights, hotels, and premium travel categories.

Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Travel

Reward %

2% - 5%

Joining Fees

₹

5000

Renewal Fees

5000

APR

55.55%

Welcome Benefit

2,500 Edge Miles on Completing 1st Transaction Within 31 Days of Card Issuance

Renewal Benefits

2,500 Edge Miles on successful Renewal fee payment

USP's:

Dedicated Portal, Airport Benefits, Dining Delights. High Edge Miles earning on travel spends with milestone based bonus miles and premium airline/hotel transfer partners.

Fees & Charges

Joining & Renewal Fees

₹5000, ₹5000

Interest & Charges

APR: 45% per annum

Foreign currency markup: 3.50%

Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India

Late Payment Charges:

Outstanding Amount: ₹0 – ₹500 | Late Payment Fee: Nil

Outstanding Amount: ₹501 – ₹5,000 | Late Payment Fee: ₹500

Outstanding Amount: ₹5,001 – ₹10,000 | Late Payment Fee: ₹750

Outstanding Amount: Above ₹10,000 | Late Payment Fee: ₹1,200

Additional Charges

2.5% Cash Withdrawal Charges Min ₹500

Reward Redemption Fees:

Points Transfer charge: Rs. 199+GST

Reward Points Redemption Charge: Rs. 99+GST

Rewards

2 EdgeMiles Per ₹100 Spent on : Groceries, Education, Clothing and Fashion, Electronics, Food and Dining, Entertainment, Bank Portal, Offline Spends, International Spends.

5 EdgeMiles Per ₹100 Spent on Direct Travel, Airlines, Hotels and Travel EDGE

Milestone Benefits

Bonus 2500 EdgeMiles on ₹3 Lakhs Bonus 2500 EdgeMiles on ₹7.5 Lakhs, Additional 2500 EdgeMiles for gold tierBonus 5000 EdgeMiles on ₹15 Lakhs, Additional 5000 EdgeMiles for platinum tier

Exclusions

EMI, Fuel, Government, Insurance, Jewellery, Rent, Utilities, Wallets

Rewards capping

5 Edgemiles on Direct Travel, Airlines and Hotels Spends Capped at ₹2 Lakhs Per Month.

Rewards Validity

3 Years

Redemption modes

Hotel Transfer

Airline Transfer

Travel Booking

Vouchers

Additional Features

Lounge Benefits

Airport Domestic : 4 Per Year for Silver Tier | 6 Per Year for Gold Tier | 12 Per Year for Platinum Tier
Airport International : 8 Per Year for Silver Tier | 12 Per Year for Gold Tier | 18 Per Year for Platinum Tier

Insurance Benefits

Air accident insurance and travel insurance benefits

Other Perks

15% Off on Dining Delights Programe On EazyDiner App

Eligibility Criteria

Age

21Y

Min

65Y

Max

Credit Score

750 Ex Min

Income

(

Salaried

)

₹

12 Lakhs

Income

(

Self Employed

)

₹

12 Lakhs ITR

Other: Card-to-card eligibility requirements.

Pros

Complimentary access to domestic and international airport lounges.

Accelerated reward points on travel-related spending.

Exclusive discounts on flights, hotel stays, and travel bookings.

Reward points can be redeemed for air miles, enhancing travel flexibility.

Cons

High forex markup, not suitable for international transactions

No major cashback benefits for non-travel-related purchases.

EDGE Miles redemption value may vary, potentially limiting reward flexibility.

Lounge access is capped based on the user's tier level.

Terms and Conditions *

Axis Atlas Credit Card

★★★★★

(4.3)

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Category of Card	Reward %	Joining Fees	Welcome Benefits	Renewal Fees	Renewal Benefits	Best For	USP's
Travel	2% - 5%	₹5000	2,500 Edge Miles on Completing 1st Transaction Within 31 Days of Card Issuance	₹5000	2,500 Edge Miles on successful Renewal fee payment	Travel	Dedicated Portal, Airport Benefits, Dining Delights. High Edge Miles earning on travel spends ...

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★★★★★

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Best For: Shopping Bank: Axis Bank Ltd Network: Visa

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★★★★★

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