Card Details · CardCheck

Key Benefits

5 EDGE Miles per ₹100 on airline, hotel & Travel EDGE spends (up to ₹2 lakh/month)

2 EDGE Miles per ₹100 on other eligible spends

1 EDGE Mile = ₹1 on Travel EDGE or up to 2 partner air miles/hotel points

Up to 18 domestic and 12 international lounge visits yearly via tier-based benefits

2,500 EDGE Miles as welcome benefit on first transaction within 37 days

Additional 2,500–5,000 EDGE Miles on annual spend milestones

Complimentary Priority Pass membership included

1% fuel surcharge waiver on eligible fuel transactions

Rewards

Earning rates across spend categories

5.00%

Other

Fees & Charges

Annual fee waived on spends of ₹750,000

Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 + GST
Annual Fee Waiver	Available
Late Payment Fee	1200.00%
Foreign Currency Markup	3.50%
Cash Advance Fee	2.50%

About this Card

Axis Atlas is a mid-premium travel credit card in India's most talked-about travel cards. It offers tiered EDGE Miles earning based on annual spend milestones — Silver (₹7.5L), Gold (₹15L), Platinum (₹30L). Miles are redeemable at ₹1 per mile for flights and hotels via the EDGE Rewards portal or via airline partner transfers. International lounge access via Priority Pass makes it a genuine travel companion.

Exclusions

No miles on fuel, EMI, wallet loading, rent, gold/jewellery, insurance, government transactions

Miles earn capped at ₹2L/month on accelerated categories

Tips & Reviews

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Eligibility

Min. Income₹100,000/month

Min. Credit Score750+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

One of the best travel credit cards in India under ₹5K fee range
Excellent airline and hotel transfer ratios
Strong rewards on direct airline and hotel bookings
Lounge access scales nicely with annual spends
Travel EDGE redemption can generate very high value
Great flexibility across multiple loyalty partners
Strong milestone rewards for frequent travelers
Good companion card for travel-focused users

CONS

Forex markup is high at 3.5%
Best value depends heavily on travel rewards optimization
Reward exclusions are extensive (rent, fuel, utilities, insurance, wallets, etc.)
Lounge access and tier benefits depend on annual spend levels
Reward system can feel complex for beginners
Some premium benefits have been devalued recently
Not ideal for users preferring simple cashback rewards
Annual fee waiver threshold is very high

Who is this card for?

Frequent travellers spending ₹7.5L+ annual who want airline miles and lounge access. Strong value if you spend heavily on travel, dining, and online categories.

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Last updated: 11 Sep 2026

Axis Bank Atlas Credit Card