Key Benefits
5% on travel, 2% others, 1:2 airline transfer, tier lounges
Lounge Access
8-18 domestic + 4-12 international per year (tier-based)
Eligibility
Net income Rs. 12L+/year (salaried) or Rs. 15L+ (self-employed), age 18-70, CIBIL 750+
The Axis Bank Atlas Credit Card is one of India's best airline-agnostic travel credit cards, offering exceptional value through its 1:2 miles transfer ratio to 20+ partners. With 5% return on travel spends and generous tier-based lounge access, it delivers strong value for travellers spending Rs. 7.5 Lakh or more annually. However, the high 3.5% forex markup and absence of insurance benefits are notable drawbacks for a premium travel card.
Best For
Frequent travellers who want airline-agnostic miles with flexible transfer partners and tier-based lounge access.
Not Ideal For
Low spenders under Rs. 3 Lakh annually, those seeking low forex markup, and those wanting insurance or golf benefits.
visits per year
Silver Tier: 8 domestic lounge visits per year via LoungeOne/Dreamfolks. Covers primary cardholder and guests.
visits per year
Silver Tier: 4 international lounge visits per year via Priority Pass. Covers primary cardholder and guests.
visits per year
Gold Tier (Rs. 7.5L annual spend): 12 domestic lounge visits per year via LoungeOne/Dreamfolks.
visits per year
Gold Tier (Rs. 7.5L annual spend): 6 international lounge visits per year via Priority Pass.
visits per year
Platinum Tier (Rs. 15L annual spend): 18 domestic lounge visits per year via LoungeOne/Dreamfolks.
visits per year
Platinum Tier (Rs. 15L annual spend): 12 international lounge visits per year via Priority Pass.
All Spends
Travel
Dining
International
Shopping
Grocery
Online
Redeem your Edge Reward Points for cashback, travel, and more
Axis Travel EDGE Portal
Group A Airlines (Singapore Airlines, Etihad, Qatar, etc.)
Hotel Partners (ITC, IHG, Accor, Wyndham) - 1:2 ratio
InterMiles
5:2 transfer ratio
Instant
Group B Airlines (Air India, SpiceJet, Flying Blue, etc.)
Aeroplan
5:2 transfer ratio
Privilege Club
5:2 transfer ratio
JAL Mileage Bank
5:2 transfer ratio
Miles&Smiles
5:2 transfer ratio
Flying Blue
5:2 transfer ratio
Etihad Guest
5:2 transfer ratio
KrisFlyer
5:2 transfer ratio
Club
5:2 transfer ratio
1-3 Business Days
Qantas FF
5:2 transfer ratio
AirAsia Rewards
5:2 transfer ratio
SpiceClub
5:2 transfer ratio
Marriott Bonvoy - 2:1 ratio
Bonvoy
2:1 transfer ratio
Club ITC
5:2 transfer ratio
ALL
5:2 transfer ratio
Wyndham
5:2 transfer ratio
IHG One
5:2 transfer ratio
2,500 EDGE Miles on completing 1st transaction within 37 days of card issuance
value
2,500 EDGE Miles on reaching Silver Tier (Rs. 3 Lakh annual spend)
Spend ₹3,00,000 within 365 days
value
2,500 EDGE Miles on reaching Gold Tier (Rs. 7.5 Lakh annual spend)
Spend ₹7,50,000 within 365 days
value
5,000 EDGE Miles on reaching Platinum Tier (Rs. 15 Lakh annual spend)
Spend ₹15,00,000 within 365 days
value
2,500 EDGE Miles annual benefit for Gold Tier members on renewal
Spend ₹7,50,000 within 365 days
value
5,000 EDGE Miles annual benefit for Platinum Tier members on renewal
Spend ₹15,00,000 within 365 days
value
Dining
2 /month
25.00% off
25% off (max Rs. 800) at partner restaurants via EazyDiner. Min order Rs. 2,500. Twice per month per card.
Travel Desk
Access to Axis Travel EDGE Portal for booking flights, hotels, and experiences at 1 EDGE Mile = Rs. 1.
See how this card performs in different spending categories compared to other cards.
The Axis Bank Atlas Credit Card is a premium travel credit card designed for frequent travellers who prefer an airline-agnostic miles program. Unlike co-branded cards tied to a single airline, Atlas earns EDGE Miles that can be transferred to 20+ airline and hotel loyalty partners at an attractive 1:2 ratio.
With a joining fee of Rs. 5,000 + GST, the card offers accelerated 5 EDGE Miles per Rs. 100 on travel spends and 2 EDGE Miles per Rs. 100 on all other eligible purchases. The unique tier-based membership system (Silver, Gold, Platinum) unlocks progressively better lounge access and milestone benefits based on annual spending.
The Axis Bank Atlas Credit Card is a Visa Signature travel credit card issued by Axis Bank. It is built around the EDGE Miles loyalty currency, which is separate from Axis Bank's standard EDGE Rewards program. EDGE Miles can be redeemed for flights, hotels, and experiences via the Axis Travel EDGE Portal, or transferred to partner airline and hotel loyalty programs.
Earn 5 EDGE Miles per Rs. 100 on travel spends made via the Axis Travel EDGE Portal, direct airline bookings, and direct hotel bookings. This accelerated earn rate applies up to Rs. 2 Lakh in monthly travel spend. Beyond this threshold, travel spends earn the standard 2 EDGE Miles per Rs. 100.
Transfer EDGE Miles to 20+ airline and hotel loyalty partners at a 1:2 ratio (1 EDGE Mile = 2 Partner Miles). Partners are divided into Group A (cap: 30,000 EDGE Miles/year) and Group B (cap: 1,20,000 EDGE Miles/year). Total annual transfer cap is 1,50,000 EDGE Miles per customer ID.
Group A Partners include Singapore Airlines KrisFlyer, Etihad Guest, Qatar Privilege Club, Turkish Airlines Miles&Smiles, United MileagePlus, Air Canada Aeroplan, Ethiopian Airlines, Japan Airlines, Thai Airways, Accor ALL, Marriott Bonvoy, and Wyndham Hotels.
Group B Partners include Air India, SpiceJet, Air France-KLM Flying Blue, Qantas Frequent Flyer, IHG, ITC Hotels, and others.
Atlas offers three membership tiers based on anniversary year spending:
Get up to 25% off (maximum Rs. 800) at partner restaurants via EazyDiner, on a minimum order value of Rs. 2,500. This benefit can be used twice per month per card.
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 per transaction, capped at Rs. 400 per statement cycle.
| Tier | Annual Spend Required | Milestone Benefit | Annual/Renewal Benefit |
|---|---|---|---|
| Silver | Rs. 3 Lakh | 2,500 EDGE Miles | None |
| Gold | Rs. 7.5 Lakh | Additional 2,500 EDGE Miles | 2,500 EDGE Miles on renewal |
| Platinum | Rs. 15 Lakh | Additional 5,000 EDGE Miles | 5,000 EDGE Miles on renewal |
At the Platinum tier (Rs. 15 Lakh annual spend), you earn a total of 10,000 bonus EDGE Miles through milestones plus 5,000 EDGE Miles as annual benefit on renewal. Note: Spends on gold/jewellery, rent, wallet, government, insurance, fuel, and utilities are excluded from tier evaluation and milestone calculation.
Axis Bank Atlas Credit Card offers tier-based complimentary airport lounge access for both primary cardholders and accompanying guests.
| Membership Tier | Domestic Visits | International Visits |
|---|---|---|
| Silver (default) | 8 per year | 4 per year |
| Gold (Rs. 7.5L spend) | 12 per year | 6 per year |
| Platinum (Rs. 15L spend) | 18 per year | 12 per year |
Domestic lounge access is via LoungeOne/Dreamfolks network. International lounge access is via Priority Pass. Visits cover both primary cardholder and guests.
The Axis Atlas Credit Card earns EDGE Miles, a dedicated travel currency separate from Axis Bank's standard EDGE Rewards.
| Spend Category | EDGE Miles Earned | Effective Return |
|---|---|---|
| Travel (Travel EDGE Portal, Airlines, Hotels) | 5 per Rs. 100 | 5% (up to 10% via transfer) |
| All Other Eligible Spends | 2 per Rs. 100 | 2% (up to 4% via transfer) |
Monthly Cap: Accelerated travel earn rate applies on up to Rs. 2 Lakh monthly travel spend. Beyond this, travel spends earn 2 EDGE Miles per Rs. 100.
Excluded Categories: Fuel, wallet loads, rent, gold/jewellery, insurance, government institutions, and utilities do not earn EDGE Miles.
Option 1 - Travel EDGE Portal: Book flights, hotels and experiences at 1 EDGE Mile = Rs. 1.
Option 2 - Partner Transfer: Convert EDGE Miles to airline/hotel loyalty points at 1:2 ratio (1 EDGE Mile = 2 Partner Miles). Exception: Marriott Bonvoy at 2:1 ratio.
A redemption fee of Rs. 99 applies for portal redemptions, and Rs. 199 for partner transfers.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 5,000 + GST |
| Annual Fee (2nd year onwards) | Rs. 5,000 + GST |
| Add-on Card Fee | Nil |
| Finance Charges | 3.75% per month (55.55% per annum) |
| Cash Advance Fee | 2.5% of amount (min Rs. 500) |
| Late Payment Fee | Nil to Rs. 1,200 based on outstanding |
| Over Limit Penalty | 2.5% of overlimit amount (min Rs. 500) |
| Foreign Currency Fee | 3.5% of transaction value |
| Dynamic Currency Conversion Markup | 1.5% on international transactions in INR |
| Card Replacement | Nil |
| Cheque Return Fee | 2% of payment (min Rs. 500) |
| Reward Redemption Fee | Rs. 99 (portal) / Rs. 199 (partner transfer) |
| Rent Transaction Fee | 1% per transaction |
| Fuel Surcharge | 1% (refunded for Rs. 400-4,000 txns, max Rs. 400/cycle) |
| Wallet Load Fee | 1% on Rs. 10,000+ cumulative per cycle |
| Education Fee | 1% via third-party apps |
| Utility Fee | 1% on Rs. 25,000+ cumulative per cycle |
| Online Skill-Based Gaming Fee | 1% on Rs. 10,000+ cumulative per cycle |
Note: Axis Bank may also approve applicants holding other bank credit cards with a limit of Rs. 3 Lakh or above, even if income criteria is not fully met.
Axis Bank typically processes credit card applications within a week, with card delivery in approximately 5-7 business days after approval.
You do not need an existing Axis Bank savings account to apply for this credit card.
The Axis Bank Atlas Credit Card stands as one of India's premier airline-agnostic travel credit cards, offering genuine value to frequent travellers through its flexible EDGE Miles program. The 1:2 transfer ratio to 20+ airline and hotel partners makes it possible to extract 4-10% return on spend, making it competitive with much more expensive super-premium cards.
The card is best suited for travellers spending Rs. 7.5 Lakh or more annually, as this unlocks the Gold tier with enhanced lounge access and renewal benefits. For those spending Rs. 15 Lakh or more, the Platinum tier delivers exceptional value with 18 domestic and 12 international lounge visits plus 10,000+ bonus EDGE Miles.
However, the 3.5% forex markup is a significant drawback for a travel-focused card, and the absence of insurance benefits means travellers need separate coverage. Despite these limitations, the Atlas remains a strong choice for anyone seeking flexible airline miles at an accessible Rs. 5,000 annual fee.
Last updated: 31 January 2026
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