At a Glance
Key Benefits
5X miles on travel, 20+ airline partners, Rs 2.5Cr air cover, tier-based lounges
Lounge Access
Tier-based: Silver 8+4, Gold 12+6, Platinum 18+12 domestic+intl visits
Eligibility
Rs 12L/year (salaried), Rs 15L/year (self-employed), 18-70 years
Quick Details
Reward Structure
All Spends
Travel EDGE Portal, Airlines, Hotels
Reward Calculator
Milestone Benefits
2,500 EDGE Miles on first transaction within 37 days of card issuance
value
Up to 5,000 EDGE Miles as anniversary bonus
value
Upgrade to Gold tier (12 domestic + 6 intl lounges) on Rs 7.5L annual spend
Spend ₹7,50,000
value
Upgrade to Platinum tier (18 domestic + 12 intl lounges) on Rs 15L annual spend
Spend ₹15,00,000
value
Airport Lounge Access
visits per year
Silver tier: 8/yr; Gold (Rs 7.5L): 12/yr; Platinum (Rs 15L): 18/yr
visits per year
Silver tier: 4/yr; Gold (Rs 7.5L spend): 6/yr; Platinum (Rs 15L spend): 12/yr
Insurance Coverage
Air Accident
₹2,50,00,000
Coverage for injury or death during air travel
Baggage Loss
₹42,000
Up to $500 for lost check-in baggage; $300 for baggage delay
Lost Card
₹1,00,000
Credit Shield coverage
Lifestyle Perks
Travel Desk
Travel EDGE portal for flight & hotel bookings at 5X EDGE Miles
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
Axis Atlas is an excellent travel card for frequent flyers who want flexibility across airlines. The tier-based system rewards heavy spenders with generous lounge access, and the ability to transfer miles to 20+ partners is valuable. However, the high forex markup and many excluded categories limit its utility.
Pros
- 5 EDGE Miles per Rs 100 on travel bookings
- 2 EDGE Miles per Rs 100 on all other spends
- Tier-based lounge access (up to 18 domestic + 12 international)
- Transfer to 20+ airline partners (5:2 ratio)
- Rs 2.5 Cr air accident insurance
- 2,500 welcome EDGE Miles
- Up to 5,000 anniversary EDGE Miles
- Lost baggage cover up to $500
Cons
- High forex markup of 3.5%
- No fee waiver option
- Many excluded categories (fuel, rent, utilities, gold)
- Rs 2L monthly cap on accelerated miles
- High interest rate at 45% annual
- Concierge service discontinued
Best For
Frequent domestic/international travelers, airline miles collectors
Not Ideal For
Fuel spenders, utility payers, international shoppers
The Axis Atlas Credit Card is India's premier airline-agnostic travel credit card, designed for frequent flyers who prefer flexibility over loyalty to a single airline. With its unique EDGE Miles system that transfers to 20+ airline partners at a 5:2 ratio, tier-based lounge access, and accelerated rewards on travel bookings, it's the ideal card for the modern traveler.
Priced at Rs 5,000 annually with no fee waiver option, Atlas compensates through its generous welcome bonus, anniversary miles, and comprehensive travel insurance including Rs 2.5 Cr air accident cover.
What is Axis Atlas?
Axis Atlas is a premium travel credit card from Axis Bank, launched to compete with HDFC Infinia and Diners Club Black in the travel rewards segment. Unlike airline co-branded cards, Atlas offers flexibility through its EDGE Miles program which can be transferred to multiple airline frequent flyer programs.
The card features a unique tier-based system (Silver, Gold, Platinum) where higher spenders unlock more lounge visits and benefits.
Benefits
Key Benefits:
- EDGE Miles: Earn 2 EDGE Miles per Rs 100 on all spends, 5 EDGE Miles on travel bookings via Travel EDGE
- Airline Transfers: Transfer to 20+ airline partners at 5:2 ratio (5 EDGE Miles = 2 airline miles)
- Tier-Based Lounge: Silver (8+4), Gold (12+6), Platinum (18+12) domestic+international visits
- Travel Insurance: Rs 2.5 Cr air accident cover, $500 lost baggage, $300 baggage delay
- Welcome Bonus: 2,500 EDGE Miles on first transaction within 37 days
- Anniversary Bonus: Up to 5,000 EDGE Miles yearly
Welcome & Milestone Benefits
Welcome Benefit:
Receive 2,500 EDGE Miles on completing your first transaction within 37 days of card issuance. These miles can be redeemed for travel or transferred to airline partners.
Tier Upgrades:
- Gold Tier: Spend Rs 7.5 lakh in an anniversary year to unlock 12 domestic + 6 international lounge visits
- Platinum Tier: Spend Rs 15 lakh to unlock 18 domestic + 12 international lounge visits
Anniversary Benefit: Earn up to 5,000 EDGE Miles on card anniversary based on spend levels.
Airport Lounge Access
Tier-Based Lounge Access:
| Tier | Spend Required | Domestic | International |
|---|---|---|---|
| Silver | Default | 8/year | 4/year |
| Gold | Rs 7.5 Lakh | 12/year | 6/year |
| Platinum | Rs 15 Lakh | 18/year | 12/year |
International lounge access is provided through Priority Pass or Mastercard Lounge programs depending on card variant.
Rewards Program
EDGE Miles Earning:
- Base Rate: 2 EDGE Miles per Rs 100 on all eligible spends
- Travel EDGE: 5 EDGE Miles per Rs 100 on flight and hotel bookings
- Monthly Cap: Accelerated miles on spends up to Rs 2 lakh per month
Airline Transfer Partners (20+):
Air France/KLM Flying Blue, Singapore Airlines KrisFlyer, Etihad Guest, British Airways Avios, Qatar Airways, Emirates Skywards, and more at 5:2 ratio.
Excluded Categories: Fuel, rent, wallet, insurance, utilities, gold/jewelry, government transactions
Fees & Charges
Fees:
- Joining Fee: Rs 5,000 + GST
- Annual Fee: Rs 5,000 + GST (EDGE Miles credited on fee payment)
- No traditional fee waiver; miles compensation instead
Charges:
- Interest Rate: 3.75% per month (45% per annum) - effective Dec 2024
- Forex Markup: 3.5%
- Reward Redemption Fee: Rs 99 (portal) / Rs 199 (airline transfer)
Eligibility Criteria
Age Requirement: 18-70 years
Income Requirement:
- Salaried: Rs 12 lakh per annum (Rs 1 lakh/month)
- Self-Employed: Rs 15 lakh per annum
Other Requirements:
- Good credit score (750+)
- Must be a resident of India
Documents Required
For Salaried:
- PAN Card
- Aadhaar Card / Address Proof
- Latest 3 months salary slips
- Form 16 or ITR
For Self-Employed:
- PAN Card
- Address Proof
- ITR for last 2 years
- Bank statements (6 months)
Frequently Asked Questions
What is the annual fee for Axis Atlas?
How does the EDGE Miles program work?
Which airlines can I transfer EDGE Miles to?
How does the tier system work?
What insurance coverage is included?
What spends are excluded from earning miles?
What is the welcome bonus?
What is the interest rate on Axis Atlas?
User Reviews
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