Axis Bank Atlas Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank ATLAS Credit Card is a premium, airlines-agnostic travel credit card designed to offer exclusive benefits to frequent travelers. Positioned as a generic travel card rather than a co-branded one, it focuses on rewarding users with EDGE Miles on every travel and other eligible spend. Key differentiating features include a tiered membership system (Silver, Gold, Platinum) that unlocks enhanced rewards and lounge access based on annual spending, along with a flexible miles transfer program to various airline and hotel loyalty partners.

Welcome Benefits

• For cards sourced from April 20, 2024, onwards: Enjoy 2,500 EDGE Miles as a welcome benefit upon the first transaction on your ATLAS credit card within 37 days from the date of card issuance.
• For cards sourced between December 20, 2022, to April 19, 2024: 5,000 EDGE Miles as a welcome benefit upon the first transaction on your ATLAS credit card within 30 days from the date of card issuance.
• For cards sourced before December 20, 2022: 5,000 EDGE Miles as a welcome benefit on completing 3 transactions within 60 days from the date of card issuance.
• The EDGE Miles shall be credited to eligible cardholders’ EDGE Miles account and will reflect within 7 days from the date of transaction.
• Credited EDGE Miles can be viewed under “ATLAS MILES” in the Atlas dashboard section of the Axis Bank Mobile application.
• 1 EDGE Mile is equal to ₹1.
• A cardholder is entitled to avail the welcome benefit for Axis Bank Credit Card only once. In case of card cancellation and subsequent re-opening of the same card variant, the welcome benefit will not be applicable.
• EDGE Miles credited cannot be encashed.

Fees

• Joining Fee: ₹5,000 + GST
• Annual Fee (2nd year onwards): ₹5,000 + GST
• Spend-Based Waiver: Not applicable for annual fee waiver; however, annual benefits in the form of EDGE Miles are provided upon successful payment of the annual fee.
• Standard Add-on Card Joining Fee: Nil
• Standard Add-on Card Annual Fee: Nil
• Finance Charges (Retail Purchases & Cash): 3.75% per month (55.55% per annum)
• Cash Withdrawal Fees: 2.5% of the cash amount (Minimum ₹500)
• Fee for Cash Payment: ₹175
• Card Replacement: Nil
• Duplicate Statement Fee: Waived
• Overdue Penalty or Late Payment Fee:
  • Nil if total payment due is up to ₹500.
  • ₹500 if total payment due is between ₹501 and ₹5,000.
  • ₹750 if total payment due is between ₹5,001 and ₹10,000.
  • ₹1,200 if total payment due is greater than ₹10,000.
  • An additional ₹100 will be charged on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles, continuing for every payment cycle until MAD is cleared.
• Over Limit Penalty: 2.5% of the overlimit amount (Minimum ₹500)
• Chargeslip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Cheque Return or Dishonor Fee or Auto-debit Reversal: 2% of the payment amount subject to minimum ₹500
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways
• Fuel Transaction Surcharge: 1% of the transaction amount, refunded for fuel transactions between ₹400 to ₹4,000. Maximum benefits are capped at ₹400 per statement cycle.
• Fuel Transaction Fee: 1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
• Foreign Currency Transaction Fee: 3.50% of the transaction value
• Dynamic Currency Conversion Markup (applicable from March 5, 2023): 1.5% on international transactions performed in Indian currency at international locations or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Reward Redemption Fee:
  • A fee of ₹99 + GST will be levied for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal.
  • A fee of ₹199 + GST will be levied for each instance of conversion/transfer of EDGE REWARD points or EDGE Miles to other miles partner loyalty programs.
• Rent Transaction Fee (applicable from March 5, 2023): 1% will be applicable on each rental transaction.
• Wallet Load Transaction Fee: 1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
• Education Transaction Fee: 1% fee on education payments made via third-party apps.
• Utility Transaction Fee: 1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.
• All above fees and charges are subject to taxes as per Government norms.

Rewards

• Base Earn Rate: Earn 2 EDGE Miles for every ₹100 spent on all other transactions.
• Accelerated Earn Rate on Travel: Earn 5 EDGE Miles for every ₹100 spent on travel spends, including transactions on the Axis Bank Travel Edge portal, direct airlines, and direct hotel bookings. These accelerated EDGE Miles can be earned on cumulative spends of up to ₹2,00,000 per month. After this threshold, travel spends will earn 2 EDGE Miles per ₹100.
• Exclusions for EDGE Miles Earning: No EDGE Miles shall be awarded for transactions made on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, and Utilities. These categories are also excluded for tier evaluation and milestone achievement.
• Tiered Benefits: The card offers three membership tiers – Silver, Gold, and Platinum – which unlock additional benefits based on annual spending.
  • Silver Tier (Base Tier):
    • 4 complimentary international lounge visits per annum.
    • 8 complimentary domestic lounge visits per annum.
    • 1% fuel surcharge waiver.
  • Gold Tier (Achieved with annual spends between ₹7.5 lakh and ₹15 lakh):
    • 6 complimentary international lounge visits per annum.
    • 12 complimentary domestic lounge visits per annum.
    • 1% fuel surcharge waiver.
  • Platinum Tier (Achieved with annual spends beyond ₹15 lakh):
    • 12 complimentary international lounge visits per annum.
    • 18 complimentary domestic lounge visits per annum.
    • 1% fuel surcharge waiver.
• Annual Benefits (Tier Rewards): EDGE Miles are credited upon successful payment of the card annual fee of ₹5,000 + GST.
  • Silver Tier: No EDGE Miles.
  • Gold Tier: 2,500 EDGE Miles.
  • Platinum Tier: 5,000 EDGE Miles.
• Milestone Benefits: Unlock additional EDGE Miles upon achieving specific spend milestones in an anniversary year.
  • ₹3,00,000 spends: 2,500 EDGE Miles.
  • ₹7,50,000 spends: An additional 2,500 EDGE Miles (total 5,000 EDGE Miles).
  • ₹15,00,000 spends: An additional 5,000 EDGE Miles (total 10,000 EDGE Miles).
• Dining Benefits: Get up to 25% off (maximum ₹800) twice a month at partner restaurants via EazyDiner on a minimum spend of ₹2,500.
• Airport Benefits: Complimentary domestic and international lounge access is provided, with the number of visits varying by membership tier.
• Dedicated Portal: Access to a Miles transfer program.

Rewards Redemption Guide

• EDGE Mile Value: An EDGE Mile is a loyalty currency specifically for ATLAS credit cardholders, with each EDGE Mile being equivalent to ₹1.
• Redemption Options:
  • Booking Flights, Hotels & Experiences: Cardholders can redeem EDGE Miles for booking flights, hotels, and experiences by logging into the Axis Bank Mobile app and clicking on “Book Now” in the EDGE Miles dashboard, or by logging into https://traveledge.axisbank.co.in/.
  • Transfer to Partner Loyalty Programs: EDGE Miles can be transferred to partner airline and hotel frequent flyer programs under Axis Bank's Miles transfer program.
    • The conversion ratio is 1 EDGE Mile = 2 partner miles, with exceptions for Lotusmiles, The British Airways Club, and Finnair Plus.
    • A maximum of 150,000 EDGE Miles can be transferred to Partner Points within a calendar year per customer ID.
    • Group A Partner Programs (Maximum 30,000 EDGE Miles transferrable): Aeroplan, The British Airways Club, Ethiopian Airlines, Etihad Guest, Finnair Plus, JAL Mileage Bank, Singapore Airlines (Krisflyer), Royal Orchid Plus, Turkish Airlines, United MileagePlus, Lotusmiles (Vietnam Airlines), Wyndham Rewards.
    • Group B Partner Programs (Maximum 1,20,000 EDGE Miles transferrable): Air Asia, Flying Blue, Air India (Maharaja Club), IHG One Rewards, ITC, Orchid Rewards, The Postcard Sunshine Club, Qantas Frequent Flyer, Radisson Rewards, SpiceJet.
• Redemption Fees: A reward redemption fee of ₹99 + GST is levied for each redemption transaction of EDGE Miles on the EDGE portal. A fee of ₹199 + GST is levied for each instance of conversion/transfer of EDGE Miles to other miles partner loyalty programs.
• Non-Encashable: EDGE Miles credited cannot be encashed.

Card Eligibility Criteria

• Age:
  • Primary cardholder: 18-70 years.
  • Add-on cardholder: Over 18 years.
• Income Criteria:
  • Salaried: Net annual income of ₹12 lakh and above.
  • Self-employed: Net annual income of ₹15 lakh and above.
• Residency: Resident of India.
• Credit Score: A decent credit score (750 or above) is generally expected.
• Discretion: The above criteria are indicative, and the bank reserves the right to approve or decline applications for the credit card.

Documents Required

• PAN card photocopy or Form 60.
• Latest payslip/Form 16/IT return copy as proof of income.
• Residence proof (passport/driving license/electricity bill/landline telephone bill).
• The list of documents is indicative and may vary on a case-to-case basis.

Card Review

The Axis Bank ATLAS Credit Card is an excellent option for individuals who frequently travel, both domestically and internationally, and seek to maximize rewards on their travel-related expenses. Its tiered membership structure provides escalating benefits, including increased lounge access and bonus miles, as spending grows. The card offers a competitive reward rate on travel spends and a highly flexible redemption program with a favorable transfer ratio to numerous airline and hotel loyalty partners.

Pros:

• Generous welcome bonus of 2,500 EDGE Miles.
• Accelerated EDGE Miles earning on travel-related transactions.
• Tiered benefits system (Silver, Gold, Platinum) offers increasing rewards and privileges, including complimentary airport lounge access.
• Attractive milestone benefits provide bonus EDGE Miles on achieving spend targets.
• Excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for a wide range of airline and hotel loyalty programs.
• Dining discounts via EazyDiner enhance lifestyle benefits.

Cons:

• The card does not offer any golf or insurance benefits.
• The tiered reward structure and various spend exclusions for milestone/tier evaluation can make the benefits system seem complex for some users.

Important Product Details

• Reward points are earned as Axis Bank EDGE Miles, where 1 EDGE Mile equals ₹1.
• The card offers a joining benefit of 2,500 EDGE Miles.
• Earn 5 EDGE Miles for every ₹100 spent on travel and 2 EDGE Miles for every ₹100 on other eligible transactions.
• The card membership is structured into three tiers: Silver, Gold, and Platinum, with upgrades based on annual spending.
• Bonus EDGE Miles are awarded upon reaching specified spending milestones.
• Cardholders receive 25% off up to ₹800 via EazyDiner at partner restaurants.
• Complimentary access to domestic and international airport lounges is a key privilege, with the number of visits varying by tier.
• Tier upgrades are achieved by meeting spend milestones (₹7.5 lakh for Gold, ₹15 lakh for Platinum) rather than by paying additional fees.
• Spends on gold/jewellery, rent, wallet, government institutions, insurance, fuel, utilities, and telecom merchants are excluded from tier evaluation and milestone achievement thresholds.
• Membership tier downgradation can occur if minimum spend requirements are not maintained:
  • A Gold Tier member will be downgraded to Silver Tier if annual expenditures fall below ₹7.5 lakh.
  • A Platinum Tier member will be downgraded to Silver Tier (for spends less than ₹7.5 lakh) or Gold Tier (for spends between ₹7.5 lakh and ₹15 lakh) if annual spending falls below ₹15 lakh.

Other Details

• The terms and conditions of the Axis Bank ATLAS Credit Card are subject to updates, with a significant update effective from June 20, 2025.
• The fuel surcharge is typically not levied by the card issuing bank; however, on certain fuel transactions, a surcharge of ₹10 + GST may be applied instead of 1% + GST.
• The card is a generic travel card and not a co-branded offering.
• Application for the card can be done either by visiting an Axis Bank branch or through the online application process on the bank's website.
• General terms and conditions for credit cards and specific features and benefits terms and conditions are available for reference.