Axis Bank Atlas Credit Card – Benefits, Fees & Eligibility

Axis Bank Atlas Credit Card

The Axis Bank Atlas Credit Card is a premium, airlines-agnostic travel credit card designed to provide exclusive benefits for frequent travelers. It is a generic travel card, not co-branded, and focuses on rewarding users with EDGE Miles on every transaction. With a joining fee of ₹5,000, this card offers a range of exclusive travel, lounge, and dining privileges. EDGE Miles earned can be redeemed for flight and hotel bookings via the bank's Travel Edge portal or transferred to partner airline and hotel loyalty programs. The card features a tiered membership system (Silver, Gold, Platinum) where benefits escalate with annual spending, ensuring a tailor-made experience for cardholders who explore the world.

Welcome Benefits

• For cards sourced from 20th April 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 20th December 2022 to 19th April 2024: 5,000 EDGE Miles as welcome benefit upon the first transaction on your ATLAS credit card within 30 days from the date of card issuance.
• For cards sourced before 20th December 2022: 5,000 EDGE Miles as 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 equivalent to ₹1.
• EDGE Miles credited cannot be encashed.
• 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.

Fees

• Standard Joining Fee: ₹5,000 + GST
• Standard Annual Fee (2nd year onwards): ₹5,000 + GST
• 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. This charge will continue to be applicable 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 a Minimum of ₹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 up to ₹400 per Statement Cycle.
  • Note: On certain fuel transactions, the fuel surcharge may be levied as INR 10 + GST instead of 1% + GST by the card issuing bank.
• Foreign Currency Transaction Fee: 3.50% of the transaction value.
• Mobile Alerts for Transactions: Waived
• Hotlisting Charges: Waived
• Balance Enquiry Charges: Waived
• Reward Redemption Fee:
  • ₹99 will be levied for each redemption transaction of EDGE Miles on the EDGE portal.
  • ₹199 will be levied for each instance of conversion/transfer of EDGE Miles to other miles partner loyalty programs.
• Rent Transaction fee (Applicable from 5th March 2023): 1% will be applicable on each rental transaction.
• Dynamic Currency Conversion markup (Applicable from 5th March 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.
• Wallet load transaction fee: 1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
• Fuel transaction fee (Applicable from 5th March 2023): 1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
• Education transaction fee (Applicable from 5th March 2023): 1% fee on education payments made via third-party apps.
• Utility transaction fee (Applicable from 5th March 2023): 1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.
• Online skill-based gaming transaction fee (Applicable from 5th March 2023): 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

• Reward Currency: Rewards are earned as Axis Bank EDGE Miles, where 1 EDGE Mile = ₹1.
• Tiered Membership System:
  • The card starts at the Silver membership tier.
  • Upgrade to Gold tier on achieving ₹7.5 Lakhs of spends in an anniversary year.
  • Upgrade to Platinum tier on spending beyond ₹15 Lakhs in an anniversary year.
  • Tier downgradation rules:
    • Gold tier members will be downgraded to Silver if annual expenditures fall below ₹7.5 Lakhs.
    • Platinum tier members will be downgraded to Silver (for spends less than ₹7.5 Lakhs) or Gold (for spends between ₹7.5 Lakh and ₹15 Lakhs).
  • Spends threshold for Tier evaluation will exclude transactions done on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, and Telecom merchants (applicable from 20th April 2024 onwards).
• Reward Rates:
  • Accelerated Earn on Travel: 5 EDGE Miles for every ₹100 spent on Axis Bank Travel Edge portal, direct airlines, and direct hotel spends. These accelerated EDGE Miles can be earned on cumulative spends of up to ₹2,00,000 per month.
  • Standard Earn: 2 EDGE Miles for every ₹100 spent on all other transactions, including travel spends after reaching the cumulative spend threshold of ₹2 lakh per month.
  • No EDGE Miles shall be awarded for transactions made on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, and Telecom merchants.
• Annual Benefits (on successful annual fee payment):
  • Silver Tier: Not applicable (no bonus EDGE Miles).
  • Gold Tier: 2,500 EDGE Miles.
  • Platinum Tier: 5,000 EDGE Miles.
• Milestone Benefits (on achieving spend targets):
  • Achieve ₹3,00,000 spend: Unlock 2,500 EDGE Miles.
  • Achieve ₹7,50,000 spend: Unlock an additional 2,500 EDGE Miles (Total 5,000 EDGE Miles).
  • Achieve ₹15,00,000 spend: Unlock an additional 5,000 EDGE Miles (Total 10,000 EDGE Miles).
  • Spends threshold for Milestone achievement will exclude transactions done on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, and Telecom merchants (applicable from 20th April 2024 onwards).
• Lounge Access:
  • Domestic Airport Lounge Visits (Per Year):
    • Silver Tier: 8 visits.
    • Gold Tier: 12 visits.
    • Platinum Tier: 18 visits.
  • International Airport Lounge Visits (Per Year):
    • Silver Tier: 4 visits.
    • Gold Tier: 6 visits.
    • Platinum Tier: 12 visits.
• Dining:
  • Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
  • Get up to 25% off (Maximum ₹800) twice a month at partner restaurants via EazyDiner on a minimum spend of ₹2,500.

Rewards Redemption Guide

• EDGE Miles can be redeemed for booking flights, hotels, and experiences by:
  • Logging into the Axis Bank Mobile app and clicking on "Book Now" in the EDGE Miles dashboard.
  • Logging into https://traveledge.axisbank.co.in/.
• EDGE Miles can also be transferred into partner Miles under Axis Bank's Miles transfer program.
  • The transfer ratio is 1 EDGE Mile = 2 partner miles (Except for Marriott).
  • Transfers can be initiated by logging into the Axis Bank Mobile app ("Book Now" in EDGE Miles dashboard) or https://traveledge.axisbank.co.in/.
  • The maximum number of EDGE Miles that can be transferred to Partner Points is 150,000 EDGE Miles per customer ID within a calendar year.
• Partner Airlines and Hotel Loyalty Programs for Miles Transfer:
  • Group A (Maximum 30,000 EDGE Miles):
    • Accor Hotels
    • Air Canada
    • Ethiopian Airlines
    • Etihad
    • Japan Airlines
    • Marriott International
    • Qatar Airways
    • Singapore Airlines
    • Turkish Airlines
    • Thai Airways
    • United Airlines
    • Wyndham Hotels
  • Group B (Maximum 1,20,000 EDGE Miles):
    • Air France - KLM (Flying Blue)
    • Air India (Maharaja Club)
    • Air Asia
    • ITC
    • IHG Hotels & Resorts
    • Qantas Airways
    • SpiceJet
• EDGE Miles cannot be redeemed for cashback.

Card Eligibility Criteria

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

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 above list is only indicative. Documents required may vary on a case-to-case basis.

Card Review

The Axis Bank Atlas Credit Card is an excellent choice for individuals who have significant domestic and international travel expenses each year. It is considered one of the best travel cards due to its unique tiered benefits system that rewards higher spenders with enhanced privileges. The card offers a generous welcome bonus of 2,500 EDGE Miles and additional bonus miles upon reaching specified spending milestones based on the card's membership tier. A key highlight is its favorable transfer ratio of 1 EDGE Mile to 2 Partner Points for various airline and hotel loyalty programs, which significantly enhances its value proposition for travelers. Beyond rewards, cardholders benefit from complimentary access to domestic and international airport lounges, making travel more comfortable, and dining discounts via EazyDiner. While it doesn't offer golf or insurance benefits, its comprehensive travel-focused rewards and benefits make it highly valuable for frequent flyers and hotel stayers who prioritize earning and redeeming travel miles.

Important Product Details

• Reward Points are earned as Axis Bank EDGE Miles, with 1 EDGE Mile = ₹1.
• Welcome Benefit of 2,500 EDGE Miles upon first transaction within 37 days for new cardholders (specific rules apply based on card issuance date).
• Accelerated earnings of 5 EDGE Miles per ₹100 on travel spends (via Travel Edge portal, direct airlines, and direct hotels) up to ₹2,00,000 per month.
• Standard earning of 2 EDGE Miles per ₹100 on all other transactions, including travel spends after the monthly cap.
• The card features a unique tiered membership system: Silver, Gold, and Platinum, with benefits scaling up as annual spends increase (upgrade thresholds at ₹7.5 Lakhs and ₹15 Lakhs).
• Bonus EDGE Miles are awarded on reaching specific annual spending milestones (₹3 Lakh, ₹7.5 Lakh, ₹15 Lakh).
• Annual EDGE Miles are credited upon payment of the annual fee, varying by membership tier (2,500 for Gold, 5,000 for Platinum).
• Complimentary domestic airport lounge access: 8 for Silver, 12 for Gold, 18 for Platinum (each year).
• Complimentary international airport lounge access: 4 for Silver, 6 for Gold, 12 for Platinum (each year).
• Dining discounts of up to 25% (Max ₹800), twice a month at partner restaurants via EazyDiner on a minimum spend of ₹2,500.
• EDGE Miles can be redeemed for flight/hotel bookings on the Axis Bank Travel Edge portal or transferred to a wide array of partner airline and hotel loyalty programs at a 1:2 ratio (except Marriott).
• No EDGE Miles are awarded for transactions on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, and Telecom merchants; these also don't count towards milestone achievement or tier evaluation.
• The card does not offer any golf or insurance benefits.
• High foreign currency transaction fee of 3.5%.
• Various transaction-specific fees apply, including rent (1%), wallet load (1% on cumulative spends of ₹10,000+), education (1% via third-party apps), utilities (1% on cumulative spends of ₹25,000+), and online skill-based gaming (1% on cumulative spends of ₹10,000+).
• A reward redemption fee of ₹99 and a conversion fee of ₹199 apply for EDGE Miles transactions.

Other Details

• The Terms and Conditions of Axis Atlas Credit Card will be updated effective 20th June, 2025.
• EDGE Mile is a loyalty currency specifically defined for ATLAS Credit Cardholders, distinct from EDGE Points used for other Axis Bank credit cards.
• Tier upgrade for the card happens solely based on achieving spend milestones, not by paying an additional fee.
• The maximum number of EDGE Miles that can be transferred to Partner Points within a calendar year is 150,000 EDGE Miles per customer ID.