Axis Atlas Credit Card
Best Flight & Hotel Booking Card
Network: Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: 5000
- Annual Fee: 5000
- Waiver: Spend based fee waiver not available
- Foreign Markup: 2%
- Fuel Surcharge: 1% waiver (₹400/month cap)
- Redemption Fee: None for Miles transfer; ₹75 for catalog
- Late Payment Fee: ₹300 – ₹1,200
- Interest Rate: 3.6%
- Cash Advance: 2.5% (min ₹500)
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Rewards & Earnings
Earn EDGE Miles on Every Spend
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2 EDGE Miles per ₹100 spent on all retail transactions (domestic + international)
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5 EDGE Miles per ₹100 on flight and hotel bookings via Axis Travel EDGE portal
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2 EDGE Miles per ₹100 on foreign currency transactions
No EDGE Miles are awarded on specific spend categories (listed below).
Best Categories to Use the Axis Atlas Card
✅ International and domestic air travel
✅ Hotel bookings via Axis Travel EDGE
✅ High-value online foreign currency transactions
✅ Users who travel frequently and want priority access to airport lounges
✅ Individuals spending ₹7.5L+ annually to unlock tier-based milestone rewards
EDGE Miles are highly flexible and can be used in several ways:
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Flight and hotel bookings via the Axis Travel EDGE portal
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Transfer to international airline and hotel loyalty programs, including:
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Air France/KLM Flying Blue
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Turkish Airlines Miles&Smiles
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Etihad Guest
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Marriott Bonvoy, and more
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Benefits
- Welcome:
2,500 Edge Miles on your first transaction within 30 days
- Milestone:
Axis Atlas has a 3-tier reward structure based on your annual spending. Each tier offers increasing benefits, including airport lounge visits and bonus EDGE Miles.
Tier Annual Spend Benefits Silver ₹0 – ₹7.5 lakh 8 lounge visits/year (domestic + international) Gold ₹7.5L – ₹15 lakh 12 lounge visits, 2,500 bonus EDGE Miles Platinum ₹15L+ 18 lounge visits, 5,000 bonus EDGE Miles, premium travel privileges - Renewal:
Annual EDGE Miles on renewal if spends criteria met
- Lifestyle:
lounge domestic, lounge international
Why We Like It
Pros & Cons
✅ Pros
- Flexible Miles: The 1:2 transfer ratio to partners like Club Vistara, Singapore Airlines, or Accor ALL offers strong value (potentially 4%-10% return, depending on redemption). For flights, this is a key strength.
- Lounge Access: Generous lounge visits, especially at higher tiers, enhance travel convenience.
- Milestone Rewards: Even post-devaluation, 10,000 bonus miles at ₹15 lakh spend adds value (effectively ₹10,000+ when transferred).
❌ Cons
- High Fees: ₹5,900 annual fee with no waiver is steep unless you maximize travel spends or hit milestones.
- Travel Cap: The ₹2 lakh/month limit on 5x miles restricts high spenders focused on flights.
- Transfer Limits: The 30,000 Edge Miles cap to premium airlines (e.g., Singapore Airlines) limits flexibility for frequent international flyers.
Eligibility & Application
Eligibility:
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Age: 18 to 70 years
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Minimum Income: ₹6–9 lakh annually (recommended)
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Credit Score: 750+ preferred
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Employment: Salaried or self-employed with stable income
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Residency: Indian resident only
How to Apply:
Applying for the Axis Atlas Credit Card is quick and easy on our platform.
Click the “Apply Now” button on this page to start your application and enjoy premium travel rewards with Axis Bank.
FAQs
What is the Axis Atlas Credit Card?
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It’s a premium travel-focused credit card from Axis Bank, offering Edge Miles for flight and hotel bookings, lounge access, and flexible miles transfers to airline/hotel partners. Ideal for frequent travelers.
What are the fees for the card?
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Joining Fee: ₹5,000 + GST (₹5,900), one-time.
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Annual Fee: ₹5,000 + GST (₹5,900), from the second year.
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No spend-based waiver. Welcome bonus of 2,500 Edge Miles (worth ₹2,500–₹5,000) applies after your first transaction.
How do I earn Edge Miles?
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5 Edge Miles/₹100: On travel spends (airlines, hotels, Travel Edge portal), capped at ₹2 lakh/month.
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2 Edge Miles/₹100: On all other spends (e.g., shopping).
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Milestone Bonus: 2,500 miles at ₹3 lakh, 5,000 at ₹7.5 lakh, 10,000 at ₹15 lakh annual spend.
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No miles on utilities, insurance, fuel, rent, or gold.
How can I redeem Edge Miles?
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Transfer: To 20+ partners (e.g., Vistara, Singapore Airlines) at 1:2 ratio (1 Edge Mile = 2 partner miles), except Marriott Bonvoy (2:1). Caps: 30,000 miles/year to Group A, 150,000 total.
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Travel Edge Portal: Book flights/hotels at ₹1/mile.
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No cashback option.
What are the lounge benefits?
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Silver Tier (base): 8 domestic, 4 international visits/year.
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Gold Tier (₹7.5 lakh spend): 12 domestic, 6 international.
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Platinum Tier (₹15 lakh spend): 18 domestic, 12 international.
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Uses Priority Pass for international access.
Who is eligible to apply?
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Age: 21–60 years.
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Income: ₹9–12 lakh/year (salaried), ₹12–15 lakh/year (self-employed).
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Credit Score: 750+ CIBIL preferred.
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Resident Indian citizens; existing Axis customers may get priority.
What documents are required?
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Identity: PAN, Aadhaar, passport.
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Address: Aadhaar, utility bill.
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Income: 3 months’ salary slips (salaried) or 2 years’ ITR (self-employed).
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Photograph (for offline).
What are the key charges?
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Interest: 3.6%/month (52.86% annualized) on unpaid balances.
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Forex Markup: 2% + GST (2.36%), good for international spends.
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Cash Advance: 2% (min ₹500) + interest.
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Late Payment: ₹500–₹1,200, based on balance.
Is there a welcome benefit?
What spends don’t earn miles?
Is it good for flights and shopping?
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Flights: Strong at 5x miles (10% return via transfers) up to ₹2 lakh/month; 2x beyond. Flexible transfers to airlines like Vistara are a plus.
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Shopping: 2x miles (4% via transfers) is decent but not exceptional compared to cashback cards (e.g., HDFC Millennia’s 5%).
How does it compare to HDFC Regalia Gold?
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Fees: Atlas (₹5,900, no waiver) vs. Regalia Gold (₹2,500, waived at ₹4 lakh).
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Flights: Atlas’s 1:2 transfers (up to 10%) vs. Regalia’s SmartBuy (10% capped).
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Shopping: Atlas (2%-4%) vs. Regalia (1%-4%).
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Atlas wins on flexibility; Regalia on cost-effectiveness.
User Reviews
Users say
Great card
Using this card for more than a year now and have collected more than 90000 Accor Points worth more than Rs 1.60 lakhs
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