Axis Atlas Credit Card

Axis Bank

Axis Atlas Credit Card

5.0

Card Type
Travel and Rewards

Best Suited For

Joining Fee
Rs. 5000 + GST

Annual Fee
Rs. 5000 + GST

Card Details

The Axis Atlas Credit Card is a premium travel-focused credit card from Axis Bank, designed for frequent travelers who value flexibility in earning and redeeming air miles. Unlike co-branded cards tied to specific airlines, it’s airline-agnostic, meaning you can transfer miles to a variety of airline and hotel partners. It operates on a tier-based system (Silver, Gold, Platinum) that scales rewards and benefits with your annual spending. The card earns “Edge Miles,” a unique reward currency distinct from Axis Bank’s standard Edge Rewards, with a base value of ₹1 per mile when redeemed via the Travel Edge portal.

Available Networks: Visa

Reward Details

5 Edge Miles per ₹100 on travel spends (direct airline/hotel bookings or via Travel Edge, capped at ₹2 lakh/month).
2 Edge Miles per ₹100 on all other spends (including shopping).

Other Perks: 25% dining discount (up to ₹800) via EazyDiner, twice monthly, on ₹2,000+ orders.

Best Suited For

You will get high Reward Points as compared to other credit cards

Get 5x Edge Miles on direct travel purchases

Milestone Details

₹3 lakh annual spend: 2,500 Edge Miles.
₹7.5 lakh annual spend: Additional 2,500 Edge Miles (Gold tier).
₹15 lakh annual spend: Additional 5,000 Edge Miles (Platinum tier).
- Total possible milestone miles: 10,000 per year.

Reward Redemptions

Transfer to 20+ airline/hotel partners at 1:2 ratio (e.g., 1 Edge Mile = 2 Vistara points), except Marriott Bonvoy (2:1).
Caps: 30,000 Edge Miles/year to Group A partners (e.g., Singapore Airlines), 120,000 Edge Miles/year to Group B, total 150,000 Edge Miles/year.
Direct booking via Travel Edge at ₹1 per mile.

Excluded Spend Categories

You wont get any Reward Points for following spend types

Pros of Axis Atlas Credit Card

😊

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.

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Milestone Rewards: Even post-devaluation, 10,000 bonus miles at ₹15 lakh spend adds value (effectively ₹10,000+ when transferred).

Cons of Axis Atlas Credit Card

⚠️

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.

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Transfer Limits: The 30,000 Edge Miles cap to premium airlines (e.g., Singapore Airlines) limits flexibility for frequent international flyers.

Why We Like It

The Axis Atlas Credit Card remains a strong contender for flight-focused users despite the 2024 devaluation, especially if you:

Spend ₹2-7.5 lakh annually, hitting Gold tier for 5,000 milestone miles and 12/6 lounge visits.
Value flexible miles over co-branded restrictions.
Don’t rely heavily on excluded spend categories.

Application Process

Card Eligibility

Age:
- Primary cardholder: 21–60 years.
- Add-on cardholder: 18+ years.
Income:
- Salaried: Minimum annual income of ₹9–12 lakh (₹75,000–₹1,00,000 monthly).
- Self-Employed: Minimum annual income of ₹12–15 lakh (based on ITR).
- Note: Higher income (₹15 lakh+) increases approval chances, aligning with the card’s ₹7.5 lakh+ milestone tiers.
Credit Score:
- CIBIL score of 750+ is ideal (Axis prefers strong credit histories).
- No recent defaults, late payments, or high credit utilization.
Residency:
- Resident Indian citizens only.
- NRIs may apply but require an Indian address and income proof.

Conclusion

The Atlas is no longer the undisputed “best” travel card post-devaluation, but it’s still a solid option for your use case. I’d recommend it if you’re comfortable with Axis Bank’s ecosystem and prioritize flight redemptions over shopping cashback.