What is the annual fee for Axis Bank Atlas Credit Card?

The annual fee for Axis Bank Atlas Credit Card is ₹5,000. The fee is waived on annual spend above ₹7,50,000.

What is the joining fee for Axis Bank Atlas Credit Card?

The one-time joining fee for Axis Bank Atlas Credit Card is ₹5,000.

What are the rewards and benefits of Axis Bank Atlas Credit Card?

Axis Bank Atlas Credit Card earns miles rewards. Reward rate ranges from 2% to 5%. You earn 2 points per ₹100 spent.

What lounge access benefits does Axis Bank Atlas Credit Card provide?

Axis Bank Atlas Credit Card provides 4 domestic lounge visits per quarter and 12 international lounge visits per year.

What is the eligibility criteria for Axis Bank Atlas Credit Card?

To be eligible for Axis Bank Atlas Credit Card, you need a minimum monthly income of ₹1,00,000.

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Axis Bank

Axis Bank Atlas Credit Card

Name: Axis Bank Atlas Credit Card
Brand: Axis Bank
Price: 5000 INR
Availability: InStock

Axis Atlas is a mid-premium travel credit card offering tiered EDGE Miles based on annual spend milestones — Silver (₹7.

Premium

CardCheck ScoreVery Good

Top Category Performance

Travel & Lounge (96/100)

Best for: Travel rewards — EDGE Miles for flights and hotel stays

Joining Fee

₹5,000

Annual Fee

₹5,000

Reward Rate (%)

2 – 5

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

18/25

Lounge & Perks

15/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

96/100

Premium Privileges

88/100

Online Shopping

84/100

Cashback Spends

75/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Axis Bank Atlas Credit Card Benefits

5 EDGE Miles per ₹100 on airline, hotel & Travel EDGE spends (up to ₹2 lakh/month)

2 EDGE Miles per ₹100 on other eligible spends

1 EDGE Mile = ₹1 on Travel EDGE or up to 2 partner air miles/hotel points

Up to 18 domestic and 12 international lounge visits yearly via tier-based benefits

2,500 EDGE Miles as welcome benefit on first transaction within 37 days

Additional 2,500–5,000 EDGE Miles on annual spend milestones

Complimentary Priority Pass membership included

1% fuel surcharge waiver on eligible fuel transactions

Axis Bank Atlas Credit Card Rewards

How you earn back on every swipe

miles

Reward type

2% – 5%

Earn rate

Points / ₹100

₹1

Per point

₹2,00,000

Monthly cap

Axis Bank Atlas Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹5,000

Annual fee₹5,000

Fee waiver on annual spend₹7,50,000

Interest-free period50 days

Interest rate (APR)55.55%

Late payment fee (max)₹1,200

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹4000)

Axis Bank Atlas Credit Card Lounge Access

Airport perks included with this card

4 per quarter

Domestic lounge visits

12 per year

International lounge visits

Things to Keep in Mind

No miles on fuel, EMI, wallet loading, rent, gold/jewellery, insurance, government transactions
Miles earn capped at ₹2L/month on accelerated categories

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹7,50,000/yr

Your Estimated Monthly Spend:₹62,500/mo

Presets:

Annual Fee 100% Waived₹7,50,000 / ₹7,50,000

🎉 Annual renewal fee 100% waived! At ₹62,500/mo (₹7,50,000/yr), your ₹5,000 fee drops to ₹0.

Gross Rewards+₹37,500

Effective Fee₹0 (Waived)

Net Profit/Yr+₹37,500

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Axis Bank Atlas Credit Card Eligibility

Age18+ yrs – 70

Min. income₹1,00,000/month

CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros

One of the best travel credit cards in India under ₹5K fee range
Excellent airline and hotel transfer ratios
Strong rewards on direct airline and hotel bookings
Lounge access scales nicely with annual spends
Travel EDGE redemption can generate very high value
Great flexibility across multiple loyalty partners
Strong milestone rewards for frequent travelers
Good companion card for travel-focused users

Cons

Forex markup is high at 3.5%
Best value depends heavily on travel rewards optimization
Reward exclusions are extensive (rent, fuel, utilities, insurance, wallets, etc.)
Lounge access and tier benefits depend on annual spend levels
Reward system can feel complex for beginners
Some premium benefits have been devalued recently
Not ideal for users preferring simple cashback rewards
Annual fee waiver threshold is very high

Who is this card for?

Frequent travellers spending ₹7.5L+ annually who want airline miles and lounge access. Strong value if you spend heavily on travel, dining, and online categories.