Axis Bank Atlas Credit Card
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Axis Bank

Axis Bank Atlas Credit Card

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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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Key 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

Rewards

How you earn back on every swipe

miles

Reward type

2% – 5%

Earn rate

2

Points / ₹100

₹1

Per point

₹2,00,000

Monthly cap

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)

Travel & 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

Tips & reviews

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

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Eligibility

Age21+ 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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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