About Axis Atlas Credit Card
Axis Atlas Credit Card is a popular travel credit card in India that is not tied to any specific airline. Cardholders can earn accelerated EDGE Miles on travel spends and transfer them to 20+ airline and hotel partners at a 1:2 ratio. You can also redeem EDGE Miles directly on the Travel EDGE platform, where 1 EDGE Mile equals Rs. 1 for flight and hotel bookings. The card also follows a tier-based benefits system, offering bonus EDGE Miles and additional airport lounge visits when certain spending milestones are achieved.
However, the card has a few limitations. Transfer partners are divided into Group A and Group B with specific capping limits, and accelerated rewards on travel spends are capped at Rs. 2 Lakh per month, which may feel restrictive for heavy travellers. In addition, the card carries a high forex mark-up fee of 3.5%, which may reduce its value for frequent international travellers. Overall, the Axis Bank Atlas Credit Card is a good option for moderate spenders looking for strong travel rewards and lounge access.
Axis Atlas Credit Card Rewards Program
Earning EDGE Miles:
- 5 EDGE Miles per Rs. 100 spent on travel (up to Rs. 2 Lakh per month)
- 2 EDGE Miles per Rs. 100 on travel spends above Rs. 2 Lakh per month
- 2 EDGE Miles per Rs. 100 on all other spends
Redeeming EDGE Miles:
- Axis Travel EDGE: Use miles to book flights, hotels, and experiences at 1:1 ratio (1 EDGE Mile = Rs. 1)
- Points-to-Miles Conversion: Convert EDGE Miles to partner airline or hotel loyalty points. Most partners: 1 EDGE Mile = 2 Partner Points; for Marriott Bonvoy: 2 EDGE Miles = 1 Point.
Redemption Limits:
- Maximum 1.5 Lakh EDGE Miles per year
- Group A partners: up to 30,000 EDGE Miles/year
- Group B partners: up to 1,20,000 EDGE Miles/year
Other Features and Benefits
Welcome Benefit:
- 2,500 bonus EDGE Miles on first transaction within 37 days of card activation.
Travel Benefits – Tier-Based
The Axis ATLAS Credit Card offers tier-based travel benefits depending on your annual spending:
Silver Tier (Spend Rs. 3 Lakh)
- 4 complimentary international lounge visits per year
- 8 complimentary domestic lounge visits per year
- 2,500 EDGE Miles as milestone benefit
Gold Tier (Spend Rs. 7.5 Lakh)
- 6 complimentary international lounge visits per year
- 12 complimentary domestic lounge visits per year
- 2,500 EDGE Miles as milestone benefit + 2,500 EDGE Miles as annual benefit
Platinum Tier (Spend Rs. 15 Lakh)
- 12 complimentary international lounge visits per year
- 18 complimentary domestic lounge visits per year
- 5,000 EDGE Miles as milestone benefit + 5,000 EDGE Miles as annual benefit
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 5,000 + Taxes |
| Annual Fee | Rs. 5,000 + Taxes |
| Finance Charges | 3.75% per month |
| Late Payment Charges | | For Statement Balance: | | | Less than Rs. 500 | Nil | | From Rs. 501 to Rs. 5,000 | Rs. 500 | | From Rs. 5,001 to Rs. 10,000 | Rs. 750 | | Greater than Rs. 10,000 | Rs. 1,200 |
|
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Document Required For Axis Atlas Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis Atlas Credit Card Highlights
What do we like about this card?
- Enjoy a welcome bonus of up to 2,500 EDGE Miles.
- Earn 5 EDGE Miles per ₹100 spent on travel (up to ₹2 lakh per month).
- Get 2 EDGE Miles per ₹100 on spends beyond ₹2 lakh or across other categories.
- Redeem your EDGE Miles on the Travel EDGE platform at a 1:1 ratio (1 EDGE Mile = ₹1).
- Convert EDGE Miles to partner programs — 2 EDGE Miles = 2 Partner Points (or 2 EDGE Miles = 1 Marriott Bonvoy Point).
- Access up to 12 international and 18 domestic airport lounges every year*.
- Unlock milestone rewards of up to 5,000 bonus EDGE Miles annually*.
Things to Know Before you apply
Get this card if:
- You want rewards across all travel spends, not just a single brand.
- You are not looking for lifestyle or shopping benefits.
- You travel frequently within India and can maximize the perks.
- Your annual spending is enough to reach Gold or Platinum Tier for higher rewards.
Suggested Read: Best Credit Card for International Travel 2026
Pros
- 1:2 redemption value with partner airlines and hotels
- Accelerated rewards (2.5X EDGE Miles) on travel spends
- Milestone benefits up to 10,000 EDGE Miles annually
- Multiple international and domestic lounge visits
Cons
- High forex markup fee of 3.5%
- Complex tier-based benefit structure
- High annual fee of Rs. 5,000
- Reward points cannot be redeemed for cashback
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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Frequently Asked Questions
This card is ideal for frequent travelers who want flexible rewards across all travel spends rather than brand-specific benefits.
You earn 5 EDGE Miles per Rs. 100 spent on travel up to Rs. 2 Lakh per month, and 2 EDGE Miles per Rs. 100 on travel above Rs. 2 Lakh and on other spends.
EDGE Miles can be redeemed via Axis Travel EDGE platform for flights, hotels, and experiences (1 EDGE Mile = Rs. 1) or converted to partner airline/hotel points at a 1:2 ratio.
Depending on your annual spend, you fall under Silver (Rs. 3 Lakh), Gold (Rs. 7.5 Lakh), or Platinum (Rs. 15 Lakh) tiers, which give additional lounge access and milestone EDGE Miles.
Silver: 4 international + 8 domestic lounges
Gold: 6 international + 12 domestic lounges
Platinum: 12 international + 18 domestic lounges
Yes, you receive 2,500 bonus EDGE Miles on the first transaction made within 37 days of card issuance.
Yes, the card has a forex markup fee of 3.5% on foreign transactions.
No, EDGE Miles cannot be converted to cashback; they can only be used for travel bookings or partner loyalty programs.
