For a travel-centric credit card, Axis Atlas Credit Card’s reward structure is quite impressive. This is mainly because of its 1:2 redemption across leading airlines and hotel partners. For example, spending Rs. 1 Lakh on travel earns 5,000 EDGE Miles, which can be converted into 10,000 air miles or hotel loyalty points—delivering strong value. However, division of transfer partners into Group A and Group B can disappoint travellers, especially those who prefer the Group A brands, as the transfer capping is set too low. For example, if you prefer Singapore Airlines, you would be able to transfer only 30,000 EDGE Miles in a year, even if you have accumulated more EDGE Miles.
Axis Bank
Axis Atlas Credit Card
Travel
Lounge Access
Reward Points
1st Year Fee: ₹5,000* Plus Applicable Taxes
Travel
Up to 10% back on spends as rewards
Lounge Access
Complimentary lounge access worldwide
Rewards
Redeem rewards against travel bookings
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About Axis Atlas Credit Card
Axis Atlas is one of the most popular travel credit cards in India in the airline-agnostic segment. Cardholders can earn accelerated EDGE Miles on their travel spends, which can later be redeemed across 20+ travel partners in 1:2 ratio. Travellers can also book tickets directly through Axis Bank’s Travel Edge Platform, where the value of 1 EDGE Mile will be Rs. 1. Besides rewards, Axis Atlas works on a tier-based benefit model wherein cardholders can get additional lounge visits and bonus EDGE Miles on reaching certain spending thresholds.
While the card delivers an excellent reward rate on travel, certain limitations exist, such as the categorization of transfer partners into Group A and Group B, along with capping for each. Moreover, accelerated reward earnings on travel are limited to monthly spends of Rs. 2 Lakh. Though this capping is sufficient for most card users, it might be a concern for frequent international travellers with higher expenses. Also, forex mark-up fee on the card is quite high at 3.5%, which international travelers should keep in mind. Here is all you need to know about Axis Atlas Credit Card.
Also Read: Best credit cards in India 2025
Reward Benefits
- 5 EDGE Miles per Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
- 2 EDGE Miles per Rs. 100 spent across monthly travel spends above Rs. 2 Lakh
- 2 EDGE Miles per Rs. 100 spent across all categories1,2
Reward Redemption
You can redeem your accumulated reward points3 with Axis ATLAS, in the following ways:
- Axis Travel EDGE: Redeem to book flights, hotels and experiences via Axis Travel EDGE platform in the ratio of 1:1 (1 EDGE mile = Rs. 1)
- Points-to-Miles Conversion: Convert EDGE miles into partner miles or hotel loyalty points with select partner airlines and hotels. Click here to check the list of partners.
Here, 1 EDGE Mile = 2 Partner Points, except for Marriott Bonvoy where 2 EDGE Miles = 1 Marriott Bonvoy Point. You can redeem a total of 1.5 Lakh reward points in a year, maximum 30,000 EDGE Miles for Group A partners and 1,20,000 EDGE Miles for Group B partners in a year.
Other Features & Benefits
Tier Based Benefits
Besides the above mentioned general benefits that are offered to all Axis ATLAS credit card users, the card extends tier-based benefits to users based on the cumulative spends made in an anniversary year. The users are categorized into 3-Tier Milestone Privilege Programs as follows4:
- Silver Tier: On spending Rs. 3 Lakh
- Gold Tier: On spending Rs. 7.5 Lakh
- Platinum Tier: On spending Rs. 15 Lakh
Based on the tier a user falls into, the milestone, annual and lounge access benefits are extended as follows:
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Axis Atlas: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 5,000 | ||||||||||
| Annual Fee | Rs. 5,000 | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Charges |
|
Savings on Axis Atlas Credit Card
Using Axis Atlas Credit Card, cardholders can earn significant EDGE Miles which are valued at Rs. 1 for booking tickets via Axis Bank’s Travel EDGE Platform. Let’s understand total EDGE Mile earnings for a cardholders belonging to different tiers.
Silver Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
| Online shopping | 1,00,000 | 2,000 |
| Grocery | 45,000 | 900 |
| Travel (5 EDGE Miles/Rs. 100) | 1,20,000 | 6,000 |
| Offline shopping | 20,000 | 400 |
| Entertainment | 15,000 | 300 |
| Bonus Points (Milestone) |
– | 2,500 |
| Total | 3,00,000 | 12,100 |
Gold Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
| Online Shopping | 2,70,000 | 5,400 |
| Grocery | 1,00,000 | 2,000 |
| Travel (5 EDGE Miles/Rs. 100) | 2,50,000 | 11,000 |
| Offline Shopping | 70,000 | 1,400 |
| Entertainment | 60,000 | 1,200 |
| Bonus Points (Milestone) | – | 5,000 |
| Bonus Points (Annual) | – | 2,500 |
| Total | 7,50,000 | 28,500 |
Platinum Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
| Online shopping | 5,00,000 | 10,000 |
| Grocery | 3,00,000 | 6,000 |
| Travel (5 EDGE Miles/Rs. 100) | 3,00,000 | 12,000 |
| Offline shopping | 2,00,000 | 4,000 |
| Movies | 50,000 | 1,000 |
| Health and Wellness | 1,50,000 | 3,000 |
| Bonus Points (Milestone) | – | 10,000 |
| Bonus Points (Annual) |
– | 5,000 |
| Total | 15,00,000 | 51,000 |
Now, since you have reached the Platinum Tier, you would also have availed the benefits of Silver and Gold Tiers, thereby increasing your overall benefits. For example, the total milestone bonus EDGE Miles would be 2,500 for Silver, 5,000 for Gold and 10,000 for Platinum, making your total earnings 17,500 EDGE Miles.
Things to Know Before you apply
Get this card if:
You are not loyal to any airline or hotel, instead you choose on the basis of price or overall value offered
You are looking to save on your travel spends
You do not seek any other benefits from the card (like lifestyle, shopping, etc.)
Your annual spends would be sufficient to upgrade to Gold and Platinum Tier and avail higher benefits
Eligibility Criteria:
Age: 18 to 70 years
Occupation: Salaried or Self-employed
Minimum Income Requirement: Rs. 12 LPA for Salaried & Rs. 15 LPA for Self-employed
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What do we like about this card?
Axis Atlas Credit Card allows consumers to earn 2.5X reward points on travel spends through the Travel EDGE Portal. What sets this card apart is its flexibility to redeem rewards across 20+ travel partners at a 1:2 ratio. Besides this, when making travel booking via Axis Bank’s Travel Edge Platform, cardholders can get a value of Rs. 1 for each EDGE Mile, which is equivalent to premium cards like HDFC Infinia and HDFC Diners Club Black.
Pros
- Redemption of rewards against partner air miles and hotel loyalty points at a 1:2 ratio
- Accelerated reward benefits (2.5X EDGE Miles) on travel spends
- Milestone benefits of up to 10,000 EDGE Miles every year
- Decent number of international and domestic lounge visits
Cons
- High forex markup fee of 3.5%
- Complicated tier-based benefit structure
- High annual fee of Rs. 5,000
- Reward points cannot be redeemed against cashback
Conclusion
Axis Atlas is designed around travel benefits. The base reward rate on the card is decent but, as travel spends earn 2.5X EDGE Miles, putting travel expenses worth up to Rs. 2 Lakh on the card would be helpful in optimizing its rewards. Since travel expenses are usually substantial, reaching the spending milestone may not be too difficult, especially for a person who travels within India and abroad multiple times in a year. However, frequent international travellers may find it challenging to maximize their savings via this card as it imposes a high forex markup fee of 3.5% and does not offer any accelerated rewards rate for monthly travel spends exceeding Rs. 2 lakh. Overall, frequent travellers who are not loyal to a specific airline or hotel can maximize the benefits of Axis Atlas Credit Card by redeeming accumulated reward points for air miles or hotel loyalty points at a 1:2 ratio.
Frequently Asked Questions
Everything you need to know about this credit card
Axis Atlas Credit Card offers three tier-based memberships: Silver, Gold, and Platinum, based on the spending criteria. Cardholders can achieve the Silver tier by spending Rs. 3 Lakh, and the Gold tier by spending Rs. 7.5 Lakh, and the Platinum tier by spending Rs. 15 Lakh. With higher tiers, cardholders can access enhanced benefits such as a higher number of complimentary airport lounge visits and increased bonus reward points through milestone and annual benefits.
Axis Atlas is a travel-focused credit card that offers Edge Miles, which can be redeemed against partner air miles or hotel loyalty points at a 1:2 ratio or for travel bookings through the Travel Edge portal at a 1:1 ratio. On the other hand, the Axis Select Credit Card offers EDGE reward points, redeemable through the rewards catalogue at a value of Rs. 0.20 per point and against partner air miles and hotel loyalty points at a 10:1 ratio.
By spending Rs. 5 Lakh in a year, cardholders can achieve the Platinum tier, which offers up to 12 domestic lounge visits and 6 international lounge visits annually. They can also earn up to 5,000 Edge Miles as milestone and annual benefits, worth Rs. 10,000 when redeemed against partner airlines or hotel loyalty points at a 1:2 ratio. Furthermore, cardholders earn 2 Edge Miles for every Rs. 100 spent on travel and other categories. This makes the card especially beneficial for frequent travellers who can maximize its features and save on travel spends.
Axis Atlas Credit Card offers milestone benefits tied to its tier structure. Cardholders who achieve the Silver tier by spending Rs. 3 Lakh receive 2,500 Edge Miles as milestone benefits. At the Gold tier, achieved by spending Rs. 7.5 Lakh, they receive 2,500 Edge Miles as milestone benefits and an additional 2,500 Edge Miles as annual benefits. At the highest level, the Platinum tier, achieved by spending Rs. 15 Lakh, cardholders earn 5,000 Edge Miles as milestone benefits and 5,000 Edge Miles as annual benefits.
To be eligible for Axis Atlas Credit Card, applicants must be between 18 and 70 years old. Both salaried and self-employed individuals can apply. Salaried individuals must have an annual income of Rs. 12 Lakh, while self-employed individuals must meet the annual income requirement of Rs. 15 Lakh.
Footnotes
- Excluded categories from rewards earning: Fuel surcharge waiver transactions, insurance, wallet recharge, rent, gold/ jewelry, rent, wallet, Government institution, insurance, fuel and utilities.
- 1% transaction fee applies to education payments via third-party apps, rent payments, and spends exceeding monthly limits on wallet loads (Rs. 10,000), fuel (Rs. 50,000), utilities (Rs. 25,000), and gaming (Rs. 10,000).
- A reward redemption fee of Rs. 99 applies for redeeming EDGE Reward Points or Miles through the Axis EDGE portal, and Rs. 199 for converting EDGE Reward Points or Miles into loyalty partner program miles.
- The tier will be valid for one anniversary year. If a user doesn’t achieve the tier threshold in an anniversary year, they are downgraded to the lower tier.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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