Travel smarter with unlimited EDGE Miles and airline-agnostic rewards
8 domestic + 4 international visits per year
Up to 10,000 bonus EDGE Miles annuall
: 5X on travel spends, 2X on all other purchases
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| Benefit | Details |
|---|---|
| Welcome Bonus | Receive 2,500 EDGE Miles on completing your first transaction within 37 days of card issuance. |
| Accelerated Travel Rewards | Earn 5 EDGE Miles per ₹100 spent on direct airline bookings, direct hotel bookings, and TRAVEL EDGE portal transactions (up to ₹2,00,000 monthly spend). |
| Flexible Redemption | Redeem EDGE Miles at 1:1 ratio on TRAVEL EDGE portal or transfer to 20+ airline and hotel partners at 1:2 ratio (1 EDGE Mile = 2 Partner Miles). |
| Three-Tier Membership | Unlock Gold tier at ₹7.5 lakh annual spend and Platinum tier at ₹15 lakh annual spend for enhanced benefits and lounge access. |
| Dining Benefits | Enjoy up to 25% discount (max ₹800) at partner restaurants via EazyDiner, twice per month on minimum spend of ₹2,500. |
| Airport Lounge Access | Complimentary domestic and international airport lounge access for primary cardholders and guests based on tier membership. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel / Rewards |
| Type of Card | Premium Travel Credit Card (Airline-Agnostic) |
| Free or Paid | ₹5,000 + GST Annually (Non-waivable) |
The Axis Bank Atlas Credit Card is the perfect choice for frequent travellers who want the flexibility to earn and redeem miles across multiple airlines and hotel partners without being tied to a single brand. As a premium airline-agnostic travel card, it offers exceptional value through its unique EDGE Miles programme that allows you to earn accelerated rewards on travel spending and transfer miles to over 20 partner programmes at an attractive 1:2 conversion ratio. The three-tier membership structure rewards higher spenders with additional milestone benefits, lounge access, and renewal bonuses, making it ideal for travellers who spend ₹7.5 lakh or more annually.
Flexible Miles Programme: Unlike co-branded airline cards, the Atlas Credit Card uses EDGE Miles - a universal travel currency that can be transferred to 20+ airline and hotel loyalty programmes including Singapore Airlines KrisFlyer, Air India Flying Returns, Marriott Bonvoy, ITC, Accor ALL, and more at 1:2 ratio (except Marriott).
Accelerated Travel Earnings: Earn 5 EDGE Miles per ₹100 on direct airline bookings, direct hotel bookings, and purchases through Axis Bank's TRAVEL EDGE portal on cumulative monthly spends up to ₹2,00,000. After crossing ₹2,00,000 monthly spend on travel, earn 2 EDGE Miles per ₹100.
Base Earning Rate: Earn 2 EDGE Miles per ₹100 on all other eligible retail purchases including dining, shopping, entertainment, and more.
Tier-Based Benefits: The card features a three-tier membership system (Silver, Gold, Platinum) based on annual spending. Start with Silver tier, upgrade to Gold at ₹7.5 lakh annual spend, and reach Platinum at ₹15 lakh annual spend. Each tier offers increasing benefits including additional lounge access, milestone rewards, and renewal bonuses.
Generous Milestone Rewards: Earn up to 10,000 bonus EDGE Miles annually by achieving spending milestones - 2,500 EDGE Miles at ₹3 lakh, additional 2,500 at ₹7.5 lakh, and additional 5,000 at ₹15 lakh in annual spends.
Premium Lounge Access: Enjoy complimentary access to domestic and international airport lounges for both primary cardholders and accompanying guests. Access varies by tier - Silver tier gets 4 international + 8 domestic visits annually, with more visits as you upgrade tiers.
Direct Redemption: Book flights, hotels, and experiences directly through the TRAVEL EDGE portal where 1 EDGE Mile = ₹1, offering straightforward value without conversion complexity.
Dining Privileges: Get up to 25% discount (maximum ₹800) at partner restaurants through EazyDiner on bills of ₹2,500 or more. Valid twice per month per card.
The Atlas Credit Card stands out for its flexibility in allowing you to choose your preferred airline or hotel partner for redemption rather than locking you into a single loyalty programme, making it ideal for travellers who want to maximise the value of their spending across multiple brands.
5 EDGE Miles per ₹100 on Travel Spends (Accelerated Rewards)
Earn 5 EDGE Miles for every ₹100 spent on:
Direct airline bookings (made at airline-owned websites, airline counters, or airline helpline numbers)
Direct hotel bookings (made at hotel-owned websites or hotel counters)
Bookings made through Axis Bank TRAVEL EDGE portal
Important: This accelerated earning rate applies only on cumulative monthly spends up to ₹2,00,000. After crossing this threshold, you'll earn the base rate of 2 EDGE Miles per ₹100.
Note: Bookings made through third-party travel agents, online travel agencies (OTAs), or their websites/IVR systems will earn only the base rate of 2 EDGE Miles per ₹100.
2 EDGE Miles per ₹100 on All Other Spends
Earn 2 EDGE Miles for every ₹100 spent on all other eligible retail purchases including:
Shopping and retail transactions
Dining and restaurants
Entertainment and movies
Online purchases
International transactions
Exclusions from EDGE Miles
EDGE Miles are NOT earned on the following categories:
Gold and jewellery purchases
Rent payments
Wallet loads and prepaid card reloads
Government institution payments
Insurance premiums
Fuel purchases
Utility bill payments (electricity, water, gas, telecom)
Cash advances
EMI transactions
Card fees and charges
Redeeming EDGE Miles
Option 1: Book on TRAVEL EDGE Portal (1:1 Redemption)
Redeem EDGE Miles for flight tickets, hotel bookings, and experiences on the Axis Bank TRAVEL EDGE portal
Redemption value: 1 EDGE Mile = ₹1
Simple and straightforward redemption process
Access through Axis Bank Mobile App or website
Option 2: Transfer to Partner Programmes (1:2 Redemption)
Transfer EDGE Miles to 20+ airline and hotel loyalty programmes at 1:2 ratio (1 EDGE Mile = 2 Partner Miles, except Marriott).
Group A Partners (Maximum 30,000 EDGE Miles transfer per calendar year):
Singapore Airlines (KrisFlyer)
Etihad Airways (Etihad Guest)
Accor Hotels (Accor Live Limitless)
Air France-KLM (Flying Blue)
Ethiopian Airlines
Japan Airlines (JAL Mileage Bank)
Qantas Airways (Qantas Frequent Flyer)
Qatar Airways (Privilege Club)
Turkish Airlines (Miles&Smiles)
Thai Airways (Royal Orchid Plus)
United Airlines (MileagePlus)
Group B Partners (Maximum 1,20,000 EDGE Miles transfer per calendar year):
Air India (Flying Returns)
Air Canada (Aeroplan)
Air Asia
ITC (Club ITC)
IHG Hotels & Resorts (IHG One Rewards)
Marriott International (Marriott Bonvoy)
SpiceJet
Vistara (Club Vistara)
Wyndham Hotels (Wyndham Rewards)
Transfer Caps:
Maximum 1,50,000 EDGE Miles can be transferred to partner programmes per customer per calendar year
Within this, maximum 30,000 EDGE Miles to Group A partners and maximum 1,20,000 EDGE Miles to Group B partners
Only 1 loyalty programme ID can be linked per partner at a time
60-day waiting period required to change linked loyalty ID for any partner
Transfer Fees:
₹199 + GST per conversion request to transfer EDGE Miles to partner loyalty programmes
2,500 EDGE Miles: Receive 2,500 EDGE Miles as welcome benefit upon completing your first transaction within 37 days of card issuance.
Note: Welcome benefit is applicable only once per customer. Cards sourced from 20th April 2024 onwards are eligible for this benefit.
Earn bonus EDGE Miles by achieving annual spending milestones:
Spending Milestone | Bonus EDGE Miles |
₹3,00,000 | 2,500 EDGE Miles |
₹7,50,000 | Additional 2,500 EDGE Miles (5,000 cumulative) |
₹15,00,000 | Additional 5,000 EDGE Miles (10,000 cumulative) |
Total Milestone Rewards: Up to 10,000 EDGE Miles per year
Exclusions for Milestone Calculation: Spends on gold/jewellery, rent, wallet loads, government institutions, insurance, fuel, and utilities are excluded from milestone spend calculation.
The Axis Bank Atlas Credit Card operates on a tier-based system where your membership level is determined by your annual spending:
Silver Tier (Base Tier)
Eligibility: Default tier for all new cardholders; maintained with annual spends below ₹7.5 lakh
Benefits:
4 complimentary international lounge visits per year
8 complimentary domestic lounge visits per year
2 EDGE Miles per ₹100 on regular spends
5 EDGE Miles per ₹100 on travel spends (up to ₹2 lakh monthly)
No renewal benefit
Gold Tier
Eligibility: Achieved upon ₹7.5 lakh annual spending
Benefits:
All Silver tier benefits
2,500 EDGE Miles as annual renewal benefit (credited upon payment of annual fee)
Enhanced lounge access (specific numbers based on tier achievement)
Platinum Tier (Top Tier)
Eligibility: Achieved upon ₹15 lakh annual spending
Benefits:
All Gold tier benefits
5,000 EDGE Miles as annual renewal benefit (credited upon payment of annual fee)
Maximum lounge access privileges
Highest milestone rewards (10,000 EDGE Miles when reaching ₹15 lakh spend)
Important Notes:
Tier upgrades happen automatically when you achieve the spending milestone
Your tier is valid for the anniversary year
If you don't maintain the minimum spend in the next anniversary year, your tier will be downgraded
Spends on gold/jewellery, rent, wallet, government institutions, insurance, fuel, and utilities are excluded from tier calculation
Access complimentary airport lounges through the DragonPass programme:
Silver Tier:
4 international lounge visits per year
8 domestic lounge visits per year
Gold & Platinum Tiers: Enhanced lounge access based on tier achievement
Features:
Generate QR code from Axis Bank Mobile App for lounge access
No need to carry physical card
Access available for both primary cardholder and accompanying guests
Complimentary access to food & beverages as per lounge policies
Access on first-come, first-served basis
EazyDiner Discount: Get up to 25% discount (maximum ₹800) at partner restaurants
Terms:
Valid on minimum bill amount of ₹2,500
Benefit can be availed twice per month per card
Access partner restaurants through EazyDiner platform
Discount applicable on food and beverage charges
Up to 50 Days: Enjoy up to 50 days of interest-free credit period on purchases from the transaction date, subject to full payment by the due date.
EDGE Miles earned on the Axis Bank Atlas Credit Card do not expire as long as the card account remains active and in good standing.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹5,000 + GST (~₹5,900) | One-time charge when the card is issued. Non-waivable. |
| Annual Fee | ₹5,000 + GST (~₹5,900) | Charged every year. Non-waivable. However, renewal benefits are provided based on tier. |
| Renewal Benefit | 0 - 5,000 EDGE Miles | Silver: ₹0; Gold: 2,500 EDGE Miles; Platinum: 5,000 EDGE Miles upon fee payment. |
| Interest Rate (APR) | 3.6% per month (43.2% annually) | Applicable on outstanding balances if full payment is not made by due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions (foreign currency purchases). |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Charged on cash withdrawals from ATMs or over the counter. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds the assigned credit limit. |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment (cheque/ECS) is returned or dishonored. |
| Late Payment Charges | Up to ₹1,300 | Varies based on outstanding amount. Check Axis Bank's MITC for details. |
| Reward Redemption Fee | ₹99 + GST | Applicable when redeeming EDGE Miles on TRAVEL EDGE portal. |
| Miles Transfer Fee | ₹199 + GST | Charged per conversion request when transferring EDGE Miles to airline/hotel partners. |
| Railway Surcharge | 1% + GST | Applicable on railway ticket bookings. |
| Fuel Transaction Fee | 1% | On fuel spends above ₹50,000 per month; no surcharge waiver available. |
| Rent Transaction Fee | 1% | Applicable on rent payments. |
| Wallet Load Fee | 1% | On wallet loads above ₹10,000 per month. |
| Education Fee | 1% | On education-related payments through third-party apps. |
| Gaming Fee | 1% | On gaming transactions above ₹10,000 per month. |
| Balance Transfer Fee | Varies | Check with Axis Bank for current charges on balance transfer requests. |
| Duplicate Statement | As per bank policy | Charged for requesting physical duplicate statements. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 18 to 70 years; Add-on cardholder: 18+ years |
Citizenship | Must be a Resident of India |
Income | Salaried: Minimum ₹12 lakh per annum; Self-employed: Minimum ₹15 lakh per annum |
Employment | Both salaried and self-employed individuals can apply |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
| Document Type | Details |
|---|---|
| Identity Proof | Any one: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card |
| Address Proof | Any one: Aadhaar Card, Passport, Driving License, Voter ID Card, Utility Bill (electricity/water/gas), Bank statement |
| Income Proof | Salaried: Latest 3 months' salary slips, Form 16, Bank statement (last 6 months). Self-employed: IT Returns (last 2 years), Business proof, Bank statement (last 6 months) |
| PAN Card | Mandatory for credit card issuance (as per RBI regulations) |
| Photograph | Recent passport-size photographs |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Axis Bank Atlas Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Travel Spending | Use the card for all direct airline and hotel bookings to earn 5 EDGE Miles per ₹100 (up to ₹2 lakh monthly). Book through the TRAVEL EDGE portal for maximum rewards. |
Track Monthly Travel Cap | Monitor your monthly travel spending to stay within the ₹2,00,000 accelerated rewards threshold. Beyond this, earnings drop to 2 EDGE Miles per ₹100. |
Choose Redemption Wisely | Transfer EDGE Miles to airline/hotel partners for 1:2 value (best for frequent flyers) or redeem directly on TRAVEL EDGE at 1:1 (simpler for occasional travellers). |
Plan Partner Transfers | Group A partners (like Singapore Airlines) have a 30,000 EDGE Miles annual cap. Plan transfers strategically based on your travel goals. |
Achieve Milestone Spends | Aim for ₹7.5 lakh or ₹15 lakh annual spend to unlock Gold/Platinum tiers for enhanced renewal benefits and milestone rewards. |
Use for Everyday Spends | Earn 2 EDGE Miles per ₹100 on all non-travel purchases. Every rupee spent contributes to your tier upgrades and milestone targets. |
Leverage Dining Benefits | Use EazyDiner discount twice monthly for 25% off (up to ₹800) at partner restaurants on bills above ₹2,500. |
Lounge Access | Generate QR code from Axis Bank Mobile App for hassle-free lounge access without carrying your physical card. |
Avoid Excluded Categories | Don't use for rent, fuel, utilities, insurance, or wallet loads as these don't earn EDGE Miles and don't count toward milestones. |
Monitor EDGE Miles Balance | Regularly check your EDGE Miles balance and tier status through the Atlas dashboard in Axis Bank Mobile App. |
Link Loyalty Programmes Early | Link your preferred airline/hotel loyalty programme IDs in advance as there's a 60-day waiting period to change IDs. |
Pay on Time | Always pay the full bill by the due date to avoid interest charges and maintain good credit score for tier retention. |
The Axis Bank Atlas Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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