Axis Bank ATLAS Credit Card

Axis Bank · Closed to new applicants

Axis's airline-agnostic travel card: 2 EDGE Miles per ₹100, 5 per ₹100 on flights, hotels and Travel EDGE up to ₹2 lakh a month, spend milestones and a tier that raises lounge visits and the renewal bonus. Miles transfer to 27 airline and hotel programmes, mostly at 1 mile to 2 partner points. Axis no longer offers a way to apply, though it has not announced a closure.

Annual fee
₹5,000 + GST a year
Joining fee
₹5,000 + GST
Base rate
2 EDGE Miles per ₹100 on everything else: 2 EDGE Miles per ₹100 (about 2% at cash value)
Lounges
Domestic: 8 visits a calendar year; Domestic: 4 visits a calendar year after ₹7,50,000 spend; Domestic: 6 visits a calendar year after ₹15,00,000 spend
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • 5 EDGE Miles per ₹100 on flights and hotels booked through Travel EDGE: 5 EDGE Miles per ₹100 (about 5% at cash value)
  • 5 EDGE Miles per ₹100 on direct airline and direct hotel spends: 5 EDGE Miles per ₹100 (about 5% at cash value)

Earns nothing on

  • No miles on gold and jewellery, rent, insurance, government, utilities, telecom, fuel, wallet and gift cards
  • No miles on transactions converted to EMI
  • No miles on bridge, road and toll fees

Where the sources disagree

  • Fuel surcharge waiver: The product page says 1% is refunded on fuel transactions from ₹400 to ₹4,000 up to ₹400 a statement cycle. The KFS and MITC refund lists name about 30 cards but not Atlas, and do not list it as "refund not applicable" either. The product page figures are used.
  • Date the DCC markup rose from 1.5% to 3.5%: The Atlas product page says "revised w.e.f. 21st August 2026"; Axis's notices for other retail cards say 2026-08-28. No Atlas-specific notice was found. The product page date is used.
  • Transfer partners and ratios: The Atlas T&C (dated 2026-08-12) still gives 1 mile to 2 partner points for all partners except Marriott (2 to 1) and the 2024 Group A and B lists with Marriott, ITC and Vistara. It refers to the Miles Transfer Program and the Travel EDGE terms for partners, and those terms now list 27 partners with Accor, British Airways, Cathay, Finnair, IndiGo, Qatar and Vietnam Airlines at 2 to 1, Miles & More, Orchid and Radisson at 1 to 1, and no Marriott or ITC. The Travel EDGE terms are used.

Terms the calculator does not value

  • International lounge visits (Silver 4, Gold 6, Platinum 12 a year, guests included) are in the T&C, but the T&C dated 2026-08-12 says "The international lounge program on your Axis Bank Atlas Credit Card is under maintenance". They are left out of the lounge benefits until Axis restores them; when they return they are worth up to 12 visits for a Platinum cardholder.
  • Tiers are set once a year from the previous anniversary year's spend with a two-step downgrade (Platinum drops to Gold at ₹7.5 lakh to under ₹15 lakh, otherwise to Silver; Gold drops to Silver). The calculator treats the tier as the steady state for the profile's yearly spend, so a first-year card (always Silver) would get fewer lounge visits and no annual benefit.
  • Transfer partners and ratios follow Axis's Travel EDGE terms (fetched 2026-10-20), which Axis can change without notice: 1 mile to 2 partner points for most programmes, 1 to 1 for Miles & More, Orchid Rewards and Radisson Rewards, and 2 to 1 for Accor, British Airways, Cathay, Finnair, IndiGo BluChip, Qatar and Vietnam Airlines. Marriott Bonvoy and Club ITC are no longer offered. IndiGo BluChip's undated introductory ratio (1 to 2) is not entered.
  • The transfer caps are per customer ID and calendar year, 1,50,000 miles in all (Group A 30,000, Group B 1,20,000). The calculator values each option by ratio and does not apply the caps. On "best" redemption every mile is valued at the best Group A option (KrisFlyer, Aeroplan or Turkish at 1 to 2, about ₹2 a mile), but only 30,000 miles a year can go to Group A; the "Frequent traveller" profile already earns about 33,500 miles a year with milestones and the "High spender" over 1,00,000, so miles beyond 30,000 are worth the best Group B option (about ₹1, SpiceClub on a placeholder value) or ₹1 on Travel EDGE, and heavy spenders are overstated.
  • Miles credit within 12 days of an eligible transaction.

Sources

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