Axis Bank Atlas Credit Card
AXIS · MASTERCARD★4.7/ 5
✓ Details last verified 1 Jan 2025
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The Axis Atlas is India's most popular dedicated travel card. Every rupee spent earns ATLAS Miles redeemable against flight tickets with no blackout dates. 5 miles per ₹100 on travel portals, 2 miles on all else. The ₹5,000 welcome miles bonus covers the first-year fee on its own.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | airline miles | 1.65% | — |
| International | airline miles | 1.65% | — |
| Other | airline miles | 0.66% | — |
Travel: 5X EDGE Miles on all travel partners · MakeMyTrip,Goibibo,IRCTC,EaseMyTrip
International: 5X EDGE Miles on international spends
Other: 2X EDGE Miles on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic + 8 international lounge visits per year
5,000 bonus EDGE Miles on ₹7.5L annual spend
Who is this card for?
- 💳Premium tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Travel (1.65% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓5 ATLAS Miles per ₹100 on travel portals — one of the highest travel earn rates
- ✓Miles redeemable against any flight at fixed rates — no blackout dates
- ✓5,000 welcome miles on joining covers first-year fee
- ✓2% forex markup on the co-brand travel variant
👎 Cons
- ✕Miles must be redeemed via Axis travel portal or partner transfer
- ✕2 miles per ₹100 on non-travel spends is modest
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your axis edge rewards are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard EDGE points
Flights & hotels
Atlas/Magnus/Reserve — transfer to partners
✈ TRANSFER PARTNERS
🔥 Live offers on this card
2 liveTransfer bonuses and promos running right now for this card's rewards.
20% bonus on EDGE Miles to Marriott
Atlas/Reserve cardholders: transfer EDGE Miles to Marriott Bonvoy with a 20% bonus this season.
Ends 2026-08-01 · view offer ↗
20% bonus on EDGE Miles to Air India
Atlas/Magnus cardholders get a 20% bonus transferring EDGE Miles to Air India Maharaja Club this season.
Ends 2026-08-15 · view offer ↗
Frequently asked questions
What is the annual fee for the Axis Bank Atlas Credit Card?+
The annual fee is Rs 5000, which is waived on annual spends of Rs 750000.
What is the foreign currency markup?+
The forex markup is 2.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 100000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Axis Bank Atlas Credit Card are taken from AXIS's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
Axis Bank Magnus Credit Card
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Marriott Bonvoy HDFC Bank Credit Card
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Axis Bank Select Credit Card
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IDFC FIRST Ashva Credit Card
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Read more
Guides and reviews related to this card.
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- ➖ Benefit removedEffective 1 Oct 2025
Axis Atlas welcome bonus ATLAS Miles on first card transaction reduced from 5,000 to 2,500. The milestone bonus structure (10,000 miles at ₹3L spend) is unchanged.
5,000 welcome ATLAS Miles on first transaction→2,500 welcome ATLAS Miles on first transaction
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