The Axis Bank Atlas credit card enjoys significant popularity within India’s airline-agnostic travel card segment. Its key attraction is the accelerated accrual of EDGE Miles on travel expenditures, redeemable at a favorable 1:2 ratio across 20+ travel partners. While offering a compelling rewards program for travel spending, certain limitations warrant consideration.
The categorization of travel partners into Groups A and B, each with redemption caps, presents a potential constraint. Furthermore, the accelerated earning rate on travel is subject to a monthly spending limit of ₹2 Lakh. Although this cap accommodates most users, high-spending international travelers may find it restrictive. A notable drawback is the relatively high forex markup fee of 3.5%, a significant factor for those frequently traveling abroad.
Cardholders benefit from the option to book tickets directly through Axis Bank’s Travel Edge Platform, where EDGE Miles are valued at ₹1 each. Beyond rewards, the Axis Atlas operates on a tiered benefits structure, providing increasing access to airport lounge visits and bonus EDGE Miles based on spending milestones. This tiered system adds value to the card for frequent users.
Reward Benefits
- 2 EDGE Miles per Rs. 100 spent across all categories
- 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
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.
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 follows:
- 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:
Silver Tier
- 4 complimentary international lounge access in a year
- 8 complimentary domestic lounge access in a year
- 2,500 EDGE Miles as milestone benefits
Gold Tier Benefits:
- 6 complimentary international lounge access in a year
- 12 complimentary domestic lounge access in a year
- 2,500 EDGE Miles as milestone benefits and 2,500 EDGE Miles as an annual benefit
Platinum Tier Benefits:
- 12 complimentary international lounge access in a year
- 18 complimentary domestic lounge access in a year
- 5,000 EDGE Miles as milestone benefits and 5,000 EDGE Miles as an annual benefit
Welcome Benefits: 2,500 bonus EDGE Miles as card activation benefit on making the first transaction within 37 days of card setup
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 | For Statement Balance : Less than Rs. 500NilFrom Rs. 501 to Rs. 5,000Rs. 500From Rs. 5,001 to Rs. 10,000Rs. 750Greater than Rs. 10,000Rs. 1,200 |
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
How To Apply Axis Bank Atlas Credit Card?
If you want to apply for the Atlas credit card offline, then you can do the same by visiting the Axis Bank branch in your city and filling out the application form. Or you can apply for the card online by following the steps below:
- Click on the axis bank website Apply Now button.
- Fill in your particulars.
- Submit your application.