Axis Bank
Axis Bank Atlas Credit Card
Annual Fee
₹5,900₹5,000 + GSTBase Reward
2% air miles
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
2,500 Edge Miles on Completing 1 Transaction Within 37 Days of Card Issuance
Product Highlights
- 5 EDGE Miles/₹100 on travel spends
- 2 EDGE Miles/₹100 on all other transactions excluding certain categories
Category Rewards
travel
5 Edge Miles for every ₹100 spent on travel spends
5X
Specialty
2 Edge Miles for every ₹100 spent on all other transactions
2X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
TRAVEL EDGE portal
5X on TRAVEL EDGE portal + direct airlines + direct hotels
direct airline bookings
5X on TRAVEL EDGE portal + direct airlines + direct hotels
direct hotel bookings
5X on TRAVEL EDGE portal + direct airlines + direct hotels
Reward Calculator
Costs you ₹4,850/year
Break-even needs ~₹73,048/month at your reward mix.
₹13K
across all your buckets
4.2K
Axis EDGE Miles
₹1.1K
via statement credit · ₹0.25/pt
Effective rate
0.67%
Annual fee
₹5,900
Year 1 net
₹-4,850
Year 2+ net
₹-4,850
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Gold tier upgrade (enhanced benefits)
Platinum tier upgrade
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, cash advance, rent, jewelry, gold, insurance, education, government, financial institutes, outstanding balance, card fees
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 Edge Miles for every ₹100 spent on travel spends, 2 Edge Miles for every ₹100 spent on all other transactions excluding spends on Hotels, Airlines, and TRAVEL EDGE Portal.
- EDGE Miles Can be Transferred to Partner Airlines and Hotel Loyalty Programs. 1 EDGE Mile = 2 Partner Miles (Except Marriott)
Benefits & Features
Domestic: 8 With Silver Tier, 12 With Gold Tier, and 18 With Platinum Tier (Each Year) (Min ₹2L quarterly retail spend required) International: 4 per annum under Silver Tier, 6 per annum under Gold Tier and 12 per annum under Platinum Tier (Available from year 2 onwards) Full lounge access description
Pros & Cons
Pros
- 2,500 EDGE Miles as a welcome bonus
- Complimentary lounge access at domestic and international airports
Cons
- No golf benefits
- No insurance benefits
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹12.0L+
Self-Emp
₹15.0L+
Networks