Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card Review


Joining Fee: Rs 5000+GST
Annual Fee: Rs 5000+GST




1% to 10%



Issued On



Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, Meet and Greet, Fuel Surcharge Waiver

Table of Contents

Axis Bank Atlas credit card is a new travel-focused offering. The Atlas credit card earns ‘EDGE Miles’ – a new reward currency from Axis Bank. These EDGE Miles can be transferred to an extensive list of airline and hotel partners like EDGE Rewards. It also offers great milestone benefits and rewards as Tiers. With the devaluation of Magnus, the Axis Bank Atlas credit card deserves another look. At a lesser annual fee, the Atlas can be one of the good options to earn miles on spending over the Magnus.

Fees and Charges

Joining FeeRs 5000+GST
Welcome Benefit5000 EDGE miles on 3 transactions within 60 days from card issuance
Annual FeeRs 5000+GST
Renewal Benefit2500 to 10000 EDGE Miles (Based on Tier)
Axis Bank Atlas Credit Card Review – Fees and Charges

The 5000 EDGE Miles are equal to 10000 partner miles. So, you can move them to partners like ITC Hotels to get a much better value than the fee you pay for this card.

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Axis Bank Atlas also offers a renewal benefit based on the tier you are in. If you reach the Platinum tier with your spending, you get 10000 EDGE Miles for the same annual fee of Rs 5000+GST. So, the more you spend the better value you get on the Atlas.

Axis Bank Atlas Credit Card Tier Benefits

Like the airlines’ loyalty programs, Axis Bank has created a tier system for Atlas credit cards as well. The tier is decided based on the spending in an anniversary year. The card gets extra rewards and benefits based on the tier. The tier changes happen as and when we hit the target spends.

So, if you spend Rs 7.5 Lakhs in a membership year you immediately get the Gold Tier and also retain it for another membership year when you renew the card.

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  • Silver: Initial Tier
  • Gold: Rs 7.5 Lakhs spend
  • Platinum: Rs 15 Lakhs spend

EDGE Miles Earn Rate

Travel (Airlines, Hotels and Travel EDGE Portal)5 EDGE Miles per Rs 100
Other Spends2 EDGE Miles per Rs 100
Fuel Surcharge Waiver TransactionsNo EDGE Miles
Wallet SpendsNo EDGE Miles
Insurance Spends2 EDGE Miles per Rs 100 only up to Rs 5000 value
Axis Bank Atlas Credit Card Review: Rewards

The 5 miles per Rs 100 on travel spending is great. The rewards rate is complemented by the annual and milestone benefits. Plus, we get more value when we use the transfer partners. Only direct spends at airline and hotel websites are eligible for 5 EM per Rs 100. OTA bookings will not be eligible for the accelerated EDGE Miles earn rate.

Axis Atlas Milestone Benefits

The Axis Bank Atlas credit card offers better value when we spend more. Spending more also gets you a better tier that comes with more EDGE Miles and benefits.

  • Rs 3 Lakhs Spend: 2500 EDGE Miles
  • Rs 7.5 Lakhs Spend: 5000 EDGE Miles and Gold Tier
  • Rs 15 Lakhs Spend: 10000 EDGE Miles and Platinum Tier

Axis Atlas Renewal Benefit

The Axis Bank Atlas credit card does not have an annual fee waiver criteria but we get EDGE Miles benefits based on the tier during renewal. This is over and above the milestone benefits from above. So, if you spend Rs 15 Lakhs in a year you get 20000 EDGE Miles including both milestone and renewal benefits.

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  • Silver: 2500 EDGE Miles
  • Gold: 5000 EDGE Miles
  • Platinum: 10000 EDGE Miles

Axis Atlas EDGE Miles Redemption

Axis Bank Atlas Credit Card Review - Transfer Partners
  • 1 EDGE Mile = Rs 1 for booking flights/hotels on Travel EDGE Portal. This can be used for booking revenue flights like IndiGo on Travel EDGE.
  • 1 EDGE Mile = Up to 2 Partner Airmiles

Axis Atlas Transfer Partners

Transfer Partner and
Conversion Rate
EDGE Miles: Partner Miles
Air India: Flying Returns1:2
Accor: ALL1:2
Air Asia: airasia rewards1:2
Air Canada: Aeroplan1:2
Air France – KLM: Flying Blue1:2
Air Vistara: Club Vistara1:2
Ethiopian Airlines: ShebaMiles1:2
Etihad Airways: Etihad Guest1:2
IHG Hotels & Resorts: IHG One Rewards1:2
ITC: Club ITC1:2
Japan Airlines: JAL Mileage Bank1:2
Marriott International: Marriott Bonvoy2:1
Qantas Airways: Qantas Frequent Flyer1:2
Singapore Airlines: KrisFlyer1:2
SpiceJet: SpiceClub1:2
Turkish Airlines: Miles&Smiles1:2
United Airlines: United MileagePlus1:2
Wyndham Hotels & Resorts: Wyndham Rewards1:2
Axis Bank Atlas Credit Card Review – Transfer Partners

There are some great partners here. Our favorites in this list would be KrisFlyer, Club ITC, Miles&Smiles, FlyingBlue, MileagePlus and Accor. For Marriott Bonvoy, Amex cards continue to be our preferred option.

If we use EDGE Miles to book on the Travel EDGE portal, the effective reward rate would be between 1% to 2% based on the tier. Hope more partners get added in the future which will make for a better value proposition.

Axis Atlas Key Benefits

Being a travel-focused credit card, we have many travel benefits on Axis Atlas.

BenefitSilver TierGold TierPlatinum Tier
Complimentary Airport Lounge Access – Domestic81218
Complimentary Airport Lounge Access – International4612
Airport Concierge ServicesNone24
Airport Pickup ServicesNoneNone2
Axis Bank Atlas Credit Card: Tier-wise benefits
  • International Lounge Access on Axis Atlas credit card is via Dreamfolks.
  • Airport Concierge is the ‘Meet and Greet’ or ‘VIP Assistance’ service. The services include assistance across airport processes, such as check-in, security check, immigration processes, and porter services.

Key Benefits and Charges

  • Foreign Currency Markup: 3.5%+GST ~4.1%
  • Fuel Surcharge Waiver: 1% waiver for transactions between Rs 400 and Rs 4000

Final Thoughts

The Atlas credit card is not a regular rewards card. So, it would not be right to compare it with the likes of Infinia. Axis Atlas provides the maximum rewards and benefits for the Platinum tier. This needs Rs 15 Lakh spend in a membership year. But it would be difficult for most of us as we already have a better rewards primary card.

With the devaluation of Magnus, Axis Bank Atlas credit card deserves a second look. It is now one of the best from Axis Bank’s credit card offerings if you are into airmiles. Yes, we do not have GiftEdge or Grab Deals but the milestone and renewal benefits make up for it.

Frequently Asked Questions

Axis Bank Atlas Credit Card

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31 thoughts on “Axis Bank Atlas Credit Card”

  1. Ashutosh Poddar

    What is the reward rate on foreign currency transactions, is it same 2 EM per 100 or in case of foreign transactions it is 4 EM per 100

  2. Do we get Atlas Edge miles for payment made on the Adda app towards Apartment maintenance changes. Adda charges a 2.7% charge on credit card payment and it doesn’t support Diner/Amex, so only option is VISA/Master and I don’t want to give it 2.7% unless I can get 2% back from the card and also move towards spend based benefits

    1. Yes it should but is a hit or miss. If you don’t get it then it is a long follow up with customer care.

  3. Hi. I have the atlas card with me. But I did not receive any card from dreamfolks for international lounge access. Do I need to talk to the customer service team to get one? I thought international lounge access was through the same card.

    1. Card Maven

      Atlas gets lounge access through QR codes that can be generated on the mobile app.

      1. Are even Business and First Class Lounges accessible? For eg at DXB Ahlan Business and First Class Lounges are shown in the app? Do we get access to these or are there chances that the lounge staff may decline if you are traveling on economy tickets?

  4. Hi.
    Does the card give reward points on government transactions like paying electricity bill through government website ?
    And which card according to you is the best for such a transaction.


  5. Atlas also provides Edge miles while paying directly to HOTEL or booking HOTEL which is 5 miles per Rs 100. This needs an update.

  6. Anand Sancheti

    I am looking for a card to pay utility bill payments. My spend is more than 1lk rupees per month, if i get reward points on electric bill payments then using this card means 4% reward rate by far the best among all other cards. I just want to reconfirm that electric bill payments yield 2 points per 100 or not? I can achieve platinum tier also, does that mean 10k points for milestone and 10k for renewal?

  7. Hi,

    Can you elaborate on direct airlines/hotel spending. Does booking via OTA count as direct spending for Airlines and hotels?

  8. I think this page needs a relook. The edge mile is actually 2%. That means with partner transfer, one can get 4% value back. Why its written that its 1% for other spends?

  9. Sanjay R Sanghvi


    On Government spends like paying of Income Tax, are we eligible for 2 Edge Miles pe Rs. 100?

  10. Hi. I just received this card. I wanted to recheck if the miles earned on other spends are 2 miles per 100 Rs or 1 mile per 100 Rs. Also, will I receive miles if I pay rent with this card? I am not bothered about the milestone benefits for now.

    1. Card Maven

      2 miles per Rs 100

      Yes, you should get it on rent too as there is no exclusion right now.

    1. Launched but applications not open yet. It should be available in March 1st week for applying.

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