Axis Bank Atlas Credit Card
Axis Bank · Visa · Premium card
Designed for users who can make effective use of accelerated travel rewards and airline or hotel transfer partners.
Frequent flyers, business travelers and luxury hotel stayers spending ₹50,000+ monthly.
Terms checked 14 Sept 2026
- Annual fee
- ₹5,000 + GST
- Joining fee
- ₹5,000 + GST
- Base reward rate
- 2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 2% |
| International spending | 2% |
| Dining & delivery | 2% |
| Online shopping | 2% |
| Groceries & essentials | 2% |
| Offline store shopping | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Subscriptions & streaming | 2% |
| Healthcare & pharmacy | 2% |
| Other miscellaneous | 2% |
| Bills & utilities | 0% |
| Fuel & commute | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
| Education & family | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Approx. ₹1,00,000/month salaried · ₹1,25,000/month self-employed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
8 domestic airport lounge visits per year · Issuer card
Guest access: Not specified
Silver-tier allowance; higher tiers receive 12 or 18.
4 international airport lounge visits per year · Priority Pass
Guest access: Not specified
Silver-tier allowance; higher tiers receive 6 or 12. Issuer international terms were marked under maintenance at review.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Direct airline and hotel EDGE Miles
Usage-based value5 EDGE Miles per ₹100 applies to direct airline or hotel bookings on the first ₹2 lakh of eligible travel spend each month; 2 per ₹100 applies above it.
Conditions: 5 EDGE Miles per ₹100 applies to direct airline or hotel bookings on the first ₹2 lakh of eligible travel spend each month; 2 per ₹100 applies above it.
Travel EDGE Miles
Usage-based value5 EDGE Miles per ₹100 applies through Travel EDGE on the first ₹2 lakh of eligible travel spend each month; 2 per ₹100 applies above it.
Conditions: 5 EDGE Miles per ₹100 applies through Travel EDGE on the first ₹2 lakh of eligible travel spend each month; 2 per ₹100 applies above it.
Other eligible EDGE Miles
Usage-based value2 EDGE Miles per ₹100 applies to other eligible spend.
5 EDGE Miles per ₹100 on direct airline, direct hotel and Travel EDGE bookings, capped at ₹2 lakh eligible travel spend per month
Shown without a cash value2 EDGE Miles per ₹100 on other eligible spend; partner conversion varies and Marriott is not 1:2
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹5,000₹5,000 annual fee before applicable tax.
Joining fee
Cost ₹5,000₹5,000 one-time joining fee before applicable tax.
Welcome benefits · 1 item
2,500 EDGE Miles
Recorded value ₹2,500Welcome EDGE Miles at the issuer currency value of ₹1 per Mile.
Conditions: Complete the first transaction within 37 days · Subject to current Atlas welcome-benefit eligibility
Spend milestones · 3 items
Journey milestone at ₹3 lakh
2,500 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Journey milestone at ₹7.5 lakh
2,500 reward unitsUnlocked after ₹7,50,000 of eligible spending.
Conditions: Reach ₹7,50,000 per card anniversary year
Journey milestone at ₹15 lakh
5,000 reward unitsUnlocked after ₹15,00,000 of eligible spending.
Conditions: Reach ₹15,00,000 per card anniversary year
Card tiers · 3 items
Silver card tier
Usage-based value8 domestic and 4 international lounge visits; 0 renewal reward units.
Conditions: Base card tier
Gold card tier
2,500 reward units12 domestic and 6 international lounge visits; 2,500 renewal reward units.
Conditions: Reach ₹7,50,000 eligible annual spending
Platinum card tier
5,000 reward units18 domestic and 12 international lounge visits; 5,000 renewal reward units.
Conditions: Reach ₹15,00,000 eligible annual spending
Airport lounge access · 2 items
Domestic lounge access
Usage-based value8 visits per year through Issuer card. Guest access: not specified. Silver-tier allowance; higher tiers receive 12 or 18.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: not specified. Silver-tier allowance; higher tiers receive 6 or 12. Issuer international terms were marked under maintenance at review.
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Thresholds are derived from published annual income requirements of ₹12 lakh and ₹15 lakh.
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Movies and entertainment
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Details not yet availableNo structured presence-or-absence decision is recorded for this category.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 5 EDGE Miles per ₹100 on direct airline, direct hotel and Travel EDGE bookings, capped at ₹2 lakh eligible travel spend per month
- ✓ 2 EDGE Miles per ₹100 on other eligible spend; partner conversion varies and Marriott is not 1:2
- ✓ Generous domestic and international airport lounge access with guest privileges
- ✓ Tier upgrades (Silver, Gold, Platinum) with large milestone Edge Mile drops
What to watch
No annual-fee waiver is published. Renewal miles and lounge allowances depend on the achieved Atlas tier; international lounge terms were marked under maintenance at review.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Bills Utilities · Insurance · Government payments · Gold Jewellery · Jewellery · Gift cards · Tolls · Education Family
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 14 Sept 2026