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Axis Bank · Premium · premium

Axis Bank Atlas Credit Card

Source-traced to issuer Verified 2026-07-25
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at axisbank.com — if a different card is shown first, use its card selector to pick this one.

Overview

Mid-tier flyers chasing partner mile redemptions

Best for

  • Best mid-tier travel transfer card.
  • Tier hacking via category spends.
  • Couples / family travel.

Not ideal for

  • 3.5% forex.
  • Lounge caps reduced post-2024.

Fees

Joining fee

₹5,000 (plus GST).

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Annual / renewal fee

₹5,000 (plus GST).

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Fee waiver

  • No spend-based annual fee waiver for Atlas (waiver column shows '-').
  • Rent, Wallet load and other transactions are not eligible for spends counted in availing annual fee waiver.

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Rewards

  • Welcome/base value: 1 EDGE Mile = ₹1.
  • Earn 5 EDGE Miles per ₹100 spent on Travel (Axis Travel EDGE Portal, direct airline and direct hotel spends).
  • Earn 2 EDGE Miles per ₹100 on other eligible spends (for transactions on/after 20 Dec 2022; 1 EDGE Mile per ₹100 before that date).
  • Bookings via travel agents/OTAs earn only 2 EDGE Miles per ₹100 (base earn).

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Redemption value

  • 1 EDGE Mile = ₹1.
  • EDGE Miles can be redeemed for booking flights, hotels & experiences via the Axis Bank Mobile app or traveledge.axisbank.co.in, or converted into partner Miles under the Miles Transfer Program.
  • EDGE Miles credited cannot be en-cashed.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Reward cap

  • 5 EDGE Miles per ₹100 on Travel EDGE, airline and hotel merchants is capped at cumulative transactions of ₹2,00,000 per month.
  • Above ₹2,00,000 per month you earn 2 EDGE Miles per ₹100.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Reward exclusion

Gold/JewelleryRentInsuranceGovernment InstitutionsUtilities and TelecomFuelWallet

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Travel & lounge

Lounge access

  • Domestic lounge visits: Silver 8, Gold 12, Platinum 18.
  • International lounge visits: Silver 4, Gold 6, Platinum 12.
  • Visits include primary cardholder and guests.
  • Access on first come first serve basis.
  • Swipe card at lounge for access.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • 2500 EDGE Miles credited on successful completion of 1 transaction on the card within 37 days from date of card issuance (for cards sourced from 20 April 2024 onwards; applicable only for paid cards).
  • For cards sourced 20 Dec 2022-20 Apr 2024: 5000 EDGE Miles on 1 transaction within 30 days.
  • For cards before 20 Dec 2022: 5000 EDGE Miles on 3 transactions within 60 days.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Golf

NA.

Dining

15-25% off via EazyDiner / Dineout (Axis Dining Delights).

Insurance

  • Air accident ₹2.5 Cr.
  • Purchase protection ₹1L.

Fuel surcharge

1% waiver, max ₹400/month (₹400-4,000 txns).

Hotel

Accor Plus Traveller membership on tier upgrade.

Airline

Direct travel partners across 20+ airlines/hotels · Tier-based bonus miles.

Milestones

Silver: 2,500 miles on ₹3L · Gold: +5,000 miles on ₹7.5L · Platinum: +10,000 miles on ₹15L.

Redemption highlights

1 EDGE Mile ≈ ₹1 on partner transfer · 2:1 to KrisFlyer / Marriott / Accor.

Last reviewed 2026-05-21 — confirm on official page

Milestone benefit

  • Milestone EDGE Miles on annual spends: 2500 EDGE Miles at ₹3,00,000.
  • Additional 2500 at ₹7,50,000.
  • Additional 5000 at ₹15,00,000 (up to 10,000 total).
  • Spends exclude rent/wallet (from 5th March 2023) and Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities and Telecom (w.e.f. 20th April 2024).
  • Credited within 30 days of achievement.
  • Also: Annual (renewal) benefit of 2500 EDGE Miles for Gold tier and 5000 for Platinum tier on payment of the annual fee.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Statement credit

  • Annual Benefit: EDGE Miles credited on successful payment of the card annual fee of ₹5000 + GST, by tier - Silver: nil.
  • Gold: 2500 EDGE Miles.
  • Platinum: 5000 EDGE Miles.
  • Credited within 30 days from annual fee payment date.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Eligibility

Eligibility

  • Tier-based program: new cardholder starts in Silver.
  • Upgraded to Gold on card spends of ₹7.5 lacs in an anniversary year.
  • Upgraded to Platinum on card spends of ₹15 lacs in an anniversary year.
  • Tier evaluated at beginning of each anniversary year based on previous year spends (tier spend threshold excludes Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities and Telecom from 20th April 2024).

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Charges & interest

Forex markup

  • Foreign Transaction Fee: 3.5% of Transaction Amount (Atlas falls under 'all other credit cards').
  • Dynamic Currency Conversion markup: 1.5% of Transaction Amount.

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Charge

  • Interest Rate: 55.55% p.a. | Cash Withdrawal Fee: 2.5% of cash amount (Min ₹500) | Cash Withdrawal Limit: 30% of Credit Limit | Late Payment Fee: Nil if <₹500.
  • ₹500 for ₹501-5,000.
  • ₹750 for ₹5,001-10,000.
  • ₹1,200 for >₹10,000.
  • Plus additional ₹100 on missing MAD for two consecutive cycles | Over-limit Fees: 2.5% of over-limit amount (Min ₹500) | Fees for Cash Payment at Branches: ₹175 | Cheque Return/Dishonour/Auto Debit Reversal: 2% of payment amount, Min ₹500 | Rent Transaction Fee: 1% of each rental transaction | Education Transaction Fee: 1% on education payments via third party apps | Wallet Load Transaction Fee: 1% on cumulative wallet loads of ₹10,000+ per statement cycle | Fuel Transaction Fee: 1% on cumulative fuel spends of ₹50,000+ per statement cycle | Utility Transaction Fee: 1% on cumulative utility spends of ₹25,000+ per statement cycle | Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000+ per statement cycle | Foreign Transaction Fee: 3.5% | Dynamic Currency Conversion markup: 1.5% | All charges exclusive of GST.

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Fuel surcharge waiver

  • Fuel Transaction Surcharge: 1% of transaction amount.
  • Note: for Atlas Credit Card the surcharge refund is not listed among the cards receiving a waiver.
  • A Fuel Transaction Fee of 1% applies on cumulative fuel spends of ₹50,000 or more per statement cycle.

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Interest-free period

Interest-free grace period ranges from 20 to 50 days, depending on the date of transaction.

Verified · Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas) · 2026-07-25 · source

Transfers

Transfer partner

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Transfer rule

  • Total EDGE Miles transferable to Partner Points capped at 1,50,000 per customer ID per calendar year.
  • Partners split into Group A (max 30,000 EDGE Miles/customer ID/year) and Group B (max 1,20,000 EDGE Miles/customer ID/year).
  • Dynamic conversion ratios apply.
  • For 2024 capping applied 20th Apr 2024 - 31st Dec 2024.
  • From 2025 onwards 1st Jan - 31st Dec.

Verified · Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions · 2026-07-25 · source

Verified transfer partners

Where your Edge Miles can go today

Only partners with a current official Axis Bank or partner-airline source are shown as available. Everything else is hedged or blocked so you never transfer on stale information.

Etihad Guest

Verified active

1 EDGE Mile = 2 Etihad Guest miles (official).

Officially verified Axis Atlas transfer path to Etihad Guest. Confirm partner status and award availability before transferring.

Last checked: 2026-06-01

Official source: Etihad Guest — Axis Bank partner page (lists Atlas at 1 EDGE Mile = 2 Partner Miles)

View partner details

Singapore Airlines KrisFlyer

Verified active

1 EDGE Mile = 2 KrisFlyer miles (official).

Officially verified Axis Atlas transfer path to Singapore Airlines KrisFlyer. Confirm award availability before transferring.

Last checked: 2026-06-01

Official source: Axis Bank — Points/Miles Transfer Program

View partner details

United MileagePlus

Verified active

1 EDGE Mile = 2 MileagePlus award miles (official).

Officially verified Axis Atlas transfer path to United MileagePlus. Confirm partner status and award availability before transferring.

Last checked: 2026-06-01

Official source: United MileagePlus — credit card transfer page (India / Axis Bank / Atlas)

View partner details

Not currently verified

Partners we will not show confidently

These partners are paused, removed, or lack current official evidence on the Axis Bank transfer page. We do not use blogs, forums, or archive snapshots for verification.

ALL — Accor Live Limitless

Temporarily unavailable

Axis → ALL Accor transfers are listed by Accor with Atlas ratio metadata, but Accor currently says transfers are temporarily unavailable. Verify in the official portal before planning.

Last checked: 2026-06-01

Air Canada Aeroplan

Not officially verified

Not currently listed as a live Axis Atlas transfer partner on official Axis or Aeroplan pages.

Last checked: 2026-06-01

Air France-KLM Flying Blue

Not officially verified

Not currently listed as a live Axis Atlas transfer partner on official Axis or Flying Blue pages.

Last checked: 2026-06-01

Marriott Bonvoy

Not officially verified

Not currently listed as a live Axis Atlas transfer partner on official Axis or Marriott pages.

Last checked: 2026-06-01

Qatar Airways Privilege Club (Avios)

Not officially verified

Not currently listed as a live Axis Atlas transfer partner on official Axis or Qatar Airways pages.

Last checked: 2026-06-01

Decision flow

Should I transfer my Atlas Credit Card Edge Miles?

An official-source verification check — calculates only against officially verified transfer ratios. We never invent award prices.

Whole numbers up to 1,000,000.

Only officially verified partners are listed.

My goal
Award availability confirmed?

Verified official transfer

10,000Edge Miles20,000Etihad Guest miles

Ratio: 1:2 · Last checked: 2026-06-01

Official source: Etihad Guest — Axis Bank partner page (lists Atlas at 1 EDGE Mile = 2 Partner Miles)

Do not transfer yet. Confirm award availability on the partner's own site before moving any Edge Miles. Transfers are one-way and cannot be reversed.

We do not show a confident redemption cash value here — award pricing varies by route, date, and cabin. Check the official partner booking flow for the exact miles cost.

Flight goal — transfer ratio shown only for officially verified airline partners.

Common questions

What is the annual fee on the Axis Bank Atlas Credit Card?

Officially traced: Rs. 5,000 (plus GST).

Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)

What is the joining fee on the Axis Bank Atlas Credit Card?

Officially traced: Rs. 5,000 (plus GST).

Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)

Is the Axis Bank Atlas Credit Card annual fee ever waived?

No spend-based annual fee waiver for Atlas (waiver column shows '-').

Key Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)

How does the Axis Bank Atlas Credit Card earn rewards?

Welcome/base value: 1 EDGE Mile = Rs. 1.

Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions

What lounge access does the Axis Bank Atlas Credit Card include?

Domestic lounge visits: Silver 8, Gold 12, Platinum 18.

Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions

What welcome benefit does the Axis Bank Atlas Credit Card offer?

2500 EDGE Miles credited on successful completion of 1 transaction on the card within 37 days from date of card issuance (for cards sourced from 20 April 2024 onwards; applicable only for paid cards).

Atlas Credit Card Features / Rewards (EDGE Miles) Terms & Conditions

What are the transfer ratios for Axis Bank Atlas Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageKey Fact Statement (Schedule of Charges) - Axis Bank Credit Cards (covers Atlas)Atlas Credit Card Features / Rewards (EDGE Miles) Terms & ConditionsAxis Bank Atlas Credit Card product page

Official terms

https://www.axisbank.com/retail/cards/credit-card/axis-bank-atlas-credit-card.

Verified · Axis Bank Atlas Credit Card product page · 2026-07-25 · source

Verified 2026-07-25 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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