Axis Bank Atlas Credit Card
Axis Bank
Airline-agnostic miles for frequent travellers who don't want to be locked into one loyalty program.
₹5,000
Joining fee
₹5,000
Annual fee
None — no spend-based waiver available (official).
3.5%
Forex markup
4.3 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Income aggregator-sourced (Paisabazaar, not officially confirmed): salaried Rs 12 lakh+ p.a.; self-employed Rs 15 lakh+ p.a.
Lounge access
Note: Tier downgrade occurs if spend thresholds are not maintained in the subsequent year (official).
Name: Silver (entry, no spend threshold)
Domestic Per Year: 8
International Per Year: 4
Name: Gold (reached at Rs 7.5 lakh spend in the anniversary/card year)
Domestic Per Year: 12
International Per Year: 6
Name: Platinum (reached at Rs 15 lakh spend in the anniversary/card year)
Domestic Per Year: 18
International Per Year: 12
Key features
- 5 EDGE Miles/₹100 on travel spends
- Tiered Silver/Gold/Platinum lounge access
- Miles transfer to airline/hotel partners
Reward details
2 EDGE Miles per Rs 100 on all other eligible spends
- 5 EDGE Miles per Rs 100 on Travel spends — Rs 2,00,000 of travel spend per month
- 2 EDGE Miles per Rs 100 on Travel-agent spends
Welcome bonus: 2,500 EDGE Miles after 1 transaction within 37 days of card issuance (for cards issued from 20 April 2024)
- Rs 3 lakh annual spend: 2,500 miles
- Rs 7.5 lakh annual spend: additional 2,500 miles
- Rs 15 lakh annual spend: additional 5,000 miles
Redemption
1 EDGE Mile = 2 airline/hotel partner points across 20+ transfer partners.
Ratio: 1:2 (EDGE Mile to partner point)
Caps: Annual transfer cap of 1.5 lakh miles, split Group A (30,000/year) and Group B (1,20,000/year) (aggregator-sourced); Rs 99 fee to redeem via EDGE portal, Rs 199 to convert to a partner loyalty program.
Excluded from rewards: gold/jewellery, rent, wallet loads, government institution payments, insurance, fuel, utilities, telecom, gift cards, toll/bridge/road fees
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Strong ~1:2 mile-transfer ratio across 20+ airline/hotel partners; airline-agnostic flexibility; competitive lounge access at higher tiers — Paisabazaar/CardInsider
Complaints
- High annual fee (Rs 5,000) with no waiver route; 3.5% forex markup high for a travel-positioned card; 5x travel earn rate capped at Rs 2 lakh/month; per-redemption fees (Rs 99/Rs 199); tier/cap structure described as complicated — Paisabazaar
Sources
- Official — fees, forex
- Official — rewards, lounge, T&C
- Aggregator — eligibility, redemption caps, sentiment