Axis Atlas Credit Card

Key Features & Benefits

The Axis Atlas Credit Card is tailored for avid travelers who seek to maximize their travel rewards and enjoy premium lifestyle perks. With accelerated EDGE Miles on every spend, especially 5X miles on airline and hotel bookings through Axis Bank Travel Edge, the card ensures you get more value out of your travel expenses. These miles can be redeemed for flights, hotel stays, and holiday packages, making your journeys more rewarding. Additionally, the card offers milestone bonuses when you reach high annual spending thresholds, further enhancing your rewards potential.

Beyond rewards, the card provides practical travel perks including up to 12 complimentary airport lounge visits annually—8 domestic and 4 international—offering comfort and convenience at airports. Tiered lounge access based on spending levels ensures frequent travelers get to enjoy this benefit regularly. The card also comes with robust protection features and insurance coverage to safeguard your travels. Designed for premium users who spend heavily on travel and luxury experiences, the Axis Atlas Credit Card seamlessly blends reward-rich opportunities with valuable travel conveniences and safety nets.

All You Need to Know About: Axis Atlas Credit Card

The Axis Atlas Credit Card is a premium travel rewards card offered by Axis Bank with a Mastercard network. It has a joining fee and annual fee of ₹5,000 each plus GST, with no lifetime free fee option available. The card offers robust travel rewards, including 5 EDGE Miles per ₹100 spent on airline and hotel bookings through Axis Bank Travel Edge up to ₹2 lakh per month, and 2 EDGE Miles per ₹100 on other spends. Milestone benefits of up to 5,000 EDGE Miles are awarded on annual spends of ₹7.5 lakh and ₹15 lakh, enhancing the rewards for high spenders.

Cardholders receive up to 12 complimentary airport lounge visits per year, with 8 domestic and 4 international lounge visits included. Lounge access is tiered based on annual spending, providing more benefits to those who spend more. The card also offers travel protection and insurance, making it a valuable companion for frequent travelers seeking both rewards and safety. A 1% foreign exchange markup fee applies to international transactions.

Additional fees include cash withdrawal fees of 2.5% with a minimum charge of ₹500. Fuel surcharge waiver is provided on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. The card charges an interest rate of approximately 3.75% per month on revolving balances, making it essential for users to clear dues promptly. With its focus on travel rewards and premium perks, the Axis Atlas Credit Card is ideal for users with significant travel expenses seeking luxury benefits.

Pros & Cons

How to Apply

1. Visit the official Axis Bank credit card webpage for the Atlas Card.

2. Click on the “Apply Now” button on the card’s page.

3. Fill in your personal details such as name, mobile number, and PAN in the online application form.

4. Submit the form and await approval. Once approved, your card will be delivered to your registered address.

Detailed Fee Structure

The Axis Bank Atlas Credit Card carries a joining fee and annual renewal fee of ₹5,000 each plus GST, totaling approximately ₹5,900 per fee cycle. There is no lifetime free option, and no standard annual fee waiver is offered. However, cardholders receive renewal benefits of EDGE Miles based on their membership tier—Silver, Gold, or Platinum—which depend on annual spending.

Interest rates are high at around 3.75% per month (approximately 52.86% per annum) on revolving credit balances. Cash withdrawals incur a fee of 2.5% (minimum ₹500). The card includes a fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle. A foreign currency markup fee of 1% applies to international transactions. No add-on card fees apply. This transparent fee structure ensures premium travel rewards with predictable costs for card users.

Who Should Get This Card?

The Axis Atlas Credit Card is ideal for frequent travelers and business professionals who spend heavily on flights and hotels, seeking to maximize travel rewards through accelerated EDGE Miles. It suits individuals looking for premium travel perks like airport lounge access and milestone benefits tied to high annual spending. This card is best for users who can comfortably manage the high joining and annual fees to unlock valuable travel conveniences and exclusive rewards. It is less suited for casual or low spenders due to its fee structure. 

Alternatives & Competitor Comparison

Feature	Axis Atlas Credit Card	IDFC Mayura Card
Card Image
Card Network	Mastercard, Visa	Mastercard
USP	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.	The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience.
Annual Fee	5000 +GST	5999 +GST
Joining Fee	5000 +GST	5999 +GST
Welcome Benefits	2,500 EDGE miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.	cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation
Lounge Access	Domestic: 2 per quarter | International: 1 per quarter	Domestic: 4 per quarter | International: 4 per quarter On spends of ₹20,000+ in the last month | 1 complimentary guest visit per year
Reward Rate	5 EDGE miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE miles per ₹100 on all other spends.	10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities.
Interest Rate	3.49% per month (around 42% per annum)	0.75% to 3.99% per month (approximately 9% to 48% per annum)
Best For	Lounge Access, Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions