Axis Bank Atlas Credit Card
Axis Atlas is a premium travel-focused credit card that rewards you with Edge Miles on everyday spends and accelerated earnings on travel bookings. These miles can be transferred to leading airline and hotel loyalty programs, making it ideal for frequent travelers who want flexibility and premium travel benefits.
- Issuer
- Axis Bank
- Card type
- Rewards Card
- Category
- Travel
- Joining fee
- ₹5,000 + GST
- Annual fee
- ₹5,000 + GST
- Rewards currency
- EDGE Miles
Highlights
- 1 EDGE Mile = 2 partner miles (2:1 for Marriott Bonvoy)
- 4% value back on everyday spending (≈8% via Accor)
- 10% value back when booking direct with hotels & airlines or Axis Travel EDGE (≈20% via Accor)
- Strong milestone perks for high spenders
Welcome, annual & renewal benefits
- Welcome benefit of 2,500 EDGE Miles when you pay the annual fee and make the first transaction
- There is no renewal fee waiver but you get renewal benefits on reaching certain spend thresholds
2,500 EDGE Miles are valued at a minimum ₹5,000. If transferred to Accor the value jumps to ₹10,000. This more than compensates for the joining fee.
Renewal miles by tier
| Tier | Miles each renewal |
|---|---|
| Silver | No renewal miles |
| Gold | 2,500 EDGE Miles |
| Platinum | 5,000 EDGE Miles |
Eligibility
- Annual Income greater than ₹12,00,000
Reward earning
EDGE Miles stack quickest when travel bookings flow through Axis Travel EDGE or direct airline and hotel channels.
| Spend type | Earn rate | Notes |
|---|---|---|
| Axis Travel EDGE, airlines & hotels | 5 EDGE Miles / ₹100 | Bonus applies up to ₹2,00,000 spend per month, thereafter 2 Miles / ₹100 |
| Other eligible domestic & international spends | 2 EDGE Miles / ₹100 | Standard earn rate |
- Exclusions: gold & jewellery, rent, wallet loads, government payments, insurance, fuel, utilities, telecom.
Redemption options
Redeem EDGE Miles for flights, hotels or experiences, or move them to airline and hotel partners when a sweet spot appears.
- Redeem on Travel Edge portal: 1 Edge Mile = ₹1
- Transfer to airline miles at 1 Edge Mile = 2 airline miles
- Transfer to hotel points at 1 Edge Mile = 2 hotel points (except Marriott, which is 2:1)
| Limit type | Value |
|---|---|
| Annual Miles transfer limit | 1,50,000 EDGE Miles |
| Group A partners | 30,000 EDGE Miles each year |
| Group B partners | 1,20,000 EDGE Miles each year |
Milestone boosts
Hit these spends inside your card anniversary year to unlock extra EDGE Miles.
- Tier qualification and milestone tracking follow the card anniversary year.
| Spend in anniversary year | Bonus |
|---|---|
| ₹3,00,000 | 2,500 EDGE Miles |
| ₹7,50,000 | Additional 2,500 EDGE Miles |
| ₹15,00,000 | Additional 5,000 EDGE Miles |
Tier progression
Atlas tiers unlock higher lounge quotas and milestone earning.
- If you miss the spend target in the next cycle the tier downgrades.
| Tier | Spend to unlock |
|---|---|
| Silver | Entry tier |
| Gold | ₹7,50,000 |
| Platinum | ₹15,00,000 |
Lounge access
| Tier | Domestic visits | International visits |
|---|---|---|
| Silver | 8 per year | 4 per year |
| Gold | 12 per year | 6 per year |
| Platinum | 18 per year | 12 per year |
- Accor is the sweet spot for redemption with 8% base redemption value.
- Exceptional returns when swiping directly at hotels and airlines, both online and offline.
- Travel aggregators like MakeMyTrip and Goibibo do not earn accelerated EDGE Miles
Review and Use Case
This is 1 gem of a card. 4% bases reward rate(~8% accor) is just too good considering it is not a super premium card.
Joining fee of ₹5000 is completly justified and welcome benefits easily compensates for it. Annual Milestone benefits have also been setup very nicely.
Sadly Axis has stopped issuing this card. If you have it keep hold of it.
- Best card for paying directly on hotel and airline websites(offline as well)
- Good card for offline spending(do check for exclusions).
Program notes
- EDGE Miles are not encashable.
- Tier spend exclusions mirror the earning exclusions.
- Track spends on a card-anniversary basis for milestone evaluation.