Axis Bank Atlas Credit Card

Annual feeRenewal fee

₹5,000 a year.

Joining fee

₹5,000 to join.

Add-on card fee

₹0Nil

Welcome benefit

Enjoy 2500 EDGE Miles as welcome benefit upon first transaction on your ATLAS credit card within 37 days from the date of card issuance

Reward rate

2 EDGE Miles per ₹100 · everyday spendsBase earn of 2 EDGE Miles per ₹100 spent.

EMI spend earning

Reward points and EDGE Miles earned on a transaction are reversed when it is converted to EMI; if the EMI is cancelled they are not credited back.

Fuel earning

Fuel spends are excluded from EDGE Miles earn

Government spend earning

Government institution spends are excluded from EDGE Miles earn

Insurance spend earning

Insurance spends are excluded from EDGE Miles earn

Rent earning

Rent spends are excluded from EDGE Miles earn

Travel earning

Accelerated earn of 5 EDGE Miles per ₹100 spent on TRAVEL EDGE portal, direct airlines and direct hotel spends.

Utilities earning

Utilities and Telecom spends are excluded from EDGE Miles earn

Wallet load earning

Wallet spends are excluded from EDGE Miles earn

Reward exclusions

Spends done on gold/ jewellery, rent, wallet, government institution, insurance, fuel, Utilities, Telecom, Gift cards and fee related to tolls, bridges & road will be excluded from EDGE Miles earn

Reward caps

5 EDGE Miles per ₹100 spent will be capped at 2 lakh spends per month.

What one reward unit is worthCatalogue redemption

1 EDGE Mile is equal to ₹1.

Cashback redemption

EDGE Miles credited cannot be en-cashed.

Flight redemption

EDGE Miles can be redeemed for booking flights (also hotels & experiences) by logging into the Axis Bank Mobile app.

Hotel redemption

EDGE Miles can be redeemed for booking hotels (also flights & experiences) by logging into the Axis Bank Mobile app.

Points transfer redemption

Group A transfer partners: Accor Live Limitless, Air Canada Aeroplan, Ethiopian Airlines, Etihad Guest, Japan Airlines JAL Mileage Bank, Marriott Bonvoy, Qatar Airways, Singapore Airlines Krisflyer, Turkish Airlines, Thai Airways Royal Orchid Plus, United Airlines MileagePlus, Wyndham Rewards.

Redeeming points for travel

EDGE Miles can be redeemed for booking flights, hotels & experiences by logging into the Axis Bank Mobile app (Book Now in the EDGE Miles dashboard) or https://traveledge.axisbank.co.in/.

Airline and hotel partners points may move to

1 EDGE Mile = 2 Partner Points (except Marriott where 2 EDGE Miles = 1 Marriott Bonvoy Point); capped to 1,50,000 EDGE MILES per customer ID in a calendar year.

Points transfer redemption

Maximum of 30,000 EDGE Miles per customer ID to Group A partners and maximum of 1,20,000 EDGE Miles per customer ID to Group B partners in a calendar year

International lounge access

4 international lounge visits on the Silver tier, 6 on the Gold tier and 12 on the Platinum tier; visits include primary cardholder and guests; the international lounge program is under maintenance

Domestic lounge access

8 domestic lounge visits on the Silver tier, 12 on the Gold tier and 18 on the Platinum tier; visits include primary cardholder and guests

Milestone benefits

Spends Milestone ₹3,00,000: 2500 EDGE Miles; ₹7,50,000: additional 2500; ₹15,00,000: additional 5000.

Renewal benefit

Get upto 5,000 EDGE Miles on completion of a year, upon successful payment of the card annual fee of ₹5000 + GST (silver -, gold 2,500, platinum 5,000)

Benefit given each anniversary year

Special anniversary gift of upto 5,000 EDGE Miles on completion of a year, credited on successful payment of the annual fee of ₹5000 + GST (Silver tier -, Gold tier 2,500, Platinum tier 5,000)

Membership tiers and what unlocks them

Tier is valid for an anniversary year and is evaluated at the beginning of each anniversary year on the basis of the previous year card spends

Membership tiers and what unlocks them

Gold tier on hitting ₹7.5 lakh of spends in an anniversary year; platinum tier on spending beyond ₹15 lakh

Retention or continued-access criteria

Tier is valid for an anniversary year; if the tier threshold is not achieved in the next anniversary year, the existing tier gets downgraded

Fuel surcharge waiver

1% fuel surcharge waiver

Add-on card eligibility

Add-on cardholder should be over 18 years.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on international transactions performed in Indian currency at an international location or with merchants located in India but registered in a foreign nation, revised w.e.f 21st August 2026

Cash advance fee

2.5% (Min. ₹500) of the cash amount.

Cash advance interest

3.75% per month (55.55% per annum) finance charges on cash and retail purchases.

Cash withdrawal limit

The cash advance limit assigned to the cardholder is lower than the credit limit and is included within the overall credit limit

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if total payment due is up to ₹500; ₹500 if total payment due is between ₹501 and ₹5,000; ₹750 if total payment due is between ₹5,001 and ₹10,000; ₹1,200 if total payment due is between ₹10,001 and ₹50,000; ₹1,300 if total payment due is greater than ₹50,000

Over-limit fee

2.5% of the overlimit amount (Min. ₹500)

Payment return or dishonour fee

2% of the payment amount subject to min. ₹500 on cheque return, dishonour or auto-debit reversal

Statement or duplicate statement fee

Waived for a duplicate statement.

Card replacement fee

Nil

Cash payment / cash deposit fee

₹175 per cash payment

Cheque payment / dishonour fee

Outstation cheque fee: Waived

Education / school fee charge

1% fee on education payments made via third-party apps.

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Foreign ATM fee

Cash withdrawal fee at ATMs in India or overseas: 2.5% (Min. ₹500) of the cash amount.

Reward redemption fee

₹99 for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal; ₹199 for each instance of conversion/transfer to other miles partner loyalty programs.

Wallet load charge

1% fee on cumulative wallet load spends of ₹10,000 or more per statement cycle.

What the card's fee or benefit year means

Card anniversary year 1 runs from the card issuance date, for example issued 1st Jan 2022 and ending 31st Dec 2022

Fuel transaction fee

1% fee on cumulative fuel spends of ₹50,000 or more per statement cycle.

Rent transaction fee

1% on each rental transaction, applicable from 5th March 2023

Utility transaction fee

1% fee on cumulative utility spends of ₹25,000 or more per statement cycle.

GST note

Taxes as per Government norms apply on all fees and charges

Minimum amount due

Sum of all instalments, all fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of the remaining balance outstanding, subject to a minimum of ₹100

Age the primary cardholder must be

Primary cardholder should be between the age of 18-70 years (criteria are only indicative)

Income requirement

Salaried: Net annual income of ₹12 lakh and above; Self employed: Net annual income of ₹15 lakh and above.

Income, salaried

Salaried: net annual income of ₹12 lakh and above (criteria are only indicative)

Income, self-employed

Self employed: net annual income of ₹15 lakh and above (criteria are only indicative)

Minimum age

Primary cardholder should be between the age of 18-70 years.

Documents required

PAN card photocopy or Form 60; latest payslip / Form 16 / IT return copy as proof of income; residence proof (passport / driving license / electricity bill / landline telephone bill)

Residency

Resident of India