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Axis Bank Atlas Credit Card

Axis Bank

Axis Bank Atlas Credit Card

Data last verified: 24 October 2026

TravelMASTERCARDPriority Pass
  • Joining fee₹5,000 + GST
  • Annual fee₹5,000 + GST
  • Reward rate4% on most spends; 10% only at partner merchants
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  • Joining fee₹5,000 + GST
  • Annual fee₹5,000 + GST
  • Forex markup3.5%
  • Interest (APR)3.75% a month, 45% a year
  • Fuel surcharge waiver1%
  • Fuel waiver cap₹400 a month

01Axis Bank Atlas Credit Card Rewards and Benefits

Rewards rate
4% on most spends; 10% only at partner merchants
Reward redemption
Not published
Dining
4% back (the normal rate)
Travel
10% back only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters; other travel: 4% back (the normal rate)
Golf
Not included
Domestic lounge
Not included
International lounge
Not included
Insurance benefits
Not included

02Axis Bank Atlas Credit Card Annual Fee and Charges

Joining fee
₹5,000 + GST
Annual fee
₹5,000 + GST
Spend-based waiver
None
Rewards redemption fee
Nil
Forex markup
3.5%
Interest rate
3.75% a month (45% a year)
Fuel surcharge waiver
No
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹20,000 on everything else, earning 4%₹800
  • Back each month, ₹9,600 a year₹800
  • Annual fee with 18% GST−₹5,900
  • In your pocket each year₹3,700

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

  • Travel only at Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: 10% back, up to ₹20,000 a month
  • Flyers: some airport lounge visits a year

Skip it if…

  • you spend less than ₹12,500 a month: below that the ₹5,900 fee costs more than the rewards
  • most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on Axis Travel EDGE portal,airline websites & counters,hotel websites & counters: the 10% rate applies only there, everything else earns 4%
  • you often pay in foreign currency: 3.5% is added to every foreign spend
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How Axis Bank Atlas Credit Card earns Rewards

4% on most spends; 10% only at partner merchants.

Earns nothing onRentFuelUtility billsInsuranceGovernmentWallet loadsTollsGold and jewelleryGift cards

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI
Online shopping4%No capThe card's normal rate
Dining and food delivery4%No capThe card's normal rate
Groceries4%No capThe card's normal rate
Travel: flights, hotels, trains4%No capAnywhere else in the category
Travel: flights, hotels, trains, only at listed merchants10%₹20,000Only at: Axis Travel EDGE portal,airline websites & counters,hotel websites & countersTerms: 5 EDGE Miles per ₹100 on Axis Travel EDGE and on direct airline/hotel bookings, capped at ₹2 lakh of such spend a calendar month; above the cap, and on online travel agencies, the rate falls to the base 2 per ₹100.
FuelEarns nothing-earns nothing on this card
Bills and rechargesEarns nothing-earns nothing on this card
RentEarns nothing-earns nothing on this card
Insurance premiumsEarns nothing-earns nothing on this card
School and college fees4%No capThe card's normal rate
Wallet top-upsEarns nothing-earns nothing on this card
Taxes and government paymentsEarns nothing-earns nothing on this card
Spend abroad or in a foreign currency4%No capThe card's normal rate
Everything else4%No capThe card's normal rate

Listed underTravel cardsPremium cards

CardAdvisor tagsTravelAirline miles

Terms on the base rate. 2 EDGE Miles per ₹100 on all other spends, domestic and international alike.

Point value. 1 point is worth about ₹2 at the bank's stated value.

05Axis Bank Atlas Credit Card Travel Benefits

Tier-based visits by annual spend (Silver 8 dom + 4 intl, Gold 12 + 6, Platinum 18 + 12). Two rare strengths: no quarterly-spend gate to unlock access, and guests enter against your remaining balance with no per-guest cap. Not a Priority Pass card. Spending abroad carries a 3.5% forex markup; rewards on it: 4% back (the normal rate). See what it costs on your trip

Also on the card. airport lounge access, milestone bonuses.

  • Milestone bonuses: 2,500 EDGE Miles when eligible annual spend reaches ₹3 lakh
  • Milestone bonuses: A further 2,500 EDGE Miles when eligible annual spend reaches ₹7.5 lakh
  • Milestone bonuses: A further 5,000 EDGE Miles when eligible annual spend reaches ₹15 lakh (10,000 total)
  • Milestone bonuses: Gold tier anniversary gift of 2,500 EDGE Miles, credited when the annual fee is paid after ₹7.5 lakh of eligible spend in the anniversary year
  • Milestone bonuses: Platinum tier raises the anniversary gift by 2,500 to 5,000 EDGE Miles, credited when the annual fee is paid after ₹15 lakh of eligible spend in the anniversary year

06Axis Bank Atlas Credit Card Eligibility and Documents

Age
18 to 70 years
Employment
Salaried or self-employed
Minimum monthly income
₹1,00,000

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

07Recent Changes

What Axis Bank changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
22 Sept 2026Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis BankAccor ALL unavailable since 2 April 2026Accor ALL back, in Group A
22 Sept 2026Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis BankNone of the three availableAsia Miles in Group A; Miles & More and Hilton Honors in Group B
22 Sept 2026Reduced: Club ITC removed as a transfer partnerSource: Axis BankClub ITC availableClub ITC removed
22 Sept 2026Reduced: Flying Blue, Air India and Qantas moved into the smaller Group A transfer capSource: Axis BankGroup B (the larger annual transfer allowance)Group A (a quarter of the Group B allowance); ratios unchanged
28 Aug 2026Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank1.5% + GST3.5% + GST

See this card's change history → · All card changes in September 2026 →

08Cards Similar to Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureAxis Bank Atlas Credit CardAxis Bank Atlas Credit CardFederal Scapia Credit cardFederal Scapia Credit cardIDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit Card
Joining fee₹5,000 + GSTLifetime freeLifetime free
Annual fee₹5,000 + GSTLifetime freeLifetime free
Rewards4% on most spends; 10% only at partner merchants2% on most spends; 4% only at partner merchants0.38% base, up to 1.25% on dining
Domestic loungeNot includedUnlimitedNot included
Forex markup3.5%0%0%
TypeTravelTravelDining
Compare with Federal Scapia Credit cardCompare with IDFC FIRST Millennia Credit Card

09Explore More

All Axis Bank productsEvery card, loan and account from Axis Bank on SkyloFinTravel credit cardsEvery travel card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 24 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

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

The joining fee is ₹5,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

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

The annual fee is ₹5,000 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Axis Bank Atlas Credit CardJoining fee: ₹5,000 + GST
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