Axis Bank Atlas Credit Card review
Still a strong card for existing holders who book flights and hotels directly and transfer miles to airline partners. New applicants likely can't get it, and anyone who won't transfer miles gets much less value.
Fees
₹5,000 a year + GST. Forex markup 3.5%.
Rewards
1 EDGE Mile is worth about ₹1 on Axis Travel EDGE; transfers at 1:2 to partners such as Air India or KrisFlyer can be worth about ₹2; statement credit is only about ₹0.20
- Fuel: 0%
- Flights & hotels: 5% – 5 miles per ₹100 on Travel EDGE and direct airline or hotel bookings, on up to ₹2 lakh of such spend a month; above that, and on online travel agencies, it drops to 2
- Bills: 0%
- Rent: 0%
- Insurance: 0%
- Everything else: 2%
On a typical spending pattern this card gives back about ₹8,640 a year.
What’s good
- 2 EDGE Miles per ₹100 on everyday spends, worth up to about 4% when transferred
- 5 miles per ₹100 on direct flight and hotel bookings up to ₹2 lakh a month
- Up to 10,000 bonus miles a year from spend milestones
- Lounge visits that grow with your spend tier
What’s not
- Not open to new applicants in 2026, per Axis customer care reports
- Frequent transfer-partner changes and annual transfer caps reduce the value of miles
- 3.5% foreign-currency markup is high for a travel card
- No fee waiver, and many everyday categories earn nothing
Lounge access
Domestic: 8 a year at the Silver tier, 12 at Gold, 18 at Platinum. International: 4 a year at Silver, 6 at Gold, 12 at Platinum.