Axis Atlas Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹5,900
₹5,900
3.5%
12 visits/yr
Contents
The Axis Atlas Credit Card is a premium travel card suited for frequent travelers seeking accelerated EDGE Miles on direct airline and hotel spends. Offering tiered membership—Silver, Gold, and Platinum—based on annual spends, the card unlocks exclusive lounge access, milestone rewards, and dining discounts. Ideal for travel enthusiasts wanting maximum value, it combines luxury benefits with a rewarding miles program.
Features of Axis Atlas Credit Card which makes it unique
Tiered Rewards
Silver, Gold, and Platinum tiers based on annual spending unlocking milestone benefits.
Higher spends unlock more rewards and benefits.
Unique tier system among travel cards.
Rewards Structure of Axis Atlas Credit Card
Travel
acceleratedDirect airline and hotel bookings on TRAVEL EDGE portal
Earn 5 miles on direct travel spends up to ₹2 lakh per calendar month.
Other Spends
baseAll other eligible spends excluding fuel, utilities, wallet, rent, insurance
Standard earn rate on all other retail spends.
Milestones of Axis Atlas Credit Card
₹3 Lakh Annual Spend
₹3,00,000 : 2,500 EDGE Miles
₹7.5 Lakh Annual Spend
₹7,50,000 : 2,500 EDGE Miles
₹15 Lakh Annual Spend
₹15,00,000 : 2,500 EDGE Miles
Fees & Charges of Axis Atlas Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹5,900 |
| Annual Fee | ₹5,900 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Anniversary gift up to 5,000 EDGE Miles on fee payment
Fee Explanation Standard bank rates apply for overdue amounts.
Detailed Explanation of Axis Atlas Credit Card Fees
Joining Fee: 5900 (one-time)
Fee includes GST.
Annual Fee: 5900 (yearly)
Includes GST; renewal benefits apply.
Foreign Transaction Fee: 3.5% (transaction)
On all forex transactions.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Lounge Access Benefits with Axis Atlas Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: Yes
Access granted upon milestone spends. First-come, first-served basis.
international Lounges
silverVisits per year: 4
Guest access: Yes
Access via Dreamfolks network. Subject to availability.
Insurance Coverage with Axis Atlas Credit Card
Travel Insurance
₹15,00,000Valid on international travel bookings.
Additional Features of Axis Atlas Credit Card
Contactless Payments
Tap and pay feature enabled for quick payments.
Add-on Cards
Up to 3 add-on cards free of cost.
Subject to primary cardholder approval.
Welcome Bonus with Axis Atlas Credit Card
Welcome Bonus: 2,500 EDGE Miles
Bonus Conditions: Applies to new cardholders with transactions within 37 days. EDGE Miles equal to ₹2,500 value.
Application Process for Axis Atlas Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Axis Bank portal or partnered platforms.
Upload KYC and income documents.
Receive verification call from the bank.
Card dispatched within 7-10 business days.
Required Documents for Axis Atlas Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Axis Atlas Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across Indian merchants
International Acceptance
Accepted globally at all VISA merchants
Online Acceptance
Yes, available for online transactions
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Atlas Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹1,000,000
Minimum annual income
Self-Employed Applicants
₹1,500,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN card and Aadhaar required.
How Approval Is Decided
- Minimum income ₹12,00,000 per annum for salaried and ₹15,00,000 for self-employed
- Indian resident with valid ID proofs
- Credit score above 750
Pros of Axis Atlas Credit Card
- Strong miles earning potential on direct travel spends
- Generous milestone rewards
- Good lounge access benefits
- Flexible EDGE Miles transfer to airline and hotel partners
Cons of Axis Atlas Credit Card
- High joining and annual fees
- Limited accelerated rewards outside travel spends
- Instant approval not available
Frequently Asked Questions about Axis Atlas Credit Card
Is there a joining fee for Axis Atlas Credit Card?
Yes, ₹5,900 including GST is charged as joining fee.
What is the annual fee and are there any fee waivers?
Annual fee is ₹5,900 including GST. No waiver, but milestone rewards add value.
How can I earn EDGE Miles faster?
Earn 5 EDGE Miles per ₹100 on direct airline and hotel spends; 2 miles on other spends.
What lounge access does this card offer?
Complimentary access to 8 domestic and 4 international lounges annually, including guest access.
What documents are required to apply?
Valid PAN, Aadhaar, income proof, and address proof are required.
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