Axis Bank Atlas Credit Card - Features, Benefits & Review
When it comes to popular credit cards, rewards and cashback cards typically steal the spotlight. However, there's still a unique niche for cards designed to earn and redeem air miles. The Axis Bank Atlas Credit Card falls into this category. Unlike typical cashback or reward cards, the Atlas card offers something different: EDGE Miles, a fresh reward currency. These EDGE Miles can be transferred to a wide range of airline and hotel partners, making it perfect for travel enthusiasts.
In addition to miles, the card provides exciting milestone benefits and tier-based rewards. With a relatively lower annual fee, the Axis Bank Atlas Credit Card offers an appealing option for earning miles through your everyday spending.
Eligibility Criteria
Looking to get your hands on the sleek Axis Atlas Credit Card? Let's talk about who qualifies for this premium card. To be considered for this card, you'll need to:
- Be between 18 and 70 years old as a primary cardholder
- Meet the income thresholds:
- (A) Salaried professionals: Net annual income of ₹12 lakhs or more
- (B) Self-employed individuals: Net annual income of ₹15 lakhs or more
- Be a resident of India
Axis Atlas Credit Card Fees and Welcome Benefits
| Joining Fee | ₹5,000 + GST (₹5,900) |
| Renewal Fee | ₹5,000 + GST (₹5,900) |
| Welcome Benefit | 2500 EDGE Miles upon first transactions within 37 days from card issuance |
| Renewal Spends Waiver | Not Applicable |
| Renewal Benefits | Get upto 5,000 EDGE Miles (basis on membership tier you hold) |
With the Axis Bank Atlas Credit Card, you get 2,500 EDGE Miles as a welcome benefit, which translates to 5,000 partner miles. This is a great deal, especially when you transfer your miles to partner programs like Club ITC, IHG, or Accor, where you can get around ₹1.5-2 per EDGE Mile, sometimes even more than the joining fee you paid.
The card also rewards you for continued use. As you progress to higher tiers, you unlock exciting benefits. For instance, if you hit the Platinum tier, you’ll receive 5,000 EDGE Miles for the same ₹5,000 + GST annual fee.
So, the more you use the card, the better the value you get, making it a smart choice for those who travel frequently or enjoy earning miles through regular spending.
Axis Bank Atlas Credit Card Rewards Programme
- 5 EDGE Miles per ₹100 on transactions made on Axis Bank Travel Edge, direct hotels, and direct airline bookings. These accelerated EDGE Miles can only be earned on cumulative spends of up to ₹2 lakhs per month.
- 2 EDGE Miles per ₹100 on all other transactions including spends made on travel after reaching the cumulative spend threshold of ₹2 lakh per month.
- No EDGE Miles shall be awarded for transactions made on Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, and Utilities.
| Spends Category | Reward Structure |
|---|---|
| Axis Bank Travel Edge, Direct hotels, and Direct Airline Bookings |
5 EDGE Miles per ₹100 up to ₹2 lakhs spent per month (10-18.5% reward rate) 2 EDGE Miles per ₹100 above ₹2 lakhs spent per month (4-8% reward rate) |
| Other Spends | 2 EDGE Miles per ₹100 (4-8% reward rate) |
| Education | 2 EDGE Miles per ₹100 (4-8% reward rate) |
| Gold/Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, and Utilities | No EDGE Miles |
NOTE: Direct airline spends refer to purchases made at airline owned websites, at airline counters, airline helpline numbers. Direct hotel spends refer to purchases made at hotel owned websites and at hotel counters.
Additional 1% reward rate if you're eligible for milestone benefits.
Axis Bank Atlas Credit Card Miles Transfer Program
You can redeem the EDGE Miles you earn on your Axis Bank Atlas Credit Card in two main ways:
- Book flights or hotels directly through the Axis Bank Travel Edge Portal. Keep in mind, there’s an annual limit, you can transfer up to 1,50,000 EDGE Miles per customer ID within a calendar year. The value of each EDGE Mile is ₹1.
- Convert your EDGE Miles to frequent flyer miles with partner airlines. Each airline’s program has a different conversion rate, which determines the value you get from your EDGE Miles. However, for all the airline and hotel loyalty programmes, the conversion ratio is 1:2 which means for every 1 EDGE Miles, you will get 2 Partner Points except for Marriott Bonvoy where 2 EDGE Miles = 1 Marriott Bonvoy Point.
The table below breaks down how your EDGE Miles translate into miles for various airline partners.
| Group A | Group B |
|---|---|
| Accor Hotels (Accor Live Limitless) | Air France-KLM (Flying Blue) |
| Air Canada (Aeroplan) | Air India (Flying Returns) |
| Ethiopian Airlines | Air Asia |
| Etihad (Etihad Guest) | ITC |
| Japan Airlines (JAL Mileage Bank) | IHG® Hotels & Resorts (IHG One Rewards) |
| Marriott International (Marriott Bonvoy) | Qantas Airways (Qantas Frequent Flyer) |
| Qatar Airways | SpiceJet |
| Singapore Airlines (Krisflyer) | Vistara (TATA SIA Airlines Ltd) |
| Turkish Airlines | |
| Thai Airways (Royal Orchid Plus) | |
| United Airlines (MileagePlus) | |
| Wyndham Hotels (Wyndham Rewards) |
The current miles transfer partners are split into two categories: Group A and Group B. When redeeming through the Miles Transfer Program, you can transfer up to 30,000 EDGE Miles per customer ID to partners in Group A and up to 1,20,000 EDGE Miles per customer ID to partners in Group B within a single calendar year.
NOTE: We recommend redeeming your EDGE Miles on partner programs as you are getting far better value and return as compared to using Axis Bank Travel Edge Portal.
Axis Bank Atlas Credit Card Lounge Access Benefit
The number of complimentary airport lounge visits you enjoy with your card varies based on your membership tier. Below is a breakdown showing how many domestic and international lounge visits you get at each tier level.
| Membership Tier | Domestic Lounge Access | International Lounge Access |
|---|---|---|
| Silver | 8 | 4 |
| Gold | 12 | 6 |
| Platinum | 18 | 12 |
However, the above number of visits include visits for primary cardholder and guests as well.
Axis Bank Atlas Credit Card Milestone Benefit
For each membership tier, the bank sets a specific spending target you need to reach. Once you hit that milestone with your Axis Bank Atlas Credit Card, you’ll earn Bonus EDGE Miles corresponding to your tier. It’s a way to reward you for your loyalty and spending, giving you extra miles when you meet your yearly goals.
| Spends Milestone | No. of EDGE Miles |
|---|---|
| ₹3 lakhs | 2500 |
| ₹7.5 lakhs | Additional 2500 |
| ₹15 lakhs | Additional 5000 |
Transactions made for Gold/Jewellery, Rent, Wallet, Government Institutions, Insurance, Fuel, and Utilities merchants will not be counted towards Milestone achievement.
Axis Bank Atlas Credit Card Tiers
The Axis Bank Atlas Credit Card offers three membership levels: Silver, Gold, and Platinum. Your tier depends on how much you spend with the card in a year.
As soon as you get the card, Silver would be your membership tier. However, if you spend between ₹7.5 lakhs and ₹15 lakhs, and you qualify for the Gold tier and spend over ₹15 lakhs, and you reach the Platinum tier. Not just that, based on the membership tier, you will get accelerated EDGE Miles and lounge access.
| Annual Spends | Membership Tiers |
|---|---|
| Less than ₹7.5 lakhs | Silver |
| Between ₹7.5 lakhs and ₹15 lakhs | Gold |
| Above ₹15 lakhs | Platinum |
However, if you don't achieve the tier threshold in the next anniversary year, the existing tier will get downgraded as per the following.
| Existing Tiers | Post Downgrade Tier |
|---|---|
| Silver | - |
| Gold | Silver |
| Platinum | Gold (Between ₹7.5 lakhs and ₹15 lakhs) Silver (Less than ₹7.5 lakhs) |
Transactions made for Gold/Jewellery, Rent, Wallet, Government Institutions, Insurance, Fuel, and Utilities merchants will not be counted towards tier evaluation thresholds.
Axis Bank Atlas Credit Card Annual Benefit
Every year, once you pay the renewal fee for your Atlas Credit Card, you’ll be rewarded with Bonus EDGE Miles as a thank-you for being a loyal cardholder. The amount of these bonus miles varies depending on whether you’re in the Silver, Gold, or Platinum tier. The higher your tier, the bigger the bonus you receive, making it worthwhile to keep your spending up and enjoy greater rewards each year.
| Membership Tier | Edge Miles Credited Annually |
|---|---|
| Silver | Not Applicable |
| Gold | 2,500 |
| Platinum | 5,000 |
SaveSage Insight
We recommend Axis Atlas Credit Card primarily for three types of users:
- 1. Frequent travelers who spend ₹50,000 or more per month directly on hotel and airline bookings. If you regularly book flights or hotels and want to maximize your travel benefits, this card offers attractive rewards tailored just for you.
- 2. Those seeking a comprehensive travel rewards card that provides good value on miles, lounge access, and other travel perks, making your journeys more comfortable and rewarding.
- 3. If your yearly spend falls below ₹7.5 lakhs, this card may not be the best option. The benefits and rewards are optimized for higher spenders, so you might not get the full value unless your spending crosses this threshold.
The Atlas card remains a standout option among Axis Bank’s credit cards, especially for those who love collecting airmiles.
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