Axis Bank ATLAS Credit Card is a very good travel card option from Axis Bank. You get attractive benefits on your travel spends, frequent travellers will also get good rewards on all their non-travel spends, if they are willing to convert their reward points to partner points of various airline and hotel partners. The card also offers good lifestyle benefits for frequent travellers like complimentary airport lounge access both in India and abroad, complimentary airport concierge services, and complimentary airport pick up service.
Brief Summary
Our View :
Best for travellers who spend on airlines & hotels frequently. You get 5% – 10% benefit on airline & hotel purchases, and 2% – 4% benefit on all other purchases , if you redeem your rewards (EDGE Miles) on airline & hotel bookings.
The card also offers a wide range of benefits for frequent travellers like complimentary lounge access both in India and abroad , complimentary airport concierge services , and complimentary airport pick up services. These services are dependent on your annual card spend which determines your tier classification – Silver Tier (₹3 lakhs annual card spend), Gold Tier (₹7.50 lakhs annual card spend), and Platinum Tier (₹15 lakhs annual card spend).
The card is virtually free if you spend a minimum of ₹3 lakhs per year.
Axis Bank ATLAS Credit Card
Special Benefits
5% – 10% on travel spends
Other Benefits
Complimentary airport lounge access
Minimum Income
Not specified
Annual Fee
₹5000
Annual Fee Offers
Welcome offer worth minimum ₹5000
Renewal offer worth minimum ₹5000
Axis Bank ATLAS Credit Card – Summary Table
5% – 10% special benefit on travel spends: ■ 5% benefit (if you redeem reward points on airline & hotel bookings) ■ 10% benefit (if you convert reward points to airline & hotel points) | 5% benefit (if you redeem reward points on airline & hotel bookings) You earn 5 EDGE Miles worth ₹5 , on every ₹100 spent you spend on travel purchases. – Since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal 10% benefit (if you convert reward points to airline & hotel points) You earn 5 EDGE Miles worth 10 partner points (of airlines & hotels) , on every ₹100 spent you spend on travel purchases. – Since 1 EDGE Mile = 2 partner points , at all airline and hotel partners except Marriott International where 1 EDGE Miles = 1 partner point . – If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors. ▶︎ Travel purchases means airline & hotel purchases done : 1. on Axis Travel EDGE Portal, and 2. on direct airline & hotels (direct airline spends are purchases made at airline-owned websites, airline counters, and airline helpline numbers. On the other hand, direct hotel spends are purchases made at hotel-owned websites and hotel counters). ▶︎ Bookings made through travel agents, including private travel agents, corporate travel agents, online travel agencies, or their websites/IVR systems, are eligible for only basic benefit of 2 EDGE Miles for every ₹100 spent. Airline & Hotel partners – Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara – Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts – On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point. |
| 2% – 4% basic benefit on all other spends: ■ 2% benefit (if you redeem reward points on airline & hotel bookings) ■ 4% benefit (if you convert reward points to airline & hotel points) | 2% benefit (if you redeem reward points on airline & hotel bookings) You earn 2 EDGE Miles worth ₹2 , on every ₹100 spent you spend on all other purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal) 4% benefit (if you convert reward points to airline & hotel points) You earn 2 EDGE Miles worth 4 partner points (of airlines & hotels) , on every ₹100 spent you spend on all other purchases. – Since 1 EDGE Mile = 2 partner points , at all airline and hotel partners except Marriott International where 1 EDGE Miles = 1 partner point . – If one assumes an average rate of 1 partner point = ₹1, then you get 4% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors. Exceptions : You do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance (amount > ₹5000), and wallet recharge. |
₹5000 annual fee Milestone program – based on annual spends & renewal fee payment | Annual fee on the card is ₹5000 Welcome offer You get 5000 EDGE Miles (worth ₹5000 OR worth 10,000 partner points) – on making your 1st transaction, within 30 days of card setup date Milestone program – based on annual spends & renewal fee payment 1. On annual card spend of ₹3 lakhs (silver tier) & paying renewal fee of ₹5000 : You get 5,000 EDGE Miles , worth ₹5000 OR worth 10,000 partner points (of airlines & hotels) 2. On annual card spend of ₹7.50 lakhs lakhs (gold tier) & paying renewal fee of ₹5000 : You get 10,000 EDGE Miles , worth ₹10000 OR worth 20,000 partner points (of airlines & hotels) 3. On annual card spend of ₹15 lakhs (platinum tier) & paying renewal fee of ₹5000 : You get 20,000 EDGE Miles , worth ₹20000 OR worth 40,000 partner points (of airlines & hotels) (Spends threshold for above milestone benefits will exclude rent and wallet transactions). As you can see, the card is virtually free is you spend ₹3 lakhs or more per year. |
| Complimentary international & domestic airport lounge access – based on tier based system | International lounges : – Silver Tier (on annual card spend of ₹3 lakhs) : 4 free visits per year – Gold Tier (on annual card spend of ₹7.50 lakhs) : 6 free visits per year – Platinum Tier (on annual card spend of ₹15 lakhs) : 12 free visits per year Domestic lounges : – Silver Tier (on annual card spend of ₹3 lakhs) : 8 visits per year – Gold Tier (on annual card spend of ₹7.50 lakhs) : 12 visits per year – Platinum Tier (on annual card spend of ₹15 lakhs) : 18 visits per year Booking process : For international lounge access, you need to book via the Axis Bank mobile app. And for domestic lounge access, you have two options: book through the Axis Bank mobile app or swipe your card at the lounge (a non-refundable transaction of ₹2/- will be made on the credit card for authentication). |
| Complimentary airport concierge services – for Gold & Platinum Tier cardholders only | You get VIP assistance for a smooth airport experience. This service includes check-in, security process, immigration process, and porter services. Gold and Platinum tier cardholders are eligible to enjoy complimentary concierge services. – Gold Tier : 2 times per year – Platinum Tier: 4 times per year Silver-tier cardholders do not have access to complimentary concierge services. |
| Complimentary airport pick up services – only for Platinum Tier cardholders , 2 times per year | Platinum tier cardholders enjoy complimentary airport pickup services – 2 times per year. |
| Minimum income requirements | Salaried – annual Income of ₹9,00,000 Self-employed – annual Income (ITR) of ₹12,00,000 |
Pros and Cons of Axis Bank ATLAS Credit Card
Pros
- Good card for frequent travellers, one can get around 10% benefit rate if you use your partner points well
- Good lifestyle benefits for frequent travellers like complimentary lounge access both in India and abroad, airport concierge services and airport pick up service
- High benefit rate on non-travel purchases as well (4% or more), if you use your partner points well
- Card is virtually free if you spend a minimum of ₹3 lakhs per year
Cons
- High benefit rate is available only if you redeem your reward points on travel purchases, or convert them into partner (airlines & hotels) points
Comparison With Other Credit Cards
| Features |
IDFC FIRST Millennia Credit Card
Our Rating
APPLY NOW
|
|---|---|
| Reward Rates | 0.75% – 2.5% |
| Other benefits | Fuel surcharge waiver of 1% |
| Annual Fee | Nil |
| Annual Fee Offers | Nil |
| Minimum Income | Not Specified |
Full Review of the Axis Bank ATLAS Credit Card
Features & Benefits of the Axis Bank ATLAS Credit Card
5% – 10% special benefit on travel spends
✔︎ 5% benefit (if you redeem reward points on airline & hotel bookings)
You earn 5 EDGE Miles worth ₹5 , on every ₹100 spent you spend on travel purchases. Since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal.
Travel purchases means airline & hotel purchases done on Axis Travel EDGE Portal , and on direct airline & hotels (not on online and offline travel agents). Direct airline spends are purchases made at airline-owned websites, airline counters, and airline helpline numbers. On the other hand, direct hotel spends are purchases made at hotel-owned websites and hotel counters. Bookings made through travel agents, including private travel agents, corporate travel agents, online travel agencies, or their websites/IVR systems, are eligible for only 2 Miles for every ₹100 spent (basIC BENEFIT).
How to redeem your reward points : You can redeem your reward points called EDGE Miles, for airline & hotel bookings on Axis Travel EDGE Portal. 1 EDGE Mile = ₹1. For more details and FAQs on hotel & airline bookings on Axis Travel EDGE Portal, please click here Axis Travel EDGE Airline & Hotel Bookings
✔︎ 10% benefit (if you convert reward points to airline & hotel points)
You earn 5 EDGE Miles worth 10 partner points (of airlines & hotels) , on every ₹100 spent you spend on travel purchases. Since 1 EDGE Mile = 2 partner points.
If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of much more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The effective rate depends on many factors.
List of partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.
– For full details, please click here Axis Atlas Airline & Hotel Partner Program
How to redeem your reward points : You can convert your reward points called EDGE Miles, to partner points (airline & hotel reward points). 1 EDGE Miles = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point. List of partners given above.
Limits on reward points (EDGE Miles) :
– You can not convert more than 5 lakh EDGE Miles to partner points, in a year.
– There is no monthly cap on earning these benefits.
2% – 4% basic benefit on all other spends
✔︎ 2% benefit (if you redeem reward points on airline & hotel bookings)
You earn 2 EDGE Miles worth ₹2 , on every ₹100 spent you spend on all other purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal)
✔︎ 4% benefit (if you convert reward points to airline & hotel points)
You earn 2 EDGE Miles worth 4 partner points (of airlines & hotels) , on every ₹100 spent you spend on all other purchases. Since 1 EDGE Mile = 2 partner points.
Exceptions : you do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance (amount > ₹5000), and wallet recharge.
For all other details like list of partners, how to redeem EDGE Miles, and other important information, please refer to the section above.
Complimentary international & domestic lounge Access – based on tier based system
International lounges
– Silver Tier (on annual card spend of ₹3 lakhs) : 4 free visits per year
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 6 free visits per year
– Platinum Tier (on annual card spend of ₹15 lakhs) : 12 free visits per year
You shall see the applicable lounges on your mobile app ,
Domestic lounges
– Silver Tier (on annual card spend of ₹3 lakhs) : 8 visits per year
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 12 visits per year
– Platinum Tier (on annual card spend of ₹15 lakhs) : 18 visits per year
To view list of applicable lounges, please click here .
Booking process
– For international lounge access, you need to book via the Axis Bank mobile app.
– And for domestic lounge access, you have two options : book through the Axis Bank mobile app or swipe your card at the lounge (a non-refundable transaction of ₹2/- will be made on the credit card for authentication).
– You shall see the applicable lounges on your mobile app ,
Complimentary concierge services – for Gold & Platinum Tier cardholders only
You get VIP assistance for a smooth airport experience. This service includes check-in, security process, immigration process, and porter services.
Gold and Platinum tier cardholders are eligible to enjoy complimentary concierge services. Silver-tier cardholders do not have access to complimentary concierge services.
– Gold Tier : 2 times per year
– Platinum Tier: 4 times per year
For details, please click here .
Complimentary airport pick up services – only for Platinum Tier cardholders, 2 times per year
Platinum tier cardholders enjoy complimentary airport pickup services, 2 times per year.
Axis Bank ATLAS Credit Card Fees and Charges
Annual fee & annual fee offers
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹5000 | Welcome offer : You get 5000 EDGE Miles (worth ₹5000 OR worth 10,000 airline & hotel partner points), on making your 1st transaction, within 30 days of card setup date |
| Renewal fee from 2nd year onwards | ₹5000 | Milestone program – based on annual spends & renewal fee payment 1. On annual card spend of ₹3 lakhs (silver tier) & paying renewal fee of ₹5000 : You get 5,000 EDGE Miles , worth ₹5000 OR worth 10,000 partner points (of airlines & hotels) 2. On annual card spend of ₹7.50 lakhs lakhs (gold tier) & paying renewal fee of ₹5000 : You get 10,000 EDGE Miles , worth ₹10000 OR worth 20,000 partner points (of airlines & hotels) 3. On annual card spend of ₹15 lakhs (platinum tier) & paying renewal fee of ₹5000 : You get 20,000 EDGE Miles , worth ₹20000 OR worth 40,000 partner points (of airlines & hotels) (Spends threshold for above milestone benefits will exclude rent and wallet transactions). As you can see, the card is virtually free is you spend ₹3 lakhs or more per year. |
Late payment fee
Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date.
| Amount due | Late fee |
|---|---|
| Less than ₹500 | None |
| Between ₹501-₹5000 | ₹500 |
| Between ₹5,001-₹10,000 | ₹750 |
| More than ₹10,001 | ₹1000 |
Foreign currency markup fee
3.50% on transaction amount. This fee is charged when you use your card outside India.
Finance charges
3.60% per month.
Important Note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Axis Atlas Credit Card Fees & Charges
Eligibility Criteria
| Minimum age | 18 years |
| Maximum age | 70 years |
| Occupation | Salaried, self-employed |
| Minimum income requirements | Salaried – annual Income of ₹9,00,000 Self-employed – annual Income (ITR) of ₹12,00,000 |
| Credit score | Preferably above 750 |
Application Process
Step-by-step guide
| Online application process | The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form. Steps : – Fill up the application form – Make sure to submit the required documents, including identity proof (Voter card, Aadhar card, PAN card, etc. – any one), address proof (Aadhar card, Voter card, PAN card, driving licence, etc. – any one), and proof of income (salary slips, audited ITR acknowledgement – as applicable) – Review your application and click submit – Await confirmation from Axis Bank regarding the status of your application. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
Necessary documents and verification
| Required documents | – PAN card photocopy or Form 60 – Colour photograph – Income proof : Latest payslip/Form 16/IT return copy – Residence proof (any one of the following) : passport , ration card, electricity bill, landline telephone bill – Identity proof (any one of the following) : passport, driving license, PAN card, Aadhaar card Please note that this list is only indicative. Documents required may vary on a case-to-case basis. |
Other Benefits for Cardholders
| 24/7 customer support | Please click here for all the options to contact the bank for various issues and escalations. |
| Dining Delights program | Participating restaurant partners : – Dining Delights is an exclusive program for Axis Bank Credit and Debit Cardholders in partnership with EazyDiner, a popular online restaurant reservation platform. – This program offers customers exciting discounts and offers at top restaurants across India. – For a list of participating restaurants and more information, please visit here Axis Dining Delights Program Discounts and offers : – You can avail of a 25% discount at partner restaurants in India by transacting at participating restaurants. Important terms and conditions of the dining program : – 25% discount on dining spends upto ₹3200 (since the maximum discount is ₹800) – Minimum order value ₹2000 – Valid once per month – Offer period : 1st July 2023 – 30th June 2024 (inclusive of both days) – Offer applicable on booking via the Axis Bank Dining Delights Program on EazyDiner Escalations : – ED Concierge Board Number & Email ID: Phone No.7861004444 Email: booking@eazydiner.com. |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card. Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card. |
Conclusion
In conclusion, Axis Atlas Credit Card is a very good card for frequent travelers, one can get 10% or more benefit if you use your partner points well. Frequent travellers also get good lifestyle benefits like complimentary lounge access both in India and abroad, concierge services and airport pick up service. You also get a high benefit rate on non-travel purchases (4% or more), if you use your partner points well. The card is virtually free if you spend a minimum of ₹3 lakhs per year.
Apply Nowon Axis Bank website
Frequently Asked Questions
How can I upgrade my tier of my Axis Bank ATLAS Credit Card?
Cardholders have the opportunity to upgrade their tier based on their spending patterns. You can access premium benefits by reaching specific spending milestones, including bonus EDGE Miles and other exciting privileges.
Can I transfer my EDGE Miles to various airline and hotel loyalty programs?
Yes, with the Axis Bank Atlas Credit Card, you have the flexibility to transfer your earned EDGE Miles to several airlines and hotel loyalty programs at a 1: 2 ratio, giving you even more options to enjoy your rewards.
How can I apply for the Axis Bank Atlas Credit Card?
You can easily apply for the Atlas Credit Card through Axis Bank’s official website or by visiting the nearest Axis Bank branch. Follow the application process and submit the required documents to start your credit card journey.
How can I redeem my EDGE Miles for rewards?
You can redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal. 1 EDGE Mile = ₹1. You can also convert your EDGE Miles to partner points of various airlines & hotels. 1 EDGE Miles = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.
On this page
- Brief overview
- Pros and cons
- Detailed look at the card
- Features & benefits
- Card fees & charges
- Eligibility criteria
- Application process
- Other cardholder benefits
- Frequently asked questions
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