By: OurMoneyGuide || Last updated on: May 1, 2024

Axis Bank ATLAS Credit Card is a premium travel card from Axis Bank. You get attractive rewards on travel spends, and you can accumulate airline and hotel partner points on all other card spends as well. Frequent travellers get good lifestyle benefits like complimentary airport lounge access both in India and abroad, complimentary airport concierge services, and complimentary airport pick up service.

Minimum income required for this card is ₹12 lakh annual income (salaried), ₹15 lakh annual income (self-employed).

Pros & Cons of Axis Bank ATLAS Credit Card

Pros

  • High reward rates on card spends, especially if you use your airlines & hotel 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
  • Card is virtually free if you spend a minimum of ₹3 lakhs per year

Cons

  • High reward rate is available only if you redeem your reward points on airline & hotel bookings. Hence not a suitable card for those who do not travel frequently.

Features & Benefits of the Axis Bank ATLAS Credit Card

5% – 10% reward on travel spends – only on travel spends upto ₹2 lakhs per month

Travel spends means-
1. airline bookings on Axis Travel EDGE Portal
2. hotel bookings on Axis Travel EDGE Portal
3. direct airline spends (airline-owned websites, airline counters, and airline helpline numbers)
4. direct hotel spends (hotel-owned websites and hotel counters)
Note – Bookings made through travel agents, including private travel agents, corporate travel agents, online travel agencies, or their websites/IVR systems, are eligible for lower rewards (2 EDGE Miles on every ₹100 spent).

✔︎ 5% reward on travel spends (if you redeem reward points on airline & hotel bookings on Axis Travel EDGE Portal)
You earn 5 EDGE Miles worth ₹5, on every ₹100 you spend on travel spends.

1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal. For more details, please click here Axis Travel EDGE Airline & Hotel Bookings

✔︎ 10% reward on travel spends (in terms of airmiles/points of airline & hotel loyalty programs)
You earn 5 EDGE Miles worth 10 partner points (of airlines & hotels), on every ₹100 you spend on travel purchases.

1 EDGE Mile = 2 partner points (on all partners listed below, except Marriott International). 

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 = 0.50 partner point.
– For full details, please click here Axis Atlas Airline & Hotel Partner Program

→ Please note
✓ On travel spends above ₹2 lakhs, you shall earn 2 EDGE Miles on every ₹100 spent.

✓ You cannot convert more than 1.50 lakh EDGE Miles to partner points, in a year. There are further restrictions – on a certain set of partners you can transfer of maximum of 30,000 EDGE Miles in a year (Group A), while on the other set (Group B) you can transfer a maximum of 1.2 lakh EDGE Miles in a year, please see below-
– Accor Hotels (Accor Live Limitless), Air Canada (Aeroplan), Ethiopian Airlines , Etihad (Etihad Guest), Japan Airlines (JAL Mileage Bank), Marriott International ( Marriott Bonvoy), Qatar Airways, Singapore Airlines (Krisflyer), Turkish Airlines, Thai Airways ( Royal Orchid Plus), United Airlines (MileagePlus), Wyndham Hotels (Wyndham Rewards)
– Air France-KLM (Flying Blue), Air India (Flying Returns), Air Asia, ITC, IHG® Hotels & Resorts (IHG One Rewards), Qantas Airways (Qantas Frequent Flyer), SpiceJet, Vistara (TATA SIA Airlines Ltd)

For the year 2024, customer can convert 1,50,000 EDGE Miles from 20th April 2024 – 31st December 2024. From next year onwards, capping will be applicable from 1st Jan’25 to 31st Dec’25. For more details, please click here.

✓ EDGE Miles shall reflect in your account within 12 days from the date of eligible transaction. The credited EDGE Miles can be viewed in the Atlas Miles section of the Axis Bank mobile application.

2% – 4% reward on all other card spends

✔︎ 2% reward on travel spends (if you redeem reward points on airline & hotel bookings)
You earn 2 EDGE Miles worth ₹2 , on every ₹100 you spend on all other card purchases. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal.

✔︎ 4% reward on travel spends (in terms of airmiles/points of airline & hotel loyalty programs)
You earn 2 EDGE Miles worth 4 partner points (of airlines & hotels), on every ₹100 you spend on all other card purchases.

1 EDGE Mile = 2 partner points (on all partners except Marriott International, as explained in the previous section above). EDGE Miles shall reflect in your account within 12 days from the date of eligible transaction. The credited EDGE Miles can be viewed in the Atlas Miles section of the Axis Bank mobile application.

Exceptions : EDGE Miles are not given on the following card spends – gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities merchants.

Complimentary airport & milestone benefits, based on annual card spend based tiers

Based on your annual card spend, you are assigned the below tiers-
– Silver Tier : At annual card spend of ₹3 lakhs
– Gold Tier : At annual card spend of ₹7.5 lakhs
– Platinum Tier : At annual card spend of ₹15 lakhs

Please note that the following card spends are not counted as eligible spends for tier evaluation : gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities merchants.

The above tiers determine the kind of complimentary benefits you receive, please see below-

✔︎ Complimentary international & domestic lounge access

International lounges
– Silver Tier (at annual card spend of ₹3 lakhs) : 4 free visits per year
– Gold Tier (at annual card spend of ₹7.5 lakhs) : 6 free visits per year
– Platinum Tier (at annual card spend of ₹15 lakhs) : 12 free visits per year
You can see the applicable lounges on your mobile app.

Domestic lounges
– Silver Tier (at annual card spend of ₹3 lakhs) : 8 visits per year
– Gold Tier (at annual card spend of ₹7.5 lakhs) : 12 visits per year
– Platinum Tier (at annual card spend of ₹15 lakhs) : 18 visits per year
To view list of applicable lounges, please click here .

The above number of visits include visits for primary cardholder and guests as well. For example: silver tier customers are eligible for 8 free domestic lounge visits including guests.

Booking process
– For international lounge access, you need to book via the Axis Bank mobile app.
– 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 concierge services

Only Gold and Platinum tier cardholders are eligible for complimentary concierge services. Silver-tier cardholders do not have access to complimentary concierge services.
– Gold Tier (at annual card spend of ₹7.5 lakhs) : 2 times per year
– Platinum Tier (at annual card spend of ₹15 lakhs) : 4 times per year

Concierge services include check-in, security process, immigration process, and porter services – to ensure a smooth airport experience. For details, please click here .

✔︎ Complimentary airport pick up services

Platinum tier cardholders enjoy complimentary airport pickup services, 2 times per year. 

✔︎ Milestone program & tier rewards

Milestone program
– At ₹3 lakh annual card spend (silver tier) : 2500 EDGE Miles – worth ₹2500 for travel bookings on Axis Travel EDGE Portal || worth 5000 partner points of airlines/hotels
– At ₹7.50 lakhs annual card spend (gold tier) : 5000 EDGE Miles – worth ₹5000 for travel bookings on Axis Travel EDGE Portal || worth 10,000 partner points of airlines/hotels
– At ₹15 lakhs annual card spend (platinum tier) : 10,000 EDGE Miles – worth ₹10,000 for travel bookings on Axis Travel EDGE Portal || worth 20,000 partner points of airlines/hotels
(Please note that the following card spends are not counted towards milestone benefits given above: gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities merchants).

Tier rewards
– At ₹7.50 lakhs annual card spend (gold tier) & paying renewal fee of ₹5000 : 2500 EDGE Miles
– At ₹15 lakhs annual card spend (platinum tier) & paying renewal fee of ₹5000 : 5000 EDGE Miles

25% discount (upto ₹800) once a month, at participating restaurants – dining offer in partnership with EazyDiner (Dining Delights Program)

You get a 25% discount up to ₹800 on your restaurant orders, at over 4,000 restaurants nationwide. Minimum order amount required is ₹2500. 

Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage falls below 25% since the maximum discount is fixed at ₹800.

This offer can be redeemed once every month. For a list of participating restaurants and more information, please visit here.

Axis Bank ATLAS Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹5000Welcome offer : 2500 EDGE Miles (worth ₹2500 on travel bookings || worth 5000 airline/hotel partner points), given on your 1st card transaction within 37 days of card issuance
Renewal fee from 2nd year onwards₹5000Please refer to milestone rewards and tier rewards, covered in the sections above.

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 dueLate fee
Less than ₹500None
Between ₹501-₹5000₹500
Between ₹5,001-₹10,000₹750
More than ₹10,001₹1200

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

Some basic criteria is mentioned below. Eligibility is based on multiple parameters, which is assessed by SBI Cards once you apply for the card.

Minimum age21 years
Maximum age70 years
Occupation Salaried , self-employed, retired pensioner
Income requirementsMinimum income not specified, should have regular source of income
Other criteriaGood credit score, preferably above 750

Application Process

Step-by-step guide

Online application processThe 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 processYou 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.

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.