Axis Bank has launched a new credit card under the category of travel- Axis Bank Atlas Credit Card. This is a sub-premium card which comes with a joining fee of Rs. 5,000 + taxes annually. Unlike most other Axis Bank credit cards, you do not earn Edge Reward Points on the Atlas Credit Card. Instead, you earn EdgeMiles which are redeemable for cashback or can be transferred to programs like partner airlines’ frequent flyer.

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Axis Bank Launches New Travel Credit Card- Axis Bank Atlas Credit Card

See Also: Best Travel Credit Cards in India 2024

Axis Bank Atlas Credit Card Features & Benefits

As mentioned above, Axis Bank Atlas Credit Card is a travel credit card in the sub-premium range, therefore, apart from the earning Miles against spends on the card, you are offered with various other benefits such as Welcome Miles, additional Miles upon reaching a predetermined amount of spends as milestone, accelerated Miles on foreign currency transactions and many more. Listed below are the key features of Axis Bank Atlas Credit Card –

    • Welcome Benefit:  5,000 Miles worth up to Rs. 5,000 upon joining card membership on completing atleast three successful transactions with the card within 2 months of credit card issuance.
    • Reward Rate: 5 Miles on every Rs. 100 on travel spends, 2x Miles on foreign currency transactions and 1 Mile on every Rs. 100 on all other spends.
    • Membership Tiers: Axis Bank Atlas Credit Card membership is available in three tiers which are Silver, Gold and Platinum Tier. Initially, a new cardholder starts with a Silver Tier, the membership gets upgraded to Gold Tier upon reaching an annual expenditure of Rs. 7.5 lakhs and it further gets updated to Platinum tier after reaching an annua, spend of Rs. 15 lakhs in a year. In case a cardholder is unable to spend the minimum threshold amount for a given tier, their membership is downgraded as per the following table-
Existing Tier Downgraded Tier
Sliver N/A
Gold Silver
Platinum Gold (for spend
    • Annual Benefit: Axis Bank Edge Credit Cardholders get Bonus Edge Miles every year the card membership is renewed. The number of Bonus Edge Miles credited as annual benefit varies depending upon the membership tier-
Membership Tier Edge Miles Credited Annually
Silver 2,500
Gold 5,000
Platinum 10,000
    • Milestone Benefits: Upon achieving certain stipulated milestone spends, a cardholder gets Bonus Edge Miles.
Spend Milestone No. of Edge Miles
Rs. 3 lacs 2,500
Rs. 7.5 lacs 5,000
Rs. 15 lacs 10,000

Axis Bank Atlas Credit Card Partner Airlines

Alternatively, the Miles can also be transferred to partner airlines’ frequent flyer programs as per the following table-

Partner Program Conversion Ratio- Edge Miles : Partner Miles
Air Asia 1:2
Ethiopian Airlines 1:2
Air Vistara 1:1
Turkish Airlines 1:2

    • Airport Benefits: You get complimentary lounge access for both domestic and international airports along with  airport concierge, airport pickup and drop services with the Axis Atlas Credit Card. The number of complimentary lounge visits is different for different tiers of cardholders-
Membership Tier No. of Domestic Airport Lounge Visits No.of International Airport Lounge Visits
Silver 8 4
Gold 12 6
Platinum 18 12
Membership Tier No. of Domestic Airport Lounge Visits No.of International Airport Lounge Visits
Silver 8 4
  • Dining Delights: Delights Programs gives the cardholder gets up to 20% with over 4000 partnered restaurants with Axis Banks Dining Delights Program.

Axis Bank Atlas Credit Card Fees and Charges

  • Annual Fee: You have to pay Rs. 5,000 (plus GST) for the Axis Bank Atlas Credit Card at the time of joining the card as an annual membership fee and every year the membership is renewed.
  • Forex Mark-up: You are charged a foreign exchange mark-up rate of 3.5% of the transacted value on all foreign currency transactions by the card.
  • Cash Withdrawal Fee: A cash withdrawal fee of  2.5% of the withdrawn amount is charged on cash withdrawals with the card at ATMs.
  • Add-on Card Fee: You can get an add-on credit card with your Atlas Card without paying any additional fee.
  • Fuel Surcharge: Fuel surcharge of 1% as applicable on fuel transactions is waived off for transactions in between Rs. 400 to Rs. 4,000 (max waived amount capped at Rs. 400 per statement cycle).

Bottom Line

With the launch of the Atlas Credit Card, Axis Bank is trying to attract new customers who are looking for a generic travel credit card, as most of the travel credit cards currently offered by Axis Bank are co-branded cards. The bank also seems to be pushing its existing cardholders to spend more on travel as the bank recently launched its Travel Edge Portal, where Axis Bank cardholders can book flight tickets and make hotel reservations. The bank has also started offering 5x Edge Reward Points on travel spends via Travel Edge on the Magnus Credit Card which is one of the most popular credit cards by the bank in the super-premium segment.

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