Axis Bank Atlas Credit Card

In today's blog, we will provide you with information about the Axis Bank Atlas Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:

The Axis Bank Atlas Credit Card is made for people who love to travel and want their everyday spending to be more beneficial. Instead of just giving you regular reward points, it offers Edge Miles, a travel-focused currency you can use to book flights, hotels, or even experiences through the Axis Bank Travel Edge portal. Every swipe gets you closer to your next getaway, and if you’re a frequent traveler, you’ll see those miles add up faster than you think.

One thing that makes this card stand out is its tier system- Silver, Gold, and Platinum. The more you spend in a year, the higher you climb, and with each level, you earn Edge Miles at a better rate and unlock extra perks. It’s a nice touch because it rewards loyalty and encourages you to keep the card active.

The welcome benefits are where the excitement starts. When you join, you get a solid bonus of Edge Miles, enough to make a noticeable change in your next travel booking. On top of that, you also enjoy complimentary lounge access at both domestic and international airports, so you can start your trips in comfort with free food, Wi-Fi, and a quiet space away from the crowd.

What Are The Welcome Benefits Of Axis Bank Atlas Credit Card?

• Welcome Benefit: Users will get 5000 EDGE Miles upon the first transaction within 30 days of the card.

What Are The Milestone Benefits Of Axis Bank Atlas Credit Card?

• Milestone Benefits: On spending Rs 3,00,000, 2500 EDGE Miles will be awarded, on 7,50,000 Additional 2500 EDGE Miles will be awarded, and on spending 15,00,000 additional 2500 EDGE Miles will be awarded.

  
  

What Is The Cashback Rate Of Axis Bank Atlas Credit Card?

• The value of 1 EDGE Mile is equal to INR 1. 

• Users will get 5 EDGE Miles per INR 100 spent on travel. Effective travel cashback rate: 5%

• 2 EDGE Miles per INR 100 spent on other spends. Effective general cashback rate: 2%.

  
  

What is EDGE Miles?

Edge Miles are Axis Bank’s travel-focused reward currency, designed for people who love to travel or want to get more value out of their credit card spending. When you use eligible Axis Bank cards, such as the Atlas Credit Card, every purchase you make, whether it’s on flights, hotels, dining, shopping, or even utility bills, earns you Edge Miles instead of generic reward points.

These miles can later be redeemed to book flights and hotels directly through Axis Bank’s travel portal, or you can transfer them to a wide range of airline and hotel loyalty programs to get even better deals. 

What are The Pros And Cons of Axis Bank Atlas Credit Card?

Pros:

• Great for travel lovers – You earn more reward points (called Edge Miles) when you spend on travel bookings.

• Good welcome gift – You get a big chunk of Edge Miles when you get the card and make your first transaction.

• Extra rewards for big spenders – If you spend more in a year, you unlock bonus miles and better benefits.

• Airport lounge access – Free entry to both Indian and international lounges, depending on your spending level.

• Flexible rewards use – You can use your Edge Miles to book flights/hotels or transfer them to airline partners.

• Accepted worldwide – Works anywhere Visa is accepted, with strong security features.

Cons:

• High fees – Annual fee is INR 5,000 + GST, which is only worth it if you travel and spend a lot.

• Extra charge on foreign transactions – a 3.5% fee if you use the card abroad.

• Limit on rewards – You get high reward rates only up to a certain amount of travel spending each month.

• Some spending doesn’t earn rewards – Like fuel, rent, insurance, utilities, and wallet loads.

Eligibility:

Primary cardholder between the ages of 18 years and 70 years.

An add-on cardholder should be over 18 years old

Income Criteria: (a)Salaried: Net Annual income of Rs 9 Lakhs and above. (b)Self-Employed: Net annual income of Rs 12 Lakhs & above.

Resident of India"

Network Type - Visa Signature

Premium positioning – Atlas is designed as a high-tier travel rewards card, and Visa Signature is a premium network tier that matches this positioning.

Global travel benefits – Visa Signature offers built-in perks like airport lounge access, concierge services, and international emergency assistance, which fit perfectly with the card’s travel-centric features.

Enhanced protection – The Signature tier includes higher insurance coverage, purchase protection, and extended warranties key for frequent travelers.

Wide global acceptance – Visa Signature is accepted almost everywhere in the world, ensuring seamless use during international trips.

Operational efficiency – By sticking to one premium network, Axis can streamline partnerships and customer service while delivering a consistent premium experience.

How to apply for a Credit Card?

• You can apply for the Axis Bank ATLAS Credit Card online or offline. Here are the steps on how to apply online:

• Go to the Axis Bank Credit Card website. Search for ATLAS Credit Card. 

• Click on the "Apply Now" button.

• Enter your personal details such as your name, email address, and mobile number.

• Enter your income and employment details.

• Upload a scanned copy of your PAN card and Aadhaar card.

• Select the credit limit you want.

• Click on the "Submit" button.

• An Axis Bank representative will contact you to verify your details and complete the application process.

Contact Details

1868 419 5555 & 1860 500 5555

Fees And Charges:

• Joining fees: INR 5000.

• Annual fees: INR 5000.

• Cash advance fees: Cash Withdrawal Fees: 2.5% (Min. Rs 500) of the Cash Amount.

• Late payment fees: Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200.

• Interest Rate: 3.6% per month (52.86% per annum).

  
  

Conclusion:

The Axis Bank Atlas Credit Card is built for people who genuinely love to travel and want a card that adds value to every spending they make. Right from the start, it makes a good impression with a generous welcome gift in the form of Edge Miles. These points are flexible; you can redeem them for flights, hotel stays, or even transfer them to airline partners, which means you’re not bound to a single platform or brand.

One of its standout features is the tier system: Silver, Gold, and Platinum. The more you spend in a year, the higher your tier, and the better your perks get. The rewards are extra miles, better offers, and more travel benefits. For frequent travelers, this structure can be very rewarding because your loyalty to the card directly translates into bigger savings and more comfort on your trips.

Then there’s the lounge access, both domestic and international. Having a quiet, comfortable space to relax before a flight is a luxury you'll get used to, and this card gives you that. Plus, it offers accelerated rewards when you spend on travel bookings, which is great if flights and hotels are a regular part of users' lives.

Of course, this isn’t a one-size-fits-all card. The annual fee of INR 5,000 plus GST means you need to make use of the perks to get your money’s worth. If you don’t travel much, the benefits might not feel as valuable. Some everyday expenses like fuel, rent, or utilities don’t earn much in rewards, and the 3.5% foreign currency markup is something to keep in mind if you often use your card abroad.

If you want to know the unbiased AI score of the Axis Bank Atlas Credit Card, read their detailed review, click here.