M16S / Axis Bank / Axis Atlas Credit Card
premium · rewards, travel
Axis Atlas Credit Card
The Axis Atlas Credit Card costs Rs 5,000 a year. Its base return is 4% (2 EDGE Miles per Rs 100). The forex markup is 3.5%. Lounge visits in India: Silver 8, Gold 12, Platinum 18 a year (including guests). Abroad: Silver 4, Gold 6, Platinum 12 a year (including guests). Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 5,000+ GST
- Fee waived at
- —
- Base return
- 4%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Axis Bank sets Atlas foreign currency markup at 3.5% from August 2026
The Axis Atlas product page lists the dynamic currency conversion markup as 3.5% on Indian-rupee transactions abroad, revised with effect from 21 Aug 2026. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank can forfeit unredeemed EDGE points 30 days after card closure, Oct 2025
From 1 Oct 2025 Axis Bank reserves the right to forfeit unredeemed EDGE Reward Points and EDGE Miles 30 days after card closure, or when the minimum amount due is outstanding for more than 90 days. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank adds 1% fees on wallet, fuel, utility, education and gaming, Dec 2024
The MITC lists a 1% fee applicable from 20 Dec 2024 on wallet loads from INR 10,000, fuel from INR 50,000, utilities from INR 25,000 and online skill-based gaming from INR 10,000 per statement cycle, and on third-party app education payments. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank halves the Atlas welcome miles for cards sourced from April 2024
Cards sourced from 20 Apr 2024 get 2,500 EDGE Miles on the first transaction within 37 days. Cards sourced from 20 Dec 2022 to 20 Apr 2024 got 5,000 EDGE Miles within 30 days. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank caps Atlas accelerated travel miles at Rs 2 lakh a month, April 2024
From 20 Apr 2024 the ATLAS card earns 5 EDGE Miles per Rs 100 on Travel EDGE, airline and hotel spends up to Rs 2,00,000 a month, and 2 EDGE Miles per Rs 100 above that. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank caps Atlas miles transfers by partner group from April 2024
From 20 Apr 2024 EDGE Miles transfers to partners are capped at 1,50,000 a customer ID a calendar year, with at most 30,000 to Group A and 1,20,000 to Group B partners. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank Atlas drops miles on rent, fuel, utilities and more from April 2024
From 20 Apr 2024 the ATLAS card earns no EDGE Miles on gold/jewellery, rent, wallet, government, insurance, fuel and utilities spends. The same categories stop counting towards milestone spends and tier evaluation. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
- Axis Bank ends Atlas airport meet and assist and concierge from April 2024
From 20 Apr 2024 the ATLAS card loses the tier based Airport Meet & Assist and Airport Transfer benefit and the 24*7 complimentary concierge service. Source: Axis Bank, campaign.axis.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 5,000 |
|---|---|
| Annual fee | Rs 5,000 |
| Fee notes | No spend waiver. Tier-linked EDGE Miles on fee payment: Gold 2,500, Platinum 5,000, Silver none. |
Rewards
| Welcome benefit | 2,500 EDGE Miles on first transaction within 37 days of issuance (cards sourced from 20 Apr 2024); once per cardholder |
|---|---|
| Reward currency | EDGE Miles |
| Base earn | 2 EDGE Miles per Rs 100 |
| Base return | 4% |
| Point value | Re 1 per EDGE Mile on Travel EDGE and Pay by Rewards (min 500 miles); miles cannot be encashed otherwise. Transfers 1 EDGE Mile : 2 partner miles standard; 1:1 to Miles & More; 2:1 to Accor, Cathay, Qatar, British Airways, Finnair, Lotusmiles. |
| Accelerated earn | 5 EDGE Miles per Rs 100 on Travel EDGE, direct airline (MCC 3000-3350, 4511) and direct hotel (3501-3838, 7011) spend up to Rs 2 lakh a month, then 2. Travel agents/OTAs earn 2. |
| Caps | Accelerated rate on first Rs 2 lakh of travel spend a month. Transfers capped at 1,50,000 EDGE Miles a year: 30,000 Group A, 1,20,000 Group B. |
| Spends that earn nothing | Gold/jewellery, rent, wallet, government, insurance, fuel, utilities and telecom, gift cards; bridge, road and toll fees from 21 Aug 2026. Same list excluded from milestone and tier spend. |
| Points expiry | 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C) |
| Milestone benefits | 2,500 EDGE Miles at Rs 3 lakh, 2,500 more at Rs 7.5 lakh, 5,000 more at Rs 15 lakh annual spend |
| Reward notes | base_return_pct = 2 EDGE Miles per Rs 100 x 1:2 = 4 partner miles per Rs 100 at Re 1 a mile (assumption); 2% at issuer rupee value (1 EDGE Mile = Re 1, issuer page). Redemption fee Rs 99 per redemption on the EDGE portal and Rs 199 per transfer to a partner programme, plus GST (issuer page). Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer. |
Transfers
| Partnersunverified | Accor Live Limitless, Air Canada Aeroplan, Air France-KLM Flying Blue, Air India Maharaja Club, British Airways Club, Cathay, Ethiopian Airlines ShebaMiles, Etihad Guest, Finnair Plus, JAL Mileage Bank, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Royal Orchid Plus, Turkish Airlines Miles&Smiles, United MileagePlus, Vietnam Airlines Lotusmiles, Wyndham Rewards, AirAsia Rewards, Hilton Honors, IHG One Rewards, IndiGo BluChip, Lufthansa Miles & More, Orchid Rewards, The Postcard Sunshine Club, Radisson Rewards, SpiceJet SpiceClub |
|---|---|
| Ratiounverified | Issuer page: 1 EDGE Mile = 2 partner miles under the miles transfer programme. Per trackers: 1:1 to Miles & More; 2:1 to reduced-tier partners. Annual cap 30,000 EDGE Miles Group A + 1,20,000 Group B. |
Travel and perks
| Domestic lounge | Silver 8, Gold 12, Platinum 18 a year (including guests) |
|---|---|
| International lounge | Silver 4, Gold 6, Platinum 12 a year (including guests) |
| Lounge conditions | Tier by anniversary-year spend: Silver default, Gold Rs 7.5 lakh, Platinum Rs 15 lakh. No 3-month spend criterion. Issuer T&C notes the international lounge programme as 'under maintenance'. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (issuer page) |
| Other freebiesunverified | EazyDiner 25% off up to Rs 800 (aggregator). Concierge, meet-and-assist and airport transfers discontinued. |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70 (add-on 18+); net annual income Rs 12 lakh (salaried) or Rs 15 lakh (self-employed); resident of India |
| Fine-print notes | Status: Axis has made no public announcement. Cardinsider labels Atlas 'Discontinued' (page of 23 Sep 2026) and Cardtrail reports customer care confirming no new applications from early 2026; Atlas is absent from Axis's current listing menu. Existing cards keep earning. After Sep 2026 the 30,000-mile Group A cap covers KrisFlyer, Flying Blue, Air India and Qantas, so only 60,000 partner miles a year can go to those programmes. Product page read 2026-10-12 confirms fees, welcome miles, tier and milestone miles, lounge counts by tier (4/6/12 international, 8/12/18 domestic), earn rates, 3.5% forex and the Rs 99/Rs 199 redemption fees that were previously aggregator-only. Conflicts resolved from issuer page read 2026-10-12: status: old 'closed-to-new' rests on cardinsider/cardtrail -> issuer page of 2026-10-12 is still live with eligibility criteria and carries no closure notice; status left as closed-to-new and unverified because the page has no apply statement either |
Questions
- What is the annual fee of the Axis Atlas Credit Card?
- Rs 5,000 a year, before GST.
- Does the Axis Atlas Credit Card give airport lounge access?
- Yes. In India: Silver 8, Gold 12, Platinum 18 a year (including guests). Outside India: Silver 4, Gold 6, Platinum 12 a year (including guests). Conditions: Tier by anniversary-year spend: Silver default, Gold Rs 7.5 lakh, Platinum Rs 15 lakh. No 3-month spend criterion. Issuer T&C notes the international lounge programme as 'under maintenance'.
- What is the forex markup on the Axis Atlas Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Atlas Credit Card?
- Gold/jewellery, rent, wallet, government, insurance, fuel, utilities and telecom, gift cards; bridge, road and toll fees from 21 Aug 2026. Same list excluded from milestone and tier spend.