INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official axisbank.com (Axis Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Axis Bank Ltd.Network: Visa SignatureTravel & Aviation CardsLast Verified: 2026-09-28

Axis Atlas Credit Card

एक्सिस एटलस क्रेडिट कार्ड

Dedicated air miles credit card featuring 1:2 airline partner transfer ratio, 5 EDGE Miles on flight bookings, and tiered lounge access.

Annual Fee₹5,000 + GST (Renewal: ₹5,000 + GST)

Reward Rate5 EDGE Miles per ₹100 spent directly on airline websites and hotel bookings (up to ₹2 Lakhs per month). 2 EDGE Miles per ₹100 on all other regular retail purchases.

Airport LoungeTier-based lounge access: Silver tier receives 8 domestic + 4 international lounge visits; Gold tier receives 12 domestic + 6 international; Platinum tier receives 18 domestic + 12 international airport lounge visits per year.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Axis Atlas is India's most versatile pure travel and air miles credit card. Designed specifically for travel hackers and business flyers, it introduces a tiered loyalty model (Silver, Gold, Platinum) with a powerful 1:2 transfer ratio where 1 EDGE Mile converts to 2 airline partner miles or ₹1 on direct flight bookings.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹5,000 + GST (Renewal: ₹5,000 + GST)

Fee Waiver: No fee waiver; annual renewal fee payment of ₹5,000 awards 2,500 to 10,000 bonus EDGE Miles based on qualifying tier status.

🎁Welcome Benefit

5,000 bonus EDGE Miles credited upon completing first transaction within 30 days of card issuance (worth ₹5,000 on flight bookings or up to 10,000 airline partner miles).

⚡Reward Points Structure

5 EDGE Miles per ₹100 spent directly on airline websites and hotel bookings (up to ₹2 Lakhs per month). 2 EDGE Miles per ₹100 on all other regular retail purchases.

Redemption Value: 1 EDGE Mile = 2 Partner Air Miles / Hotel Points (1:2 transfer ratio) across 15+ global partners including Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Turkish Miles&Smiles, Air France Flying Blue, and Accor Live Limitless. 1 EDGE Mile = ₹1.00 directly for flight and hotel bookings via Axis Travel EDGE.

🛫Airport & Railway Lounge Access

Tier-based lounge access: Silver tier receives 8 domestic + 4 international lounge visits; Gold tier receives 12 domestic + 6 international; Platinum tier receives 18 domestic + 12 international airport lounge visits per year.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹2.5 Crores. Emergency medical expenses overseas up to ₹15 Lakhs. Baggage loss/delay cover up to ₹55,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Tier upgrades and milestone bonuses: Earn 2,500 bonus EDGE Miles on reaching ₹3 Lakhs spend; 5,000 miles on reaching ₹7.5 Lakhs spend; 10,000 miles on reaching ₹15 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Direct airline 5X miles capped at ₹2 Lakhs spend per month. Forex markup is 3.50%. Annual fee is mandatory without spend-based waiver (though renewal awards milestone EDGE Miles).

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).

Reward Points ExpiryEDGE Miles expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹75,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹9,00,000.

Age Requirement18 to 70 Years

Minimum Income₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card eligibility on axisbank.com/atlas or via Axis Mobile app.

2Enter PAN and mobile number for algorithmic credit evaluation.

3Select Axis Atlas Credit Card and submit employment details.

4Upload identity, residence, and income verification documents.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Axis Bank branch by submitting PAN, Aadhaar, last 3 months' salary slips, and 6 months' bank statements.

Visit Official Card Page (axisbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Axis Atlas Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Axis Atlas Credit Card into EMI?

Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Axis Atlas Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Mile = 2 Partner Air Miles / Hotel Points (1:2 transfer ratio) across 15+ global partners including Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Turkish Miles&Smiles, Air France Flying Blue, and Accor Live Limitless. 1 EDGE Mile = ₹1.00 directly for flight and hotel bookings via Axis Travel EDGE. Please note: EDGE Miles expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on Axis Atlas Credit Card and how does it work?

The interest-free period on Axis Atlas Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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