Axis Bank

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Axis Atlas

travel

Axis Bank · Premium

Axis Atlas

travel 5% on Travel & Lifestyle 12 lounge visits

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The bottom line

First-year value

+₹9,700.00

incl. joining fee

Ongoing / yr

+₹9,700.00

after ₹5,000.00 fee

Fee payback

~5 mo

rewards cover the fee

Why it fits: your spend is 30% in this card's accelerated categories — strongest on Travel & Lifestyle, worth roughly 5 lounge visits worth of value.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400

₹32,960Your spend₹1,64,800

Annual reward

₹14,700

Annual fee

₹5,000

Net value

+₹9,700

View category breakdown

Travel & Lifestyle₹14,700/yr@ 5%

Reward rates

Travel & Lifestyle5 %

Key facts

Annual fee

₹5,000.00

Joining fee

₹5,000.00

Interest (p.m.)

3.4%

Forex markup

3.5%

Domestic lounge

12/yr

Intl lounge

4/yr

Fuel waiver

1% (₹400/mo cap)

Min CIBIL

750+

Welcome benefit

5,000 EDGE Miles on fee payment

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS

Parameter	Value	Note
Loan/credit product	Axis Bank Axis Atlas Credit Card	Product name
Annual Percentage Rate (APR)	40.80% p.a.	Effective cost of credit on outstanding balance
Monthly finance charge	3.40% per month on outstanding	Applied after interest-free period lapses
Interest-free period	Up to 50 days (if full due paid by due date)	No interest when bill settled in full each cycle
Annual fee / joining fee	₹5,000 joining · ₹5,000 annual	Charged on first statement and each anniversary
Minimum amount due (MAD)	5% of total outstanding or ₹200 (whichever is higher)	Paying only MAD incurs finance charge on remaining balance
Late payment charge	₹100–₹1,300 depending on outstanding amount	Levied if MAD not paid by due date
Cash advance fee	2.5% of amount or ₹500 (whichever is higher)	Plus finance charge from day of withdrawal
Forex markup fee	3.50% on international / foreign-currency transactions	Over and above the card network exchange rate
Over-limit fee	2.5% of over-limit amount or ₹550 (whichever is higher)	If spend exceeds sanctioned credit limit
Representative example	₹10,000 outstanding for 12 months at 3.40%/month = total repayable ₹12,345 (APR 40.80%)

Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.

All cards

Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The Axis Atlas Credit Card is a premium travel-focused card issued by Axis Bank, designed for frequent flyers and lifestyle spenders in India. It rewards cardholders with EDGE Miles on every transaction, redeemable against flights, hotels, and more. With complimentary lounge access and a compelling welcome benefit, it is tailored for those who travel often and spend smart.

Key benefits

Key Benefits

Welcome Bonus: Earn 5,000 EDGE Miles on payment of the joining fee.
Domestic Lounge Access: Up to 12 complimentary domestic airport lounge visits per year.
International Lounge Access: Up to 4 complimentary international airport lounge visits per year.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions, capped at ₹400 per statement month.
Travel & Lifestyle Focus: Accelerated rewards on your highest-spend categories, making every purchase count toward your next trip.

Rewards

Rewards Programme

5% reward rate on Travel & Lifestyle category spends, credited as EDGE Miles.
EDGE Miles can be accumulated and redeemed for flights, hotel bookings, and other travel-related expenses through Axis Bank's rewards platform.
Reward earning is subject to the applicable terms of Axis Bank's EDGE Rewards programme, including category definitions, spend caps, and eligible merchants.
Miles earned do not expire as long as the card remains active and in good standing (subject to programme terms).

Fees & charges

Fees & Charges

| Charge | Amount |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Finance Charge (Interest) | 3.4% per month |
| Foreign Currency Markup | 3.5% of transaction value |
| Fuel Surcharge Waiver Cap | ₹400 per statement month |

> Note: Finance charges apply when the total outstanding balance is not paid in full by the payment due date. The foreign currency markup of 3.5% applies to all international and cross-currency transactions.

Features

Card Features

Card Network: Issued under the Axis Bank credit card programme (network details subject to card variant issued).
Card Tier: Premium Travel Card.
Lounge Access: 12 domestic + 4 international lounge visits per year, subject to partner lounge availability and applicable terms.
Fuel Surcharge Waiver: 1% waiver at fuel stations, with a monthly benefit cap of ₹400.
EDGE Miles Rewards: Accelerated earning on Travel & Lifestyle categories.
Welcome Miles: 5,000 EDGE Miles credited upon payment of the joining fee.
Spend Tracking & Management: Access card statements, set limits, and manage spends via the Axis Bank mobile app or netbanking portal.

Eligibility

Eligibility Criteria

To apply for the Axis Atlas Credit Card, applicants must meet the following minimum requirements:

Minimum Annual Income: ₹9,00,000 (₹9 Lakh per annum)
Minimum CIBIL Score: 750
Age: As per Axis Bank's standard credit card eligibility norms (typically 18–70 years for primary cardholders)
Residency: Indian resident or NRI (subject to Axis Bank's NRI card policy)
Employment: Salaried or self-employed individuals who meet the income and creditworthiness criteria

> Meeting minimum eligibility criteria does not guarantee card approval. Axis Bank will assess each application based on its internal credit policy and risk assessment.

Terms

Terms & Conditions

All fees, charges, and benefits listed on this page are based on information available at the time of publication and are subject to change at Axis Bank's discretion.
Lounge access entitlements (12 domestic, 4 international per year) are subject to the terms of Axis Bank's lounge access programme and partner lounge availability.
The fuel surcharge waiver of 1% is applicable subject to a maximum benefit of ₹400 per statement month and is subject to minimum and maximum transaction value limits set by Axis Bank.
Welcome EDGE Miles of 5,000 are credited upon payment of the joining fee, subject to Axis Bank's EDGE Rewards programme terms.
The 5% reward rate applies to eligible spends in the Travel & Lifestyle category as defined by Axis Bank. Other categories may earn rewards at a different rate.
A finance charge of 3.4% per month is levied on the outstanding balance if the total amount due is not paid by the payment due date.
A foreign currency markup of 3.5% applies to all international and cross-currency transactions.
Terms and conditions apply. For the most current and complete terms, please refer to the official Axis Bank website or the Most Important Terms and Conditions (MITC) document provided at the time of card issuance.
Naxelona is a financial products marketplace and is not affiliated with or endorsed by Axis Bank. Information provided is for reference purposes only.

Frequently asked questions

What is the annual fee for the Axis Atlas Credit Card?

The Axis Atlas Credit Card has both a joining fee and an annual renewal fee of ₹5,000 each. The joining fee is charged when the card is issued, and the annual fee is charged each subsequent year. Fee waivers, if any, are subject to Axis Bank's current offer terms.

How many airport lounge visits does the Axis Atlas Credit Card offer?

The Axis Atlas Credit Card provides up to 12 complimentary domestic airport lounge visits and 4 complimentary international airport lounge visits per year. These are subject to the terms of Axis Bank's lounge access programme and the availability of partner lounges.

What is the minimum income required to apply for the Axis Atlas Credit Card?

Applicants must have a minimum annual income of ₹9,00,000 (₹9 Lakh per annum). A minimum CIBIL credit score of 750 is also required. Meeting these criteria does not guarantee approval, as Axis Bank conducts its own credit assessment.

How does the EDGE Miles reward programme work on the Axis Atlas Credit Card?

The Axis Atlas Credit Card earns EDGE Miles at a rate of 5% on eligible Travel & Lifestyle category spends. These miles can be redeemed through Axis Bank's EDGE Rewards platform for flights, hotels, and other travel expenses. Additionally, 5,000 welcome EDGE Miles are credited upon payment of the joining fee.

What is the interest rate charged on the Axis Atlas Credit Card?

If you do not pay your total outstanding balance in full by the payment due date, a finance charge of 3.4% per month is applied to the unpaid balance. To avoid interest charges entirely, it is advisable to pay the full statement balance before the due date each month.

Does the Axis Atlas Credit Card charge a foreign currency markup?

Yes, the Axis Atlas Credit Card levies a foreign currency markup of 3.5% on all international and cross-currency transactions. This fee is charged in addition to the transaction amount and should be factored in when using the card for overseas purchases or bookings in foreign currencies.