Axis Bank Atlas Credit Card
The card that travels with you
Annual Fee
₹5,000
Base Rewards
2.0%
Forex Fee
3.5%
Expert Verdict
The Axis Atlas is currently one of the most powerful travel cards in India due to its unique 1:2 transfer ratio. It effectively bridges the gap between mid-range and super-premium cards by offering high value to those who spend significantly on travel.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹12,000
Includes ₹5,000 bonus
Year 2+
+₹7,000
Why get this card
Exceptional 1:2 transfer ratio to major airline and hotel partners (1 EDGE Mile = 2 Partner Points)
High reward rate of 5% on direct airline and hotel bookings
Tiered benefit system (Silver, Gold, Platinum) that rewards higher annual spends with more lounge access and bonus miles
Premium metal card construction with low foreign currency markup of 3.5%
Watch out for
No annual fee waiver based on spend; renewal fee is mandatory but offset by bonus miles
Significant list of excluded categories for rewards including fuel, rent, utilities, and insurance
The 1:2 transfer ratio is capped based on the tier and specific partner groups
Who is this card for?
Best for
frequent traveler
Travelers who book directly with airlines and hotels and prefer transferring points to partners like Accor, Singapore Airlines, or Air France-KLM.
Min: ₹60,000/mo
Skip if you're
low spender
Users spending less than ₹3 Lakhs annually will not benefit from the tiered upgrades or milestone bonuses.
Base Earning
2 EDGE Miles
per ₹100 spent
2.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
TRAVEL
2.5×
5% return
Welcome Offer
5,000 EDGE Miles credited on the first transaction within 30 days of card issuance.
5,000
points
₹5,000
value
Spend ₹1 within 30 days
Milestones
Spend ₹3.0L
Bonus EDGE Miles on reaching 3L annual spend
Spend ₹7.5L
Additional Bonus EDGE Miles and upgrade to Gold Tier
Spend ₹15.0L
Additional Bonus EDGE Miles and upgrade to Platinum Tier
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank
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