Axis Bank Atlas Credit Card Review

Axis Bank Atlas Credit Card Review

Axis Bank Atlas Credit Card Review

Axis Bank has very many premium and super premium credit cards and also the Atlas Credit Card which serves multiple segments at once: from travel to super premium (or) even an Ultra premium segment, based on spends.

Axis Bank Atlas Credit Card is one of a kind, quite unique the way it works but at the same time looks complicated for most. That said, here’s a simple guide to help you understand it better and use it effectively, if you choose to apply for one.

Table of Contents


TypeTravel Credit Card
Reward Rate2% to 10%
Annual Fee5,000+GST
Best forDirect Hotel & Airline Spends
USPTiered benefits based on spends

Axis Bank Atlas credit card has been recently face-lifted by increasing the regular reward rate and adding more spend categories that earns accelerated rewards.

Ideally its best suited for those who pay a lot of hotel bills (or) airline charges. But it can also be used for other benefits. Let’s begin with the fee.


Joining Fee5,000 INR+GST
Welcome Benefit5000 Edge Miles (10,000 INR value easily)
Renewal Fee5,000 INR+GST
Renewal Benefit2,500 Edge miles (Silver)
5,000 Edge miles (Gold)
10,000 Edge miles (Platinum)
Renewal Fee waiverNil

The welcome benefit of 5K edge miles can be transferred to ITC (among others) and can be redeemed for 10,000 INR worth of stay, food, etc at ITC hotels.

That means you’re paying 5K and getting 10K value – doubling the value of your money just like that.

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There are more partners with a good conversion rate and we’ll explore them later below.

While there is no renewal fee waiver option on this card, the good thing about the Atlas Credit Card is that it gives better renewal benefit if you spend more during the card anniversary year.

The renewal benefit is quite lucrative, especially with the platinum tier. But remember that even gold tier is sufficient to get 2X value of the renewal fee paid.


Axis Atlas Credit Card Design

The design looks not only neat, simple and beautiful but also relevant to the type of card, so is the choice of name: Atlas.

If you’ve had the card in hand, you would agree that the card looks and feels as good as you see in the image above.


Unlike all other Axis Credit Cards, Axis Atlas doesn’t earn “Edge Rewards”, but it earns “Edge Miles”.

It’s a separate miles balance that reflects on the Axis Edge Rewards account and is not linked with any other product so far.

Regular Spends2 / 100 INR2%~4%
Axis Travel Edge Portal5 / 100 INR5%~10%
Airlines & Hotels (Direct)5 / 100 INR5%~10%

It is to be noted that if you intend to pre-pay for flights/hotels using travel edge portal, Axis Magnus is a lot better option than Atlas Credit Card.


There are multiple options to redeem edge miles, broadly divined into two, as below:

  • Redeem on Travel Edge portal: 1:1 (for flights/hotels)
  • Transfer Edge miles to airline/hotel partners

While redeeming on travel edge portal is the super simple option with a static value, we don’t get great value there.

Instead, one can transfer the points to airlines and hotels and get pretty good value. Here’s a quick look at the transfer ratio.

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AirlineConversion Rate (Edge Miles:Partner Miles)
All Airlines*1:2
Hotels: IHG & ITC1:2
Hotel: Marriot Bonvoy2:1