Credit Cards · Honest Review
Axis Bank Atlas Credit Card
Axis Bank · Visa
Your Verdict
- ✓5 EDGE Miles per 100 on travel spends via Travel Edge, hotels and flights, capped at 2 lakh/month
- ✓Tier-based membership (Silver/Gold/Platinum) unlocks more lounge visits and bonus miles
- ✓Up to 18 domestic and 12 international lounge visits annually at Platinum tier
- ✓EDGE Miles transferable to airline and hotel partner loyalty programs like KrisFlyer
- ✓EazyDiner dining discounts up to 800 at partner restaurants
What Axis Bank Atlas Credit Card costs you
Axis Bank Atlas Credit Card carries a ₹5,000 annual fee and a ₹5,000 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹5,000 |
| Joining fee (one-time) | ₹5,000 |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Axis Bank Atlas Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| ✈️ Travel & Flights | 5% (cap ₹2,00,000/mo) |
2,500-5,000 EDGE Miles as a welcome/activation benefit depending on channel
Reward types: Miles · Lounge
Beyond the reward rate
The non-reward benefits on Axis Bank Atlas Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 18–70 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7-10 working days |
Salaried applicants need minimum annual income of 12 lakh; self-employed need 15 lakh.
Who should (and shouldn't) get Axis Bank Atlas Credit Card
- → Heavy spenders on travel & flights who want 5% back
- → Frequent travelers who value airport lounge access
- → Low spenders who won't recover the high annual fee
- → International travelers — the 3.5% forex markup adds up quickly
Axis Bank Atlas Credit Card — Questions answered
What is the annual fee for Axis Bank Atlas Credit Card?
What is the minimum income required for Axis Bank Atlas Credit Card?
What is the reward rate on Axis Bank Atlas Credit Card for travel & flights?
Does Axis Bank Atlas Credit Card provide airport lounge access?
How long does it take to get Axis Bank Atlas Credit Card approved?
How long does it take to get Axis Bank Atlas Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.