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Axis Atlas Credit Card
Axis Atlas is the bank's mainstream travel-miles card and the natural successor to its now-discontinued Vistara co-brand cards — 5% accelerated EDGE Miles on travel bookings through the Travel EDGE portal, tiered lounge access that grows with spend, and transferability to partner airline/hotel loyalty programs. At a flat ₹5,000 fee with no spend-based waiver, it's aimed at frequent domestic and international travelers who will actually redeem miles for flights or hotels rather than cash them out.
Annual fee
₹5,000
Joining fee
₹5,000
Reward type
miles
Base reward rate
2%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel. It's worth the annual fee mainly if your miles value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: 5% accelerated EDGE Miles on flight/hotel bookings via the Travel EDGE portal, and miles transferable to 20+ airline/hotel loyalty partners
- Domestic lounge access: 8 domestic lounge visits/year at Silver tier, rising to 12/year at Gold (₹7.5L spend) and 18/year at Platinum (₹15L spend)
- International lounge access: 4 international lounge visits/year at Silver tier, rising to 6/year at Gold (₹7.5L spend) and 12/year at Platinum (₹15L spend), via Priority Pass
Benefits by category
- ✈️ Travel
5% reward rate · Complimentary domestic and international airport lounge access, with visit counts increasing across Silver/Gold/Platinum spend tiers (starts at 8 domestic + 4 international visits at Silver tier)
- 🏨 Hotel
EDGE Miles can be transferred to partner airline and hotel loyalty programs via the dedicated Travel EDGE portal
- ⛽ Fuel
1% fuel surcharge waiver on eligible fuel transactions in India
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: No fee to transfer EDGE Miles to airline/hotel partners; other redemption modes may carry a lower effective value
- Foreign currency markup: 3.5%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 2,500 EDGE Miles credited as a welcome benefit on the first transaction within 37 days of issuance
- Complimentary domestic and international airport lounge access, with visit counts increasing across Silver/Gold/Platinum spend tiers (starts at 8 domestic + 4 international visits at Silver tier)
- 1% fuel surcharge waiver on eligible fuel transactions in India
- Milestone EDGE Miles on annual spend: 2,500 at ₹3L, a further 2,500 at ₹7.5L and a further 5,000 at ₹15L (up to 10,000), plus tier anniversary miles of 2,500 (Silver/Gold) or 5,000 (Platinum)
- EDGE Miles can be transferred to partner airline and hotel loyalty programs via the dedicated Travel EDGE portal
Pros
- + Strong 5% accelerated EDGE Miles on travel spend via the Travel EDGE portal, direct airlines and direct hotels
- + Meaningful 2,500 EDGE Miles welcome bonus on the first transaction
- + Spend milestones at ₹3L, ₹7.5L and ₹15L add up to 10,000 bonus EDGE Miles a year, plus tier anniversary miles
- + Miles transfer to partner airline and hotel loyalty programs, adding redemption flexibility
- + Lounge access scales with spend tier, starting at 8 domestic + 4 international visits at Silver
Cons
- − 3.5% forex markup is high for a travel-oriented card; several competitors offer 1.5–2%
- − No annual fee waiver on spend — the ₹5,000 fee is fixed every year regardless of usage
- − Base 2% reward rate outside the travel category is unremarkable
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