Axis Atlas Credit Card
Axis Atlas Credit Card is a premium travel-focused card offering accelerated reward points, flight and hotel benefits, milestone rewards, and an excellent point-to-mile conversion for frequent domestic and international travellers.
About Axis Atlas Credit Card
Axis Atlas is a leading travel credit card in India, especially for users who prefer an airline-neutral rewards program. The card allows customers to earn accelerated EDGE Miles on travel-related spending, which can later be converted into loyalty points of more than 20 airline and hotel partners at a 1:2 ratio. Travellers also have the option to redeem miles directly on Axis Bank’s Travel EDGE platform, where each EDGE Mile holds a value of Re. 1. In addition, Axis Atlas follows a tier-based rewards system that offers extra lounge visits and bonus miles as cardholders progress through higher annual spending tiers.
Despite offering a strong return on travel expenses, the card has certain limitations. Transfer partners are divided into Group A and Group B, each with its own redemption cap, which may restrict high-volume mileage transfers. Accelerated earnings on travel are also capped at monthly spends of Rs. 2 lakh, suitable for average users but limiting for frequent or high-budget travellers. Another drawback is the relatively steep forex mark-up fee of 3.5%, which can make international usage more expensive compared to other travel-focused cards.
Overall, Axis Atlas is a powerful option for reward-focused travellers, but it is most beneficial for those whose spending patterns align with its earning caps and transfer structure.
Rewards Program
Reward Earning
Axis Atlas offers a tiered earning structure that rewards travellers more generously:
Earn 5 EDGE Miles per Rs. 100 on monthly travel spends up to Rs. 2 lakh
Earn 2 EDGE Miles per Rs. 100 on monthly travel spends beyond Rs. 2 lakh
Earn 2 EDGE Miles per Rs. 100 on all other categories of spending
This earning model ensures that frequent travellers accumulate miles quickly, especially within the first Rs. 2 lakh of monthly travel expenses.
Reward Redemption
You can redeem the EDGE Miles earned on the Axis Atlas Credit Card in two major ways:
1. Travel EDGE Redemption
Redeem miles directly on the Axis Travel EDGE platform for flights, hotels, and travel experiences at a fixed rate of:
1 EDGE Mile = Re. 1
This offers straightforward and flexible redemption without being tied to any specific airline.
2. Points-to-Miles Conversion
Convert accumulated EDGE Miles into loyalty points or miles with 20+ airline and hotel partners.
The conversion structure is:
1 EDGE Mile = 2 partner miles/points
For Marriott Bonvoy, the rate is 2 EDGE Miles = 1 Bonvoy point
Annual Redemption Cap
Cardholders can transfer a maximum of 1.5 lakh EDGE Miles per year, distributed as follows:
Up to 30,000 EDGE Miles for Group A partners
Up to 1,20,000 EDGE Miles for Group B partners
This system allows users to extract high value from their travel spends while enjoying flexibility across global loyalty programs.
Other Travel Benefits
Tier-Based Benefits
Axis Atlas Credit Card offers additional travel privileges through a tier-based rewards model. Your tier is determined by total spends made during your card anniversary year. As you move up the tiers, the value of bonuses and lounge access increases, making the card more rewarding for frequent travellers and high spenders. The three tiers are:
Silver Tier: Achieved at annual spends of Rs. 3 lakh
Gold Tier: Achieved at annual spends of Rs. 7.5 lakh
Platinum Tier: Achieved at annual spends of Rs. 15 lakh
Once you qualify for a tier, you unlock the following benefits:
Silver Tier Benefits
4 complimentary international lounge visits per year
8 complimentary domestic lounge visits per year
2,500 bonus EDGE Miles as a milestone reward
Gold Tier Benefits
6 complimentary international lounge visits per year
12 complimentary domestic lounge visits per year
2,500 EDGE Miles as a milestone benefit
Additional 2,500 EDGE Miles as an annual benefit
Platinum Tier Benefits
12 complimentary international lounge visits per year
18 complimentary domestic lounge visits per year
5,000 EDGE Miles as a milestone reward
Additional 5,000 EDGE Miles as an annual benefit
Welcome Benefit
New cardholders earn 2,500 bonus EDGE Miles upon activating the card and completing the first transaction within 37 days of card issuance.
Axis Atlas Credit Card Reward Points & Cashback Calculator
Reward Points Calculator
Axis Atlas: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 5,000 + Taxes | ||||||||||
| Annual Fee | Rs. 5,000 + Taxes | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Charges |
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Comparison: Axis Magnus vs. Axis Magnus for Burgundy
| Credit Card | Axis Magnus Burgundy | Axis Magnus |
|---|---|---|
| Annual Fee | Rs. 30,000 + Taxes | Rs. 12,500 + Taxes |
| Annual Fee Waiver | On annual spends of Rs. 30 Lakh | On annual spends of Rs. 25 Lakh |
| Miles Conversion Ratio | 5:4 | 5:2 |
| Annual Capping on Miles Conversion | 10 Lakh points | 5 Lakh points |
| Annual Capping for Group A | 2 Lakh points | 1 Lakh points |
| Annual Capping for Group B | 8 Lakh points | 4 Lakh points |
| Airport Meet & Greet Services | 4 per year | Nil |
| Welcome Benefit | 1 voucher worth Rs. 5,000 from Luxe gift card, The Postcard Hotels or Yatra | Luxe gift card or The Postcard Hotels gift voucher worth Rs. 12,500 |
Savings on Axis Atlas Credit Card
Axis Atlas Credit Card allows users to accumulate a substantial number of EDGE Miles, especially on travel-related expenses. These miles hold a value of Re. 1 each when redeemed for flight, hotel, or experience bookings through Axis Bank’s Travel EDGE platform. The total savings you can unlock depend on your annual spending and the tier you qualify for under the card’s milestone-based reward system.
Below is an overview of how EDGE Mile earnings vary across different tiers and how travellers can maximise value with consistent monthly spending.
Silver Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
|---|---|---|
| Online shopping | 1,00,000 | 2,000 |
| Grocery | 45,000 | 900 |
| Travel (5 EDGE Miles/Rs. 100) | 1,20,000 | 6,000 |
| Offline shopping | 20,000 | 400 |
| Entertainment | 15,000 | 300 |
| Bonus Points (Milestone) | – | 2,500 |
| Total | 3,00,000 | 12,100 |
Gold Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
|---|---|---|
| Online Shopping | 2,70,000 | 5,400 |
| Grocery | 1,00,000 | 2,000 |
| Travel (5 EDGE Miles/Rs. 100) | 2,50,000 | 11,000 |
| Offline Shopping | 70,000 | 1,400 |
| Entertainment | 60,000 | 1,200 |
| Bonus Points (Milestone) | – | 5,000 |
| Bonus Points (Annual) | – | 2,500 |
| Total | 7,50,000 | 28,500 |
Platinum Tier
| Category | Total Spending (in Rs.) | EDGE Miles Earning |
|---|---|---|
| Online shopping | 5,00,000 | 10,000 |
| Grocery | 3,00,000 | 6,000 |
| Travel (5 EDGE Miles/Rs. 100) | 3,00,000 | 12,000 |
| Offline shopping | 2,00,000 | 4,000 |
| Movies | 50,000 | 1,000 |
| Health and Wellness | 1,50,000 | 3,000 |
| Bonus Points (Milestone) | – | 10,000 |
| Bonus Points (Annual) | – | 5,000 |
| Total | 15,00,000 | 51,000 |
Since you qualify for the Platinum Tier, you automatically receive the milestone benefits from all three tiers—Silver, Gold, and Platinum. This gives you 2,500 EDGE Miles from Silver, 5,000 EDGE Miles from Gold, and 10,000 EDGE Miles from Platinum, resulting in a total milestone earning of 17,500 EDGE Miles.
Things to Know Before You Apply
Get this card if:
You prefer a travel card that isn’t tied to any single airline or hotel brand and want strong value across all types of travel spends.
You don’t require benefits in lifestyle, shopping, or dining categories and want a purely travel-focused rewards card.
You travel frequently within India and can comfortably maximise lounge access and EDGE Mile redemptions.
Your yearly spending is high enough to help you reach the Gold or Platinum Tier, allowing you to unlock additional rewards, milestone bonuses, and enhanced lounge access benefits.
Steps to Close Axis Atlas Credit Card
If you plan to deactivate your Axis Atlas Credit Card, it is important to follow the official closure process defined by Axis Bank to ensure a smooth and secure experience.
Evaluate Your Decision
- Before proceeding, review the reason for closing your card. Common reasons include high annual fees, low usage, or switching to another credit card. Also, keep in mind that closing an older card may impact your credit score and credit history.
Clear All Outstanding Dues
Ensure that your credit card account has no pending balance. Pay all dues, including:
- Total outstanding amount
- EMIs or installment payments
- Interest charges
- Late fees or penalties
The bank will process your closure request only after confirming that all dues are fully cleared.
Submit Closure Request
You can initiate the closure request through multiple channels such as:
- Internet banking or mobile banking
- Customer care support
- Email or written request to the bank
While submitting the request, you may need to provide:
- Full name of the cardholder
- Last four digits of your credit card
- Registered mobile number or email ID
Confirm the Request
- After submitting your request, ensure you receive confirmation via SMS or email stating that your closure request has been successfully registered or completed.
Avoid Using the Card
- Do not use the credit card after initiating the closure request, as any new transaction may delay or cancel the process.
Dispose of the Card Safely
Once the closure is confirmed:
- Cut the card diagonally across the chip and magnetic strip
- Dispose of it securely to prevent misuse
Verify Credit Report
- After a few weeks, check your credit report to ensure that the account status is updated as “Closed”
- If you notice any discrepancy, report it immediately to Axis Bank or the concerned credit bureau
Important Points to Remember
- Cancel all auto-debits, subscriptions, and recurring payments linked to the card
- Redeem any unused reward points before closing the account, as they may expire afterward
- Keep a record of all communication and acknowledgements for future reference
- Monitor your account until the closure process is fully completed
Axis Atlas Credit Card Helpline Number
If you need assistance regarding your Axis Atlas Credit Card, you can connect with the customer support team of Axis Bank. The bank provides support for billing concerns, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Helpline Numbers
- Toll-Free Numbers
- Alternate Numbers (Chargeable)
WhatsApp Banking Support
You can also use WhatsApp banking for quick assistance.
- Send “Hi” to 7036165000 from your registered mobile number
This service allows you to access basic banking features along with instant support
SMS Banking Services
To check your account balance:
- Send BAL to 56161600 or 9951860002 from your registered mobile number
Other Support Channels
Axis Bank also offers multiple additional support options, including:
- Missed call banking services
- SMS-based assistance
- NRI customer support
- Branch and ATM locator services
- Complaint and grievance redressal
- Fraud reporting and security support
- Do Not Call (DNC) service requests
Services Available
- Assistance with billing and transaction-related queries
- Support for payments and credit card statement issues
- Help in reporting and blocking lost or stolen cards
- Requests for card replacement or reissue
- Guidance for credit card closure or cancellation
- General banking and account-related assistance
Important Points
- Always use official contact channels for secure communication
- Keep your registered mobile number and card details ready for verification
- Never share sensitive information such as OTP, PIN, or CVV
- Always note your complaint or reference number for future tracking and follow-up
FAQs
How many tier memberships are available with the Axis Atlas Credit Card?
Axis Atlas offers three tier-based memberships—Silver, Gold, and Platinum—depending on annual spending.
Silver Tier: Achieved at Rs. 3 lakh annual spends
Gold Tier: Achieved at Rs. 7.5 lakh annual spends
Platinum Tier: Achieved at Rs. 15 lakh annual spends
Higher tiers unlock additional benefits, including extra complimentary lounge visits and higher milestone and annual bonus EDGE Miles.
What is the difference between Axis Atlas Credit Card and Axis Select Credit Card?
Axis Atlas is a travel-centric credit card that rewards users with EDGE Miles, which can be redeemed at a 1:2 ratio for partner air miles or hotel loyalty points, or at a 1:1 value for travel bookings via the Travel EDGE platform.
Axis Select, on the other hand, is a lifestyle-oriented credit card offering EDGE Reward Points. These points carry a lower redemption value—typically Rs. 0.20 per point in the rewards catalogue—and convert to partner loyalty programs at a 10:1 ratio, making Atlas far more rewarding for travellers.
Is Axis Atlas Credit Card worth it for a spend of Rs. 4–5 Lakh?
Yes. With annual spends of Rs. 5 lakh, cardholders qualify for the Gold Tier, gaining access to:
12 domestic and 6 international lounge visits
Up to 5,000 EDGE Miles in milestone and annual benefits (worth Rs. 10,000 when transferred to partner programs at 1:2 value)
2 EDGE Miles per Rs. 100 spent across most categories
For frequent travellers, this level of spending can unlock strong value through lounge access, milestone rewards, and flexible travel redemptions.
What are the milestone benefits of Axis Atlas Credit Card?
Milestone benefits depend on the tier achieved during an anniversary year:
Silver Tier (Rs. 3 lakh spends): 2,500 EDGE Miles
Gold Tier (Rs. 7.5 lakh spends): 2,500 EDGE Miles + 2,500 annual benefit Miles
Platinum Tier (Rs. 15 lakh spends): 5,000 EDGE Miles + 5,000 annual benefit Miles
All milestone and annual Miles together significantly boost total reward value for high spenders.
What is the eligibility criteria for Axis Atlas Credit Card?
To apply for Axis Atlas, applicants must meet the following:
Age: 18 to 70 years
Occupation: Salaried or self-employed
Minimum income: Rs. 12 lakh per annum for salaried applicants and Rs. 15 lakh per annum for self-employed individuals