Axis Bank Atlas Credit Card

Axis Bank · ₹5,000 a year

Axis’s travel card: 5% in miles on flights and hotels booked direct, with tiers that reward ₹7.5 lakh and ₹15 lakh a year.

Base rate: 2% as EDGE Mile.

What the bank says

• 5 EDGE Miles per ₹100 on flights and hotels booked direct or on Axis Travel EDGE, on up to ₹2 lakh a month
• 2 EDGE Miles per ₹100 on other spends; 1 EDGE Mile = ₹1 on Travel EDGE
• Up to 10,000 milestone miles a year, at ₹3 lakh, ₹7.5 lakh and ₹15 lakh of spend
• Silver, Gold and Platinum tiers with more lounge visits and up to 5,000 miles on the annual fee
• Miles transfer to airline and hotel partners at 1 EDGE Mile = 2 partner points

Where it pays more

• 5% on flights and hotels booked direct or on Axis Travel EDGE (5 EDGE Miles per ₹100, on up to ₹2 lakh a month)

Things that catch people out

• EDGE Miles cannot be taken as cash, so this card is ranked only if you tell us you redeem points for flights and hotels.
• We assume about 70% of your travel spend is flights and hotels booked direct or on Travel EDGE. Travel agents, trains and cabs earn the standard 2 miles.
• Tier miles are paid when the next annual fee is paid, based on the previous year’s spend.
• Utilities, insurance, rent, fuel, wallets, gold and government payments earn nothing and do not count toward milestones or tiers.
• The 2,500 welcome miles are not in our figure.
• Axis charges ₹99 per redemption and ₹199 per transfer to a partner programme.

Joining fee: ₹5,000. Foreign currency markup: 3.5%.

Read from Axis Bank’s own page on 2026-09-16.

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