Annual fee
Annual fee
₹5,000 + GST
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Annual Benefit
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Rewards
Up to 5 miles per ₹100
EDGE Miles
Lounges
Domestic + international
See conditions below
Best for
Earning EDGE Miles on flights and hotels
Tap or click any underlined figure to see its source, check date and history.
Earning
EDGE Miles per ₹100. The travel rate applies up to ₹2,00,000 of travel spends a month.
| Spend | Rate | Cap |
|---|---|---|
| Axis Travel EDGE, airlines and hotels (direct) | Axis Travel EDGE, airlines and hotels (direct) earn rate 5 miles per ₹100Up to ₹2,00,000 of travel spends a month; 2 EDGE Miles per ₹100 above that SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab) , 5 EDGE Miles on Travel, points 1 and 4 Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | No cap |
| Other spends (including travel agents) | Other spends (including travel agents) earn rate 2 miles per ₹100 SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab) , 2 EDGE Miles on Other Spends, point 1 Checked17 Sep 2026 HistoryNo changes since we started tracking this figure. | No cap |
Earns nothing on: Spends that earn nothing Gold and jewellery, rent, wallet, government institutions, insurance, fuel, utilities and telecom SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab) Checked17 Sep 2026 HistoryNo changes since we started tracking this figure.
Milestone benefits
₹3,00,000 spends
₹3,00,000 spends
2,500 milesEDGE Miles
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Milestone Benefit, point 1
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
EDGE Miles
₹7,50,000 spends
₹7,50,000 spends
2,500 milesAdditional EDGE Miles. ₹7.5 lakh of spends in an anniversary year also upgrades the card to Gold tier (12 domestic, 6 international lounge visits)
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Milestone Benefit, point 1
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Additional EDGE Miles. ₹7.5 lakh of spends in an anniversary year also upgrades the card to Gold tier (12 domestic, 6 international lounge visits)
₹15,00,000 spends
₹15,00,000 spends
5,000 milesAdditional EDGE Miles. ₹15 lakh of spends in an anniversary year also upgrades the card to Platinum tier (18 domestic, 12 international lounge visits)
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Milestone Benefit, point 1
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Additional EDGE Miles. ₹15 lakh of spends in an anniversary year also upgrades the card to Platinum tier (18 domestic, 12 international lounge visits)
Lounges
Access rules for the primary cardholder.
Domestic
Domestic lounge visits
8 visitsSilver tier; the count includes guest visits
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Domestic & International Lounges, Silver tier
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
International
International lounge visits
4 visitsSilver tier; the count includes guest visits
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Domestic & International Lounges, Silver tier
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Fees and charges
Joining fee
Joining fee
₹5,000 + GST
SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab)
, Page 1, Affluent cards table, Joining Fee
Checked4 Nov 2026
HistoryNo changes since we started tracking this figure.
Annual fee
Annual fee
₹5,000 + GST
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Annual Benefit
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Welcome benefit
Welcome benefit
2,500 milesEDGE Miles on the first transaction within 37 days of card set-up
SourceAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
, Welcome Benefit, point 1
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
EDGE Miles on the first transaction within 37 days of card set-up
Foreign currency markupNot available
Interest
Interest
55.55% a year
SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab)
, Page 1, Affluent cards table, Interest Rate (p.a.)
Checked4 Nov 2026
HistoryNo changes since we started tracking this figure.
Late payment fee
Late payment fee
Nil below ₹500 due, then ₹500, ₹750, ₹1,200 and ₹1,300 as the amount due rises above ₹50,000; ₹100 more for each cycle after the minimum amount due is missed twice in a row
SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab)
, Page 2, Late Payment Fees table
Checked4 Nov 2026
HistoryNo changes since we started tracking this figure.
Cash withdrawal fee
Cash withdrawal fee
2.5% of the amount, minimum ₹500
SourceAxis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab)
, Page 2, Cash Withdrawal Fee
Checked4 Nov 2026
HistoryNo changes since we started tracking this figure.
Fuel surcharge waiverNot available
Fee on rent paymentsNot available
Fee on utility paymentsNot available
Fee on wallet loadsNot available
Fee on education payments via appsNot available
Every credit card side by side: annual fees, waivers and markup
Eligibility
As published by the bank. Banks may ask for more.
Income neededNot available
AgeNot available
Other conditionsNot available
History
Every change recorded for this page since we started tracking it.
- 20 Apr 2024CutRevised terms: gold, jewellery, rent, wallet, government, insurance, fuel, utilities and telecom excluded from EDGE Miles; travel rate limited to ₹2,00,000 of travel spends a monthAxis Bank Atlas Credit Card features termsPDF (opens in a new tab)
Sources
The documents behind every figure on this page.
- Axis Bank Atlas Credit Card features termsPDF (opens in a new tab) Checked 17 Sep 2026
- Axis Bank credit cards Key Fact Sheet (last updated 8 Oct 2026)PDF (opens in a new tab) Checked 4 Nov 2026
Spotted something out of date?Tell us which figure changed and where you saw it.
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