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Axis Atlas Credit Card Detailed Review – 2023

Axis Atlas Credit Card

Axis Bank earlier this year launched the Axis Atlas credit card targeting frequent flyers. Now silently it has done an Axis Magnus to the Axis Atlas credit card i.e. a revaluation to improve the base reward rate. This move has significantly increased the card’s proposition.

Axis Atlas credit card revolves around airmiles and focuses on travel benefits. The card has a tiered benefit structure. i.e the more you spend more benefits you get. Further, Axis Bank has significantly expanded its list of transfer partners and is undoubtedly the best in the country at the moment.

So does this card score well and should you apply for one? Read to find out.

Axis Atlas Credit Card

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Fees and Eligibility:

  • Joining fees and annual fees INR5000 + GST. No fee waiver based on spends

Rewards and Benefits:

  • Joining Benefit:
    • 5000 EdgeMiles on completing 3 transactions within 60 days.
  • Recurring Benefits:
    • Up to 10000 EdgeMiles depending on tier achieved. Tier is linked to annual spending.
  • Reward Points:
    • Standard Reward Rate: 1 2 EdgeMile on every INR100 spent. 1 EdgeMile= INR 1(2% reward rate). This is the change made recently and has improved the card’s proposition.
    • Accelerated Reward Rate:
      • 5 EdgeMiles on every INR100 spent on travel (airline/hotel website or TravelEdge Portal). Not applicable on websites such as MMT, GoIbibo etc.
    • Lounge Access:
      • Domestic: 8-18 domestic lounge access depending on Tier.
      • International: 4-12 international lounge access depending on Tier.
    • Airport Concierge Service: 2-4 complimentary end-to-end VIP services at airports within India.
    • Airport pickup Service: 2 complimentary airport pickup services for the Platinum Tier.
    • EdgeMiles can be converted into airmiles of various airlines.
      • Transfer Partners: Long list of transfer partners is shared below. However, the Marriott transfer ratio is odd at 2:1 i.e for 2 EdgeMiles only 1 Marriott point. For Air Vistara it’s at a 1:1 ratio (sad).
    • EdgeMiles can be redeemed at 1 point = INR 1 on the Axis TravelEdge portal for flight and hotel bookings. EdgeMiles can only be redeemed on the TravelEdge portal nowhere else.

What is a Tier in Axis Atlas credit card?

Axis Atlas credit card has 3 tiers: Silver (Base level), Gold and Platinum tier. This is similar to many airline and hotel loyalty programs, where the holder in the higher tier gets more benefits. Similarly, in the Axis Atlas credit card, the tier depends on your spending level. Silver Tier is the base tier you start with; whereas on spending 7.5lk in a year, you get into Gold Tier. Similarly, on spending 15lk a year, you get into the top tier- Platinum tier. Below is a snapshot of the tiers and the benefits. In the Platinum tier, apart from the benefits mentioned below, you also get 2 airport pickup services.

Axis Atlas Tiers

Another thing about this tiered structure is; say you applied for the card in Feb-2022 and spend 15lk by September 2022. You will be in Platinum Tier until Feb-2024. This is because in the second year i.e. Feb-2023 your tier will be decided based on your last year’s spend and will continue till Feb-2024.

How does Axis Atlas credit card compares with other cards?

I tried comparing the Axis Atlas credit card with a few other credit cards that offer points transfer to airlines. Below is the calculator for you to play around with the numbers.

For spends of up to ~2.4lk Amex MRCC(Apply Now) will give the best benefits on conversion to airmiles. Similarly, for spends of up to ~4.8lk Amex Platinum Travel(Apply Now) is the best for airmiles. It’s only for spends of ~7lk and above the Axis Atlas credit card starts becoming a solid credit card for airmiles accumulation. Please note, I am not comparing the Axis Atlas with the Axis Magnus, since Axis Magnus will beat Axis Atlas hands down.

A few things that stand out for Axis Atlas credit card are

  • With 2 EdgeMiles per 100 spent, the base reward rate is at 2%. Which is very good indeed.
  • Reward rate below 7.5lakh annual spend is very mediocre even for airmiles transfer. It improves as you get into the Gold and Platinum tier.
  • To get the maximum benefit from this card, one has to spend on airline tickets or hotel bookings. Thus, if you don’t travel frequently but want to convert points into airmiles for a vacation, there are other better cards than Axis Atlas.

Where does Axis Atlas credit card scores?

Base reward rate of 2%

When I wrote about the Axis Atlas credit card, one of the grouse I had was a low reward rate on non-travel spending. However, with recent changes (2 EdgeMiles per 100 spent) Axis has taken care of that grouse. Now, even the worse case reward rate on this card is at 2%, which is very good.

Multiple airlines/hotel transfer partners with a good conversion ratio

Axis Atlas transfer partners are listed below. This kind of long list of transfer partners is generally seen only with Amex and Citi cards. The transfer partner list is undoubtedly the best in the country at the moment.
Axis Magnus Transfer Partners
The good thing with the multiple transfer option is that the cardholders are in control of their points and can actually plan their travel and stay the way they like.

Accelerated miles on travel spends

Given the nature of the credit card, it was obvious that it gives accelerated reward points on travel spending. You get 5 EdgeMiles for spending done on the airline’s website and Axis’s TravelEdge portal.  The best part is there is no upper cap on the accelerated reward points like the way HDFC has on Infinia and DCB.

Free lounge access is also applicable to guests 

The domestic and international lounge access is applicable for the primary cardholder as well as accompanying guests. This is a godsend especially when the other person doesn’t have lounge access. Further, since the number of lounge access is based on your tier, Axis Bank is making sure that people don’t take this credit card just for the lounge access. This is a good thing for genuine users and ensures the product feature remains for a long time.

Tier achieved this year stays for next year too

As explained above, say you applied for the card in Feb-2022 and spend 15lk by September 2022. You will be in Platinum Tier until Feb-2024. This is because in the second year i.e. Feb-2023 your tier will be decided based on your last year’s spend and will continue till Feb-2024.This is thoughtful of Axis Bank as once you get into a higher tier; you remain in that tier for 12 months, at the least, to enjoy the benefits.

Where does the Axis Atlas credit card lag?

No multiplier reward points on Axis Edge portal

Given that the Axis Atlas credit card gives you EdgeMiles and not EdgeRewards. You don’t get accelerated reward points for spending on Graddeals and GiftEdge. Nonetheless, you can still opt for cashback in place of accelerated reward points.

Insurance spend above 5k won’t earn EdgeMiles

Axis Atlas credit card won’t earn EdgeMiles on insurance spend of 5k or more. Axis has explicitly mentioned this in T&Cs. This is a downer on an otherwise good card as insurance spends are sizable chunks. However, one can circumvent this by using Amazon vouchers to make insurance payments. Nonetheless, this is a drawback of the card.


No annual fee waiver

Given that the Gold and Platinum tier spending levels are quite high at 7.5lakhs and 15lakhs respectively, the bank could have offered an annual fee waiver at least for these customers.


The recent revaluation of the base reward rate Axis Bank has made Axis Atlas a very solid travel credit card. It now has a solid 2% reward rate (worst case), the highest number of airline transfer partners and a tiered structure where the more you spend, the more benefits you get.

Someone who travels frequently and spends upward of 10lakh per annum mostly on travel will be able to extract the most from this card. If you have mediocre spending spread across categories but want to transfer points to airmiles I recommend Amex credit cards such as Amex MRCC (Apply Now) , Amex Platinum Travel(Apply Now) or even Diners Black.

Further, if you value cashbacks or statement credit more than airmiles then don’t even think about this card when you can apply for an SBI Cashback card (Apply Now). The EdgeMiles can only be redeemed against travel spending on Axis portal nothing else.

What are your thoughts on Axis Atlas credit card? Which transfer partner you find the most exciting one? You think this can be the number 1 travel credit card in India? Do share in the comment section below

Photo by Andrew Neel on Unsplash

In the interest of full disclosure, Credit Cardz may earn a referral bonus for anyone that’s approved through some of the links in this post. However, opinions and views expressed here are of the author's alone and not those of the bank, credit card issuer, or anyone else and have not been reviewed, approved or otherwise endorsed by any of these entities.


  1. Rohit

    I’m not able to apply for this card. Is it gone live?

  2. Ajay Kumar Gupta

    Axis Bank worst bank to have card as bank intrested in levying charge and denying card earned benefit

    In the age of imps and ups take there day to give credit

    Worst bank card

  3. Nachiketa

    Can you make the embedded Excel editable like other reviews? Cannot customise the monthly spends on this one.

  4. Abhishek Gupta

    Why will anyone not have an Axis Ace card (than an expensive and complex Atlas) with a minimum reward rate of 2% (same as base rate of Atlas) with a Fee of Rs. 500 and LTF in many cases? And Reward in form of pure cash than the incalculable miles. Atlas is totally useless for 99.99% people. Please strictly avoid.

  5. Antila

    Thanks for the in depth review, it was very helpfull for me. After researching a bunch of cards, i came to the conclusion that atlas credit card is one of the best cards in the market right now, effectively giving cashback worth of 7% (normal spends) and 17.5% (Travel) IF you use the miles smartly.
    Much better than Axis ace & neo.
    I also wanted to know if house rent payment through credit card (via paytm) will give reward points??

  6. Antila

    Do rent payments (via paytm) give reward points?

    • Comment by post author


      So currently Atlas does not have any exclusion categories. So you should get points on rent payment thru paytm too
      The best way to confirm is to do a small transaction. Generally points gets posted in 10-15 days max. So you know for sure for the next month 😊

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