Axis Bank
Axis Atlas Credit Card
4.4 / 5visa
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- Base reward
- 1.6%
- Min income
- ₹12,00,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 55.55%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 4% | ₹2,00,000 |
| Everything else | 1.6% | Uncapped |
Benefits
- ▸5 EDGE Miles per Rs.100 on travel (direct airline/hotel & TravelEdge portal), 2 EDGE Miles per Rs.100 on other spends
- ▸Tier-based domestic & international lounge access (Silver/Gold/Platinum)
- ▸EDGE Miles transferable to airline/hotel partners (approx 1:2 ratio)
- ▸Comprehensive travel insurance
- ▸Annual fee not waivable by spend
The good
- + Strong travel earn rate (5 EDGE Miles/Rs.100)
- + EDGE Miles transfer to airline/hotel partners
- + Tier-based lounge access scaling with spend
The catch
- − High annual fee with no spend-based waiver
- − EDGE Mile value depends on partner transfer/redemption
- − Many categories excluded from accelerated earning