Annual fee₹5,000+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa
You earn
Perks & rules
What changed
28 Aug 2026Gift cards, tolls and road/bridge fees no longer earn rewards; late fee ₹1,300 above ₹50,000
21 Aug 2026Tolls and road/bridge fees no longer count toward milestones
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asEDGE Miles
Base rate2 EDGE Miles per ₹100
Higher rates
- Direct travel: 5 EDGE Miles per ₹100 on Travel EDGE, airline and hotel websites/counters (not travel agents)
Limits
- 5-mile rate on up to ₹2 lakh travel spend a month; 2 miles per ₹100 after that
- Miles transfer: 1,50,000 a year (30,000 to Group A, 1,20,000 to Group B partners)
Doesn't earn on
- Gold/jewellery, rent, wallet, government, insurance, fuel, utilities and telecom, gift cards, tolls
Where it landsTo your EDGE Miles account within 12 days of the transaction
What a point is worth
Value1 EDGE Mile = ₹1 on Travel EDGE; or 1 EDGE Mile = 2 partner points (Marriott: 2 EDGE Miles = 1 point)
ExpiryForfeited 30 days after card closure or if minimum due is unpaid 90+ days
Redemption fee₹99 per redemption
Welcome benefit
Welcome2,500 EDGE Miles on first transaction within 37 days (paid cards only)
Milestones
Milestones
- 2,500 miles at ₹3 lakh, +2,500 at ₹7.5 lakh, +5,000 at ₹15 lakh yearly spend
- Renewal miles on paying the annual fee: Gold 2,500; Platinum 5,000
- Tiers: Silver; Gold at ₹7.5 lakh; Platinum at ₹15 lakh yearly spend
Airport lounges
DomesticSilver 8, Gold 12, Platinum 18 a year, including guest visits
InternationalSilver 4, Gold 6, Platinum 12 a year, but Axis says the international lounge programme is 'under maintenance'
Fuel
Fuel1% surcharge waiver
Spending abroad
Forex markup3.5%
Fees
Joining fee₹5,000 + GST
Annual fee₹5,000 + GST from the 2nd year
Fee waiverNo spend-based waiver listed
If you pay late
Late feeNil under ₹500; ₹500 (₹501–5,000); ₹750 (to ₹10,000); ₹1,200 (to ₹50,000); ₹1,300 above ₹50,000
Interest3.75% a month (55.55% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
Age18–70
SalariedNet income ₹12 lakh a year
Self-employedNet income ₹15 lakh a year
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Atlas product page Product page · 2 Oct 2026
- Atlas Credit Card Features T&C Card T&C · 21 Aug 2026
- Axis Bank credit card T&C revision (28 Aug 2026) Change notice · 28 Aug 2026
Card image: Axis Bank's own website.
