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Axis Bank · Visa

Axis Bank Atlas Credit Card

Up to 10% value back on travel spends via EDGE Miles

3.6/5
Best for frequent flyers who transfer miles to airline programmes
At a glance
Joining fee
₹5,000
Annual fee
₹5,000 + GST
Effective return
4.5%
Forex markup
3.50%
Lounge access
18 domestic · 12 international
Min. income
₹9,00,000/yr
Min. credit score
750+
Check your eligibility

On Axis Bank’s secure site. Checking eligibility is a soft enquiry.

Our verdict

The best domestic travel card for someone who actually books award flights. Redeem for statement credit instead and the value collapses to roughly 1% — this card only works if you use the transfer partners.

How we scored it

Credsir rating
3.6/5
Rewards
4.5
Fees
3.0
Perks
3.0
Accessibility
3.1

Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned. See the full method on our methodology page.

What works, what does not

What works
  • Strong airline and hotel transfer partners at favourable ratios
  • Tiered milestone structure rewards consistent spending
  • Generous domestic and international lounge allocation
What does not
  • Value depends entirely on redeeming through transfer partners
  • Reward structure has been devalued more than once
  • High fee with no spend-based waiver

The full cost

ChargeAmount
Joining fee₹5,000
Annual fee₹5,000
GST on annual fee (18%)₹900
Total annual cost₹5,900
Fee waiver thresholdNo waiver offered
Forex markup3.50% + GST on the markup
Fuel surcharge waiverYes, 1% (capped)
Finance charge if you revolveTypically 3.5%/month — about 42% a year

Data as of 15 Aug 2026Source: axisbank.comPending issuer verification

Worth knowing.The 18% GST on the annual fee is the number most comparisons quietly omit. A ₹2,500 card actually costs ₹2,950 a year. Factor that in before deciding whether the rewards clear the bar.

Is the fee worth it for you?

Put in your actual spending. The calculator works out the net value after the fee and its GST — the number that decides whether this card pays you or costs you.

₹1,000₹50,000₹50 L
01.5%15
₹0₹2,500₹1 L
₹0₹2,500₹5 L
₹0₹0₹2 L
Net value per year (ongoing)
₹6,050
  • Rewards + perks75%
  • Fee25%
Annual spend
₹6,00,000
Rewards earned
₹9,000
Annual fee incl. 18% GST
₹2,950
Net value in year 1
₹8,550
Effective return on spend
1.01%
Monthly spend to break even
₹16,389

What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.

Compare with

Worth knowing.Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.