Axis BankVisaTravel

Atlas credit card

2 EDGE Miles per ₹100 everywhere, 5 on travel, tiered lounges and milestones.

Personal score45/100● Good fit

Recurring net savings₹5,033/yrafter fee, GST and caps · bills paid in full

First-year value₹5,033incl. ₹2,500 welcome, ₹5,900 joining fee

Effective savings rate1.5%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹5,900never waived

Lounge access✈8 dom🌏4 intlyou can use 2 of your visits

Personalise Official page ↗

Source: Axis Bank – Atlas Credit Card · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹4,133/yrBase rate 2% on other spends

₹2,500/yr1 milestone unlocked

−₹5,900Fee you pay

2/2lounge visits covered

₹36,000earns nothing (fuel)

! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.

Where the money comes from

₹5,033/yr · 1.5%

Base rate 2% on other spendson ₹2,06,640₹4,133

5 miles/₹100 on airlines, hotels & Travel…on ₹36,000₹1,800

Excluded categories (no rewards)on ₹84,000₹0

2,500 miles at ₹3Lmilestone₹2,500

2,500 miles on renewal (Silver tier; more at…renewal benefit₹2,500

Renewal fee incl. GSTyou pay it−₹5,900

◻︎ 2,500 miles at ₹7.5L · needs ₹7,50,000/year◻︎ 5,000 miles at ₹15L · needs ₹15,00,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹5,033/yr is calculated: Atlas
+ Reward value on your spendat ₹1/EDGE Miles realistic value: ₹5,933
+ Milestone bonuses you reach1 of 3 achieved: ₹2,500
+ Renewal bonuspaid because the fee is charged: ₹2,500
− Annual fee incl. 18% GSTcharged every year: −₹5,900
= Recurring net savings: ₹5,033/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 1.5%

How the score of 45 is built

weights total 100% · methodology

Net savings rate31/100 × 55%17.2

Usable lounge access100/100 × 15%15.0

Redemption flexibility80/100 × 10%8.0

Lifestyle fit0/100 × 10%0.0

Simplicity60/100 × 5%3.0

Fee safety45/100 × 5%2.3

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

8 per yeardomestic

4 per yearinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

20 Jun 2025DevaluationAxis Bank
Axis Bank 2025 devaluation: spend-gated or withdrawn domestic lounges, fewer guest visits
In phases across June, July and October 2025 Axis Bank removed complimentary domestic lounge access from several cards, made it conditional on ₹50,000 spend in the previous three months on others, cut guest visits on Atlas from 8 to 4 a year and revised the accelerated EDGE Rewards structure on Magnus for Burgundy from 20 June 2025. Cards on CardLens carry the post-change entitlements.
Cards: Atlas, Magnus, ACE, Flipkart Axis Bank, SELECT, Privilege, MY ZONE · Source: Finology – Axis Bank credit card devaluation 2025: key changes explained · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn2%value on eligible spend

⚡ Accelerated5% 5 miles/₹100 on airlines,…

🚫 No rewards onfuelrentutilitiesinsuranceeducation

🏷️ Fees₹5,900/yr incl. GSTnot spend-waivable

🎁 Welcome (year 1)≈ ₹2,5002,500 EDGE Miles on first transaction within 37 days

🏁 Milestones₹2,500 @ ₹3,00,000/year₹2,500 @ ₹7,50,000/year₹5,000 @ ₹15,00,000/year

✈️ Lounge✈8/yr dom🌏4/yr intlSilver tier: 8 dom + 4 intl; Gold 12+6; Platinum 18+12

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹1/EDGE Miles ★★★★☆Transfer 1:1 (2:1 to some) to airline & hotel partners; ₹1/mile on Axis Travel Edge bookings.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestyleconciergeinsurance cover

🪪 EligibilityIncome ₹12L+/yr

At a glance

Best-in-class 5% on direct travel bookings
Miles transfer 1:1 to 20+ partners
Milestone miles scale with tier

Fee is not spend-waivable
No rewards on bills, insurance, fuel
3.5% forex markup for a travel card

Compare Atlas with

Community Q&A on the Atlas

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Axis Bank Atlas?

Joining fee ₹5,000 and renewal fee ₹5,000, plus 18% GST (₹5,900 a year). The fee is not waived on spend.

Does the Atlas give airport lounge access?

8 domestic + 4 international/yr. Silver tier: 8 dom + 4 intl; Gold 12+6; Platinum 18+12.

How much can I save with the Atlas?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹5,033 a year, an effective savings rate of 1.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Atlas's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 5 miles/₹100 on airlines, hotels & Travel Edge (up to ₹2L/month): capped at ₹10,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Atlas lounge access by airport · all Axis Bank cards · change log.