TravelPremiumVisa

Axis Atlas Credit Card

Annual fee₹5,000

Rewards2%Assumes 1 EDGE Mile = INR 1 per issuer T&C; redeemable for flights, hotels & experiences via Axis Bank Travel EDGE portal / Mobile app, or convertible to partner airline/hotel miles under the Miles Transfer program (dynamic ratios; transfer capped 1,50,000 EDGE Miles/customer-id/calendar year). EDGE Miles cannot be en-cashed.

Forex markup3.5%3.50% of the transaction value

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Welcome benefits

worth ₹2,500

2500 EDGE Miles as welcome benefit upon first transaction within 37 days from the date of card issuance

Type: Miles
Trigger: within 37 days

Rewards

Base earn rate

2 EDGE Miles on other spends

EDGE Miles

Excludes: Gold, Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, Telecom

Redemption value

travel_booking: ₹1.00/ptmiles_transfer: —

• Redemption fee: ₹99

Milestone benefits

Threshold —→ 2500 EDGE Miles
Threshold —→ Additional 2500 EDGE Miles (Total 5000 EDGE Miles including previous milestone)
Threshold —→ Additional 5000 EDGE Miles (Total 10000 EDGE Miles including previous milestones)

Fees & charges

Joining fee: ₹5,000
Annual / renewal fee: ₹5,000 (2nd year onwards)
Add-on card fee: Nil
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% (Min. ₹500) of the cash amount
Overlimit fee: 2.5% of the overlimit amount (Min. ₹500)
Payment dishonour: ₹500
Forex markup: 3.50% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹750
Above ₹10,001	₹1,200

View official MITC →

Eligibility

Income (salaried): Salaried: Net annual income of ₹12 lakh and above; Self employed: Net annual income of ₹15 lakh and above
Income (self-employed): ₹15L/year
Age: 18–70 years

Employment types

SalariedSelf-Employed

Required documents

PAN card photocopy or Form 60
Latest payslip/ Form 16/IT return copy as proof of income
Residence proof (passport/driving license/ electricity bill/ landline telephone bill)

Features

✓ International usage

Additional features

Tiered membership benefits (Silver/Gold/Platinum)
Dedicated TRAVEL EDGE portal
Miles transfer program to partner airlines

No rewards on

Gold · Jewellery · Rent · Wallet · Government Institution · Insurance · Fuel · Utilities · Telecom

Card management via Axis Bank Mobile App.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Travel — 5% back

0% of spend100% of spend

Remaining 80% of spend earns the 2% base rate.

Rewards / year

₹15,600

≈ 2.60% effective

Annual fee

₹5,000

no published waiver

Net steady-state return

+₹10,600/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹10,600 a year.

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One-time joining fee (year 1 only): ₹5,000

One-time welcome benefit: ~₹2,500 — 2500 EDGE Miles (=INR 2500) upon completing 1 transaction within 37 days of card issuance; applicable for paid cards sourced from 20th April 2024 onwards.

Based on published rates as of 2026-08-07; assumes 1 EDGE Mile = INR 1 per issuer T&C; redeemable for flights, hotels & experiences via Axis Bank Travel EDGE portal / Mobile app, or convertible to partner airline/hotel miles under the Miles Transfer program (dynamic ratios; transfer capped 1,50,000 EDGE Miles/customer-id/calendar year). EDGE Miles cannot be en-cashed.. Rewards estimates, not guarantees.