Axis Atlas Credit Card

Ritika

The Axis Atlas Credit Card transforms everyday spending into travel rewards. With its Edge Miles system, users earn accelerated rewards on travel purchases. These miles can be redeemed for exceptional value through partnerships with over 20 airlines and hotels, enhancing the benefits of travel investments.

Key Benefits

The Axis Atlas Credit Card offers a comprehensive suite of benefits primarily designed for frequent travelers, leveraging its unique Edge Miles reward system and tiered privilege structure.

Welcome & Renewal Benefits
Get 2,500 Edge Miles as a welcome bonus after your first transaction within 30-37 days. This bonus can offset the joining fee through strategic redemption. Renewal benefits include bonus Edge Miles based on your card tier.

Edge Miles Reward Program

Base Earnings: Earn 2 Edge Miles per ₹100 on most general purchases.
Accelerated Travel Earnings: Earn 5 Edge Miles per ₹100 on airline/hotel bookings via Axis Bank. Capped at ₹2 lakh monthly; then reverts to 2 Edge Miles per ₹100.
High Value-Back Potential: Transfer Edge Miles for approximately 20% value back on travel and 8% on general spending. Best with Accor Live Limitless (ALL) points for higher valuation.
Workaround for Excluded Categories: Earn 8-12% back on typically excluded spends using gift cards.

Flexible Reward Redemption

Redeem Edge Miles on Axis Bank's Travel EDGE for flights, hotels, and experiences at a 1:1 ratio.
Convert Edge Miles to 20+ partner loyalty programs at a 1:2 ratio, except for Marriott Bonvoy.
Group A partners allow a maximum transfer of 30,000 Edge Miles; Group B allows 120,000.

Tier-Based Privileges (Silver, Gold, Platinum)

The card features a three-tier benefits system based on spending thresholds.
Silver tier: Default or achieved with a ₹3 lakh spend; includes 2,500 Edge Miles.
Gold tier: Requires a ₹7.5 lakh spend; adds 2,500 Edge Miles as milestone and annual benefits.
Platinum tier: Requires a ₹15 lakh spend; offers 5,000 Edge Miles as milestone and annual benefits.
Bonuses can enhance the overall value return to 11.33% to 12%.

Extensive Lounge Access
Complimentary airport lounge access varies by tier:

Silver: 8 domestic and 4 international visits.
Gold: 12 domestic and 6 international visits.
Platinum: 18 domestic and 12 international visits.
Guests can accompany cardholders in lounges, which is valuable for family travel.
The enhanced lounge network includes Adani Group's LoungeKey and Priority Pass partnerships.
Priority Pass offers additional perks like spa services, sleeping pods, and restaurant discounts.

Additional Benefits

Dining Discounts: Up to 25% off (maximum ₹800) via the EazyDiner app on ₹2,000 orders.
Complimentary Travel Insurance: Covers air accidents and lost baggage.
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000 monthly.
Global Acceptance: Widely accepted for seamless transactions internationally.

Note: A high 3.5% foreign exchange markup fee may deter frequent travelers.

Important Considerations

The foreign exchange markup fee is 3.5%, which is relatively high for a travel card.
Annual caps limit the transfer of Edge Miles to partner programs, especially Group A partners.
The transfer limit for Group A partners, such as Accor and Singapore Airlines, is 30,000 Edge Miles yearly.

How to Apply

You can apply through Axis Bank's website.

Visit Axis Bank's official website.
Click on Credit Card.
Search for "Atlas Credit Card."
Select "Apply Now" and enter the required details.

But before applying, just make sure you fulfill the eligibility criteria.

The eligibility criteria for card applications include age, occupation, income, and residency.
Primary cardholders must be between 18 and 70 years old; add-on cardholders must be at least 18.
Salaried applicants need a minimum annual income of ₹12 lakh; self-employed individuals need ₹15 lakh.
The primary cardholder must reside in India.
Required documents include a PAN card/Form 60, pay slip/IT return/Form 16, and proof of residence.

Conclusion

The Axis Atlas Credit Card is ideal for travelers who want to maximize savings through strategic Edge Miles redemption, particularly with partners like Accor. It provides exceptional value, making it a valuable tool for enhancing travel experiences.