Credit Card Compare

Axis Bank Atlas Credit Card

Data last updated 7 October 2026
55.55%
Purchase rate
₹5,000
Annual fee
2,500
Bonus points
Application

CardIQ

49Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge46
  • Rewards48
  • Travel53

Customer reviews

No reviews yet. Be the first to review the Axis Bank Atlas Credit Card.

Pros & cons

What's good

  • 2,500 bonus points to start, worth around ₹2,500 at our ₹1-per-point valuation.
  • Complimentary airport lounge access (12 visits a year).
  • Earns 5 EDGE Miles per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Plus GST. A ₹5,000 joining fee, then ₹5,000 a year from the second year. The ₹5,000 annual fee is still toward the top of the market (the median is ₹999).
  • The 55.55% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns 2 EDGE Miles per ₹100 on everyday spend, around the dataset average.
  • The 5 EDGE Miles per ₹100 rate on bonus categories applies only to the first ₹2,00,000 spent each month, then drops to 2 EDGE Miles per ₹100.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Miles

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹12,00,000 p.a.
Residency
Resident of India; primary cardholder aged 18 to 70; salaried with net annual income of ₹12 lakh and above or self-employed with net annual income of ₹15 lakh and above
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
55.55% p.a.
Purchases
55.55% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹5,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
Sum of all instalments, fees, interest and finance charges, taxes, any amount over the credit limit and 2% of the remaining balance outstanding, plus any unpaid minimum due from earlier statements; at least ₹100, or the total due if that is below ₹100 (Axis Bank MITC)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
2 EDGE Miles per ₹100
Bonus categories
5 EDGE Miles per ₹100 in bonus categories, up to ₹2,00,000 per month
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
2 EDGE Miles per ₹100
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
1 transaction within 37 days of card issuance (cards sourced from 20 April 2024 onwards; paid cards only; 2,500 EDGE Miles, 1 EDGE Mile = ₹1)
Sign-up bonus
2,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Rewards value₹18,000 a yearBest in market (1st of 7 cards)
Interest-free days50 daysTop 10% (2nd of 11 cards)
Overseas fee3.50%Middle of the market (6th of 11 cards)
Annual fee₹5,000 a yearAmong the most expensive (10th of 11 cards)
Purchase rate55.55%Among the weakest we track (10th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Axis Bank