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HomeCredit CardAxis Financial institution Atlas Credit score Card Evaluate – CardExpert

Axis Financial institution Atlas Credit score Card Evaluate – CardExpert

Axis Bank Atlas Credit Card Review

Axis Financial institution has very many premium and tremendous premium bank cards and in addition the Atlas Credit score Card which serves a number of segments directly: from journey to tremendous premium (or) even an Extremely premium phase, based mostly on spends.

Axis Financial institution Atlas Credit score Card is one in every of a sort, fairly distinctive the way in which it really works however on the identical time seems to be sophisticated for many. That mentioned, right here’s a easy information that can assist you perceive it higher and use it successfully, in the event you select to use for one.


Kind Journey Credit score Card
Reward Charge 2% to 10%
Annual Payment 5,000+GST
Finest for Direct Lodge & Airline Spends
USP Tiered advantages based mostly on spends

Axis Financial institution Atlas bank card has been lately face-lifted by rising the common reward charge and including extra spend classes that earns accelerated rewards.

Ideally its greatest suited for individuals who pay plenty of resort payments (or) airline prices. But it surely will also be used for different advantages. Let’s start with the price.


Becoming a member of Payment 5,000 INR+GST
Welcome Profit 5000 Edge Miles (10,000 INR worth simply)
Renewal Payment 5,000 INR+GST
Renewal Profit 2,500 Edge miles (Silver)
5,000 Edge miles (Gold)
10,000 Edge miles (Platinum)
Renewal Payment waiver Nil

The welcome good thing about 5K edge miles may be transferred to ITC (amongst others) and may be redeemed for 10,000 INR value of keep, meals, and many others at ITC motels.

Meaning you’re paying 5K and getting 10K worth – doubling the worth of your cash identical to that.

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There are extra companions with an excellent conversion charge and we’ll discover them later under.

Whereas there is no such thing as a renewal price waiver choice on this card, the benefit of the Atlas Credit score Card is that it offers higher renewal profit in the event you spend extra through the card anniversary yr.

The renewal profit is kind of profitable, particularly with the platinum tier. However do not forget that even gold tier is ample to get 2X worth of the renewal price paid.


Axis Atlas Credit Card Design

The design seems to be not solely neat, easy and exquisite but additionally related to the kind of card, so is the selection of title: Atlas.

In case you’ve had the cardboard in hand, you’d agree that the cardboard seems to be and feels nearly as good as you see within the picture above.


In contrast to all different Axis Credit score Playing cards, Axis Atlas doesn’t earn “Edge Rewards”, however it earns “Edge Miles”.

It’s a separate miles stability that displays on the Axis Edge Rewards account and isn’t linked with some other product thus far.

Common Spends 2 / 100 INR 2% ~4%
Axis Journey Edge Portal 5 / 100 INR 5% ~10%
Airways & Lodges (Direct) 5 / 100 INR 5% ~10%

It’s to be famous that in the event you intend to pre-pay for flights/motels utilizing journey edge portal, Axis Magnus is quite a bit higher choice than Atlas Credit score Card.


There are a number of choices to redeem edge miles, broadly divined into two, as under:

  • Redeem on Journey Edge portal: 1:1 (for flights/motels)
  • Switch Edge miles to airline/resort companions

Whereas redeeming on journey edge portal is the tremendous easy choice with a static worth, we don’t get nice worth there.

As a substitute, one can switch the factors to airways and motels and get fairly good worth. Right here’s a fast take a look at the switch ratio.

Airline Conversion Charge (Edge Miles:Associate Miles)
All Airways* 1:2
Lodges: IHG & ITC 1:2
Lodge: Marriot Bonvoy 2:1
  • Airways: United, Singapore Airways, Turkish, Etihad, Qatar, Air France, Ethiopian, Vistara & Spicejet

As you possibly can see, the switch ratio is 1:2 throughout all airways & motels, aside from Marriott Bonvoy which is at 2:1. So it’s not smart to switch these factors to Marriott from Atlas Credit score Card.

In case you’re into Marriott, you possibly can nonetheless switch your factors to ITC after which to Marriott (2 ITC factors = 3 MB factors), however that is restricted to 60K factors per yr.

Typically, ITC is the goto choice for many cardholders to get higher worth, because it’s lot easier and in addition permits to switch the factors additional to Marriott Bonvoy.

In case you want to discover worldwide airline redemptions, our easy guides are right here: Singapore Airways – KrisFlyer & United Airways – MileagePlus (extra to comply with quickly).

Milestone Profit

Spend Requirement Milestone Profit
3 Lakhs 2,500 Edge Miles
7.5 Lakhs 5,000 Edge Miles
15 Lakhs 10,000 Edge Miles

Assuming you’re in a position to do “common” spends of 15 Lakhs, you’ll get 40,000 Edge miles that may be simply valued at 80,000 INR and even 1,60,000 INR (airline candy spots), with reward charges nearly as good as 5.3% to 10.6% respectively.

However do not forget that pockets & rental spends wont be thought-about for milestone advantages.

Membership Tiers

Annual Spends Membership Tier
< Rs. 7.5 lacs Silver
Rs. 7.5 lacs to Rs. 15 lacs Gold
Rs. 15 lacs & above Platinum

Axis Atlas Credit score Card comes with membership tiers and it’s a singular system within the bank card business.

The membership tiers are purely based mostly on bank card spends with Platinum tier on high that provides entry to many of the airport advantages, together with luxurious airport transfers which is offered solely with the costly Axis Reserve.

Airport Providers

Axis Financial institution Atlas Credit score Card offers you entry to under airport companies relying on the membership tier you’re in:

Listed here are the complimentary limits on respective tiers for airport companies.

Membership Tier Airport Meet & Greet Airport Switch
Gold 2
Platinum 4 2

Nonetheless, observe that these airport companies can neither be booked on the Extraordinary weekends portal nor via concierge line, not like the opposite playing cards like Magnus & Reserve.

With Atlas, airport companies may be booked solely via the Atlas Dashboard on app/web site and that’s not one thing you’d take pleasure in doing.

Airport Lounge Entry

The complimentary lounge entry limits on Axis Atlas Credit score Card additionally works as per the tiered system talked about under.

Membership Tier Home Visits Worldwide Visits
Silver 8 4
Gold 12 6
Platinum 18 12
  • Observe: Above visits covers each Main cardholder + visitors, if any.

So, as you see above, the excellent news in regards to the Atlas Card is that we are able to avail these complimentary lounge entry each for major cardholder & visitors, identical to the Axis Reserve Credit score Card.

Nonetheless, observe that it’s not properly applied each at terminal & with QR system, for ex, in the event you add 1 visitor to the go to, you’ll be charged, which isn’t the case with Reserve.

In order of now, you’ll be charged the price for visitors and the prices might be auto reversed as confirmed by Axis buyer assist.

Do you have to take Atlas?

Axis Bank Atlas Credit Card

For most individuals, Axis Magnus (or) Axis Reserve bank card would do.

However listed below are some the reason why it’s essential have Atlas in your pockets, even if in case you have different Axis bank cards.

  1. Your direct airline & resort spends are excessive (>5 Lakhs a yr).
  2. You possibly can spend 15L simply, in order to get greater reward charge.
  3. You want lounge entry for visitors.
  4. You need to expertise the USP of Magnus and reserve and but mild on pocket. 
  5. You do lot of direct worldwide resort spends, as this provides an excellent web acquire (~5.8%) on foreign exchange resort spends. 

Whereas we may give extra causes, the one purpose that I typically see throughout many Atlas cardholders is the #1 purpose listed above. 

For ex, on spends of 5L with motels & airways, you’d get 50K value of miles with atlas, whereas with Magnus you’d solely get ~25k miles. So greater the spends on this class, greater the reward charge.

However Observe that you could additionally use journey edge and get 5X rewards on Magnus for pay as you go motels/flights and get quite a bit greater reward charge. So Atlas is essentially reserved for incidental resort spends or for airline prices. 

My Expertise

Axis Atlas Credit Card Experience

I bought the Axis Atlas Credit score Card few months in the past, primarily to expertise the product because it’s fairly distinctive within the business.

They’ve a devoted card administration dashboard for Atlas on Cellular & net-banking due to the membership tier system and different advantages.

Aside from that, the 5X rewards will get credited for resort spends on time, hopefully so for airways. I did a small txn few months in the past to examine the identical and it does work as anticipated.

Axis Atlas - 5X edge miles on Hotel Spend


  • Annual Revenue: 9 Lakhs & above
  • Current different Financial institution Credit score Card: ~3 Lakhs (or) above restrict

In case you’re dealing with any points (or) in the event you favor to have a easy experience into Axis Credit score Card Ecosystem, do take a look at this newcomers information to Axis Financial institution Credit score Playing cards: Maximizing Axis Financial institution Credit score Playing cards.

How one can Apply?

It’s possible you’ll apply on-line on Axis web site in a matter of few clicks. Axis Financial institution is lately recognized for processing recent bank card purposes fairly quick.

It’s possible you’ll get the cardboard accepted often inside per week from the date of utility.

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In case you’re new to financial institution, to not fear, you don’t have to open a recent Axis Financial institution Financial savings A/c to get an Axis Credit score Card.

Backside line

General Axis Atlas Credit score Card is a completely loaded card at this price vary and has the power to present experiences that solely an extremely premium bank card can supply – all you want is the excessive spend potential.

In case you intend to have 3 greatest premium bank cards from Axis Financial institution, this may be one amongst – others being Axis Magnus & Axis Vistara Infinite.

Do you’ve Axis Financial institution Atlas Credit score Card? Be happy to share your experiences within the feedback under.



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