Cards · Axis Bank

Axis Bank Atlas Credit Card: rewards, caps and exclusions

The Axis Bank Atlas Credit Card pays about 5% on Transport, on the first ₹2,00,000 of spend a month, and 2% on everything else. Below is every rate, cap and exclusion in Axis Bank's published terms, as we last checked them on 18 July 2026.

Visa₹5,000 a yearPaid in miles

What it earns

≈5%Transporton the first ₹2,00,000 of spend a month

≈2%Everything elseno cap stated

≈ marks a rate paid in miles, converted at ₹1 a point: the lowest redemption value Axis Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Jewellery
Rent
Insurance premiums
Wallet loads
Government payments
Utility bills
Telecom bills
Fuel

Milestones

In Axis Bank's own words:

₹3L annual spend (excl 7 excluded cats) → 2,500 EDGE Miles
₹7.5L annual spend → 2,500 EDGE Miles
₹15L annual spend → 5,000 EDGE Miles

Fees

Annual fee: ₹5,000, plus 18% GST
Joining fee: ₹5,000
Foreign-currency markup: 3.5%

Welcome benefit: 2,500 EDGE Miles on reaching the bank's spend condition.

Eligibility: ₹12,00,000 a year in income, aged 18–70.

Where this comes from

Transcribed from Axis Bank's own documents and checked against them on 18 July 2026:

axis.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Axis Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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