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

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Pros & cons

What's good

    Worth noting

      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