Axis Bank Atlas Credit Card

Joining Benefits

2500 EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful completion of 1 transaction on the card within 37 days from the date of card issuance. 1Edgemile = 2 Airmiles or Hotel Points.

Renewal Benefits

• No renewal benefit if spent less than Rs.7.5 Lacs in previous year
• 2500 Edgemiles if spent more than Rs.7.5 Lacs in previous year or
• 5000 Edgemiles if spent more than Rs.15 Lacs in previous year

Rewards

• Base Rewards: 2 Edgemiles on every Rs.100 Spent. 1 Edgemile = 2 Airmiles or Hotel Points. So, effective value back can be 4% to 8% (or even more) depending upon chosen airmiles or hotel programs for redemption.
• Rewards on Travel (Flights and Hotels): If you use the Atlas Credit Card directly at the website/app or any airline/hotel or offline outlet/reception of any hotel or airline or on Axis Travel Edge Portal (https://traveledge.axisbank.co.in) to book flight/hotel/experiences, you get 5 Edgemiles per Rs.100 spent = 10 Airmiles or Hotel Points. This translates into an effective reward rate of 10% to 20% depending upon chosen airmiles or hotel programs for redemption. Accelarated reward points are limited to upto Rs.2 Lacs payment in a month. Post that, you get only base rewards (2 Edgemiles per Rs.100).
• Milestone-1: If spent more than Rs.3 lacs in a year, get 2500 Edgemiles (=5,000 Airmiles/Hotels points)
• Milestone-2: If spent more than Rs.7.5 lacs in a year, get additional 2500 Edgemiles (=5,000 Airmiles/Hotels points)
• Milestone-3: If spent more than Rs.15 lacs in a year, get additional 5,000 Edgemiles (=10,000 Airmiles/Hotels points)

Additional Rewards on Renewal Fee Payment (Renewal Benefits)

• 2500 (=5,000 Airmiles/Hotels points) Edgemiles if spent more than Rs.7.5 Lacs in previous year or
• 5000 (=10,000 Airmiles/Hotels points) Edgemiles if spent more than Rs.15 Lacs in previous year

Special Tip: Axis Atlas Credit Card gives both base reward points and milestone bonuses on gift cards purchase. So, you can use them for following purposes.

• Fuel: Purchase HP Pay gift cards from HP Pay App or BPCL Giftcards from Axis GiftEdge portal or any other source and use them for fuel purchase.
• Gold, Silver, Jewellery: Gift cards of branded jewellery stores like Tanishq, Kalyan Jewellers etc. are available. Even gold,silver or jewellery purchases on sites like Amazon, Flipkart, Myntra etc. can be purchased using gift cards.
• Utility Bills: Buy Amazon Pay gift cards, load them in Amazon Pay wallet and pay for your utility bills and mobile.DTH recharges.

• Silver Tier: If spent less than Rs.7.5 Lacs in previous year, get 8 Domestic Airport Lounges and 4 International Airport Lounges in a year.
• Gold Tier: If spent more than Rs.7.5 Lacs but less than Rs.15 Lacs in previous year, get 12 Domestic Airport Lounges and 6 International Airport Lounges in a year.
• Platinum Tier: If spent more than Rs.15 Lacs in previous year, get 18 Domestic Airport Lounges and 12 International Airport Lounges in a year.
• Dining Benefits: 25% Discount upto Rs.800 on payment to restaurants through Eazydiner App if order value is more than Rs.2,500. Only applicable once in a month,

1% fuel surcharge waiver on all fuel Transactions between Rs. 400 to Rs. 5,000 using the Credit Card, with a max cap of Rs. 400 on wavier in the statement month.

A mark-up of 3.5% + GST (=4.13%) is applicable on international transactions using this credit card. However, you get Edge Miles as per standard rate on international transactions.

• For normal spend, you get 2 Edge Miles per Rs.100 (= 4 Airmiles/Hotel points per Rs.100). If you convert these Edge Miles into Accor ALL hotel points, you get Rs.8 value per Rs.100 spend. Even after adjusting 4.13% mark-up charges, you get 3.87% return on international transactions. Plus, these transactions are considered for milestone benefits. So, actual return rate will be much higher.
• For direct payments at flight and hotels booking, you will get 5 Edge Miles per Rs.100 for international transactions as well. So, even after 4.13% Forex Mark-up charges, it makes complete sense to use Atlas Cards for international transations on flights and hotel booking (for direct payments to airlines and hotels).