| Feature | Axis Atlas Credit Card |
|---|---|
| Card Image |
|
| Bank | Axis Bank |
| Annual Fee | 💳 ₹5,000 + GST |
| Interest Rate | 📈 ~3.6% per month (~42.4% p.a.) |
| Forex Markup | 🌎 3.5% |
| Lounge Access | 🛫 Domestic & International lounge access + Priority Pass |
| Fuel Surcharge Waiver | ⛽ 1% fuel surcharge waiver |
| Reward Type | ✈️ EDGE Miles — redeem for flights or convert to airline partners like Qatar Airways, Etihad, Turkish Airlines, Vistara, Singapore Airlines. |
| Joining Bonus | 🎁 Bonus EDGE Miles on joining (as per bank offer) |
| Milestone Benefit | 🏆 Tier upgrades + bonus miles on annual milestone spends |
| Billing Cycle Benefits | 🔁 Higher miles on travel & international transactions |
| Who It’s Best For | 🌍 Premium travellers & frequent flyers collecting air miles |
| Benefits / Rewards |
|
| Apply | Apply Now |
FAQs about these cards
What are air miles?
Points you earn for flights/spends.
Which cards earn fastest?
Axis Atlas, SBI Elite, Vistara cards.
Can miles expire?
Yes, after 2–3 years.
Redeem options?
Flights, upgrades, hotels.
Which Axis card is best for cashback?
Axis ACE Credit Card (5% cashback on Google Pay bills).
Which is for luxury travel?
Axis Magnus Card offers 12 airport lounge visits and EDGE rewards.
Do Axis cards have joining fees?
Some premium cards do, with vouchers on activation.
Is there a lifetime-free option?
Axis Neo Credit Card is lifetime-free with shopping offers.
Which bank offers the best overall credit card in India?
HDFC, ICICI, and SBI dominate the market with feature-rich cards suited for every lifestyle.
Are bank-specific cards better than co-branded cards?
Bank-specific cards provide flexibility and consistent benefits across merchants, unlike limited co-branded offers.
Which bank offers the most reward points?
HDFC and Axis Bank are known for high reward multipliers on travel and shopping categories.
Can I hold multiple bank credit cards?
Yes, you can have cards from different banks, but managing timely payments is essential.
How many free lounge visits do credit cards offer?
Most cards offer 4–12 complimentary visits per year; premium cards may include more or unlimited access.
Do add-on cardholders also get lounge access?
Some issuers extend access to add-on cards; limits vary by bank and network. Check your card’s T&Cs.
Is Priority Pass included on all lounge cards?
Not all—some use Visa/Mastercard/RuPay lounge programs domestically and Priority Pass for international.
What documents are needed at the lounge?
Your boarding pass and eligible credit card; some lounges also require valid ID.
What is an international travel card?
A credit card designed for global transactions and travel
Do these cards have forex markup?
Some offer 0% or reduced markup.
Do they include travel insurance?
Yes, most premium ones do.
Which banks offer top cards?
Axis Bank Atlas, HDFC Regalia, and SBI Elite.
What defines a premium credit card?
Cards offering travel, lifestyle, and concierge benefits with higher credit limits.
Are all premium cards expensive?
Not always — many waive annual fees on spend targets.
Do they offer free lounge access?
Yes, most include 4–12 visits annually.
Who should apply?
High-income professionals, entrepreneurs, and frequent travelers.
What is Priority Pass on a credit card?
It’s a membership that lets you enter partner airport lounges worldwide using your linked card/membership ID.
Are visits unlimited with Priority Pass?
Depends on the card: some offer limited free visits; premium cards may include unlimited or higher caps.
Do guest visits cost extra?
Often yes. Many issuers charge a fee per guest even if the primary cardholder’s visit is complimentary.
Does Priority Pass work in India domestically?
Yes, but some banks reserve Priority Pass for international airports; domestic access might rely on network (Visa/Mastercard/RuPay) tie-ups.
What is a travel credit card?
A travel credit card offers benefits like air miles, free airport lounge access, and travel insurance for frequent travelers.
Which is the best travel credit card in India?
HDFC Diners Club Privilege, Axis Atlas, and SBI Air India cards are among the top choices in 2025.
Do travel credit cards offer foreign currency benefits?
Yes, many premium travel cards have low forex markup or no foreign exchange fees.
How can I earn air miles with a credit card?
You earn miles or reward points on travel and lifestyle spending that can be redeemed for flights and hotel stays.