Axis Bank ATLAS Credit Card
Unlike HDFC Infinia (which is strictly invite-only and requires ₹5 Lakh/month net salary), the Axis Bank ATLAS Credit Card is open for direct application to salaried professionals earning ₹12 Lakhs+ per year. It awards 2 EDGE Miles per ₹100 on everyday spend and 5 EDGE Miles per ₹100 on direct airline bookings, hotel bookings, and Axis Travel EDGE portal transactions. Because 1 EDGE Mile transfers at a 1:2 ratio to leading airline and hotel partners (including Accor Live Limitless, Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, and Air India Flying Returns), 5 EDGE Miles per ₹100 equals 10 Partner Miles per ₹100—up to an 18% effective return when transferred to Accor Hotels!
Key Facts at a Glance
| Cost / Fee Structure | ₹5,000 + GST |
| APR / Rate | 45.00% p.a. (3.60%/mo) |
| Sign-Up Bonus / Match | 2,500 EDGE Miles (= 5,000 Partner Miles) |
| Credit / Eligibility | CIBIL 750+ (₹12L Salaried or ₹15L Self-Employed ITR) |
Pros & Cons
✓ Pros
- ✓Open for direct online application with a ₹12L/yr income requirement (unlike invite-only HDFC Infinia)
- ✓Transferring 5 EDGE Miles (earned per ₹100 on flights/hotels) 1:2 into Accor Live Limitless yields 10 ALL points worth ~₹18 (an 18% travel reward rate)
- ✓Allows bringing accompanying family/guests into both domestic and international airport lounges within your annual tier quota
✕ Cons
- ✕Annual fee of ₹5,000 + GST cannot be waived by spending (offset instead by milestone renewal EDGE Miles at ₹7.5L+ spend)
- ✕Group A partner transfers (including Accor, KrisFlyer, and Qatar) are capped at 30,000 EDGE Miles (60,000 Partner Miles) per calendar year
Key Features
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