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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-6.5%)^ | (-2.0%)^ | 0.1% | 1.9% | 2.6% |
| Est. Monthly Reward (₹) | (330) | (205) | 25 | 935 | 2,550 |
| All-India Rewards Rank* | 336 | 328 | 276 | 26 | 5 |
| Within Bank Rank* | 28 | 28 | 25 | 7 | 3 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The ATLAS Credit Card gives 5% effective rewards on travel and 2% on all other spending, with no caps. You can also earn up to 17,500 EDGE Miles on crossing annual spends of ₹3 – 15 Lacs.
Overall, including milestone rewards, we estimate you can earn a net reward yield of 1.9-2.6% on spending more than ₹50,000 a month with this card, making this an attractive option for high spenders.
The ATLAS has a non-waivable annual fee of ₹5,000.
The Axis Bank ACE Credit Card with a yield of 2.3% is one of the best credit cards in India and is our recommended card from most Axis Bank customers.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | ATLAS Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 5 EDGE Miles / ₹100 on Travel
2 EDGE Miles / ₹100 on all other spends |
| Milestone Rewards | 17,500 EDGE Miles on Spends of ₹3 – 15 Lacs |
| Other Rewards | – 25% off up to ₹800 on dining restaurants via EazyDiner
– 1 Complimentary International Airport Lounge Visits / Qtr – 2 Complimentary Domestic Airport Lounge Visits / Qtr |
| Reward Caps | Unlimited |
| Rewards Redemption Fee | Nil |
| Preferred Redemption Method | Redeem EDGE Miles for booking flights, hotels @₹1 / EDGE Mile |
| Card | ATLAS Credit Card | |
|---|---|---|
| Joining Fee | ₹5,000 + Taxes | |
| Annual Fee | ₹5,000 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | ₹9 Lacs p.a. |
| Self-employed | ITR>₹12 Lacs | |
| Supplementary Card Fee | Free | |
| Interest Rate | 52.86% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
