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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
Axis · Visa

Axis Atlas

Best forTravel & Shopping
Earns5 EDGE Miles/₹100 on travel
1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Network
Visa
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Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on travel and shopping, where it earns 5 EDGE Miles/₹100
  • Annual fee is waived at ₹8,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Travel5 EDGE Miles/₹100
Shopping2 EDGE Miles/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot eligible—Axis verified rule for Rent
Details
Status
Verified — not eligible
Issuer note
Axis verified rule for Rent
EducationNot eligible—Axis verified rule for Education
Details
Status
Verified — not eligible
Issuer note
Axis verified rule for Education
InsuranceNot eligible—Insurance transactions excluded from rewards under Axis 2025 revised exclusions
Details
Status
Verified — not eligible
Issuer note
Insurance transactions excluded from rewards under Axis 2025 revised exclusions
UtilitiesNot eligible—Utility transactions excluded from rewards per Axis 2025 revised rules
Details
Status
Verified — not eligible
Issuer note
Utility transactions excluded from rewards per Axis 2025 revised rules
FuelNot eligible—Fuel transactions excluded from rewards (0%)
Details
Status
Verified — not eligible
Issuer note
Fuel transactions excluded from rewards (0%); surcharge waiver applies
Groceries——Axis verified rule for Groceries
Details
Status
Verified
Issuer note
Axis verified rule for Groceries
Dining——Axis verified rule for Dining
Details
Status
Verified
Issuer note
Axis verified rule for Dining
Food Delivery——Axis verified rule for Food Delivery
Details
Status
Verified
Issuer note
Axis verified rule for Food Delivery
Shopping2 EDGE Miles/₹100—Axis verified rule for Shopping
Details
Status
Verified
Source
AXIS-005
Issuer note
Axis verified rule for Shopping
Travel5 EDGE Miles/₹100—5 EDGE Miles/₹100 on Travel Edge and airline bookings
Details
Status
Verified
Source
AXIS-005
Issuer note
5 EDGE Miles/₹100 on Travel Edge and airline bookings; 2 EDGE Miles/₹100 other
GovernmentNot eligible—Axis verified rule for Government
Details
Status
Verified — not eligible
Issuer note
Axis verified rule for Government
WalletNot eligible—Axis verified rule for Wallet
Details
Status
Verified — not eligible
Issuer note
Axis verified rule for Wallet
Railways——Axis verified rule for Railways
Details
Status
Verified
Issuer note
Axis verified rule for Railways
FASTagNot eligible—Excluded from base and accelerated rewards per Axis common rules
Details
Status
Verified — not eligible
Issuer note
Excluded from base and accelerated rewards per Axis common rules
JewelleryNot eligible—Excluded from base and accelerated rewards per Axis common rules
Details
Status
Verified — not eligible
Issuer note
Excluded from base and accelerated rewards per Axis common rules
TelecomNot eligible—Utility transactions excluded from rewards per Axis 2025 revised rules
Details
Status
Verified — not eligible
Issuer note
Utility transactions excluded from rewards per Axis 2025 revised rules

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
5 EDGE Miles/₹100 on travel
Fee waiver
Annual fee waived on ₹8,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Not eligible: Rent, Education, Insurance, Utilities +6 more

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in travel, shopping
  • You can reach the ₹8,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, insurance, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 10 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — Not eligible. Axis verified rule for Rent.
  • Education — Not eligible. Axis verified rule for Education.
  • Insurance — Not eligible. Insurance transactions excluded from rewards under Axis 2025 revised exclusions.
  • Utilities — Not eligible. Utility transactions excluded from rewards per Axis 2025 revised rules.
  • Fuel — Not eligible. Fuel transactions excluded from rewards (0%).
  • Government — Not eligible. Axis verified rule for Government.
  • Wallet — Not eligible. Axis verified rule for Wallet.
  • FASTag — Not eligible. Excluded from base and accelerated rewards per Axis common rules.
  • Jewellery — Not eligible. Excluded from base and accelerated rewards per Axis common rules.
  • Telecom — Not eligible. Utility transactions excluded from rewards per Axis 2025 revised rules.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Bank eligibility / internal underwriting

Specifications
  • Payment network: Visa
  • Airport lounge: Complimentary domestic and international lounge access
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-22

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-22

Official product page: https://www.axisbank.com/

Documents used
Atlas EDGE Miles earning and excluded MCCs · AXIS-005
Issuer-wide approach: utility & telecom, rent, wallet, government, insurance, fuel, cash advances, repayments, education; category-based identification · AXIS-002
Axis Atlas₹5,000 1st year
Apply Now →