Axis Bank · Premium
Axis Atlas
Earns Axis EDGE Miles (Atlas: 1:2)
Where it ranks across all 187 cards
#5 Flights
5.0%
direct
#5 Hotels
5.0%
direct
#15 Gaming
2.0%
direct
#19 Train tickets
2.0%
direct
#21 Other
2.0%
direct
#23 Health & pharmacy
2.0%
direct
#25 Cabs & transit
2.0%
direct
#28 Electronics
2.0%
direct
#33 Dining out
2.0%
direct
#36 Online shopping
2.0%
direct
#36 Groceries
2.0%
direct
#36 Movies & events
2.0%
direct
#36 Fashion
2.0%
direct
#38 Food delivery
2.0%
direct
#43 Education
0.8%
direct
23 Sep 2026 - Axis EDGE dropped Club ITC (Sep 2026)
Axis points can no longer be moved to Club ITC. If you were saving points for an ITC transfer, that route is closed. The same change brought back Accor and added Cathay, Hilton and Miles & More.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
2 Apr 2026 - Axis EDGE still cannot reach Marriott (dropped Apr 2, 2026)
Marriott removed as a transfer partner. Accor was removed too but is back since Sep 2026. Qatar Avios, British Airways, Finnair and Vietnam Airlines still transfer, at 2:1. The card is closed to new applicants.
Source: Axis Travel Edge Miles Transfer T&C · read 23 Sep 2026
Get an email if this card changes - sign in.
1 EDGE Mile = ₹1 on Travel Edge bookings (bank)
Points valued at ₹1/pt - conservative, what rankings use · transfers reach up to ₹5.00/pt via Singapore Airlines KrisFlyer at 1:2
Reward rules2 direct
Base rate - everything not covered below
2.00%base rate
2 pts / ₹100
source
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
5 EDGE Miles / ₹100 on travel
5.00%this rule
5 pts / ₹100
how it works & source
5 EM/₹100 up to ₹2L travel spend/month (10,000 EM), then 2 EM/₹100. Apr 2026: Accor, Marriott, Qatar reported removed as transfer partners. 5X is DIRECT airline + DIRECT hotel + Travel Edge only; OTA/travel-agent bookings earn base 2 EM/₹100.
Source: Axis Atlas revised T&C PDF (axis.bank.in) - campaign.axis.bank.in - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Singapore Airlines KrisFlyer
1:2 ratio
20,000 ptsworth ₹16,000-₹50,000
Air Canada Aeroplan
1:2 ratio
20,000 ptsworth ₹16,000-₹44,000
Postcard Hotels Sunshine Club
1:2 ratio
20,000 ptsworth ₹16,000-₹22,000
Japan Airlines Mileage Bank
1:2 ratio
20,000 ptsworth ₹14,000-₹40,000
Turkish Airlines Miles&Smiles
1:2 ratio
20,000 ptsworth ₹14,000-₹44,000
Air France-KLM Flying Blue
1:2 ratio · Moved to Group A in the Sep 2026 revision.
20,000 ptsworth ₹14,000-₹40,000
United MileagePlus
1:2 ratio
20,000 ptsworth ₹12,000-₹36,000
Air India Maharaja Club
1:2 ratio · Moved to Group A in the Sep 2026 revision.
20,000 ptsworth ₹12,000-₹36,000
EDGE Miles, not points: 1 EDGE Mile = 2 partner points. Accor, Cathay, BA, Finnair, Lotusmiles, Qatar and IndiGo BluChip are 2:1; Miles & More, Orchid and Radisson are 1:1. Yearly limits: 30,000 Miles to Group A and 1.2 lakh to Group B (1.5 lakh in all). At least 500 Miles per transfer.
Earns nothing on12 exclusions
Tolls and bridge fees
earns nothing
Bridge fees, road fees and tolls: no rewards (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
MCCs: 4784
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Gift, card, novelty and souvenir shops
earns nothing
Gift-card purchases reclassified to an excluded Gift Card category (from 28 Aug 2026).
→ use FIRST Private here (6.6%)
detail & source
Axis excludes by spend category; 5947 is the closest MCC mapping.
MCCs: 5947
Source: Axis credit card T&C revision effective 28-08-2026 (campaign.axis.bank.in PDF) - campaign.axis.bank.in - read 27 Aug 2026
Jewellery & watches
earns nothing
Gold/jewellery earns nothing (bank T&C MCC list).
→ use HDFC Infinia Metal here (3.3%)
detail & source
categories: Jewellery & watches · MCCs: 5094, 5944
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing (MCC 6513, bank T&C).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel earns nothing (surcharge waiver only).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent earns nothing.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallet loads excluded.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government spends excluded.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
categories: Government / tax · MCCs: 9222, 9311, 9399, 9402
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance excluded.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6381, 5960, 6012, 6051
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Utility bills
earns nothing
Utilities excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Utility bills · MCCs: 4814, 4816, 4899, 4900
Source: Axis Atlas card page (axis.bank.in) - axis.bank.in - read 22 Aug 2026
Mobile / broadband
earns nothing
Utilities and telecom grouped as excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Mobile / broadband
Source: Atlas features T&C - axis.bank.in - read 22 Aug 2026