{
  "id": "axis-atlas-credit-card",
  "locale": "en",
  "name": "Axis Bank Atlas Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "Up to 18 Domestic & 12 International Lounges (Tier-based + Guests)",
  "rewardsRate": "5 EDGE Miles / ₹100 on Flights & Hotels (10%) · 2 EDGE Miles other · 1:2 Partner Transfer",
  "bestFor": "Frequent flyers, luxury hotel stays, Accor ALL redemptions & international air miles transfers",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-atlas-credit-card",
  "aiVerdict": {
    "score": 7,
    "summary": "Its strong reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "High annual fee (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 10,
  "affiliateId": "axis-atlas-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Atlas Credit Card schedule of charges",
    "Axis Bank Atlas — 1:2 EDGE Mile transfer ratio and tier progression terms",
    "https://www.axisbank.com/cards/credit-card/axis-bank-atlas-credit-card"
  ],
  "feeWaiver": "No fee waiver (2,500–10,000 EDGE Miles on annual renewal)",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Flight & Hotel Spends",
      "value": "5 EDGE Miles / ₹100 (10%)"
    },
    {
      "key": "All Other Spends",
      "value": "2 EDGE Miles / ₹100 (4%)"
    },
    {
      "key": "Mile Transfer Ratio",
      "value": "1 EDGE Mile = 2 Partner Miles"
    },
    {
      "key": "Welcome Gift",
      "value": "5,000 EDGE Miles (10k Miles)"
    },
    {
      "key": "Global Lounges",
      "value": "Up to 18 Dom + 12 Intl"
    },
    {
      "key": "Annual Fee",
      "value": "₹5,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Direct Airline & Hotel Bookings",
      "rate": "5.0%–10.0% (5 EDGE Miles / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 EDGE Miles (10,000 Partner Miles)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2.0%–4.0% (2 EDGE Miles / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 EDGE Miles (4,000 Partner Miles)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Miles"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Direct Airlines & Hotels",
      "multiplier": "2.5×",
      "rate": "5.0%–10.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 EDGE Miles per ₹100 spent."
    },
    {
      "channel": "Tier Milestone Upgrades",
      "multiplier": "Milestone",
      "rate": "Up to 10k Bonus Miles",
      "monthlyCap": "Tier milestones",
      "dailyCap": "—",
      "note": "Milestone miles on ₹3L, ₹7.5L & ₹15L."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Accor Live Limitless (ALL) Hotel Stays",
      "value": "₹1.80 / EDGE Mile (1:2 ratio)",
      "minPoints": "500 miles",
      "ceiling": "Group Cap applies",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "International Airline Miles (Singapore / Qatar)",
      "value": "₹1.00–₹1.50 / EDGE Mile",
      "minPoints": "500 miles",
      "ceiling": "Group Cap applies",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Third-party travel aggregators (OTAs earn standard 2 EDGE Miles/₹100 rate).",
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000)."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹5,000 + GST (5,000 EDGE Miles = 10,000 Partner Miles welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹5,000 + GST (2,500–10,000 EDGE Miles on annual renewal)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.0 Lakh+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}