Atlas Credit Card

Q: How does the tier system work?

Silver (<₹3L), Gold (₹7.5L+), Platinum (₹15L+). Higher tiers get more lounge visits and milestone rewards.

Q: How to redeem EDGE Miles?

Via Travel Edge portal for flights/hotels, or transfer to airline programs at 1:2.

Q: Is there an annual fee waiver?

Yes, Platinum tier users (₹15L+ spend) get fee waived.

Our verdict

India's best travel card with tier-based rewards and excellent air mile value.

Perfect for

Frequent travelers
High spenders who can hit milestone tiers

Not ideal for

Cashback-focused users
Low spenders

Pros & cons

8% value back via milestones
Tier-based lounge access
Excellent air mile redemption

High annual fee
High income requirement

Rewards

Earn 5 EDGE Miles per ₹100 on direct Airline/Hotel spends & 2 EDGE Miles per ₹100 elsewhere. Effective April 2024, travel spends on aggregators (MMT, Easemytrip, etc.) earn at base rate/excluded from 5x.

Category	Earn rate
Shopping	5%
Travel	5%
Groceries	5%
Online Shopping	5%

Welcome offer

5,000 EDGE Miles on first transaction within 37 days

Benefits

Airport lounge

8 domestic lounge visits/yr
4 international lounge visits/yr

Travel

Silver: 8 Domestic & 4 International; Gold: 12 Domestic & 6 International; Platinum: 18 Domestic & 12 International. Spend-based criteria for domestic lounge access revised to ₹50,000 in previous 3 months.

More benefits

Welcome Bonus: 5,000 EDGE Miles on first transaction within 37 days
Milestone: Silver (₹3L): 2,500 miles; Gold (₹7.5L): 2,500 miles; Platinum (₹15L): 5,000 miles
Additional Benefits: Dining discounts at 4,000+ restaurants

Fees & charges

Joining fee	₹5,000
Annual fee	₹5,000
Renewal fee	₹5,000
Fee waiver	No Annual Fee Waiver; Platinum tier status requires ₹15L spend for benefits, but the fee is charged annually with 5,000 miles renewal benefit.

Eligibility

Min. income (annual)

₹12L

Employment

Salaried / Self Employed

Frequently asked questions

How does the tier system work?

Silver (<₹3L), Gold (₹7.5L+), Platinum (₹15L+). Higher tiers get more lounge visits and milestone rewards.

How to redeem EDGE Miles?

Via Travel Edge portal for flights/hotels, or transfer to airline programs at 1:2.

Is there an annual fee waiver?