AXIS
Atlas
Premium card · 8/year domestic lounge (quarterly cap) · fee waiver achievable around ₹7.5L annual spend · 3.5% forex markup.
Strong for lounge access (2/quarter) · Weak for high forex (3.5%) and low base rewards (~1%)
2/quarter domestic lounge
Good for
- Airport lounge users
Not ideal for
- International spenders
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹500/month (base rewards)
- Fee waiver unlikely at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹5,000
Lounge
2/quarter (domestic)
Forex
3.5%
Limited support — verify with issuer
Reward rate
2 pts/₹100
Near median base earn (~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 2/quarter
- International visits
- 6/year
International Use
- Forex markup
- 3.5%
- Product tier
- Premium
Fees
- Annual fee
- ₹5,000
- Joining fee
- ₹5,000
- Fee waiver spend
- ₹7,50,000 Above catalog median waiver (₹3,00,000 vs ₹7,50,000).
Rewards
- Points per ₹100
- 2 pts
- Point value
- ₹0.5
- Effective earn
- 1% (at stated point value)
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Limited options in this tier