How many reward points do I get for every rupee I spend, both within India and abroad?
For domestic transactions, you earn 2 EDGE Miles per ₹200 spent. International transactions provide a higher earning rate, making the card more rewarding for global travelers.
With the Axis Atlas Credit Card, you earn 2 EDGE Miles for every ₹100 spent on domestic transactions and 5 EDGE Miles per ₹100 on international transactions. So if you travel or shop abroad often, the rewards can stack up pretty well.
Just note that some spends like rent payments, wallet loads, or fuel may not earn miles. It’s worth checking the exclusions so you know which transactions actually help you rack up points.
Since I started using the Atlas card for both my local and overseas travel expenses, I’ve found that the EDGE Miles structure gets really rewarding once you understand how different spend categories are treated.
What is the Earning Rate
Here’s how it works:
• For ordinary spends (i.e. non-travel spends like shopping, dining, etc., excluding certain merchant categories), you earn 2 EDGE Miles per ₹100 spent.
• For spends on travel-related categories — when you book flights directly, book hotels directly, or use the Axis Bank Travel EDGE portal — the rate jumps to 5 EDGE Miles per ₹100 spent, but only up to a cap (i.e. there’s a monthly cap on how much “accelerated” miles you can earn in this travel category.
What “International” Essentially Means
• Axis doesn’t always explicitly say “international transactions = different rate,” but in practice:
• Many of your travel expense categories (like direct hotel or airline spends) even when done internationally should count under the “travel spend” slab, so you’ll earn 5 EDGE Miles/₹100 for those.
• However, non-travel international spends are typically treated like regular domestic spends (earning 2 EDGE Miles/₹100), unless they fall into travel / hotel / airline or use the Travel EDGE portal.
Also note: there are excluded merchant categories which do not earn EDGE Miles (fuel, utilities, government, insurance, gold/jewellery, etc.). So even if the transaction is international, if it’s in an excluded category, you won’t earn at the 5× travel rate.