Axis Credit Card Is Axis Atlas Worth It for School Fee Payments?

[superstar@123]

Hey folks,
Had a thought today and wanted to run it by the community, happy to be corrected if I’m missing something.

1. I currently spend around ₹60,000 every quarter on school fees. The payment goes directly through the school’s website. Right now, I’m using either my bank account or my HDFC Infinia credit card. The catch: the school charges a 1.5% fee for credit card payments.
2. Now, here’s the real question — does it make sense to get the Axis Atlas card just for this spend? Would the rewards or benefits justify the 1.5% fee + the annual fee of the card and make it worthwhile? Or is this just over-optimising for a small edge?

Would love to hear your thoughts — especially from anyone who’s used the Atlas card or dealt with similar fee-based spends.

Open to suggestions and perspectives!

 

[Dragon_slayer]

You will get base rewards + milestone, so its totally better option.

Do check the MCC first before payment.

 

[superstar@123]

So I did a quick math and here it is:

Annual spend in education: 60000*4 = INR 2,40,000
Base rewards: 4,800 Edge Points
Conversion: 4,800 Edge Points = 9,600 Accor Points
9,600 Accor Points : Value of around INR 17,280.
Less: 1.5% CC fees = 3,600 INR

Net Value= INR 13,680
% value: 5.70%

(excluded the annual fees as it will fetch 2500 Edge miles which will cover the fees)

Let me know if this makes sense!