Axis Bank Atlas Credit Card

The Axis Bank Atlas Credit Card is a premium offering designed specifically for frequent travellers, providing a variety of travel-related perks and rewards. The joining fee of the card is Rs.5,000.

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Key Highlights of the Axis Bank Atlas Credit Card

The key features and benefits of Axis Bank Atlas Credit Card are as follows:

  1. Welcome Bonus: When you activate the Axis Bank Atlas Credit Card, you can receive up to 5,000 Edge Miles as a welcome gift. The exact amount depends on the card variant you choose, and this bonus is awarded after making your first transaction with the card.
  2. Edge Miles Reward Program: The Axis Bank Atlas Credit Card revolves around Edge Miles as its main rewards currency. These miles can be redeemed for air miles with partnered airlines, hotel stays, or even as statement credit, making the card highly rewarding for frequent travellers.
  3. You can accumulate Edge Miles in different categories:
    1. Domestic Purchases: Earn Edge Miles for every rupee spent on transactions within India.
    2. International Transactions: Earn more Edge Miles when you spend abroad.
  4. Travel Reservations: Boost your Edge Miles by booking flights or hotels through the Axis Atlas travel portal.
  5. Airport Lounge Access: With this card, you gain complimentary access to both domestic and international airport lounges, ensuring a more comfortable travel experience. Lounge benefits include free Wi-Fi, refreshments, and relaxing spaces to unwind while waiting for flights.
  6. Complimentary Travel Insurance: Axis Bank Atlas Credit Cardholders enjoy travel insurance at no additional cost, offering protection against unforeseen events:
    1. Air Accident Coverage: Provides financial coverage in case of injury or death during air travel.
    2. Lost Baggage Insurance: Protects against the financial impact of lost luggage, giving you peace of mind on your trips.
  7. Exclusive Travel Portal: Cardholders can take advantage of special discounts and deals on flights and hotels through the Atlas Travel Portal, while simultaneously earning additional Edge Miles, enhancing their overall travel rewards.
  8. Global Acceptance: The Axis Bank Atlas Credit Card is widely accepted across the globe, making it an ideal travel companion for smooth and hassle-free transactions no matter where you are.
  9. Additional Benefits: On top of the travel perks, you also enjoy exclusive privileges like concierge services, dining discounts, and special offers at luxury hotels, making this card ideal for frequent business or leisure travellers.
Apply Atlas Axis Bank Credit Card Online
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Tiered benefits of Axis Bank Atlas Credit Card

The Axis Bank Atlas Credit Card offers three distinct tiers based on the total amount spent by cardholders within a year. Each tier Silver, Gold, and Platinum—comes with its own set of perks that enhance the overall value of the card, particularly for frequent travellers. Here is a detailed breakdown of what each tier offers:

Silver Tier

The Silver Tier is the entry-level category, applicable to new users or those whose cumulative spending does not exceed Rs. 3 lakh in an anniversary year. As a Silver Tier cardholder, you receive:

  1. International Lounge Access: 4 complimentary visits per year, making it a great option for occasional travellers.
  2. Domestic Lounge Access: 8 free visits annually to domestic airport lounges, adding comfort to your travel experience within India.
  3. Milestone Benefits: Upon reaching this tier, you earn 2,500 Edge Miles as a reward, which can be redeemed for travel or statement credit.

Gold Tier

To be eligible for the Gold Tier, users must spend Rs. 7.5 lakh within an anniversary year. This tier offers more generous perks than the Silver Tier, making it ideal for moderate to frequent travellers. The benefits include:

  1. International Lounge Access: 6 free visits annually to international lounges, allowing you to relax before your flights with enhanced comfort.
  2. Domestic Lounge Access: 12 complimentary visits to domestic lounges, giving you more opportunities to unwind during your travels within India.
  3. Milestone Benefits: You earn an additional 2,500 Edge Miles, on top of the Silver Tier's rewards, offering more opportunities to redeem points for travel or other benefits.

Platinum Tier

The Platinum Tier is the top-level category, accessible to cardholders who spend Rs. 15 lakh or more within a year. This tier is designed for high-spending individuals who want maximum value from their credit card. The benefits include:

  1. International Lounge Access: 12 complimentary visits per year, providing ample access to luxurious lounges at airports worldwide.
  2. Domestic Lounge Access: 18 visits annually to domestic lounges, offering maximum convenience for those who frequently travel within India.
  3. Milestone Benefits: You receive an additional 5,000 Edge Miles, offering a substantial reward for high spending. This can be particularly advantageous for travellers looking to redeem these points for air miles, hotels, or statement credits.
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Fees and Charges of the Axis Bank Atlas Credit Card

Particulars

Amount

Joining fee

Rs.5,000

Annual fee

Rs.5,000

Add-on credit card

NIL

Interest

3.60% per month (52.86% per annum)

Cash advance fee

2.5% (Min.Rs.500) of the Cash Amount

Fee for Cash Payment

Rs.100

Late payment

  1. Up to Rs.500 - NIL
  2. Rs.501 to Rs.5000 -Rs.500
  3. Rs.5001 to Rs.10,000 -Rs.750
  4. More than Rs.10,000 - Rs.1200

Card Replacement

NIL

Duplicate Statement Fee

Waived

Over Limit Penalty

2.5% of the overlimit amount (Min. Rs.500)

Charge slip Retrieval Fee or Copy Request Fee

Waived

Outstation Cheque Fee

Waived

Cheque return or dishonor fee or auto-debit reversal

2% of the payment amount subject to min. Rs.450 and max Rs.1,500

Surcharge on purchase or cancellation of Railway Tickets

As prescribed by IRCTC/Indian Railways

Fuel Transaction Surcharge

1% of transaction amount (Refunded for fuel transactions between Rs.400 and Rs.4,000 Per Statement Cycle)

Foreign Currency Transaction Fee

3.50% of the transaction value

Mobile Alerts for Transactions

Waived

Hot listing Charges

Waived

Balance Enquiry Charges

Waived

Eligibility Criteria Axis Bank Atlas Credit Card

The following are the criteria required to apply for the Axis Bank Atlas Credit Card:

  1. The primary cardholder must be between 18 and 70 years old.
  2. Applicants can be either salaried or self-employed.
  3. Salaried individuals must have a minimum annual income of Rs.12 lakh.
  4. Self-employed individuals must have a minimum annual income of Rs.15 lakh.
  5. The primary cardholder must be a resident of India.
  6. Add-on cardholders must be at least 18 years old.

Documents required for Axis Bank Atlas Credit Card

You will need the documents mentioned below when you apply for an Axis Bank Atlas Credit Card:

  1. Proof of Identity: PAN card or Form 60
  2. Proof of Income: Latest pay slip or copy of IT return or Form 16
  3. Proof of Residence: Driver’s License or Passport or Landline or Electric Bill
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FAQs on Axis Bank Atlas Credit Card

  • Is there any fuel surcharge waiver with the credit card?

    Yes, you get a surcharge waiver of 1% of transaction amount. This is refunded for fuel transactions between Rs.400 and Rs.4,000 per statement cycle.

  • What welcome benefit do I get with the credit card?

    As a welcome gift, you get 5,000 reward points when you complete your first 3 transactions with the Axis Bank Atlas Credit Card.

  • Do I get dining benefits with the credit card?

    Yes, you get up to 20% discount when you dine with partner restaurants.

  • What is the over limit fee of the credit card?

    The over limit fee of the card is 2.5% of the overlimit amount (Min. Rs.500).

  • Will I get a Platinum Tier Membership?

    Yes, you get a Platinum Tier Membership when you spend over Rs.15 lakh in a year.

  • What are the major updates or changes on Axis Bank Atlas Credit Card?

    The Axis Bank Atlas Credit Card updates effective from 20 April 2024 include excluding certain categories like gold/jewellery and rent from earning EDGE Miles. There's a cap on accelerated EDGE Miles for travel transactions, with up to 10,000 Miles available based on annual spending thresholds. Additionally, Tier-based Airport Meet & Assist services and complimentary concierge services have been discontinued.

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