Axis Bank Atlas Credit Card - Features, Benefits, Fees & Charges

Axis Bank Atlas Credit Card (4.6)

Travel Best For: Travel
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If you are someone who travels frequently, then you should check out the Axis Bank Atlas Credit Card! With a joining and annual fee of ₹5,000, you can earn 5 Edge miles on travel spends and 2 Edge miles on all other spends. Enjoy free airport services and lounge access, a 25% discount on dining via EazyDiner, a reward rate of 2% to 10%, exclusive milestone benefits, and much more! Here is all you need to know about this card. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

5000 EDGE Miles on doing first transaction withing 30 days.

Travel Benefit
  • 5 EDGE Miles per ₹100 spent..
  • 2 EDGE Miles on Other Spends per ₹100 spent.
  • Airport Concierge Services like check-in, security check, and immigration processes, and porter services.
  • 2 free Airport Pickup Services.

 

Lounge Access

Free 8 Domestic and 4 International lounge access for primary card holders and accompanying guests. 
List of lounges

Dining Benefit

A dining proposition that provides 25% off up to ₹800 on dining restaurants via EazyDiner.
Valid on minimum order value of ₹2000 and twice per month per card.

Reward Points

Reward Rate: 2% to 10% in the form of Edge Miles.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹5,000

Annual Fee

₹5,000

Annual Percentage Rate

52.86%

Add-on Card Fee

Nil

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹1
Late Payment Charges

Balance from ₹0 to ₹500

Nil

Balance from ₹501 to ₹5000

₹500

Balance from ₹5001 to ₹10000

₹750

Balance more than ₹10000

₹1200
Pros

Aspects that make this credit card amazing.

  1. 24*7 concierge service.
  2. Free airport pickup service.
  3. Free domestic and international lounge access.
Cons

Aspects this credit card lacks.

  1. EDGE Miles credited cannot be en-cashed.
  2. High annual fee.
  3. Despite being a travel card, it charges high foreign transaction fee.
  4. Gold and Platinum Tier on achieving milestone spends.
Axis Bank Atlas Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

Axis Bank Atlas Credit Card Review

The Axis Bank Atlas Credit Card is a top contender for frequent travellers with high expenditure, thanks to its flexible airline-agnostic miles program that lets you choose your preferred carrier for redemption. Moreover, the card offers a welcome bonus and spending-based upgrades that can help you earn substantial travel rewards. On top of that, you can enjoy airport lounge access, dining benefits, and purchase protection that add value to your overall experience. However, the hefty annual fee and minimum spending requirements for tier upgrades might not be suitable for everyone. Therefore, it's essential to consider your travel habits and budget before diving into this premium card. If you're someone who travels frequently and has a big spending budget, the Atlas could be the perfect travel companion for you. But, if you're a moderate spender, you might want to explore other options that better fit your needs. Some of them are:
1. Club Vistara IDFC FIRST Bank Credit Card
2. Air India SBI Signature Credit Card
3. Axis Bank Vistara Signature Credit Card

Overview

Best Suited  Travel
Annual/Joining Fee ₹5,000 plus taxes
Card Type Travel Credit Card
Card Network Visa

Reward points on Axis Atlas Credit Card

The Axis Bank Atlas Credit Card earns EDGE Miles for every eligible transaction. The earn rate is as follows:

Transaction Type Reward 
Travel 5 EDGE Miles per ₹100 spent
Other eligible transactions 2 EDGE Miles per ₹100 spent

Who should get an Axis Bank Atlas Credit Card?

The Axis Bank Atlas Credit Card is a good option for frequent travellers who want to earn rewards for their travel spending. The card offers a good rewards program and other travel benefits that can save you money on your next trip. However, the card does have a high annual fee, so it is important to factor that in before you decide to apply for the card.

Here are some of the people who should consider getting the Axis Bank Atlas Credit Card:

  • Frequent travellers who spend a lot of money on travel and hotels.
  • People who want to earn rewards for their travel spending.
  • People who want to enjoy the other travel benefits that the card offers, such as free airport lounge access and a 1% fuel surcharge waiver.
  • People who are willing to pay the high annual fee.
  • If you are not a frequent traveller or are not willing to pay the high annual fee, then there are other credit cards that may be a better fit for you.

How to apply for an Axis Atlas Credit Card?

To apply for Axis Bank Atlas Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose 'Axis Bank' from the list.
Step 4: Choose 'Axis Bank Atlas Credit Card' and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

Axis Bank Atlas Credit Card Eligibility

  • Age: 18 to 70 years.
  • Income Criteria:
    • Salaried: Net Annual income of ₹9 lakh and above
    • Self-Employed: Net annual income of ₹12 lakh & above
  • Resident: Indian

Documents Required for Axis Bank Atlas Credit Card

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,39,09,552
Axis Bank Credit Card News
13 Mar 2024, Wednesday
1. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
2. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
3. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
4. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
5. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Axis Bank Atlas Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

Benefits on Atlas credit card are associated with tiers. Currently, there are 3 tiers for ATLAS credit cardholder i.e. Silver Tier (Base tier), Gold Tier & Platinum Tier (Top Tier)

EDGE Mile is a Axis Bank loyalty currency specially defined for ATLAS Credit Cardholder. Each EDGE Mile worth of INR 1/-

The interest rate on the Axis Bank Atlas credit card is 3.60% per month (52.86% per annum).

No. EDGE Mile is a loyalty currency for Atlas credit card, whereas EDGE Point is a loyalty currency for Axis Bank’s other credit cards.

The Axis Bank Atlas Credit Card offers the following rewards and benefits:

Rewards:

  • Earn 5 EDGE Miles per Rs.100 spent on travel.
  • Earn 2 EDGE Miles per Rs.100 spent on other eligible transactions.
  • EDGE Miles can be redeemed for flights, hotels, gift vouchers, and other merchandise.
  • The redemption value is 1 EDGE Mile = Rs.1

Benefits:

  • Complimentary access to domestic and international airport lounges.
  • Complimentary airport concierge service for Gold and Platinum tier members.
  • Chauffeured airport pickup service for Platinum tier members.
  • 1% fuel surcharge waiver.
  • 25% off up to Rs. 500 on dining at select restaurants.
  • Milestone Benefits: Tier Rewards (End of annual Year):
    • Silver: 5000 EDGE Miles.
    • Gold: 10000 EDGE Miles.
    • Platinum: 15000 EDGE Miles.

The Axis Bank Atlas Credit Card is a good option for frequent travelers who want to earn rewards for their travel spending. The card offers a good rewards program and other travel benefits that can save you money on your next trip. However, the card does have a high annual fee, so it is important to factor that in before you decide to apply for the card.

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