The Axis Atlas Credit Card is a premium, travel-category credit card launched by Axis Bank. After launching around a couple of years ago this Credit Card Axis Atlas has rapidly surpassed all other similar credit cards in terms of travel features in India. The card’s unique tier-based rewards structure offers high-spenders benefits usually available only on super-premium cards.
An Overview of Axis Atlas Credit Card
Do you love to travel and explore new destinations but large expenses stop you from your tourism experiences? Wait a minute, Axis Bank has a solution for you, to let you make and cherish the great memories from your favorite trips, the Bank has brought a magic box that will give you the best travel experience. Yes, a magic box where you will find a credit card equipped with all the facilities required to travel without thinking about expenses.
Facilities include thousands of Edge Miles, complimentary access to international and domestic airport lounges, higher reward rates on foreign currency transactions, dining benefits, entertainment benefits, exiting reward points, welcome benefits, shopping benefits, etc.
Key Highlights
| Key Highlights | Features | Details |
|---|---|---|
| Joining fee | ₹5,000 + GST | |
| Annual fee/ renewal fee | ₹5,000 + GST | |
| Welcome benefits | 2,500 EDGE MILES | |
| Best suited for | Travel | |
| Reward rate | 4% – 18% | |
| USP | Tiered benefits based on spends | |
| Fuel surcharge waiver | 1% fuel surcharge waiver | |
| Interest rate | 3.6% per month/52.86% annually | |
| Annual benefits | Get up to 5,000 edge miles on completion of a year | |
| Milestone benefits | Unlock up to 10,000 edge miles on achieving the spends milestone |
Benefits of The Axis Atlas Credit Card
Benefits of Axis Bank Atlas Credit Card are as follows:
| Benefits | Details | ||
| Welcome Benefits | Get 2500 EDGE Miles as a welcome benefit upon 1st transaction on your ATLAS Credit Card within 37 days from the date of card issuance by the bank. Always remember that EDGE Miles credited can’t be encashed. Note- 1 EDGE Mile = ₹ 1 (At a joining fee of ₹5,000 the miles can be redeemed in the ratio of 1:1) | ||
| Milestone Benefits | You can unlock up to 10,000 EDGE Miles on achieving the Spends Milestone. These EDGE Miles shall be credited to your EDGE Miles account, EDGE Miles credit shall be as given below: | ||
| Spends milestone (in ₹) | No. of EDGE Miles | ||
| 3,00,000 | 2500 | ||
| 7,50,000 | 2500, additional | ||
| 15,00,000 | 5000, additional | ||
| Note- 1 EDGE Mile = ₹1, In addition to current category exclusions, the spends threshold for Milestone achievement will exclude transactions done on: | |||
| Category Description | Merchant Category Codes (MCCs) | ||
| Rent | 6513 | ||
| Wallet | 6540 | ||
| Gold/Jewellery | 5094, 5944 | ||
| Fuel | 5541, 5542, 5983 | ||
| Utilities | 4814, 4816, 4899,4900 | ||
| Government institutions | 9222, 9311, 9399, 9402 | ||
| Insurance | 6300, 6381, 5960, 6012, 6051 | ||
| Annual Benefits | Get up to 5000 EDGE Miles on completion of a year (as a special anniversary gift), These EDGE Miles shall be credited to your EDGE Miles account upon successful payment of the card annual fee of ₹5,000 + GST, EDGE Miles credit shall be as given below: Tier of membership No. of EDGE Miles Silver – Gold 2500 Platinum 5000 Note- 1 EDGE Mile = ₹1 | ||
| Tiered Benefits | – As soon as a user gets an ATLAS Credit Card, he will be part of an exclusive silver membership tier that offers a bunch of bonanzas. As he spends more in his anniversary year, his membership tier gets upgraded automatically. – To unlock additional benefits in gold & platinum tier membership in an anniversary year, once it touches ₹7.5 lacks of spending, the user will be upgraded to the gold tier & as soon as he crosses beyond ₹15 lakh of spending, he will be upgraded to the platinum tier. – Every tier comes with a base earn of 2 EDGE Miles per ₹100 spent & accelerated earn of 5 EDGE Miles per ₹100 spent on travel EDGE portal, direct airlines & direct hotel spends | ||
| Rewards Rate | A. 5 EDGE Miles on travel – EDGE Miles will be added to ATLAS Credit Card holders’ EDGE Miles account for eligible transactions as given below: 5 EDGE Miles per ₹100 send Through this advantage, “Eligible Transactions” are the successful transactions done on the card by the user for travel per the following: MCC: 3000-3350 & 4511 (Airlines) MCC: 3501-3838 & 7011 (Hotels) MID: VERNMAKRUPCYB21 (Axis Bank TRAVEL EDGE portal) – Capping on accelerated EDGE Miles earned on travel merchants: Get 5 EDGE Miles/₹100 spent on Travel EDGE, airline & hotel merchants up to cumulative transactions of ₹ 2,00,000/month Get 2 EDGE Miles/₹100 spent on cumulative transactions upon ₹ 2,00,000/month on Travel EDGE, airline & hotel merchants 2 EDGE Miles on other spends EDGE Miles will be added to ATLAS Credit Card holders’ EDGE Miles a/c for eligible transactions as given below: 2 EDGE Miles/₹100 spend Through this advantage, “Eligible Transactions” are the successful transactions done on the card by the user for other spends (excluding spends on Airlines, Hotels & Axis Bank Travel EDGE portal) Excluded spends for milestone benefit along with respective MCC’s: please follow the above table mentioned in milestone benefits with category description | ||
| Dining Delights | A dining proposition (food offer) that provides 25% up to ₹800 on dining destinations via EazyDiner Note- This offer is valid on min. order value of ₹2500 & once per month per card | ||
| How to avail the offer: Make a booking via the EazyDiner mobile application or website Inform the restaurant before the billing process about the offer Pay the bill with ATLAS Credit Card on the app to avail of the offer Visit https://dining.eazydiner.com/axisbank for more details | |||
| Airport Benefits | Domestic & International Lounge Access: Exclusive access to domestic & international lounges for primary cardholders & fellow guest Domestic: 8 complimentary visits/year through silver tier, 12 complimentary visits/year through gold tier & 18 complimentary visits/year through platinum tier International: 4 complimentary visits/year through the silver tier, 6 complimentary visits/year through the gold tier, 12 complimentary visits/year through the platinum tier How to avail of the offer: For Domestic: Go to the Domestic lounge section in the Benefits section of your Axis Bank mobile app & generate a QR code. Show the generated QR code at the lounge helpdesk for access. One can also visit directly to the lounge & swipe the card for access For international: Go to the international lounge section in the Benefits section of your Axis Bank mob. app & generate a QR code Show generated QR code at lounge helpdesk for access | ||
| Miles Transfer Program | A dedicated miles transfer program for Axis Bank Credit Cardholders One can plan his booking by converting EDGE Miles to program partner miles 1 EDGE Mile is equal to 2 Partner Miles The card user can transfer earned EDGE Miles by logging into the Axis Bank mobile app & clicking on “Book Now” in the EDGE Miles dashboard | ||
| Complimentary Travel Insurance | Axis Bank Atlas Credit card’ holders can enjoy insurance benefits on their travels at no additional cost. Axis Bank offers protection against overseas eventualities like: Insurance cover on air accident: Provides financial coverage in case of injury or death during air travel Baggage delay: If for any reason the customer’s checked-in baggage is delayed for more than 6 hours, the customer is compensated for making emergency purchases of replacement items Lost baggage insurance: Protects against the financial impact of lost luggage | ||
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 (capped at ₹400 per month) | ||
To know more about another premium category credit card from Axis Bank, click here.
Looking to build or improve your credit score, click here to know about this credit card which comes against FD and without a need to have a good credit score.
Tier Structure of Axis Bank Atlas Credit Card
An airlines agnostic travel credit card designed to benefit users on every travel they do. Get exclusive travel bonanzas & more. See how:
| Type Of Tier | Silver Tier | Gold Tier | Platinum Tier |
| Welcome Benefits | 2500 EDGE Miles | _ | _ |
| Milestone Benefits | 2500 EDGE Miles on spend of ₹3 lakh | Additional 2500 EDGE Miles on spend of ₹7.5 lakh | Additional 5000 EDGE Miles on spend of ₹15 lakh |
| Base Earn On All Spends | 2 EDGE Miles/₹100 spent | 2 EDGE Miles/₹100 spent | 2 EDGE Miles/₹100 spent |
| Accelerated Earn On Travel Edge Portal | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent |
| Accelerated Earn On Airlines | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent |
| Accelerated Earn On Hotels | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent | 5 EDGE Miles/₹100 spent |
| Domestic Lounge Visits | 8 | 12 | 18 |
| International Lounge Visits | 4 | 6 | 12 |
| Tier Rewards (Annual Year’s End) | _ | 2500 EDGE Miles | 5000 EDGE Miles |
| Meet and Greet Service | No | Get 2 Airport Meet and Greet Services | Get 4 Airport Meet and Greet Services |
| Aiport Pickups | No | No | Enjoy 2 Aiport pickups for free |
Reward Redemption Process:
You can redeem your earned reward points with Axis ATLAS, in the following ways:
- For booking flights, hotels & experiences via Axis Travel EDGE platform in the ratio of 1:1 (1 EDGE Mile = ₹1).
- You can also convert the EDGE Miles into partner miles or hotel loyalty points with the following partners:
| Group A (Max. 30,000 EDGE Miles) | Group B (max. 1,20,000 EDGE Miles) |
| Accor Hotels (Accor Live Limitless) Japan Airlines (JAL Mileage Bank) Air Canada (Aeroplan) Qatar Airways Etihad (Etihad Guest) Marriott International (Marriott Bonvoy) Thai Airways (Royal Orchid Plus) Singapore Airlines (Krisflyer) United Airlines (MileagePlus) Turkish Airlines Ethiopian Airlines Wyndham Hotels (Wyndham Rewards) | Air France-KLM (Flying Blue) SpiceJet Air India (Flying Returns) Qantas Airways (Qantas Frequent Flyer) Air Asia ITC Vistara (TATA SIA Airlines Ltd) IHG Hotels & Resort (IHG One Rewards) |
Fee & Charges of Axis Bank Atlas Credit Card
| Charge Types | Amount |
|---|---|
| Joining Fee | ₹ 5,000 + GST |
| Annual Fee/Renewal Fee | ₹ 5,000 + GST |
| Interest Rates/FINANCE CHARGES | 3.60 % per month 52.86 % per annum |
| Add-On Card Charge | Nil |
| Foreign Currency Mark-Up | 3.5% of the transaction amount |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 (capped at ₹400 pm) |
| Cash Advance Fee | 2.5% (Min. ₹500) of the Cash Amount |
| Card Replacement Fee | Nil |
| Late Payment Fee | For outstanding balance: Charges Balance b/w Nil Upto ₹ 500 ₹500 ₹501 – ₹ 5,000 ₹750 ₹5,001 – ₹ 10,000 ₹1200 Above ₹ 10,000 |
| Fee For Cash Payment | ₹100 |
| Over Limit Penalty | 2.5% of the over-limit amount (Min. ₹500) |
| Cheque Return Charges/ Dishonor Fee Or Auto-Debit Reversal | 2% of the payment amount subject to min. Rs. 450 and max ₹1,500 |
| Outstation Cheque Fee | Waived |
| Charge Slip Retrieval Fee/Copy Request Fee | Waived |
| Bal Enquiry Charges | Waived |
| Duplicate Statement Fee | Waived |
| Rewards Redemption Fee | Nil |
Eligibility Criteria Axis Atlas Credit Card
The following are the criteria required to apply for the Axis Bank Atlas Credit Card:
| Eligibility Criteria | Details |
|---|---|
| Age | B/w 18 – 70 years |
| Add-On Cardholder Age | Above 18 years |
| Occupation | Salaried & self-employed |
| Nationality | Indian |
| Income | For salaried: ₹ 12 lakh/annum For self-employed: ₹ 15 lakh/annum |
| CIBIL | 750 or above |
Required Documents:
The following documents are required for Axis Bank Atlas Credit Card:
FAQs
What is the transfer limit for Axis Atlas?
While the overall redemption limit remains at 1,50,000, existing travel partners have been divided into Group A & Group B. Cardholders will be able to transfer a maximum of 30,000 EDGE Miles to Group A partners and a maximum of 1,20,000 EDGE Miles to Group B partners in a calendar year.
What welcome benefit do I get with the Axis Atlas credit card?
Cardholders will get 2500 EDGE Miles as a welcome benefit upon 1st transaction on their Axis ATLAS Credit Card within 37 days from the date of card issuance by the bank. Always remember that EDGE Miles credited can’t be encashed. 1 EDGE Mile = ₹1 (At a joining fee of ₹5,000 the miles can be redeemed in the ratio of 1:1)
What are the dining benefits available on the Axis Bank Atlas credit card?
A dining proposition (food offer) that provides 25% off up to ₹800 on dining destinations via EazyDiner. This offer is valid on the minimum order value of ₹2500 & once per month per card
Can EDGE Miles be redeemed as cashback?
No, EDGE Miles credited can’t be encashed. EDGE Miles can either be transferred to a partner airline’s frequent flyer program or can be redeemed for booking flights/hotel rooms via Axis Bank’s Travel Edge Portal
What if I lose my Credit Card?
The cardholder can contact Axis Bank Credit Card customer care by calling 1860-419-5555 or 1860-500-5555. These numbers are toll-free, but charges may apply depending on your service provider.
One can also contact Axis Bank customer care by:
Cardholders from outside of India can communicate by calling +91 22 6798 7700
NRI customers can get banking assistance by calling +91 40 6717 4100 (not toll-free)
Through e-mail, cardholders can ask queries on creditcards@axisbank.com
Credit card-related services are only available from 8 AM to 8 PM
Will I get a Platinum Tier Membership directly on Atlas credit card?
No, cardholder can get a Platinum Tier Membership only when he spend over ₹15 lakh in a year
What are the tiered benefits of Axis Bank Atlas Credit Card?
Axis Bank Atlas Credit Card is offered in three tiers- Silver Tier, Gold Tier, and Platinum Tier. Initially, the cardholder is in the Silver Tier. In an anniversary year, once he touches ₹ 7.5 lakh of spending, he will be upgraded to the gold tier & as soon as he crosses beyond ₹ 15 lakh of the expenditure, he will be upgraded to the platinum tier. Every tier comes with milestone & annual benefits such as EDGE Miles which can be redeemed.
How do you apply for an Axis Atlas credit card?
If you are a travel enthusiast and meet all the above-listed criteria, the Atlas credit card is the right choice for you, Click here and fill in all the required details
