Axis Bank Atlas Credit Card

Welcome Benefit

• 2,500 EDGE miles on the first transaction done within 37 days of card issuance.
• 1 EDGE mile = Rs. 1.
• The benefit applies to cards sourced from 20th April 2024.

Tired Benefits

• Exclusive Silver membership tier.
• In an anniversary year, if you spend Rs. 7.5 Lakhs or above, you get upgraded to the Gold tier. 
• In an anniversary year, if you spend above Rs. 15 Lakhs, you get upgraded to the Platinum tier. 
• Each tier comes with a base earn of 2 EDGE Miles on spending per Rs. 100 and accelerated earn of 5 EDGE Miles on spending per Rs. 100 on the TRAVEL EDGE portal direct airlines & direct hotels.
• Each tier comes with milestone and annual benefits in the form of redeemable EDGE Miles.

Annual Benefits

• A special anniversary gift of up to 5,000 EDGE Miles on completion of a year.
• EDGE Miles will be credited to the cardholder’s EDGE Miles account on successful annual fee payment. 

Milestone Benefits

• Up to 10,000 EDGE Miles on achieving the spend milestone. 
• The benefits include 2,500 EDGE Miles on achieving Rs. 3 Lakhs spending milestone, an additional 2,500 EDGE Miles on Rs. 7.5 Lakhs and an additional 2,500 EDGE Miles on Rs. 15 Lakhs. 
• The spending excludes transactions done on rent, gold/jewellery, wallet, government institutions, fuel, insurance, and utility merchants.

Lounge Access

• Exclusive access to domestic & international airport lounges for primary cardholders as well as guests on achieving milestone spends.
• Cardholders will get lounge access and food & beverages as applicable under the agreement between Dreamfolks and the lounge. 
• The access will be available on a first come first serve basis. 

Dining Delights

• 25% off (up to Rs. 800) on dining at 10,000+ restaurants via EazyDiner.
• The offer is valid twice per month per card on a minimum order value of Rs. 2,000.

Other Benefits

• A dedicated Miles Transfer Program for Axis Bank cardholders.
• Plan your travel booking by converting 1 EDGE Mile to 2 Partner Miles.
• 24x7 concierge desk.

Following are the details of Axis Bank Atlas credit card charges:

• Joining fee: Rs. 5,000.
• Annual fee: Rs. 5,000.
• Joining and annual fees for add-on card: Nil.
• Foreign currency transaction fee: 3.50% of the transaction value.
• Cash payment fee: Rs. 100.
• Finance charges for retail purchases & cash: 3.60% per month (52.86% p.a.).
• Cash withdrawal fees: 2.5% (minimum Rs. 500) of the amount withdrawn.
• Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 500).
• Overdue penalty/ Late payment fee: Nil to Rs. 1,200, depending on the due payment amount.
• Cheque return/dishonour fee or auto-debit reversal: 2% of the amount (minimum Rs. 450 & maximum Rs. 1,500).
• Surcharge on purchase/cancellation of railway tickets: As prescribed by IRCTC/Indian Railways.
• Rent transaction fee: 1% (maximum Rs. 1,500) per rental transaction + taxes.
• Dynamic currency conversion markup: 1% + taxes.
• Taxes: Taxes as per the government norms will be applied to all fees and chargers mentioned above.

The following are the main Axis Bank Atlas credit card eligibility criteria:

• The applicant can be a resident of India.
• The age of the primary cardholder must be between 18 and 70 years.
• The add-on cardholder should be aged above 18 years.
• The net annual income should be Rs. 12 Lakhs or above for salaried applicants and Rs. 15 Lakhs or above for self-employed applicants.

*The above eligibility criteria are only indicative. Axis Bank reserves the right to approve/decline credit card applications.

If you are looking for an Axis Bank Atlas credit card apply online with the following documents:

• A copy of the PAN Card or Form 60
• Recent coloured photograph
• Income proof: Recent Payslip/ Form 16/ ITR copy
• Identity proof: Passport/ Driving License/ PAN Card/ Aadhaar Card
• Residence proof: Passport/ Driving License/ Electricity Bill/ Landline Telephone Bill

You can apply for an Axis Atlas credit card through MyMoneyMantra.

• Click on the "Apply Now" button.
• You will be navigated to the Axis Bank's website.
• Select "Yes" or "No" for existing or new Axis Bank customers.
• Fill out and submit the form with the required information.