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ATLAS Credit Card
An airlines agnostic travel credit card designed to benefit you on every travel you make. Enjoy exclusive travel benefits and much more.
The terms and conditions of Axis Atlas Credit Card will be updated with effect from 20th June, 25. Please click here to know more
Special Features
A credit card tailor-made for making your travel exciting
Welcome benefit
Enjoy 2500 EDGE Miles as welcome benefit upon first transaction on your ATLAS credit card within 37 days from the date of card issuance
*applicable on cards sourced from 20th April 2024 onwards
Terms & conditions:
- For cards sourced between 20th December 2022 to 19th April 2024, 5000 EDGE Miles as welcome benefit upon first transaction on your ATLAS credit card within 30 days from the date of card issuance will be applicable.
- For cards sourced before 20th December 2022, old rule will be applicable- 5000 EDGE Miles as welcome benefit on completing 3 transactions within 60 days from the date of card issuance.
- The above mentioned EDGE Miles shall be credited to eligible cardholders’ EDGE Miles account.
- The above-mentioned EDGE miles shall reflect in the cardholder’s miles account within 7 days from the date of transaction.
- The credited EDGE Miles can be viewed under “ATLAS MILES” in Atlas dashboard section of the Axis Bank Mobile application.
- EDGE Miles credited cannot be en-cashed.
Please note: 1 EDGE Mile is equal to ₹1/-
A cardholder is entitled to avail the welcome benefit for Axis Bank Credit Card only once. In case of card cancellation and subsequent re-opening of the same card variant, the welcome benefit will not be applicable.
Tiered Benefits
As soon as you become an ATLAS credit cardholder, you will be part of an exclusive Silver membership tier which offers a host of benefits. As you spend more in your anniversary year, your membership tier gets upgraded.
Unlock additional benefits in gold and platinum tier memberships.
In an anniversary year, when you hit ₹7.5 lakh of spends, you get upgraded the gold tier and when you spend beyond ₹15 lakh, you get upgraded to the platinum tier.
Each tier comes with base earn of 2 EDGE Miles per ₹100 spent and accelerated earn of 5 EDGE Miles per ₹100 spent on TRAVEL EDGE portal, direct airlines and direct hotel spends.
Each tier comes with milestone and annual benefits in the form of EDGE Miles that can be redeemed.
Spends threshold for tier evaluation will exclude transactions done on gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities and telecom merchants*
**applicable on spends done from 20th April 2024 onwards
Annual benefit
Special anniversary gift!
Get
upto 5,000
EDGE
Miles on completion of a year.
Terms & conditions:
- EDGE Miles shall be credited to cardholders’ EDGE Miles account upon successful payment of the card annual fee of ₹5000 + GST.
- EDGE Miles credit shall be as per the following:
| Membership tier | No. of EDGE Miles |
|---|---|
| silver | - |
| gold | 2,500 |
| platinum | 5,000 |
Please note: 1 EDGE Mile is equal to ₹1/-
Spends threshold for tier evaluation will exclude transactions done on gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities and telecom merchants*
Milestone Benefits
Unlock upto 10,000 EDGE Miles on achieving the spends milestone.
Terms & conditions:
- EDGE Miles shall be credited to cardholders’ EDGE Miles account upon achieving spends milestone.
- EDGE Miles credit shall be as per the following:
Please Note: 1 EDGE Mile is equal to ₹1/-
| Spends Milestone (in ₹) | No. of EDGE Miles |
|---|---|
| 3,00,000 | 2500 |
| 7,50,000 | additional 2500 |
| 15,00,000 | additional 5000 |
In addition to current category exclusions, spends threshold for milestone achievement will exclude transactions done on gold/ jewellery, rent, wallet, government institution, insurance, fuel, and utilities and telecom merchants
**applicable on spends done from 20th April 2024 onwards
Privileges
Wherever you travel,
travel with ATLAS !
A one-of-a-kind card that lets you unlock additional privileges while you spend and explore the world unconditionally!
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Spend more, Earn more!
With our tiered system of rewards and benefits, you can benefit more when you reach milestone spends worth ₹7.5 lakh and ₹15 lakh using your ATLAS Credit Card. Get exciting and exclusive milestone rewards and so much more!
- Silver benefits
- Welcome miles
- 4 International lounge visits
- 8 Domestic lounge visits
- Milestone benefits
- 1% fuel surcharge waiver
- 2 EDGE Miles earned on every 100 spent
- Reward points on travel
5 EDGE Miles earned on every 100 spent - Total Value for customer
- Annual spends
(₹3,00,000) - -
- -
- -
- 3,00,000
- 30,000
- 1,20,000
- 1,50,000
- 3,00,000
- EDGE Miles
- 2500
- -
- -
- 2,500
- -
- 2,400
- 7,500
- -
- Annual value realised (in ₹)
- 2500
- 8,100
- 6,400
- 2,500
- 300
- 2,400
- 7,500
- 29,700
- Gold benefits
- Welcome Miles*
- 6 International lounge visits
- 12 Domestic lounge visits
- Tier rewards (End of Annual Year)
- Milestone benefits
- 1% fuel surcharge waiver
- 2 EDGE Miles earned on every 100 spent
- Reward points on Travel
5 EDGE Miles earned on every 100 spent - Total value for customer
- Annual spends
(₹7,50,000) - -
- -
- -
- -
- 3,00,000
- 75,000
- 3,00,000
- 3,75,000
- 7,50,000
- EDGE Miles
- 2,500
- -
- -
- 2,500
- 5,000
- -
- 6,000
- 18,750
- -
- Annual value Realised (in ₹)
- 2500
- 12,150
- 9,600
- 3,000
- 5,000
- 750
- 6,000
- 18,750
- 57,250
- Platinum benefits
- Welcome Miles*
- 12 International lounge visits
- 18 Domestic lounge visits
- Tier rewards (end of annual year)
- Milestone benefits
- 1% fuel surcharge waiver
- 2 EDGE Miles earned on every 100 spent
- Reward points on travel
5 EDGE Miles earned on every 100 spent - Total value for customer
- Annual spends
(₹15,00,000) - -
- -
- -
- -
- 3,00,000
- 1,50,000
- 6,00,000
- 7,50,000
- 15,00,000
- EDGE Miles
- 2,500
- -
- -
- 5,000
- 10,000
- -
- 12,000
- 37,500
- -
- Annual value realised (in ₹)
- 2,500
- 24,300
- 14,400
- 5,000
- 10,000
- 1,500
- 12,000
- 37,500
- 1,07,200
Eligibility criteria
- Primary cardholder should be between the age of 18-70 years
- Add-on cardholder should be over 18 years
- Income criteria:
- Salaried : Net annual income of ₹12 lakh and above
- Self employed : Net annual income of ₹15 lakh and above
- Resident of India
*The above criteria are only indicative. The bank reserves the right to approve or decline applications for credit card.
Documentation
- The below documents are required for application:
- PAN card photocopy or Form 60
- Latest payslip/ Form 16/IT return copy as proof of income
- Residence proof (passport/driving license/ electricity bill/ landline telephone bill)
*The above list is only indicative. Documents required may vary on a case to case basis.
| Charges | Atlas credit card |
|---|---|
| Standard joining fee | ₹5,000 |
| Standard annual fee (2nd year onwards) | ₹5,000 |
| Standard add-on card joining fee | Nil |
| Standard add-on Card annual fee | Nil |
| Finance charges (retail purchases & cash) | 3.75% per month (55.55% per annum) |
| Cash withdrawal fees | 2.5% (Min. ₹500) of the cash amount |
| Fee for cash payment | ₹175 |
| Card replacement | Nil |
| Duplicate statement fee | Waived |
| Overdue penalty or late payment fee | Nil if total payment due is up to ₹500 |
| ₹500 if total payment due is between ₹501 and ₹5,000 | |
| ₹750 if total payment due is between ₹5,001 and ₹10,000 | |
| ₹1,200 if total payment due is greater than ₹10,000 | |
| Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared | |
| Over limit penalty | 2.5% of the overlimit amount (Min. ₹500) |
| Chargeslip 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. ₹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 ₹400 to ₹4,000. Maximum benefits up to ₹400 per statement cycle)
Note: The fuel surcharge is not levied by the card issuing bank, on certain fuel transactions, the fuel surcharge may be levied as ₹10 + GST instead of 1% + GST. |
| Foreign currency transaction fee | 3.50% of the transaction value |
| Mobile alerts for transactions | Waived |
| Hotlisting charges | Waived |
| Balance enquiry charges | Waived |
| Reward redemption fee | A reward redemption fee of ₹99 will be levied for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal. A fee of ₹199 will be levied for each instance of conversion/transfer of EDGE REWARD points or EDGE Miles to other miles partner loyalty programs. |
| Rent Transaction fee ( applicable from 5th March 2023) | 1% will be applicable on each rental transaction |
| Dynamic currency convrsion markup ( applicable from 5th March 2023) | 1.5% on International transaction performed in Indian currency at international location or transactions performed in indian currency with merchants located in Indian but registered in foreign nation |
| Wallet load transaction fee | 1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle |
| Fuel transaction fee | 1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle |
| Education transaction fee | 1% fee on education payments made via third-party apps |
| Utility transaction fee | 1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle |
| Online skill-based gaming transaction fee | 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle |
For all above fees and charges, taxes as per Government norms shall be applicable
What is EDGE Mile?
EDGE Mile is a Axis Bank loyalty currency specially defined for ATLAS credit cardholder. Each EDGE Mile worth of ₹1/-
Is EDGE Mile & EDGE Point same?
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
Where can I see the EDGE Miles?
ATLAS credit cardholder can visit EDGE Miles Section of the Axis Bank Mobile App for viewing accrued EDGE Miles
What is a tier?
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)
Where can I find my tier details?
Visit tier dashboard in the Axis Bank Mobile App
How can I upgrade my membership tier?
You can upgrade your card tier by achieving key spend Milestones at ₹7.5 lakh and ₹15 lakh. Each new tier brings in additional benefits.
Can I upgrade my tier by paying some additional fee?
No. Tier upgrade happens when ATLAS credit cardholder achieves spend milestone
How to redeem Edge Miles?
Cardholders can redeem EDGE Miles for booking flights, hotels & experiences by-
Logging into Axis Bank Mobile app & clicking on “Book Now” in EDGE Miles dashboard
Logging into https://traveledge.axisbank.co.in/
EDGE Miles can also be transferred into partner Miles under Axis Bank's Miles transfer program (where 1 EDGE Mile = 2 partner mile). Cardholders can convert EDGE Miles by –
Logging into Axis Bank Mobile app & clicking on “Book Now” in EDGE Miles dashboard
Logging into https://traveledge.axisbank.co.in/