Axis Bank Atlas Credit Card Benefits, Fees & EDGE Miles Rewards

An airline-neutral travel credit card that will help you on all of your trips. Take advantage of special travel perks and much more.

Axis Bank Atlas Credit Card Fees & Charges

Axis Bank Atlas Credit Card Joining & Annual Fees

  • Standard Joining Fee: ₹5,000
  • Standard Annual Fee (2nd year onwards): ₹5,000
  • Add-on Card Joining Fee: Nil
  • Add-on Card Annual Fee: Nil

Axis Bank Atlas Credit Card Finance Charges

  • Finance Charges (Retail Purchases & Cash): 3.75% per month (55.55% per annum)

Axis Bank Atlas Credit Card Cash Withdrawal Fees

  • Cash Withdrawal Fee: 2.5% of cash amount (Minimum ₹500)
  • Fee for Cash Payment: ₹175

Axis Bank Atlas Credit Card Late Payment & Overdue Charges

  • Nil if total payment due up to ₹500
  • ₹500 if due between ₹501 – ₹5,000
  • ₹750 if due between ₹5,001 – ₹10,000
  • ₹1,200 if due above ₹10,000
  • Additional ₹100 if Minimum Amount Due (MAD) missed for two consecutive cycles (continues until cleared)

Axis Bank Atlas Credit Card Overlimit Charges

  • 2.5% of the overlimit amount (Minimum ₹500)

Axis Bank Atlas Credit Card Cheque & Payment Related Charges

  • Cheque Return / Dishonour Fee: 2% of payment amount (Minimum ₹500)
  • Outstation Cheque Fee: Waived
  • Chargeslip Retrieval / Copy Request Fee: Waived

Axis Bank Atlas Credit Card Fuel Fees and Charges

  • Fuel Transaction Surcharge: 1% of transaction amount
  • Fuel surcharge refund applicable between ₹400 – ₹4,000
  • Maximum benefit up to ₹400 per statement cycle
  • In some cases, fuel surcharge may be ₹10 + GST instead of 1% + GST
  • Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle

Axis Bank Atlas Credit Card Foreign Transaction Fees

  • Foreign Currency Transaction Fee: 3.50% of transaction value
  • Dynamic Currency Conversion Markup: 1.5% on eligible international transactions

Axis Bank Atlas Credit Card Reward Redemption Charges

  • ₹99 per redemption of EDGE Reward Points or EDGE Miles
  • ₹199 per conversion/transfer of EDGE Reward Points or EDGE Miles to partner loyalty programs

Axis Bank Atlas Credit Card Wallet & Utility Charges

  • Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle
  • Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle

Axis Bank Atlas Credit Card Education & Rent Charges

  • Education Transaction Fee: 1% on education payments via third-party apps
  • Rent Transaction Fee: 1% on each rental transaction

Axis Bank Atlas Credit Card Online Gaming Charges

  • 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms per statement cycle

Axis Bank Atlas Credit Card Other Waived Charges

  • Card Replacement: Nil
  • Duplicate Statement Fee: Waived
  • Mobile Alerts for Transactions: Waived
  • Hotlisting Charges: Waived
  • Balance Enquiry Charges: Waived
  • Railway Ticket Surcharge: As prescribed by IRCTC / Indian Railways

Axis Bank Atlas Credit Card Eligibility Criteria

Before applying for the Axis Bank Atlas Credit Card, applicants must meet the following eligibility requirements:

Age Requirement for Axis Bank Atlas Credit Card

  • The primary cardholder must be between 18 and 70 years of age.
  • The add-on cardholder must be at least 18 years old.

Income Criteria for Axis Bank Atlas Credit Card

  • Salaried individuals: Minimum net annual income of ₹12 lakh or above.
  • Self-employed individuals: Minimum net annual income of ₹15 lakh or above.

Residential Status for Axis Bank Atlas Credit Card

  • The applicant must be a resident of India.

Axis Bank Atlas Credit Card Documents Required

To apply for the Axis Bank Atlas Credit Card, applicants must submit valid documents for identity, income, and address verification.

Identity and Tax Proof for Axis Bank Atlas Credit Card

  • PAN Card copy
  • Form 60

Income Proof (Latest Documents) for Axis Bank Atlas Credit Card

  • Recent salary slips
  • Form 16
  • Income Tax Return (ITR) copy

Address Proof for Axis Bank Atlas Credit Card

  • Passport
  • Driving License
  • Electricity Bill
  • Landline Telephone Bill

Axis Bank Atlas Credit Card Benefits and Features

Axis Bank Atlas Credit Card Welcome Benefits

Take advantage of a welcome bonus of 2500 EDGE Miles on your first ATLAS credit card transaction within 37 days of the card’s issuance date.

Axis Bank Atlas Credit Card Annual Benefit

Bonus EDGE Miles are a unique anniversary perk available with the Axis Bank Atlas Credit Card. Upon renewing their card, cardholders are eligible to earn up to 5,000 EDGE Miles annually.

Information about the Anniversary Bonus

  • Bonus EDGE Miles are awarded following the successful payment of the ₹5,000 + GST annual fee.
  • The cardholder’s membership tier determines how many EDGE Miles are granted.

EDGE Miles Credit by Membership Tier

  • Silver Tier: No anniversary EDGE Miles
  • Gold Tier: 2,500 EDGE Miles
  • Platinum Tier: 5,000 EDGE Miles

Spends Excluded from Tier Evaluation

Certain transactions are not considered for tier calculation. These include spending on:

  • Gold and jewellery purchases
  • Rent payments
  • Wallet loads
  • Government institutions
  • Insurance payments
  • Fuel transactions
  • Utility and telecom merchants

Axis Bank Atlas Credit Card Milestone Benefits – Earn Up to 10,000 EDGE Miles

The Axis Bank Atlas Credit Card rewards cardholders with milestone bonuses when they achieve specific annual spending targets. You can earn up to 10,000 EDGE Miles in a year by reaching eligible spend milestones.

How Milestone EDGE Miles Are Credited

  • EDGE Miles are credited to the cardholder’s EDGE Miles account after successfully achieving the required annual spending milestone.
  • The bonus is awarded in stages based on cumulative eligible spends.

Annual Spend Milestones and Bonus EDGE Miles

  • ₹3,00,000 annual spend: 2,500 EDGE Miles
  • ₹7,50,000 annual spend: Additional 2,500 EDGE Miles
  • ₹15,00,000 annual spend: Additional 5,000 EDGE Miles

Transactions Not Eligible for Milestone Calculation

  • Gold and jewellery purchases
  • Rent payments
  • Wallet loading transactions
  • Government institution payments
  • Insurance payments
  • Fuel transactions
  • Utility and telecom payments

Axis Bank Atlas Credit Card Reward Point Value

  • 1 EDGE Mile is equal to ₹1/-
  • 2 EDGE miles per ₹100 spent*
  • 5 EDGE Miles per ₹100 spend