| Charges | Atlas Credit Card |
|---|
| Standard Joining Fee | Rs 5000 |
| Standard Annual Fee (2nd year onwards) | Rs 5000 |
| 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. Rs 500) of the Cash Amount |
| Fee for Cash Payment | Rs. 175 |
| Card Replacement | Nil |
| Duplicate Statement Fee | Waived |
| Overdue Penalty or Late Payment Fee | Nil if total payment due is up to Rs. 500 |
| Rs. 500 if total payment due is between Rs. 501 and Rs. 5,000 |
| Rs. 750 if total payment due is between Rs. 5,001 and Rs.10,000 |
| Rs. 1,200 if total payment due is greater than Rs 10,000 |
| Additional INR 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. Rs 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. Rs.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 Rs. 400 to Rs. 4,000. Maximum benefits up to Rs. 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 INR 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 Rs. 99 will be levied for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal. A fee of Rs. 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 Rs.10,000 or more on wallet loads per statement cycle |
| Fuel transaction fee | 1% fee on cumulative spends of Rs.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 Rs. 25,000 or more on utilities per statement cycle |
| Online skill-based gaming transaction fee | 1% fee on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement cycle |
