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The Terms and Conditions of Axis Atlas Credit Card will be updated w.e.f. 20th April'24. 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 Rs 1/-

Click here for detailed T&Cs

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 Rs. 7.5L of spends, you get upgraded the Gold tier and when you spend beyond Rs. 15L, you get upgraded to the Platinum tier.

Each tier comes with base earn of 2 EDGE Miles per Rs. 100 spent and accelerated earn of 5 EDGE Miles per Rs. 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 merchants*

Category DescriptionMerchant Category Codes (MCC)
Gold/ Jewellery5094, 5944
Rent6513
Insurance 6300, 6381, 5960, 6012, 6051
Government Institutions9222, 9311, 9399, 9402
Utilities 4814, 4816, 4899, 4900
Fuel5541, 5542, 5983
Wallet6540

**applicable on spends done from 20th April 2024 onwards

 

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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 Rs 5000 + GST.
  • EDGE Miles credit shall be as per the following:
Membership TIerNo. of EDGE Miles
Silver-
Gold2,500
Platinum5,000

Please Note: 1 EDGE Mile is equal to Rs 1/-

Spends threshold for Tier evaluation will exclude transactions done on Gold/ Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, and Utilities merchants*

Category DescriptionMerchant Category Codes (MCC)
Gold/ Jewellery5094, 5944
Rent6513
Insurance 6300, 6381, 5960, 6012, 6051
Government Institutions9222, 9311, 9399, 9402
Utilities 4814, 4816, 4899, 4900
Fuel5541, 5542, 5983
Wallet6540

**applicable on spends done from 20th April 2024 onwards

Click here for detailed T&Cs

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 Rs 1/-

Spends Milestone (in Rs)No. of EDGE Miles
3,00,0002500
7,50,000Additional 2500
15,00,000Additional 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 merchants

Category DescriptionMerchant Category Codes (MCC)
Gold/ Jewellery5094, 5944
Rent6513
Insurance 6300, 6381, 5960, 6012, 6051
Government Institutions9222, 9311, 9399, 9402
Utilities 4814, 4816, 4899, 4900
Fuel5541, 5542, 5983
Wallet6540

**applicable on spends done from 20th April 2024 onwards

Click here for detailed T&Cs

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!

  • 1
    Airport Benefits
    • Domestic & International Lounge Access
    View All
  • 2
    Dedicated Portal
    • Miles Transfer Program
    View All
  • 3
    Dining Delights
    • Provides upto 25% discount
    • Over 10,000+ restaurants via EazyDiner
    View All

Spend more, Earn more!

With our tiered system of rewards and benefits, you can benefit more when you reach milestone spends worth INR 7.5 Lakhs and INR 15 Lakhs 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
    (Rs. 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 Rs)
  • 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
    (Rs. 7,50,000)
  • -
  • -
  • -
  • -
  • 7,50,000
  • 75,000
  • 3,00,000
  • 3,75,000
  • 7,50,000
  • Edge Miles
  • 2500
  • -
  • -
  • 2500
  • Additional 2500
  • -
  • 6,000
  • 18,750
  • -
  • Annual Value Realised (in Rs)
  • 2500
  • 12,150
  • 9,600
  • 3,000
  • 2500
  • 5,000
  • 750
  • 6,000
  • 18,750
  • 57,250
  • Platinum Benefits
  • 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
    (Rs. 15,00,000)
  • -
  • -
  • -
  • 15,00,000
  • 1,50,000
  • 6,00,000
  • 7,50,000
  • 15,00,000
  • Edge Miles
  • -
  • -
  • 5,000
  • Additional 5,000
  • -
  • 12,000
  • 37,500
  • -
  • Annual Value Realised (in Rs)
  • 24,300
  • 14,400
  • 5,000
  • 10,000
  • 1,500
  • 12,000
  • 37,500
  • 1,04,700
Eligibilty Criteria & Documentation

Eligibility Criteria

  1. Primary cardholder between age of 18 years and 70 years
  2. Add-on cardholder should be over 18 years
  3. Income Criteria:
    1. Salaried : Net Annual Income of Rs.12 lakhs and above
    2. Self Employed : Net Annual Income of Rs.15 lakhs and above
  4. Resident of India

*The above criteria are only indicative. The bank reserves the right to approve or decline applications for credit card.

Documentation

  1. The below documents are required for application:
  2. PAN card photocopy or Form 60
  3. Latest payslip/ Form 16/IT return copy as proof of income
  4. 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.

Fees & Charges
ChargesAtlas Credit Card
Standard Joining FeeRs 5000
Standard Annual Fee (2nd year onwards)Rs 5000
Standard Add-on Card Joining FeeNil
Standard Add-on Card Annual FeeNil
Finance Charges (Retail Purchases & Cash)3.60% per month (52.86% per annum)
Cash Withdrawal Fees2.5% (Min. Rs 500) of the Cash Amount
Fee for Cash PaymentRs. 100
Card ReplacementNil
Duplicate Statement FeeWaived
Overdue Penalty or Late Payment FeeNil 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
Over Limit Penalty2.5% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request FeeWaived
Outstation Cheque FeeWaived
Cheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to Min. Rs. 450 and Max. Rs. 1,500
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% 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 Fee3.50% of the transaction value
Mobile Alerts for TransactionsWaived
Hotlisting ChargesWaived
Balance Enquiry ChargesWaived
Reward Redemption feeWaived
Rent Transaction fee ( Applicable from 5th March 2023) 1% capped at INR 1,500 per transaction on rental transactions
Dynamic Currency Convrsion markup ( Applicable from 5th March 2023)1% 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

For all above fees and charges, taxes as per Government norms shall be applicable

FAQ

  • What is EDGE Mile?

    EDGE Mile is a Axis Bank loyalty currency specially defined for ATLAS Credit Cardholder. Each EDGE Mile worth of INR 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 lakhs and 15 lakhs. 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-

    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 –

Important Links

ATLAS Credit Card Features & Benefits T&Cs

Credit Card General T&Cs

Credit Card Control Center

Credit Card Authentication

Card Services

Card Protection

Card Benefits

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