Axis Bank ATLAS Credit Card
About Axis Bank ATLAS Credit Card
Axis Bank ATLAS Credit Card by Axis Bank is engineered for consumers looking for solid rewards on day-to-day transactions with clear fee recovery milestones.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| š½ļøMovie & Dining | Discounts and partner offers on leading dining apps and movie booking platforms. |
| ā”Rewards Rate | 1-2% return on retail spends |
| š°Reward Redemption | Redeemable for vouchers, merchandise, and air miles via bank rewards portal |
| āļøTravel | N/A |
| šļøDomestic Lounge Access | 8 complimentary domestic airport lounge visits per year |
| šInternational Lounge Access | N/A |
| ā³Golf | N/A |
| š”ļøInsurance Benefits | Complimentary lost card liability and fraud protection |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | Annual Charges Waived on Spends of ā¹5,00,000 or MoreSpend ā¹5,00,000 or more in the preceding anniversary year for fee reversal. |
| Interest Rates / Finance Charges | 3.60% per month (52.86% APR)Applicable if the Total Amount Due is not paid in full by the due date. Finance charges accrue from transaction date. |
| Late Payment Charges | Up to ā¹500: NIL | ā¹501āā¹5,000: ā¹500 | ā¹5,001āā¹10,000: ā¹750 | Above ā¹10,000: ā¹1,200Tiered late fee applied when Minimum Amount Due is not received on or before the Payment Due Date. |
| Foreign Currency Markup | 3.50% + GSTStandard cross-currency transaction markup levied on all foreign currency retail transactions. |
| Dynamic Currency Conversion (DCC) | 1.00% + GSTLevied on international retail transactions conducted in Indian Rupees (INR) at merchant POS or foreign websites. |
| Rewards / Cashback Redemption Fee | ā¹99 + GST per redemption requestCharged per redemption request of EDGE REWARDS points on catalogue vouchers or merchandise. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ā¹400 and ā¹4,000 (Max ā¹400/month)Surcharge reversed automatically on retail fuel purchase transactions across petrol pumps in India. |
| Cash Advance Charges | 2.5% of the transaction amount (Minimum ā¹500)Levied on cash withdrawals from domestic or international ATMs from transaction date until repayment. |
| Overlimit Charges | 2.5% of the overlimit amount (Minimum ā¹500)Levied if transactions cause the total outstanding balance to exceed the assigned credit limit. |
| Rental Transaction Surcharge | 1% fee capped at ā¹1,500 per transaction + GSTLevied on all rent payment transactions (MCC 6513) initiated on merchant aggregators or portals. |
| Wallet Reload Fee | 1% on wallet load transactions exceeding ā¹10,000/monthApplicable on cumulative wallet top-up transactions (Paytm, Mobikwik, etc.) within a calendar month. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ā¹450, Max ā¹1,500)Charged if cheque, ECS, or NACH instruction towards credit card settlement is dishonoured. |
| Card Replacement Fee | ā¹100 + GSTFee for re-issuing physical lost, stolen, or damaged card. |
| Physical Duplicate Statement Fee | ā¹100 per physical statement (Email statements: NIL)Physical statement request incurs print and dispatch fee. Monthly digital PDF statements are always free. |
| Railway Ticket Booking Surcharge | 1% + GST as per IRCTC guidelinesStandard railway ticket surcharge levied on IRCTC portal bookings. |
Product Details
Pros & Cons
Axis Bank ATLAS Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Welcome & Activation Benefit
Cardholders receive bonus welcome points or partner discount vouchers upon card setup and fee realization.
Air Miles Accrual Engine
Earn accelerated air miles on flight bookings and travel portals transferable to leading airline programs.
Fuel Surcharge Waiver
1% fuel surcharge reversed on eligible transactions between ā¹400 and ā¹4,000 at all fuel pumps across India.
Milestone Spend Reversals
Annual Charges Waived on Spends of ā¹5,00,000 or More
Axis Bank ATLAS Credit Card Miles Earning Structure
Transactions made using this card earn frequent flyer air miles transferable to partner airline programs.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| Statement Credit / Cash Voucher | ā¹0.20 to ā¹0.25 | Direct balance adjustment or popular shopping vouchers |
| Direct Air Miles Transfer | 1 Mile = 1 Partner Mile | Direct 1:1 transfer to airline loyalty programs |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for Axis Bank ATLAS Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 ā 60 Years | 21 ā 65 Years |
| Income Proof | Minimum ā¹25,000 Per Month | Minimum ā¹3,60,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
How to Apply for Axis Bank ATLAS Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ā¹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
2.30% effective benchmark return
Strong net ROI (>350% or >ā¹14,000 net return)
No monthly or category ceilings
Rewards Catalogue
Domestic (4/5) + Intl (0/3) + Terms (2/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Exceptional net ownership ROI, unrestricted reward cap headroom and broad consumer accessibility. The score is reduced by the forex markup, restricted redemption options and modest base reward yield.
You need to spend at least ā¹2,25,000 per year (ā¹18,750/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (ā¹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
You can apply online via the official Axis Bank web portal or mobile app. You will need your PAN, Aadhaar for digital KYC, and salary slips or ITR.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for Axis Bank ATLAS Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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