Axis Bank Atlas Credit Card: Features, Fees, Benefits, and Drawbacks Explained

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Card Fees

₹5,000 /-

Joining Fees

₹5,000 /-

Annual Fees

3.5%

Foreign Transaction Fee

3.75%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-70

Minimum & maximum age criteria

30,000

Minimum monthly income

750

Minimum credit score

Category

Minimum Credit Score Required

750

Annual Charges

₹5,000 /-

Features

  • 5 EDGE Miles/₹100 on Travel
  • 2 EDGE Miles/₹100 on Other Spends
  • Tiered Lounge Access (Silver/Gold/Platinum)

Welcome Offer

  • 2,500 EDGE Miles on Activation
  • ₹5,000 Value at ITC Hotels
  • Exclusive Travel Perks

Axis Bank Atlas Credit Card is designed for frequent travelers and lifestyle enthusiasts, offering exceptional travel perks and exclusive rewards. With benefits such as air miles, complimentary airport lounge access, and milestone rewards, the card caters to individuals who prioritize luxury travel and experiences. Its dynamic reward program lets you earn EDGE Miles that can be redeemed for flights, hotel stays, and more.

Written By:

Hasnain Memon

Last Updated:

April 25, 2025

Key Features

  • Welcome Benefit: EDGE Miles upon card activation
  • Reward Structure: Earn EDGE Miles on all domestic and international spends
  • Travel Benefits: Complimentary domestic and international lounge access
  • Milestone Benefits: Bonus miles on achieving spending milestones
  • Luxury Perks: Hotel privileges and travel upgrades
  • Fuel Surcharge Waiver: 1% surcharge waiver across petrol pumps

Benefits and Rewards:

  • Reward Points:
    • Earn EDGE Miles on every ₹100 spent
    • Accelerated miles for international spends and travel bookings
  • Travel Benefits:
    • Access to airport lounges globally
    • Travel insurance coverage
    • Milestone Rewards:
    • Bonus miles on spending thresholds
  • Exclusive Offers:
    • Hotel discounts and flight upgrades

Fees and Charges

Fee TypeAmount
Joining Fee₹5,000 + GST
Annual Fee₹5,000 + GST (waived on annual spends of ₹7.5 lakh)
Foreign Transaction Fee3.5% of the transaction amount
APR (Interest Rate)3.75% per month (45% per annum)
Overlimit Charges2.5% of the overlimit amount (minimum ₹500)
Cash Advance Fee2.5% of the amount (minimum ₹500)
Late Payment Charges₹100 to ₹1,200 depending on total outstanding
Reward Redemption Fee₹100 per redemption
Card Replacement Fee₹100

Pro and Cons:

Pros:

  • Generous air miles and travel benefits
  • Lounge access worldwide
  • Milestone rewards enhance savings
  • Hotel privileges and travel upgrades

Cons:

  • High joining and annual fee
  • Best suited for frequent travelers
  • Foreign currency markup can be costly

How to Apply

Apply Now
  1. Visit Axis Bank Website
  2. Go to axisbank.com
  3. Select Axis Bank Atlas Credit Card
  4. Find the Atlas Credit Card in the credit card section
  5. Click ‘Apply Now’
  6. Begin the application process
  7. Complete the Application
  8. Provide personal and income details
  9. Upload Documents
  10. Submit KYC and income proof
  11. Submit and Wait for Approval
  12. Await verification and approval
  13. Track Application.

Additional Information

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  1. What is the joining fee for the Axis Bank Atlas Credit Card?
    • The joining fee is ₹5,000 + GST.
  2. How can I waive the annual fee?
    • The annual fee is waived if you spend ₹25 lakh in the preceding year.
  3. What is the interest rate on this card?
    • The interest rate is 3.75% per month (55.55% per annum).
  4. Are there any foreign transaction fees?
    • Yes, the foreign transaction fee is 3.5% of the transaction amount.
  5. What are the EDGE Miles earning rates?
    • Earn 5 EDGE Miles per ₹100 on travel-related spends and 2 EDGE Miles per ₹100 on other eligible spends.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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