The Axis Bank Atlas Credit Card is a sub-premium travel category card offering exclusive air miles to users who frequently travel by air. The Atlas credit card is not a co-branded card like other travel cards offered by Axis Bank and is a generic card. It has a joining fee of Rs. 5000 and offers exclusive travel, airport lounge access, and dining benefits.
For every purchase made with the card, you earn Edge Miles that are redeemable for Air Miles of partner airlines’ flyer programs or for booking flights/hotels via the bank’s Travel Edge portal.
The Atlas Card offers travel benefits including complimentary access to international and domestic airport lounges, higher reward rate on foreign currency transactions and complimentary airport concierge service. For detailed information about Axis Bank Atlas Credit Card refer to the details given below:
- Joining Fee- Rs. 5,000 (plus applicable taxes)
- Renewal Fee- Rs. 5,000 (plus applicable taxes)
- Best Suited For- Travel
- Reward Type- Reward Points
- Welcome Benefits- 5,000 Edge Miles on successfully completing 1 transaction within 30 days of card set up date.
Rewards and Benefits
- Movie & Dining- Discounts of up to 25% up to Rs. 800 at partner restaurants via EazyDiner. Offer valid twice per month on a minimum order value of Rs. 2000.
- Rewards Rate- 5 Edge Miles for every Rs. 100 spent on travel spends, 2 Edge Miles for every Rs. 100 spent on all other transactions excluding spends on Hotels, Airlines, and TRAVEL EDGE Portal
- Reward Redemption- Edge Miles can be transferred to international and domestic loyalty program partners for airlines and hotels.
- Travel- Complimentary airport lounge access, complimentary airport concierge service, and chauffeured airport pickup service.
- Golf- N/A
- Domestic Lounge Access- 8 per annum with Silver Tier, 12 per annum with Gold Tier and 18 per annum with Platinum Tier
- International Lounge Access- 4 per annum under Silver Tier, 6 per annum under Gold Tier and 12 per annum under Platinum Tier
- Insurance Benefits- N/A
- Zero Liability Protection- N/A
Fees & Charges
- Spend based Waiver- N/A
- Rewards Redemption Fee- Nil
- Foreign Currency Markup- 3.5% of the transaction amount
- Interest Rates- 3.6% per month (or 52.86% annually)
- Fuel Surcharge- 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000 (capped at Rs. 400 pm)
- Cash Advance Charge- 2.5% of the withdrawal amount (subject to min charge of Rs. 500)
- Add- on Card Fee- Nil
Product Details
- Reward Points are earned as Axis Bank Edge Miles.
- 5,000 Edge Miles that are worth Rs. 5,000 on joining the card membership.
- 5 Edge Miles per Rs. 100 on all travel spends with the card.
- 2 Edge Miles per Rs. 100 spent on other eligible transactions
- Card available in three tiers of membership- silver, gold and platinum.
- Bonus Edge Miles on reaching specified spend milestones with the card.
- 25% off up to Rs. 800 via EazyDiner at partner restaurants
- Complimentary access to domestic and international airport lounges
- Complimentary airport concierge service for Gold and Platinum tier members
- Chauffeured airport pickup service for Platinum tier members
Axis Bank Atlas Credit Card Features and Benefits
The Atlas Credit Card issued by Axis Bank is a recently launched travel credit card that offers exclusive privileges across various categories. Following are detailed features of the Atlas credit card:
Welcome Benefit
You get 5,000 Edge Miles as a welcome gift on successfully completing 1 transaction within 30 days of card set up date.
Axis Bank Atlas Credit Card Tiers
Axis Bank Atlas Credit Card membership comes in three tiers- Silver Tier, Gold Tier, and Platinum Tier. The tier of a particular customer’s membership depends upon their annual spends with the card.
If a cardholder is spending Rs. 7.5 lacs or less in an annual year, he will be falling under Silver Tier Membership, but if he is spending between Rs. 7.5 lacs to Rs. 15 lacs, he will be under Gold Tier Membership, and if his annual spends of the year exceed Rs. 15 lacs, he will be considered under Platinum Tier Membership. The same is depicted in the table below-
| Annual Spends | Membership Tier |
| Less than Rs. 7.5 lacs | Silver |
| Between Rs. 7.5 lacs and Rs. 15 lacs | Gold |
| More than Rs. 15 lacs | Platinum |
The membership tiers are different in terms of the number of Edge Miles that you get as a renewal benefit, the number of domestic/international airport lounge access you get annually, and the number of times you can avail of the complimentary airport concierge service (more on these differences later in the article).
Your membership Tier will be downgraded next year onwards if you are not able to maintain the minimum spend with your Axis Bank Atlas Credit Card in the current year according to the tier which you fall in. You will remain in the same tier, i.e., Silver Tier, if you spend Rs. 7.5 lacs or less in the current year. Now if you were in the Gold Tier but in the current year, you annual spends are less than Rs. 7.5 lacs, you will be downgraded to Silver Tier Membership. Adding to this, if on the basis of you annual spending, you were a part of Platinum Tier Membership but in the current year, your annual spends fall below Rs. 15 lacs, then you will be downgraded from Platinum Tier Membership to Silver or Gold Tier Membership. This can be explained in a tabular form in the following way-
| Existing Tier | Tier After Downgradation |
| Silver | N/A |
| Gold | Silver |
| Platinum | Silver (for spend < INR7.5 Lac )
Gold (for spend >INR 7.5 Lac & < INR15 Lac ) |
Annual Benefit
You get Bonus Edge Miles on your Atlas Credit Card annually once the card’s renewal fee is paid. The number of Bonus Miles received as the annual benefit is different for each of the tiers of the card membership. 2,500, 5,000, and 10,000 Bonus Edge Miles are credited in Silver, Gold, and Platinum Tier Membership upon payment of renewal fees of Axis Bank Atlas Credit Card.
| Membership Tier | Edge Miles Credited Annually |
| Silver | 2,500 |
| Gold | 5,000 |
| Platinum | 10,000 |
Milestone Benefits
A particular spend amount is pre-decided by the bank for each tier. Upon achieving that milestone spend the amount of your respective tier, and you will be credited will Bonus Edge Miles pertaining to your tier. You get Bonus Edge Miles on achieving the spend targets with your Axis Bank Atlas Credit Card. In the case of Silver Tier Membership, the milestone spend amount is Rs. 3 lacs and Bonus Edge Miles are 2,500 while in the case of Gold Tier Membership, the milestone spend amount is Rs. 7.5 lacs and Bonus Edge Miles are 5,000. The Platinum Tier Membership comes with the milestone spend of Rs. 15 lacs and the Bonus Edge Miles that will be credited are 10,000.
| Spend Milestone | No. of Edge Miles |
| Rs. 3 lacs | 2,500 |
| Rs. 7.5 lacs | 5,000 |
| Rs. 15 lacs | 10,000 |
Travel Benefit
You get complimentary access to domestic & international airport lounges along with complimentary airport concierge service.
Axis Bank Atlas Credit Card Lounge Access
The lounge access benefit is different for card members in different tiers of membership. The following table illustrates the complimentary domestic as well as international airport lounge visit privilege that you get on your Axis Bank Atlas Credit Card-
| Membership Tier | Domestic Airport Lounge Visits | International Airport Lounge Visits |
| Silver | 8 | 4 |
| Gold | 12 | 6 |
| Platinum | 18 | 12 |
Airport Concierge Service
Gold and Platinum tier members of the Axis Bank Atlas Credit Card are entitled to complimentary concierge service every year. Silver tier members are not entitled to this service.
| Membership Tier | No. of Visits |
| Silver | N/A |
| Gold | 2 |
| Platinum | 4 |
Airport Pickup Service
Platinum members of the Axis Bank Atlas Credit Card are entitled to 2 complimentary airport pickup services every year. The airport pickup service benefit is not available to Gold and Silver Tier members.
Dining Benefits
You can avail Discounts of up to 25% up to Rs. 800 at partner restaurants via EazyDiner. Offer valid twice per month on a minimum order value of Rs. 2000.
Axis Bank Atlas Credit Card Rewards
- 5 Edge Miles per Rs. 100 on flight/hotel bookings via the Axis Bank Travel Edge portal.
- 2 Edge Miles per Rs. 100 on all other transactions made with the Axis Bank Atlas Credit Card.
Reward Redemption
The Edge Miles earned on the Axis Bank Atlas Credit Card can be redeemed in the following two ways-
- booking flight tickets or making hotel reservations through Axis Bank Travel Edge Portal.
- transferring the Edge Miles on the card to partner airlines’ frequent flyer program. The following table illustrates the monetary value of Edge Miles for redemption against the Miles of different partner airlines’ frequent flyer program-
| Airline’s Name | Conversion Rate (Edge Miles:Partner Miles) |
| Air France – KLM | 1:2 |
| IHG | 1:2 |
| Marriot International | 2:1 |
| Etihad Airways | 1:2 |
| Air Asia | 1:2 |
| Ethiopian Airlines | 1:2 |
| Turkish Airlines, ITC Hotels | 1:2 |
Fuel Surcharge Waiver
Get a 1% waiver on the surcharge applicable on the fuel transactions between Rs. 400 and Rs. 4,000. Maximum Rs. 400 waiver can be earned in a month.
Axis Bank Atlas Card Fees and Charges
The following are the most important charges applicable on the Atlas credit card and must be considered by the applicants:
- The card charges Rs. 5,000 plus taxes as the renewal and joining for the card.
- The finance charges applicable on the card are 3.6% p.m.
- The foreign currency markup fee on the Axis Bank Atlas Card is 3.5% of the total transaction amount.
- For every cash withdrawn with the atlas card, 2.5% of the amount (minimum Rs. 500) is charged as a cash advance fee.
Axis Bank Atlas Credit Card Eligibility Criteria
The table given below summarises the eligibility criteria for the Axis Bank Atlas credit card:
| Particular | Criteria |
| Age | 18 Years – 70 Years |
| Income | Salaried – 9 Lakhs and above Self-Employed – 12 Lakhs and above |
| Credit Score | Decent credit score (750 or above) |
Documents Required
Following are the documents that are required when applying for the Atlas credit card by Axis Bank:
- Copy of PAN Card or Form 60
- Passport-sized photo.
- Identity Proof: Voter’s Id, Driving License, Aadhar Card, Passport, etc.
- Address Proof: Utility bills, Passport, Aadhar Card, etc.
- Proof of Income: Latest salary slips or bank statements or latest ITR.
How To Apply For The Axis Bank Atlas Credit Card?
If you want to apply for the Atlas credit card offline, then you can do the same by visiting the axis bank branch in your city and fill the application form. Or you can apply for the card online, by following the steps given below:
- Click on the Apply Now button above.
- Under the ‘Explore Products’ option, go to ‘Cards.’
- Now select ‘Credit Cards.’
- Find the ‘Axis Bank Atlas Credit Card’ and click ‘Apply Now.’
Conclusion
The Axis Bank Atlas Credit Card is a great selection for people who spend a lot of money on domestic and international travel annually. You get a welcome benefit of 5000 Edge Miles and bonus miles on spending the milestone amount based on your tier.
The Edge Miles earned on the card are transferable to partner airlines’ frequent flyer program and the card offers complimentary stays at international airport lounges, dining benefits, and an accelerated reward rate on foreign currency transactions.
The card can be a good alternative to Axis Bank Miles & More Credit Card which is another travel credit card offered by Axis Bank suitable for international travellers.
