By Gunjan Bharara
Updated On September 1, 2022

Axis Bank Atlas Credit Card is a sub-premium travel category credit card best suited for frequent international flyers. Unlike most credit cards offered by Axis Bank in the travel category, Atlas Credit Card is a generic travel card (not a co-branded travel credit card). 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.

Atlas Card carries an annual fee of Rs. 5,000 (plus GST) and offers lots of travel benefits including complimentary access to domestic & international 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:

(4.5/5)

Best Suited For

Travel |

Joining Fee

Rs. 5,000 (plus applicable taxes)

Reward Type

Reward Points |

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 for every Rs. 100 spent on international transactions.
  • 1 Edge Mile for every Rs. 100 spent on other categories with the card.
  • Card available in three tiers of membership- silver, gold and platinum.
  • Bonus Edge Miles on reaching specified spend milestones with the card.
  • Complimentary access to domestic and international airport lounges.
  • Complimentary airport concierge service.

Rewards and Benefits

Welcome Benefits

5,000 Edge Miles on completing 3 transactions within 60 days of card set up date

Movie & Dining

Discounts of up to 20% a partner restaurants under Axis Bank’s Dining Delights Program

Rewards Rate

5 Edge Miles for every Rs. 100 spent on travel spends, 2 Edge Miles per Rs. 100 on forex transactions, 1 Edge Miles for every Rs. 100 spent on all other transactions

Reward Redemption

Edge Miles redeemable for hotel/flight bookings or are transferable to partner airlines’ frequent flyer program

Travel

Complimentary airport lounge access, complimentary airport concierge 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

Joining Fee

Rs. 5,000 (plus applicable taxes)

Renewal Fee

Rs. 5,000 (plus applicable taxes)

Spend based Waiver

N/A

Rewards Redemption Fee

Nil

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

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 making three successful transactions with the card within 60 days of joining the card membership.

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 earlier were in 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 Tier Membership. This can be explained in a tabular form in the following way-

Existing Tier Tier After Downgradation
Silver N/A
Silver Silver
Premium 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 of up to 20% discount at over 4,000 partner restaurants under Axis Bank’s Dining Delights Program if you pay your dining bill with your Axis Bank Atlas Credit Card.

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 international transactions done with the card (only for Platinum tier members).
  • 1 Edge Mile 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-

New wpDataTable

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 Above 18 years
Income Stable income as a salaried or self-employed
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.
  • 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:

  • Visit Axis Bank’s official website.
  • Under the ‘Explore Products’ option, go to ‘Cards.’
  • Now select ‘Credit Cards.’
  • Find the ‘Axis Bank Atlas Credit Card’ and click ‘Apply Now.’

Bottom Line

The Axis Bank Atlas Credit Card would be a good selection for you if you travel internationally often as not only the Edge Miles earned on the card are transferable to partner airlines’ frequent flyer program but also the card offers complimentary stays at international airport lounges 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.

FAQs:

Axis Bank Atlas Credit Card is offered in three tiers- Silver Tier, Gold Tier and Platinum Tier. Initially, the cardholder is in the Silver Tier and can be upgraded to a higher tier on achieving certain spend milestones with the card (more details on this above).

Silver Tier members get 8 domestic and 4 international airport lounge visits, Gold Tier members get 12 domestic and 6 international airport lounge visits and Platinum members get 18 domestic and 12 international airport lounge visits.

No, Edge Miles can either be transferred to a partner airline’s frequent flyer program or can be redeemed for booking flights/hotel rooms via Axis Bank’s Travel Edge Portal.

You earn 5 Edge Miles per Rs. 100 on flight/hotel bookings via Travel Edge portal, 2 Edge Miles for every Rs. 100 spent on international currency transactions and 1 Edge Mile for every Rs. 100 spent on all other transactions with Axis Bank Atlas Credit Card.

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