Axis Bank Atlas Credit Card Review, Benefits, Features, Eligibility, more

After the recent Devaluation of Axis Magnus credit card, Axis Atlas card has emerged as an rewarding alternative. It has got a better valuation, accelerated rewards, more transfer partners, milestone spend rewards, and a whole lot more for Travel enthusiasts. As the name suggests, Axis Atlas is a pure Travel credit card, and can be termed as the Best Global Travel Credit Card in India till date, thanks to higher reward rate and a long list of top transfer partners all around the world! However, it does not have Zero Liability Protection and Insurance benefits. Axis Bank Atlas Credit Card is an Ultra Premium travel credit card. Now, let’s go through the Axis Bank Atlas Credit Card Review, Benefits, Features, Eligibility, and much more. You can also grab some amazing Axis Credit Card offers!

After you receive and set up your Axis Bank Atlas Credit Card, make your 1st transaction within 30 days to get Free 5000 EDGE Miles (credited within 7 days of transaction). Make a note that 1 EDGE Mile = ₹1.

Note: It will not earn you Edge Reward Points but instead Edge Miles

Make a note that hotel and airline aggregators like MakeMyTrip, GoIbibo, Cleartrip, etc are not eligible for earning Edge Miles on Axis Bank Atlas Credit Card. Transfer Edge Miles to Partner Flight and Hotel points for doubling (2X) the value!

At start, you will be in the Axis Atlas Card Silver tier. On reaching ₹7.5 lacs in spendings, Gold tier will be activated, and later the Platinum tier at ₹15 lacs. All these upgrades can be done in an anniversary year (12 months from card setup/renew date). If you achieve the target at the end of 1st year then upgraded Tier will be valid for the whole 2nd year! However, one drawback is that airport services can neither be booked on the Extraordinary weekends portal nor through concierge line which was available with Axis Magnus and Reserve cards. There is a 1% Fuel Surcharge waiver upto ₹400/month for all customers irrespective of the tier.

Note: Milestone Rewards mentioned includes cumulative EDGE Miles.

There are 300+ Partner Direct Airlines (MCC: 3000-3350 and 4511) with Axis Atlas Credit Card. Some of the popular ones among Indians are mentioned below.

• United Airlines

• American Airlines

• Japan Airlines

• British Airways

• Air France

• Lufthansa

• Air France

• Air Canada

• Qantas

• Saudi Arabian Airlines

• Swiss Air

• South African Airways

• Air India

• Emirates Airlines

• Singapore Airlines

• Thai Airways

• Garuda (Indonesia)

• Qatar Airways

• Virgin Atlantic

• Indian Airlines

• Turkish

• Etihad

• Ethiopian

There are many Partner Direct Hotels (MCC: 3501-3838 and 7011) with Axis Atlas Credit Cards. They also include Lodging, motels, and resorts. Some of the popular ones in India are:

• Holiday Inn

• IHG Hotels & Resorts

• ITC Hotels

• Hilton Hotels

• Marriott Hotels

• Westin Hotels

• Meridian Hotels

• Peninsula Hotels

• Shangri-la International

• Park Inn International

• Mandarin Oriental Hotels

• California Hotels and Casino

• Fairmont Hotels

• Swissotel

• Hyatt Hotels

• Sofitel Hotels

• Novotel Hotels

• Radisson Hotels

• Oberoi Hotels

• Taj Hotels International

• Courtyard by Marriott

• Marriott Bonvoy

• Accor Hotels

The Edge Miles Transfer Program ratio is 1:2 (1 EDGE Mile = 2 Partner Miles/Points) to partner domestic & International airlines and hotels (except Marriott where ratio is 2:1). Thus, your reward points value will be doubled (2X) on Axis Bank Atlas Credit Card. You can also 4X it via airline sweet spots! Thus, it is better to go for direct flight and hotel booking instead of Axis Travel Edge Portal as there the redemption ratio is 1:1. For Marriott, you can first transfer to ITC Hotels and then to Marriott as 2 ITC points = 3 Marriott Bonvoy points ( 60K points/year transfer limit) so you will get 3X value!

Note: Edge Miles cannot be encashed👎Also you cannot benefit from Axis GiftEdge or Grab Deals.

Axis Bank Atlas Card gives 25% off up to ₹800 on min bill of ₹2000 at dining restaurants via EazyDiner (10k+ restaurants). This offer can be availed 2 times in a month.

As a silver member, when you spend ₹3 lakhs (30k on fuel, 1.20 lakhs on regular transactions, 1.50 lakhs on travel), you get ₹34,700 reward value (Edge Miles, Lounges, Fuel waiver) i.e. 11.5%. Similarly, Gold adds on more Lounge visits and airport concierge services, and its loyalty reward values at ₹67,750. Platinum is with many more Lounge visits and an addition of airport pickup services, valued at ₹1,31,800.

Note: Gold and Platinum reward value will be more than mentioned above as cumulation of lower tiers takes place.

The below mentioned Eligibility criteria are only indicative. Axis bank reserves the right to approve or decline applications for Atlas Credit Cards.

• Primary cardholder should be between age of 18 years and 70 years

• Add-on cardholder should be over 18 years

• Salaried : Net Annual income of Rs 9 Lakhs and above

• Self Employed : Net annual income of Rs 12 Lakhs & above

• Resident of India

You can Apply for an Axis Bank Atlas Credit Card with the following documents. Also checkout these amazing Axis Credit Card offers.

• PAN card photocopy or Form 60

• Latest payslip/ Form 16/IT return copy as proof of income

• Residence proof (Passport/Driving license/ Electricity Bill/ Landline telephone bill)

All the below mentioned Axis Bank Atlas Credit Card Fees & Charges are exclusive of taxes. You can also checkout amazing Credit Card offers for fine savings! 

• Standard Joining Fee: Rs 5000

• Standard Annual/Renewal Fee (2nd year onwards): Rs 5000

• Interest Rate (Retail Purchases & Cash): 3.60% per month (52.86% per annum)

• Cash Withdrawal Fees: 2.5% (Min. Rs 500) of the Cash Amount

• Fee for Cash Payment: Rs. 100

• Overdue Penalty or Late Payment Fee:

• Cheque return or dishonor fee or auto-debit reversal: 2% of the payment amount subject to Min. Rs. 450 and Max. Rs. 1,500

• Foreign Currency Transaction Fee: 3.50% of the transaction value (its high comparatively)

• Rent Transaction fee: 1% capped at INR 1,500 per transaction on rental transactions

• Dynamic Currency Conversion markup: 1% on International transactions performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nations.

• Renewal Fee waiver: No (but there are renewal benefits)

• Over Limit Penalty: 2.5% of the overlimit amount (Min. Rs 500)

The Axis Bank Atlas credit card Limit will depend on your credit score, income, and many other factors considered by CIBIL and Axis Bank.

You will find all the official information and detailed T&Cs on Axis Bank Atlas credit cards in this PDF document.

What is an Atlas Finance card?

Atlas Finance card is nothing but the Axis Bank Atlas credit card which is an ultra premium travel credit card

How to redeem/transfer Edge Miles on Axis Bank Atlas credit card?

You can redeem/transfer Edge Miles via Axis Bank Atlas credit card Dashboard on your Axis Bank Mobile App or Netbanking.

What is Axis Bank Atlas credit card customer care number and email address?

For EDGE Miles Credit & Related queries, email to axisbank.com/support or call on 1860-419-5555 or 1860-500-5555. For Travel EDGE portal queries, email to [email protected] or call on 02268554000.

Can I use an Atlas card on the gift edge portal and earn points?

No, you cannot use an Atlas card on the gift edge portal to earn points.

Can I use an Atlas card on the travel edge portal and earn miles?

Yes, you will earn 5 edge miles per ₹100 spent on travel edge portal.