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Features of Axis Bank Atlas Credit Card

  • Rewards Program – EDGE Miles:
    • Travel Earning Rate: Earn 5 EDGE Miles per ₹100 spent on travel-related transactions, including:
      • Bookings via Axis Bank Travel EDGE Portal
      • Direct airline bookings (website, counter, helpline)
      • Hotel spends (official hotel websites or at counters)
      Cap: Valid for travel spends up to ₹2,00,000 per month.
    • General Earning Rate: Earn 2 EDGE Miles per ₹100 spent on all other eligible online/offline retail transactions.
    • Exclusions: No EDGE Miles are earned on gold/jewelry purchases, rent payments, wallet loads, government services, insurance premiums, fuel, or utility bill payments (effective from April 20, 2024).
  • EDGE Miles Value & Redemption:
    • Travel EDGE Portal: Redeem 1 EDGE Mile = ₹1 for flight tickets, hotel bookings, or travel experiences.
    • Miles Transfer Program: Convert EDGE Miles to 20+ airline and hotel partners, such as:
      • KrisFlyer, Air India Maharaja Club, Club ITC, Accor ALL, Miles&Smiles, FlyingBlue, etc.
Axis Bank Atlas Credit Card
    • Rewards Program (EDGE Miles):
      Travel Spending: Earn 5 EDGE Miles per ₹100 spent on travel-related transactions including bookings via Travel EDGE Portal, direct airline websites, hotel websites/counters. Applicable on cumulative travel spends up to ₹2,00,000 per month.
      Retail Spending: Earn 2 EDGE Miles per ₹100 on all other eligible online and offline retail transactions.
      Exclusions: No EDGE Miles for spends on utilities, insurance, rent, wallet loads, gold/jewelry, fuel, or government services (effective April 2024).
      Welcome Bonus: 2,500 EDGE Miles upon completing one transaction within 37 days of issuance (for cards issued on or after April 20, 2024).
      Milestone Benefits: Earn up to 17,500 EDGE Miles annually — 2,500 at ₹3L, 5,000 at ₹7.5L, and 10,000 at ₹15L spend.
    • Redemption Options:
      Travel EDGE Portal: Redeem EDGE Miles at ₹1 = 1 Mile for flight and hotel bookings (₹99 + GST redemption fee).
      Miles Transfer: Convert EDGE Miles to 20+ airline and hotel loyalty programs at 1:2 ratio (except Marriott Bonvoy: 2:1).
      Annual Transfer Cap: 1,50,000 EDGE Miles per customer ID (30,000 for Group A, 1,20,000 for Group B partners).
      Validity: EDGE Miles are valid for 3 years from accrual date.
      Redemption Fee: ₹99 + GST (Travel EDGE); ₹199 + GST (Miles Transfer).
    • Travel Benefits:
      Airport Lounge Access: Based on tier – 4 to 12 international visits and 8 to 12 domestic visits yearly via Dreamfolks QR codes (guest access allowed).
      Fuel Surcharge Waiver: 1% waiver on fuel spends between ₹400 to ₹4,000 per billing cycle.
      Travel EDGE Portal: Special discounts on flights and hotels plus accelerated rewards.
      Chauffeured Pick-Ups: Available for Gold and Platinum tiers at select Indian airports (requires booking 48 hours prior).
      Note: Complimentary concierge and Meet & Assist services discontinued from April 2024.
    • Dining and Lifestyle Benefits:
      EazyDiner Offer: Get up to 25% off (max ₹800) once per month on minimum ₹2,500 bill at partner restaurants.
      Dining Delights: Up to 20% discount at 4,000+ partner restaurants (mention before billing).
      Grab Deals: Enjoy accelerated rewards at selected partner brands through Grab Deals.
    • Tiered Membership System:
      Silver Tier (up to ₹3L/year): 4 international + 8 domestic lounge visits, 2,500 milestone EDGE Miles.
      Gold Tier (₹3L–₹15L/year): 8 international + 12 domestic visits, 5,000 EDGE Miles, airport pickup.
      Platinum Tier (₹15L+): 12 international + 12 domestic visits, 10,000 EDGE Miles, airport pickup.
      Tier Upgrade: Automatically adjusted based on spend; downgraded if threshold not met in next cycle.
      Exclusions: Spends on gold, rent, wallets, utilities, insurance, government payments do not count.
    • Fees and Charges:
      Joining Fee: ₹5,000 + GST (₹5,900 total).
      Annual Fee: ₹5,000 + GST (non-waivable).
      Foreign Currency Markup: 3.5% + GST.
      Interest Rate: Up to 3.6% per month (52.86% annually).
      Redemption Fees: ₹99 + GST (Travel EDGE), ₹199 + GST (Miles Transfer).
    • Digital Features:
      ATLAS MILES Dashboard: Monitor EDGE Miles, tier status, and lounge access via Axis Bank Mobile App.
      QR Lounge Access: Generate lounge QR codes through the app.
      Spend Tracking: Visualize monthly spends and milestones.
      Global Acceptance: Usable globally via Visa/Mastercard network.
    • Limitations:
      No EDGE Miles on spends for utilities, rent, insurance, wallets, fuel, gold/jewelry, and government payments.
      No cash redemption or statement credit for EDGE Miles.
      No travel insurance coverage.
      High forex markup (3.5%).
      Annual EDGE Miles transfer capped at 1,50,000 per customer ID.
Axis Atlas Benefits

Benefits of Axis Bank Atlas Credit Card

  • 1. Rewards Program (EDGE Miles):
    Earning EDGE Miles:
    - 5 EDGE Miles per ₹100 spent on travel-related transactions (up to ₹2L/month) including bookings via Axis Bank Travel EDGE Portal, direct airline & hotel spends.
    - 2 EDGE Miles per ₹100 on other eligible retail spends (online/offline).
    - Exclusions: No EDGE Miles on gold, jewelry, rent, wallet loads, government payments, insurance, fuel, or utilities (from April 20, 2024).
    Welcome Bonus: 2,500 EDGE Miles on completing 1 transaction within 37 days of card issuance (for cards issued on/after April 20, 2024).
    Milestone Benefits (Annual Spend Based):
    - ₹3L: 2,500 EDGE Miles
    - ₹7.5L: 5,000 EDGE Miles
    - ₹15L: 10,000 EDGE Miles
    Total Potential: Up to 17,500 EDGE Miles per year.
    Renewal Benefits: 2,500 EDGE Miles for Gold Tier; 7,500 EDGE Miles for Platinum Tier.
    • Tiered Membership Benefits: The Atlas Credit Card operates on a Silver, Gold, and Platinum tier system based on annual spending, unlocking escalating benefits:
    • Silver Tier (up to ₹3,00,000): 4 international + 8 domestic lounge visits/year, 2,500 EDGE Miles milestone benefit.
    • Gold Tier (₹3,00,001–₹15,00,000): 8 international + 12 domestic lounge visits/year, 5,000 EDGE Miles, and chauffeured airport pick-ups at select airports (book 48 hours in advance).
    • Platinum Tier (above ₹15,00,000): 12 international + 12 domestic lounge visits/year, 10,000 EDGE Miles, and chauffeured airport pick-ups at select airports.
    • Travel Benefits:
    • Airport Lounge Access: Complimentary domestic and international lounge access via Axis Bank Lounge Program (powered by Dreamfolks). QR codes generated through Axis Bank Mobile App. Includes guests.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹4,000 per statement cycle (credited to account).
    • Travel EDGE Portal: Special discounts on flight/hotel bookings. Earn 5 EDGE Miles per ₹100 spent through the portal.
    • Chauffeured Airport Pick-Ups: Available for Gold and Platinum tiers at select Indian airports (requires 48-hour advance booking).
    • Global Acceptance: Accepted worldwide on Visa/Mastercard network.
    • Dining Benefits:
    • EazyDiner Offer: Up to 25% off (max ₹800) at partner restaurants once/month on ₹2,500+ orders via the EazyDiner platform when paid using the Atlas Credit Card.
    • Dining Delights: Up to 20% off at 4,000+ restaurants (inform staff before billing).
    • Additional Benefits:
    • Dedicated Dashboard: "ATLAS MILES" section in Axis Mobile App helps track EDGE Miles, tier status, and lounge usage.
    • Flexible Redemptions: Redeem miles at ₹1 = 1 EDGE Mile on the Travel EDGE Portal or transfer to 20+ airline/hotel partners at a 1:2 ratio.
    • Guest Privileges: Lounge access is shareable with accompanying guests—ideal for family travelers (rare among premium cards).
    • No Cash Redemption: EDGE Miles can only be used for travel—no option for statement credit or cash conversion.
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How to Apply for Axis Bank Atlas Credit Card

  • 1. Online Application
    • Visit www.axisbank.com > "Credit Cards" > "Atlas Credit Card" > "Apply Now"
    • Fill in personal, employment, and income details.
    • Upload scanned documents (PDF/JPEG, max 5 MB).
    • Submit and track status using application reference number.
  • 2. Offline Application
    • Visit an Axis Bank branch and request the application form.
    • Submit self-attested document copies with originals for verification.
    • Processing time: 7-21 days.
  • 3. Card-to-Card Basis
    • If you have another credit card with ₹2L+ limit, you may qualify.
    • Provide existing card details and statements.
  • 4. Through Relationship Manager
    • Existing Axis Bank customers can apply through their manager.

Eligibility Criteria for Axis Bank Atlas Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 18-70 years.
    • Add-on Cardholder: Minimum 18 years.
  • 2. Income Requirements
    • Salaried: Minimum annual income of ₹12,00,000.
    • Self-Employed: Minimum annual income of ₹15,00,000.
    • Professionals (doctors, lawyers): ₹8,00,000+ with credit score above 750.
  • 3. Credit Profile
    • CIBIL Score: Minimum 750 or higher preferred.
    • No payment defaults in last 12 months.
  • 4. Residency
    • Must be a resident of India
  • 5. Existing Credit Card (Optional)
    • Card-to-card basis: Existing card with ₹2L+ limit improves approval chances.
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Documents Required for Axis Bank Atlas Credit Card

  • Identity Proof:
    • PAN Card (self-attested) – Mandatory
    • Additional (may be requested): Aadhaar Card (masked), Passport, Voter ID, Driving License
    • Must include full name, photo, and DOB; issued by a government authority
    • Documents must be valid and not expired
    • Signature on ID must match application form (if applicable)
  • Income Proof:
    • Salaried Individuals:
      • Latest 3 months' payslips
      • Form 16 (latest)
      • Bank statements showing salary credits (3-6 months)
      • Employer ID card (if requested for verification)
    • Self-Employed Individuals:
      • ITR with computation (1–2 years, showing ₹15L+ income)
      • Bank statements (6 months showing business income)
      • Financial statements (if applicable)
      • GST returns or business registration documents (if requested)
  • Address Proof:
    • Aadhaar Card (masked)
    • Passport, Driving License, Voter ID
    • Recent utility bill (not older than 3 months)
    • Bank statement with address (not older than 3 months)
    • Rental agreement (registered, if current address differs from ID proof)
  • Existing Credit Card Details (Optional):
    • If applying card-to-card: Copy of existing credit card (front side) and latest statement showing limit
  • Photograph:
    • Recent passport-sized color photograph (may be required at the time of physical application)

Key Factors for Axis Bank Atlas Credit Card

  • Card Type and Tier: Premium travel credit card with tier-based benefits (Silver, Gold, Platinum) based on annual spending.
  • Card Network: Issued on Visa/Mastercard network for global acceptance.
  • Reward Structure: 5 EDGE Miles/₹100 on travel, 2 EDGE Miles/₹100 on other spends. No miles on utilities/insurance/rent.
  • Miles Transfer: Transfer to 20+ airline/hotel partners at 1:2 ratio (1 EDGE Mile = 2 Partner Miles). Annual cap: 1,50,000 EDGE Miles.
  • Tier Benefits: Lounge access (4-12 intl, 8-12 domestic visits), milestone EDGE Miles (up to 17,500/year), and airport pick-ups (Gold/Platinum).
  • Fees: ₹5,000 + GST joining and annual fees. No spending-based waiver.
  • Foreign Exchange: 3.5% + GST markup on international transactions.
  • Digital Features: Dedicated "ATLAS MILES" dashboard, QR-based lounge access via Axis Mobile App.
  • Dining Benefits: Up to 25% off via EazyDiner (once/month) and 20% at Dining Delights partners.
  • Fuel Waiver: 1% surcharge waiver on fuel transactions (₹400-₹4,000 per cycle).
  • Application Process: Online, offline, card-to-card, or via relationship manager. Approval in 7-21 days.
  • Eligibility: ₹12L+ income (salaried), ₹15L+ (self-employed), CIBIL 750+.
  • Insurance: No travel insurance coverage included.
  • Redemption Fees: ₹99 + GST (Travel EDGE), ₹199 + GST (miles transfer).
  • Guest Access: Share lounge visits with accompanying guests.
  • Welcome Benefit: 2,500 EDGE Miles on first transaction within 37 days.
  • Renewal Benefits: 2,500 EDGE Miles (Gold) or 7,500 EDGE Miles (Platinum) on fee payment.
  • Spend Tracking: Monitor tier progress and EDGE Miles balance via mobile app.
  • Global Use: Widely accepted worldwide for international travel.
  • Limitations: No cash redemption of miles; strict exclusions on certain spend categories.

Frequently Asked Questions (FAQs)

1. Who is eligible for the Axis Bank Atlas Credit Card?
  • Age: 18–70 years for primary cardholders; 18+ for add-on cardholders.
  • Income:
    • Salaried: Minimum ₹12,00,000 per year (₹9L accepted in some cases).
    • Self-Employed: ₹15,00,000/year (₹12L or ₹8L with high credit score may be accepted).
  • Residential Status: Must be a resident of India.
  • Credit Score: Preferably 750+.
  • Employment: Stable salaried job or registered business/profession.
  • Advantage: Existing Axis Bank or high-limit credit cardholders (₹2L+) may get faster approval.
2. What documents are required to apply?
  • Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Driver’s License, or Voter ID.
  • Address Proof: Aadhaar, Passport, utility bill (<3 months), bank statement, or ration card.
  • Income Proof:
    • Salaried: 3-month salary slips, bank statement (3–6 months), or Form 16.
    • Self-Employed: ITR (1–2 years), 6-month bank statement, or audited financials.
  • Photograph: Recent passport-sized photo (offline).
  • Form 60: Required only if PAN is not available.
  • Card-to-Card: Copy of existing high-limit credit card statement (if applicable).
3. How can I apply for the Axis Bank Atlas Credit Card?
  • Online: Visit axisbank.com > Credit Cards > Atlas Credit Card > Apply Now. Fill details and complete Video KYC if needed.
  • Offline: Visit Axis Bank branch with required documents.
  • Partner Platforms: Apply via PaisaBazaar, CardInsider, etc.
  • Card-to-Card: Use existing high-limit card for faster approval.
  • Processing Time: 7–21 working days.
4. Why was my application rejected?
  • Insufficient income or documentation.
  • Low credit score (<750).
  • Recent defaults or multiple loan/credit inquiries.
  • Mismatch in details or unverifiable information.
  • Limited card issuance at the time of application.
Tip: Reapply after improving credit score and income profile in 3–6 months.
5. Is the card available for new applications?
The Axis Bank Atlas Credit Card may not always be open for new applications. Availability fluctuates. Check the Axis Bank website or call 1800-209-5577 to confirm.
6. What are the fees for the Axis Bank Atlas Credit Card?
  • Joining Fee: ₹5,000 + GST = ₹5,900 (one-time).
  • Annual Fee: ₹5,000 + GST every year (no waiver).
  • Foreign Currency Markup: 3.5% + GST.
  • Interest Rate: Up to 3.6% per month (52.86% annually).
  • Cash Advance Fee: 2.5% (min ₹500).
  • Overlimit Fee: 2.5% of amount (min ₹500).
  • Redemption Charges: ₹99 + GST (Travel EDGE), ₹199 + GST (miles transfer).
7. Can the annual fee be waived?
No. The ₹5,000 + GST annual fee is mandatory and not waived based on spending or usage.
8. How do I earn EDGE Miles?
  • 5 EDGE Miles/₹100 on travel spends (up to ₹2,00,000/month) on:
    • Axis Bank Travel EDGE portal
    • Direct airline bookings
    • Direct hotel bookings
  • 2 EDGE Miles/₹100 on other eligible retail spends.
  • Welcome Bonus: 2,500 EDGE Miles on the first transaction within 37 days of issuance.
  • No Miles: On fuel, insurance, rent, gold, wallet loads, government spends, utilities (from April 2024).
9. What are the milestone benefits?
  • Silver Tier (₹3L spend): 2,500 EDGE Miles.
  • Gold Tier (₹7.5L spend): 5,000 EDGE Miles.
  • Platinum Tier (₹15L spend): 10,000 EDGE Miles.
  • Total Possible Bonus: Up to 17,500 EDGE Miles annually.
10. How can I redeem EDGE Miles?
  • Travel EDGE Portal: 1 EDGE Mile = ₹1 for bookings. ₹99 + GST per redemption.
  • Miles Transfer: 1 EDGE Mile = 2 Partner Miles for most airline/hotel partners. Annual transfer cap: 1,50,000 EDGE Miles. Fee: ₹199 + GST.
  • Note: Marriott Bonvoy transfer ratio is 2:1.
  • EDGE Miles can't be converted to cash or used as statement credit.
11. What is the value of EDGE Miles?
  • Travel EDGE Portal: 1 EDGE Mile = ₹1 (1–2% return on general spends).
  • Miles Transfer: Can give up to ₹2 per EDGE Mile (7–10% return on travel spends via select partners).

List of Axis Bank Atlas Credit Card Branches in Telangana

  • Hyderabad (Kothapet)
  • Hyderabad (Kukatpally)
  • Hyderabad (LB Nagar)
  • Hyderabad (Madhapur)
  • Hyderabad (Malakpet)
  • Hyderabad (Malkajgiri)
  • Hyderabad (Manikonda)
  • Hyderabad (Marredpally)
  • Hyderabad (Mehdipatnam)
  • Hyderabad (Miyapur)
  • Hyderabad (Moosapet)
  • Hyderabad (Nacharam)
  • Hyderabad (Nagole)
  • Hyderabad (Nallagandla)
  • Hyderabad (Nampally)
  • Hyderabad (Narayanaguda)
  • Hyderabad (Nizampet)
  • Hyderabad (Punjagutta)
  • Hyderabad (Quthbullapur)
  • Hyderabad (Raj Bhavan Road)