Axis Bank Atlas Credit Card 2024

Axis Bank is the third largest private sector bank in India. It has its headquarters based in Mumbai, Maharashtra. The bank offers a wide range of financial services, including loans, credit cards, insurance, debit cards, and more. 

Axis Bank Atlas credit card offers various forms of reward and cashback options for its cardholders. This is a generic credit card and is not co-branded with any other bank. The joining fee of this credit card is INR 5,000, and it offers exclusive offers on dining, travel, shopping, and other categories.

Axis Bank Atlas credit card offers complimentary airport lounge access for its customers. It has a high reward return on making foreign transactions using a credit card.

Axis Bank Atlas Credit Card Details

• Axis Bank Atlas credit card offers around 25% discount on movie and dining categories. The offer is presented to its customers through the program EazyDiner. You can get up to INR 800 off on dining and movies twice a year using this credit card. The minimum order value for availing this is INR 2,000.
• You can earn five edge miles on spending INR 100 for travel purposes and two edge miles on spending INR 100 in other categories like hotels, airlines, and others.
• You can earn 8 free airport lounge access under the silver tier, 12 airport lounge access under the Gold Tier, and 18 under the Platinum Tier every year for domestic airports.
• In terms of international travel, the airport lounge is offered 4 times under Silver Tier, 6 times under the Gold Tier and 12 times under the Platinum Tier every year.
• Travel benefits get accelerated under the program EDGE mile earning.
• Axis Bank Atlas credit card offers 1% fuel surcharge waiver for those spending between INR 400 to 4,000. The capping set is INR 400 per month.
• The credit card is available on three tiers for membership- silver, gold, and platinum.

Advantages and Disadvantages of Axis Bank Atlas Credit Card

Advantages	Disadvantages
Axis Bank Atlas Credit Card offers complimentary domestic and international airport lounge access every year. There are different tiers, and the number of access offered to the customers depends upon these tiers.	Axis Bank Atlas credit card does not include earnings on edge miles for making transactions on gold and silver jewellery, government services payments, fuel, and insurance payments.
This credit card comes with a 25% discount on dining under the program EazyDiner.	There is a capping of INR 400 on fuel that can be earned by cardholders every month.
You can get a 1% fuel surcharge waiver for making transactions with a credit card between INR 400 and 4,000. You can earn a maximum of INR 400 each month.	There are no insurance benefits associated with this credit card.
You can earn 5 edge miles by spending every INR 100 on Axis Bank Travel Edge, hotels, and making flight bookings. Additionally, 2 edge miles can be earned on all other sendings made through this credit card.

Axis Bank Atlas Credit Card Reward Offer

Axis Bank Atlas Credit Card comes with various offers on using this card. Here’s the complete list of reward options under this credit card:

• Axis Bank Atlas credit card offers 5 edge miles as reward points on spending every INR 100 on Axis Bank Travel Edge, flight bookings, and hotel bookings.
• Additionally, you can earn 2 edge miles by spending every INR 100 on all categories.
• However, in terms of earning edge miles, you cannot earn the benefit on fuel, government payments, utility payments, and the purchase of gold and silver jewellery.

Welcome Benefits of Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card offers 2,500 EDGE miles as a welcome gift for making one transaction using the card successfully within the first month of the card issue.

Travel Benefits on Axis Bank Atlas Credit Card

• This credit card offers travel benefits of complimentary airport lounge access. Under various categories of the card- gold, silver, platinum, you can earn 8, 12, and 18 free access within the year.
• You can earn 4-6-12 free access to the international airport lounge under three categories- gold, silver, and platinum within a year.
• Those who want to travel through the road can get a 1% surcharge waiver on fuel transactions made using the card.

Axis Bank Atlas Credit Card VS AU Bank Altura Plus Credit Card

Reward Structure

Credit Card Name	Reward Structure
Axis Bank Atlas	This Axis Bank credit card offers 5 EDGE miles as reward points on spending INR 100 on Axis Bank Travel Edge, hotel bookings, and dining.
AU Bank Altura Plus	AU Bank Altura Plus credit card offers you one reward point on spending every INR 100 on retail stores within India. Each reward point is equal to INR 0.25.

Reward Rate With Partners

Credit Card Name	Reward Rate With Partners
Axis Bank Atlas	There is no extra slot available for earning reward points through the credit of Atlas by Axis Bank.
AU Bank Altura Plus	The card offers 1.5% cashback on making transactions with the card for spending on retail partnered stores within India.

Joining Fees

Credit Card Name	Joining Fees
Axis Bank Atlas	Axis Bank Atlas credit card charges INR 5,000, excluding GST charges as joining fees.
AU Bank Altura Plus	The joining amount of this credit card is NIL.

Cashback Max Cap

Credit Card Name	Cashback Max Cap
Axis Bank Atlas	There is a maximum cap of INR 800 every month on earnings for dining. Moreover, there is a cap of INR 400 on earning fuel discounts.
AU Bank Altura Plus	With this credit card, you can earn unlimited reward points. Moreover, there is a cap of a maximum of INR 100 on receiving cashback for every statement.

Additional Benefits

1. Axis Bank Atlas Credit Card: Axis Bank Atlas credit card offers a fuel surcharge waiver of 1% on spending INR 400 to 4,000 on fuel stations across India. 
2. AU Bank Altura Plus Credit Card: This Altura Plus credit card offers a fuel surcharge of 1% on spending INR 400 to 5,000 within Indian fuel stations. You also additionally get two free railway lounge access with this card.

Why Choose the Axis Bank Atlas Credit Card?

• Welcome Benefits: When you get the Axis Bank Atlas Credit Card and make one transaction within 30 (thirty) days, you will be given 2,500 EDGE Miles as a gift. They also trigger an onset of incentives once the card is activated, encouraging its usage immediately after activation.
• Reward Benefits: The Axis Bank Atlas Credit Card comes with a specific reward program with the objective of maximising rewards in every tier of spending. For hotels and flight bookings on Axis Bank Travel Edge, the cardholders can benefit from the accelerated option that gives 5 Edge Miles for every ₹100 spent on these categories. Furthermore, as mentioned, the accumulation of these accelerated EDGE Miles is subject to purchase spends of up to ₹2,00,000 per month and is valid for frequent travellers. On all other purchases, regardless of the monthly limit, cardholders can earn 2 EDGE Miles per ₹100 spent, guaranteed to maintain a constant level of rewards no matter the category purchased.
• Fuel Benefits: By paying for fuel items, customers will be able to have a reduction of a 1 % fuel surcharge on all transactions between Rs. 400 and Rs. 4,000. This amount is limited to Rs. 400 per month, which helps to lower the expenditure on fuel and makes the Axis Bank Atlas Credit Card a reliable travel partner for both office and leisure driving or other journeys.
• Travel Benefits: Taking the level of travel even higher, here are the features of the Atlas Credit Card from one of India’s leading private banks, Axis Bank, concerning complimentary lounge access – The free visits per annum depend on the metal of the card: silver, gold or platinum. All the access privileges of lounges come in handy, whether it’s for business or for pleasure, offering comfort during variances in terminals around the globe.
• Milestone Benefits: The Axis Bank Atlas Credit Card comes with several features that help cardholders during their spending process; moreover, it has established some systems aimed at rewarding clients for achieving particular levels of spending. Offering between 5,000 and 10,000 points on attaining these feats makes the use of the card more engaging, encouraging cardholders to continue using and benefitting from other offers that come with the card. In reaching different amounts of spending or usage volumes, every level on the rewards program indicates to the cardholders the possibility of getting more value with the card.

Updated Terms & Conditions of Axis Bank Atlas Credit Card

There are certain changes made by the  Axis Bank regarding credit cards. Here are the changes which will be effective from April, 2024.

• Earn 5 EDGE Miles for every Rs. 100 spent on Travel EDGE, airline, and hotel transactions, up to a total spend of Rs. 2,00,000 per month.
• Spends on gold/jewellery, rent, wallets, government institutions, insurance, fuel, and utilities are excluded from earning EDGE Miles, in addition to existing category exclusions.
• Customers must wait for 60 days after updating their partner loyalty ID with Axis Bank Travel EDGE before updating a secondary or new partner loyalty ID.
• The maximum number of EDGE Miles transferable to Partner Points in a calendar year is capped at 1,50,000 EDGE Miles per customer ID. For the year 2024, this limit applies from April 20th to December 31st. From 2025 onwards, the capping period will run from January 1st to December 31st.
• Customers will no longer be eligible for Tier-based benefits of Airport Meet & Assist and Airport Transfer. Additionally, 24*7 complimentary concierge services will be discontinued.

Who Can Apply for an Axis Bank Atlas Credit Card?

• Age Requirement: Axis Bank Atlas Credit Card provides eligibility for credit cards to applicants who are 18 years and above and can apply up to the age of 70 years. This makes the age requirement very liberal so that a huge population ranging from 21-year-olds to the aged can apply for the card and enjoy the benefits that the issuer has to offer.
• Minimum Income Requirement: Applicants need to pass the minimum income requirement in order to be eligible for the Axis Bank Atlas Credit Card. For the corporate /salaried persons the minimum annual income has been fixed at 120,000 and above to make sure that they are in a position to afford the allures of the card. On the other hand, the self-employed category requires one to possess income proof of 15 lakhs and above per annum for the purposes of proving their ability to manage the finances of the card.
• Nationality: The Axis Bank Atlas Credit Card is for Indian residents only, reflecting the focus of the bank on meeting the needs of the local population. It also has an impact on the nationality requirement which makes sure that the applicants can legally apply for the card and access the given benefits in the country.
• Add-On Cardholder Requirement: If you want to avail the use of the Atlas Credit card to your family members or other companions, then you must consider the following requirements as established by the Axis Bank. The minimum age for the supplementary cardholders is 18 years and above to make sure that they understand the financial implications of card usage. This provision allows primary cardholders to extend the benefits of the credit card to other people, as well as retain control over the expenses and payments.

Documentation Required for Axis Bank Atlas Credit Card Approval

There are certain documents required for completing the application process for the credit card issue:

• PAN Card Photocopy or Form 60: So far as the legal guidelines are concerned, the applicants are expected to produce a photocopy of their Permanent Account Number (PAN) card. If the applicant does not have a PAN, they have to fill up Form 60, which is an affidavit confirming that the applicant does not have a PAN.
• Latest Payslip/Form 16: Employees, particularly the salaried ones, are expected to attach his/her latest payslip or Form 16 in order to prove his/her income. The document shows details of their income, other deductions made and the tax that was deducted by the employer to prove that the individual is financially qualified for the credit card.
• Proof of Residence: Every applicant is required to produce a document as proof of residence to prove their residential status. Documents that are usually acceptable consist of Utility bills like electricity, water or gas, lease/rent agreements or any government document proof like an Aadhaar card/Voter ID card. The documents presented to support the proof of residence should not be very old and should contain the applicant’s current residential address.
• Photographs: Normally, the candidates should provide recent photos of themselves for their passports as one of the documents. These photographs are used as identification of the applicant and are usually attached to the credit card when need be.

Application Process for Axis Bank Atlas Credit Card

Offline Application Process:

• Visit Axis Bank Branch: The Atlas Credit Card can be applied for either through the Internet or by making an application at the nearest Axis Bank branch in their city.
• Fill Application Form: Applicants will have to fill out a form which will be available to them at the branch in most cases. They need to provide their data correctly including personal information, phone number and address, employment status and all the other details required by the form as per the instructions of the form.
• Submit Documents: There are documents that are expected of an applicant, and these include a photocopy of the PAN card or the compliant Form 60, salary slip/Form 16 of the last three months, proof of residence and two photographs.

Online Application Process:

• Visit Axis Bank Website: The application process can begin by candidates going to the official Axis Bank website.
• Click on Apply Now: Applicants need to visit the credit card section of the website where such an item as the Axis Bank Atlas Credit Card is to be found. The link ‘Apply Now’ should be clicked.
• Fill in Particulars: When the applicants reach the application section, an option of submitting a digital application form will appear where applicants need to enter their personal details, contact information, employment details, and other fields correctly.
• Document Upload: The applicants will be asked to upload duly scanned copies of the photos along with their PAN card, latest Form-16 and pay slip, proof of residence, etc.
• Submit Application: Applicants should provide all the details and upload necessary documents and that is how the application process could be successfully completed.
• Application Review: All the submitted applications and documents will be processed by Axis Bank, and further on will go through review. In some cases, the applicant will need more information or, perhaps, some verification; the bank will contact him/her/it.
• Card Dispatch: Acceptance of the application and subsequent validation of details will lead to the issuance of the Atlas Credit Card of Axis Bank to the given address of the applicant.

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