If you are looking for a premium quality travel credit card at an affordable rate, then you would love the axis bank atlas credit card. While this card charges Rs. 5,000 as an annual fee, it lets you enjoy; exclusive rewards on travel expenses, free access to airport lounges, attractive discounts on dining expenses, and lots more. Go through the complete review and you find more about the axis bank atlas credit card details.
What are the axis bank credit card eligibility criteria?
- Resident Type: Indian
- For salaried person:
- Age: 18 to 70 years.
- Income: The Average income of the applicant should be greater than Rs. 9 lakh per year.
- For self-employed person:
- Age: 18 to 70 years.
- Income: The Average income of the applicant should be greater than Rs. 12 lakh per year.
- An excellent credit score (760 or more) will help you to get a higher credit limit on this atlas axis credit card.
- A good relationship with the bank may help you to get this card more easily.
As you submit your application, you will get a unique application id. You can use that Id to track your axis bank credit card application status.
What documents are required to apply for the axis bank atlas credit card?
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Passport
- Utility bills
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- Passport
- PAN Card
- Two recent passport-sized photographs
- Proof of income statement:
- Salaried Person (any 1)
- Salary Slip of last 3 months
- ITR (Income Tax Return)
- Self-employed person
- Income tax return of the last year
- Proof of business
- Salaried Person (any 1)
As per the new credit card regulations, all new credit cards are delivered in an inactive state, so if you are thinking about how to get your axis bank new credit card activated? Then feel free to take a look at the 100xGain faq page, you will find the complete axis credit card activation process there.
What are the axis atlas credit card fees?
- Axis bank credit card joining fee: Rs. 5,000 + GST
- Axis bank credit card annual fee: Rs. 5,000 + GST
What are the axis bank atlas credit card benefits?
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A huge joining bonus to make a perfect start for you:
As you complete your first 3 successful transactions with your axis bank atlas credit card within the first 60 days of your card activation, you will get 5,000 bonus points which will make a perfect welcome to axis credit card world.
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Make your transaction rewarding with a powerful reward scheme:
To add more value to your transaction, Axis Bank has equipped its Atlas credit card with a powerful axis bank rewards scheme. The details of which are given below.
|
Category of transaction |
Rate of earning axis bank credit card edge rewards |
| Travel expenses. | 5 EDGE points for every Rs.100 transaction. |
| International transactions. | 2 EDGE points for every Rs.100 transaction. |
| All other categories of transactions. | 1 EDGE point for every Rs.100 transaction. |
You can check the status of your earned points from your net banking account. You can also use the axis bank credit card app to do the same. You can redeem your EDGE points from the axis edge rewards store.
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Make your travel more comfortable with complimentary access to airport lounges:
Under the axis bank credit card lounge access program, this card gives you free access to domestic and international lounges. The number of free access you will get depends on the membership tier you are currently in.
| Domestic | International | ||
| Tier | No. of free visits | Tier | No. of free visits |
|
Silver |
8 |
Silver |
4 |
|
Gold |
12 |
Gold |
6 |
|
Platinum |
18 |
Platinum |
12 |
Depending on the status of your membership tier, you can get some complimentary meet and greet and airport pickup services with your card.
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Enjoy a premium dining experience:
Using this card you can get up to a 20% discount on your dining bills at over 4,000+ restaurants across India. Inform the hotel/restaurant staff before making the payment to avail of the offer.
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Enjoy freedom from fuel surcharges:
This axis bank credit card offers a 1% waiver on fuel surcharges, this offer is applicable at all fuel stations in India. The amount of waiver you can earn in a year depends on your current membership tier.
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Earn bonus rewards from milestone expenses:
Depending on your annual expenses, you can earn some bonus rewards, the details are given in the table below.
| Total spend |
Total benefit |
| Rs. 3,00,000 |
2500 axis bank edge reward points. |
| Rs. 7,50,000 |
5000 axis bank edge reward points. |
| Rs. 15,00,000 |
10,000 axis bank edge reward points. |
Also, as you pay your axis credit card annual fee every year, you will receive 10,000 EDGE points every year. You can also get your membership tier uplifted on achieving certain spending milestones. On spending Rs. 7.5 lakh within a year you can get the Gold tier membership and on spending more than Rs. 15 lakh within a year you can go up to the Platinum tier.
A condensed version of the tier benefits is given below –
| Benefits | Silver Tier
(on spending up to Rs. 3,00,000 or more in a year) |
Gold tier
(on spending Rs. 7,50,000+ in a year) |
Platinum tier
(on spending Rs. 15,00,000+ in a year) |
| Lounge access. | 4 International & 8 Domestic lounge visits every year. | 6 International & 12 Domestic lounge visits every year. | 12 International & 18 Domestic lounge visits every year. |
| Meet & greet service at the airport. | None. | 2 free services per year. | 4 free services per year. |
| Airport pickup service. | None. | None. | 2 free services per year. |
| Tier rewards (End of an anniversary year) | 2,500 EDGE points | 5,000 EDGE points | 10,000 EDGE points. |
| Milestone benefits | 2,500 EDGE points. | 5,000 EDGE points | 10,000 EDGE points. |
| Fuel surcharge waiver (at 1% rate) | Rs. 300 waiver per year (max). | Rs. 750 waiver per year (max). | Rs. 1,500 waiver per year (max). |
| Reward benefits (total) | 8700 rewards every year (max). | 21,750 rewards every year (max). | 43,500 rewards every year (max). |
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A multilingual concierge service to assist you:
This axis card comes with a multilingual concierge service to assist you during your travel. The number of free assistance you can get in a year depends on the membership tier you are currently in.
| Membership tier. | The number of free services you can get. |
| Silver tier. | – |
| Gold tier. | 2 |
| Platinum tier. | 4 |
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Transact more conveniently with the improved contactless payment system:
This card is equipped with an advanced contactless payment facility, this feature allows you to make payments just by placing your card over any POS machine. You can control the contactless payment option from your axis internet banking account.
What are the axis bank atlas credit card charges?
|
Particulars |
Payable amount |
| axis bank credit card cash withdrawal charges. | 2.5% against the transaction amount, min Rs. 250 (Applicable once per withdrawal, also check your axis bank credit card cash withdrawal limit before making a withdrawal) |
| axis bank credit card finance charges. | 3.60% monthly or 52.86% annually (applicable if your axis credit card bill is not paid within the due date) |
| axis bank credit card foreign transaction fee. | 3.50% against the transaction amount (applicable once per transaction) |
| axis credit card add on card fee. | Free for a lifetime. |
As per the new rules, all new credit cards are temporarily disabled for international transactions. So if you are thinking about how to get axis bank credit card activated for international transactions, then make sure to take a look at our faq page.
How to contact the axis bank customer care credit card department?
- Call the axis bank credit card customer care number: 1860-419-5555 / 1860-500-5555 / 022-6798-7700 or 040-67174100
- You can also write to the axis bank credit card customer care email id: creditcards@axisbank.com
100xGain Ratings:
7.5/10
Pros and Cons:
| Pros. | Cons. |
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Final Opinion:
If earning travel points and getting free lounge access and premium services matter for you, then you would love the axis atlas card. The feature that attracts me the most is the tiered benefits. It lets you upgrade your membership status depending on your annual credit card usage.
On the other hand, this card does not feature any hotel or travel booking benefits. Although judging by the numbers of other benefits, I can say that the annual fee is well justified.
But if you want a more premium option from Axis bank then take a look at the axis reserve credit card or axis magnus credit card, you can also take a look at our top credit card pages, we have listed the best available credit cards there.