Summary
For that health-conscious person, well-being, and saving on the everyday, Axis Bank Atlas Credit Card is designed specifically for you, providing a slew of practical benefits under lifestyle and health needs. Of these are the curated wellness programs, in which you’d be able to attend fitness sessions and yoga classes with your family besides preventive health check-ups.
Excellent opportunities for earning rewards The card has fantastic reward-earning opportunities, as you will get 5X reward points on every ₹100 spent on the health, wellness, and grocery categories, so it will suit regular household and wellness expenditures. You get 2X reward points on all other spends, hence getting value out of all transactions.
Other benefits include up to 20% discount at partner restaurants through the Axis Bank Dining Delights program and 4 complimentary domestic airport lounge visits per year to enhance your travel experience. The card also provides a 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000, which will help you save on fuel expenses.
Introduction
In today’s era, a credit card is not only a financial instrument, but it has also become an integral part of your lifestyle. Especially for those who travel regularly, it is important to have a credit card that can meet their needs. In this direction, Axis Bank Atlas Credit Card has emerged as a great option. Whether you are holidaying abroad, or on a business trip, Axis Bank Atlas Credit Card offers you many travel-related facilities and rewards.
In today’s article, we will discuss in detail about Atlas Credit Card. In which we will tell you about its benefits in detail. Along with this, in this article, we will also discuss the fees of Axis Bank Atlas Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.
What is the Axis Bank Atlas Credit Card?
The Axis Bank Atlas Credit Card is a premium credit card offered for the benefit of customers who travel more often either nationally or internationally. Using the Axis Bank Atlas Credit Card, customers will earn Miles on every spend made, which they can redeem on travel, flights, hotels, and other related services.
In addition, Credit Card offers cardholders access to airport lounges, travel insurance, and a host of premium benefits that make their travel not only comfortable but also rewarding. Thus, Atlas Credit Card is a perfect choice for those customers who would like to make their travel more rewarding and convenient.
How is the design of the Axis Bank Atlas Credit Card?
The Axis Bank Atlas Credit Card is highly sophisticated in design with elegance and simplicity. The card exhibits a sleek design along with a glossy finish, giving it an attractive look.
The bank is displayed as a logo, and the look feels professional and premium, ideal for someone who values both the functionality and style of the wallet. It is compact in nature and durable, fitting well into your wallet while holding a sophisticated feel.
What are the benefits of the Axis Bank Atlas Credit Card?
Here are some of its most prominent features and rewards:
- Wellness Memberships: You get free access to designed wellness programs such as fitness sessions, yoga classes, and health check-ups.
- Health Check-up Benefits: Free preventive health check-ups for you and your family members every year.
- Discounts on Health Products: Special discounts on health and wellness products when bought through partner merchants.
- Reward Points:
- Accrue 5X reward points on every ₹100 spent in the categories of health, wellness, and groceries.
- Accumulate 2X reward points on all other purchases.
- Dining Delights: Dine at partner restaurants and get up to 20% off at Axis Bank Dining Delights.
- Lounge Access: 4 domestic airport lounge visits per year. Get 1 visit per quarter.
- Fuel Surcharge Waiver: Get a 1% waiver of fuel surcharge for transactions between ₹400 and ₹4,000.
What are the fees for the Axis Bank Atlas Credit Card?
Here is a simple breakup of the Axis Bank Atlas Credit Card fees.
Joining Fee | ₹4,999 + GST (one-time fee when you get the card). |
Annual Fee | ₹4,999 = GST per year. This will be waived if you spend ₹3,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.5% per month (49% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For Statement BalanceLess than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Axis Bank Atlas Credit Card?
The following are the primary requirements:
- To apply for the Axis Bank Atlas Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.8 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Axis Bank Atlas Credit Card?
The documents that you will have to submit to get an Axis Bank Atlas Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Utility bills like electricity, water, ancient agreements, Banstatementssnt, or passbooks with your address |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Axis Bank Atlas Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Atlas Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- Atlas Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Axis Bank Atlas Credit Card?
The credit amount you can spend is what you are provided with an Axis Bank Atlas Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Axis Bank Atlas Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Atlas Credit Card.
- Just hover your cursor on the Axis Bank Atlas Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your Credit card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Atlas Credit Card.
- Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an Atlas Credit Card in 2025 be right?
Yes, getting an Axis Bank Atlas Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Atlas Credit Card will prove to be an ideal option for a traveler if they want their journey to become hassle-free as well as financially rewarding. Along with providing Miles Rewards, it allows Axis Bank Atlas Credit Card users to travel better by way of airport lounge access, travel insurance, and more premium services. This lets them utilize all expenses intelligently and invest them in travel later.
Credit Card is just the right pick for frequent flyers who want more out of every spend. Whichever your destination may be, on a business tour or a pleasure trip, the Atlas Credit Card changes every trip into a better experience. Its travel benefits and fine rewards not only reduce your expenses but provide you with premium lifestyle experiences as well.
Airport lounge access saves time and comfort while traveling. That is possible in the case of an Atlas Credit Card from Axis Bank. Miles Rewards helps plan the next trip more economically. The travels of protection and insurance associated with Axis Bank Credit Card support financially secure situations as well as full travel without worries.
Frequently Asked Questions (FAQ’s)
Ans: With this Credit Card, you can gather Miles Rewards through every purchase done. These Miles Rewards are rewarded based on spending and can be utilized for flight ticket booking, a hotel stay, and other forms of travel-based services.
Ans: Yes, there is an annual fee on the Atlas Credit Card. However, this fee can also be waived off as per your card usage and spending, if you meet the annual spending limit set by the bank.
Ans: Yes, with the Atlas Credit Card, you get free access to many airport lounges at international and domestic airports. This makes your travel more comfortable.
Ans: You can redeem your Miles Rewards on flight tickets, hotel bookings, or other travel-related services through travel partners approved by the bank. The redemption process is easy and can be done from the bank’s website or mobile app.
Ans: Yes, Credit Card comes with travel insurance, which protects you from foreign as well as domestic travel. It covers accidents, lost baggage during traveling, and all sorts of emergencies while traveling.