The Axis Bank Atlas Credit Card is a premium travel credit card that earns Edge Miles on every spend and offers airport lounge access and tier-based milestone rewards to frequent travellers. The joining fee of the card is Rs.5,000. This page covers its benefits, tiers, fees, eligibility and documents.
The key features and benefits of Axis Bank Atlas Credit Card are as follows:

The Axis Bank Atlas Credit Card offers three distinct tiers based on the total amount spent by cardholders within a year. Each tier Silver, Gold, and Platinum—comes with its own set of perks that enhance the overall value of the card, particularly for frequent travellers. Here is a detailed breakdown of what each tier offers:
Silver Tier
The Silver Tier is the entry-level category, applicable to new users or those whose cumulative spending is below Rs.7.5 lakh in an anniversary year. As a Silver Tier cardholder, you receive:
Gold Tier
To be eligible for the Gold Tier, users must spend Rs. 7.5 lakh within an anniversary year. This tier offers more generous perks than the Silver Tier, making it ideal for moderate to frequent travellers. The benefits include:
Platinum Tier
The Platinum Tier is the top-level category, accessible to cardholders who spend Rs. 15 lakh or more within a year. This tier is designed for high-spending individuals who want maximum value from their credit card. The benefits include:
Particulars | Amount |
Joining fee | Rs.5,000 |
Annual fee | Rs.5,000 |
Add-on credit card | NIL |
Interest | 3.75% per month (55.55% per annum) |
Cash advance fee | 2.5% (Min.Rs.500) of the Cash Amount |
Fee for Cash Payment | Rs.175 |
Late payment |
|
Card Replacement | NIL |
Duplicate Statement Fee | Waived |
Over Limit Penalty | 2.5% of the overlimit amount (Min. Rs.500) |
Charge slip Retrieval Fee or Copy Request Fee | Waived |
Outstation Cheque Fee | Waived |
Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to min. Rs.500 |
Surcharge on purchase or cancellation of Railway Tickets | As prescribed by IRCTC/Indian Railways |
Fuel Transaction Surcharge | 1% of transaction amount (Refunded for fuel transactions between Rs.400 and Rs.4,000 Maximum benefits up to Rs.400 per statement cycle) |
Foreign Currency Transaction Fee | 3.50% of the transaction value |
Mobile Alerts for Transactions | Waived |
Hot listing Charges | Waived |
Balance Enquiry Charges | Waived |
Reward redemption fee | Rs.99 for each redemption of Edge Reward points or Edge Miles on the Edge portal; Rs.199 for each conversion or transfer of Edge Reward points or Edge Miles to other miles partner loyalty programmes |
Rent transaction fee | 1% on each rental transaction |
Dynamic currency conversion | 3.5% on international transactions performed in Indian currency at an international location, or transactions performed in Indian currency with merchants located in India but registered in a foreign nation |
Note: Interest rates updated on 30 September 2026.
The following are the criteria required to apply for the Axis Bank Atlas Credit Card:
You will need the documents mentioned below when you apply for an Axis Bank Atlas Credit Card:
The Axis Bank Atlas Credit Card is a travel-focused credit card that earns Edge Miles, unlocks Silver, Gold and Platinum tier benefits and offers airport lounge access. Its fees, eligibility criteria and required documents are listed above. You can compare and apply for the Axis Bank Atlas Credit Card on BankBazaar.

The Axis Bank Atlas Credit Card is a premium travel credit card that rewards your spends with Edge Miles. It is designed for frequent travellers and offers airport lounge access along with tier-based milestone benefits. The key highlights section above explains its features.
The Axis Bank Atlas Credit Card gives a welcome benefit in Edge Miles once you complete your first transaction within the period set by the bank. The number of miles depends on the date your card was issued. The key highlights section above lists the current welcome benefit.
You earn Edge Miles on your Axis Bank Atlas Credit Card spends, with a higher earn on travel bookings. Certain spend categories are excluded from earning, and Axis Bank revises these from time to time. The key highlights section above explains the earning categories.
Yes, the Axis Bank Atlas Credit Card offers complimentary access to domestic and international airport lounges. The number of visits depends on your membership tier. The tiered benefits section above lists the visits for the Silver, Gold and Platinum tiers.
The Axis Bank Atlas Credit Card has three membership tiers: Silver, Gold and Platinum. You move to a higher tier when your spending in an anniversary year crosses the threshold set for that tier. Each higher tier offers more lounge visits and milestone rewards than the one below it.
You get Platinum Tier Membership on the Axis Bank Atlas Credit Card when your spending in an anniversary year reaches the Platinum threshold. Every cardholder starts in the Silver tier and moves up as they spend. The tiered benefits section above lists the threshold.
The Axis Bank Atlas Credit Card carries a joining fee and an annual fee, along with charges such as interest, late payment, cash advance and over limit fees. All of these are listed in the Fees and Charges table above. Check the table for the current amounts before you apply.
The Axis Bank Atlas Credit Card charges a cheque return or auto-debit reversal fee that is a percentage of the payment amount, subject to a minimum. The current percentage and minimum are listed in the Fees and Charges table above. Keep enough funds in your account to avoid this fee.
The Axis Bank Atlas Credit Card refunds the fuel surcharge on eligible fuel transactions within a range set by the bank. A cap applies for each statement cycle. The Fees and Charges table above lists the current terms.
The Axis Bank Atlas Credit Card levies an over limit fee when you spend beyond your credit limit. The fee is a percentage of the over limit amount, subject to a minimum. The Fees and Charges table above lists the current terms.
The Axis Bank Atlas Credit Card is open to salaried and self-employed residents of India who meet the age and minimum income criteria set by Axis Bank. Add-on cardholders must also meet the minimum age. The eligibility section above lists the criteria.
You need proof of identity, proof of income and proof of residence to apply for the Axis Bank Atlas Credit Card. The documents section above lists the accepted documents in each category. Axis Bank may ask for additional documents on a case-by-case basis.
Kankana Mukherjee is an engineer and has over 4.5 of experience in content writing. Combining the expertise in financial content writing achieved in her 2 years association with BankBazaar, and a knack for clear and engaging content, Kankana simplifies complex financial concepts and offers practical insights to help readers make informed decisions and achieve financial success.

Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2026 BankBazaar.com.