एक्सिस एटलस क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Dedicated air miles credit card featuring 1:2 airline partner transfer ratio, 5 EDGE Miles on flight bookings, and tiered lounge access.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Axis Atlas is India's most versatile pure travel and air miles credit card. Designed specifically for travel hackers and business flyers, it introduces a tiered loyalty model (Silver, Gold, Platinum) with a powerful 1:2 transfer ratio where 1 EDGE Mile converts to 2 airline partner miles or ₹1 on direct flight bookings.
5,000 bonus EDGE Miles credited upon completing first transaction within 30 days of card issuance (worth ₹5,000 on flight bookings or up to 10,000 airline partner miles).
Tier-based lounge access: Silver tier receives 8 domestic + 4 international lounge visits; Gold tier receives 12 domestic + 6 international; Platinum tier receives 18 domestic + 12 international airport lounge visits per year.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).
Tier upgrades and milestone bonuses: Earn 2,500 bonus EDGE Miles on reaching ₹3 Lakhs spend; 5,000 miles on reaching ₹7.5 Lakhs spend; 10,000 miles on reaching ₹15 Lakhs spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹75,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹9,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹75,000/month (Salaried) / ₹9,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR computation 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Direct airline 5X miles capped at ₹2 Lakhs spend per month. Forex markup is 3.50%. Annual fee is mandatory without spend-based waiver (though renewal awards milestone EDGE Miles).
🚀आवेदन के चरण (How to Apply)
Step 1: Check card eligibility on axisbank.com/atlas or via Axis Mobile app. Step 2: Enter PAN and mobile number for algorithmic credit evaluation. Step 3: Select Axis Atlas Credit Card and submit employment details. Step 4: Upload identity, residence, and income verification documents. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Axis Atlas Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Axis Atlas Credit Card into EMI?
Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Axis Atlas Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Mile = 2 Partner Air Miles / Hotel Points (1:2 transfer ratio) across 15+ global partners including Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, Turkish Miles&Smiles, Air France Flying Blue, and Accor Live Limitless. 1 EDGE Mile = ₹1.00 directly for flight and hotel bookings via Axis Travel EDGE. Please note: EDGE Miles expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on Axis Atlas Credit Card and how does it work?
The interest-free period on Axis Atlas Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.