Axis Bank Atlas Credit Card

₹5,900 plus GST, with no published spend-based waiver.

The strongest published rate is 5% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

Yes. The issuer publishes no additional spend condition for this card's lounge access.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

Gold and jewellery, rent, wallet loads, government institutions, insurance, fuel, utilities and telecom spends are excluded from milestone thresholds, effective 20 April 2024. Gold and jewellery, rent, wallet loads, government institutions, insurance, fuel, utilities and telecom spends are excluded from milestone thresholds, effective 20 April 2024. Gold and jewellery, rent, wallet loads, government institutions, insurance, fuel, utilities and telecom spends are excluded from milestone thresholds, effective 20 April 2024.

Axis Bank publishes about ₹1,00,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.

Redeemed through the issuer's rewards programme as published on the card's product page

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

Rs. 1. That published value is what makes the card readable: 5 EDGE Miles per Rs. 100 on travel is 5% back, and 2 Miles per Rs. 100 elsewhere is 2%. Both are high for this catalogue, and the 2% base rate in particular is better than most paid cards manage in their accelerated categories.

Everybody starts on Silver. Rs. 7.5 lakh of eligible annual spending moves you to Gold and Rs. 15 lakh to Platinum. Lounge access goes from 4 international and 8 domestic visits at Silver, to 6 and 12 at Gold, to 12 and 18 at Platinum, and the EDGE Miles credited against the annual fee go from nil to 2,500 to 5,000.

Gold and jewellery, rent, wallet loads, government institutions, insurance, fuel, utilities and telecom are all excluded from milestone spending, with effect from 20 April 2024. That is a long list and it includes the categories people most often use to reach a milestone deliberately, so the Rs. 7.5 lakh and Rs. 15 lakh thresholds are harder than they look.

It depends on the tier you can hold. On Silver the fee returns nothing and the case rests on the 5% travel rate and four international lounge visits. On Gold it returns 2,500 EDGE Miles and on Platinum 5,000, which covers most or all of it before any spending. Axis publishes no spend-based waiver, so the fee is payable every year.

Axis publishes an income requirement of Rs. 12 lakh a year for salaried applicants and Rs. 15 lakh a year for the self-employed. That is among the higher income bars in this catalogue and it is the card's real gate — the fee is affordable long before the income requirement is met.

No. It charges 3.5%, the industry default, which is an odd note on a card sold for international travel. If foreign spending is the main thing you want a card for, the Kotak Air+ charges 2% instead — though it pays no rewards on those transactions.