Atlas Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Premium
The Atlas Credit Card is a Premium Visa credit card issued by Axis Bank, best suited for travelers. It carries a joining fee of ₹5,000, with an interest rate of 3.6% per month. Key benefits include Travel miles, Edge miles, Lounge, and Milestones. New cardholders get a welcome benefit of Bonus miles. On fees — Lounge access: Lounge; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹12,00,000/year to qualify. It falls under the Premium, Travel, and Fuel category on CreditCardHunt.
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Why Choose the Atlas Credit Card?
The Atlas Credit Card is a Premium-tier Visa credit card issued by Axis Bank, rated 4.7/5 by the Credit Card Hunt editorial team. It is best suited for Travelers. With a reward rate of Edge miles and an annual fee of ₹5,000, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Bonus miles, which adds immediate value in the first year.
Atlas Credit Card Fees & Charges
| Annual Fee | ₹5,000 |
|---|---|
| Joining Fee | ₹5,000 |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Atlas Credit Card Rewards & Benefits
| Reward Rate | Edge miles |
|---|---|
| Welcome Bonus | Bonus miles |
| Lounge Access | Lounge |
| Best For | Travelers |
Key Highlights of the Atlas Credit Card
- Travel miles
- Edge miles
- Lounge
- Milestones
Atlas Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹12,00,000/year
Minimum Income Required: ₹12,00,000/year
Advantages of the Atlas Credit Card
- Travel miles — a genuine plus for anyone eyeing this premium card.
Drawbacks of the Atlas Credit Card
- Fee high — worth weighing before you apply.
Atlas Credit Card — Frequently Asked Questions
What is the annual fee of the Atlas Credit Card?
The Atlas Credit Card has an annual fee of ₹5,000 and a joining fee of ₹5,000. New cardholders receive Bonus miles as a welcome benefit, which helps offset the joining cost.
Does the Atlas Credit Card offer airport lounge access?
Yes — the Atlas Credit Card offers Lounge.
Who is eligible for the Atlas Credit Card?
The minimum income requirement is ₹12,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Atlas Credit Card?
The Atlas Credit Card earns Edge miles. It is best suited for Travelers.
Credit Cards Similar to the Atlas Credit Card
If you are considering the Atlas Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- IDFC FIRST Wealth Credit Card by IDFC FIRST Bank — rated 4.6/5, NIL annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.7/5