Let’s discuss about the axis atlas credit card . It is good for user or not and what are the benefits of using it.Axis Atlas Card Benefits
Table of Contents
Introduction
The Axis Atlas Credit Card is a premium offering from Axis Bank, designed to cater to the needs of savvy consumers who seek a blend of rewards, exclusive benefits, and exceptional experiences. Whether you’re a frequent traveler, an avid shopper, or someone looking for robust financial security, this card is packed with features that enhance your lifestyle. From earning rewards on everyday purchases to enjoying luxurious travel privileges and superior customer service, the Axis Atlas Credit Card provides an all-around solution to make your spending more rewarding and convenient. Let’s take a closer look at what makes this card stand out.
Key Features of the Axis Atlas Credit Card{2}
The Axis Atlas Credit Card offers a range of premium features that cater to a variety of lifestyles. Here’s a look at the key benefits and features that make this card a standout choice:
Reward Points on Every Purchase
The Axis Atlas Credit Card lets you earn attractive reward points for every rupee spent. You can accumulate points on all purchases and redeem them for a wide range of options, including flight tickets, hotel bookings, merchandise, and more.
Exclusive Travel Benefits
Designed for frequent travelers, the Axis Atlas Credit Card comes with a host of travel-related perks, including:
- Airport Lounge Access: Complimentary access to over 1,000 airport lounges worldwide, allowing you to relax before your flight.
- Priority Check-in and Boarding: Enjoy the convenience of priority check-ins and boarding with select airlines.
- Travel Insurance: Coverage for trip cancellations, lost baggage, and other travel-related mishaps, ensuring peace of mind during your journeys.
Customizable Reward Redemption
With the Axis Atlas Credit Card, your reward points can be redeemed through multiple options, including travel bookings, cashback, gift vouchers, and merchandise. This flexibility allows you to choose rewards that best suit your needs.
Premium Dining Offers
Enjoy special discounts and offers at select premium dining outlets across the country. Whether you’re dining at a five-star hotel or a fine dining restaurant, the Axis Atlas Credit Card helps you save on your culinary experiences.
Access to Exclusive Events
Cardholders get invitations to exclusive events, including concerts, fashion shows, and premium entertainment experiences. These special invites allow you to enjoy high-end entertainment and events tailored for Axis Atlas customers.
Concierge Service
The Axis Atlas Credit Card comes with a 24/7 concierge service that assists you with booking flights, hotel reservations, event tickets, and other personal requests. Whether for business or leisure, the concierge service ensures a hassle-free experience.
Fuel Surcharge Waiver
Axis Atlas Credit Cardholders enjoy a waiver on fuel surcharge at select petrol stations, making it a convenient option for those who frequently drive.
Security Features
The card is equipped with enhanced security features, such as:
- EMV Chip Technology: Protects your transactions with encrypted data for secure payments.
- Zero Liability Policy: If your card is lost or stolen, you won’t be liable for unauthorized transactions if reported promptly.
- Instant Card Lock: Lock or unlock your card via the mobile app in case of emergencies.
Interest-Free Credit Period
Axis Atlas Credit Card offers an interest-free credit period of up to 50 days on purchases, allowing you to pay your bill without additional charges as long as the outstanding balance is cleared before the due date.
Exclusive Partner Offers
Axis Atlas Credit Cardholders also gain access to a variety of partner offers, such as discounts on shopping, travel, and more with leading brands and retailers.
Rewards Program Overview of Axis Atlas Credit Card
The Axis Atlas Credit Card offers a robust rewards program that enhances the value of every purchase you make. Designed for those who love to earn as they spend, this program is packed with attractive benefits that allow you to enjoy a variety of rewards, from travel perks to lifestyle and shopping benefits. Here’s an overview of the rewards program:
Earn Points on All Purchases
With the Axis Atlas Credit Card, cardholders earn reward points for every rupee spent on eligible purchases. Whether it’s groceries, dining, travel, or everyday spending, you accumulate points that can be redeemed for a range of exciting rewards.
Accelerated Points for Specific Categories
The card offers accelerated reward points on specific spending categories, such as:
- Travel: Earn higher points for flight and hotel bookings.
- Dining: Enjoy bonus points when dining at select restaurants or premium outlets.
- Retail: Earn additional points on shopping purchases with partner retailers.
Redeem Points for Travel, Merchandise, and More
Reward points earned on the Axis Atlas Credit Card can be redeemed for a variety of options:
- Travel: Book flights, hotels, or car rentals through the Axis Bank travel portal.
- Cashback: Convert points into cashback, which can be credited to your card account or used for future purchases.
- Merchandise: Redeem your points for gadgets, home appliances, fashion items, and other lifestyle products.
- Gift Vouchers: Points can be exchanged for gift cards from popular brands and retailers, giving you more flexibility in how you spend them.
No Expiry on Points
One of the attractive features of the Axis Atlas Credit Card’s rewards program is that your points do not expire, as long as your account remains active. This means you can accumulate points over time and redeem them at your convenience without worrying about deadlines.
Bonus Reward Points and Offers
The card also offers exclusive bonus point opportunities. For instance:
- Welcome Bonus: New cardholders often receive a generous number of bonus points upon activation and meeting the minimum spend requirement.
- Seasonal and Promotional Offers: Periodic promotions may offer extra reward points during specific campaigns or events, helping you accumulate points faster.
Points Transfer to Frequent Flyer Programs
As part of the rewards program, Axis Atlas Credit Cardholders can transfer earned points to partner frequent flyer programs, making it an excellent choice for frequent travelers. You can convert your reward points into air miles with leading airlines, allowing you to redeem them for flights, upgrades, and other travel-related perks.
Loyalty Program Partnerships
The Axis Atlas Credit Card is partnered with several loyalty programs across various sectors, including retail, travel, and entertainment. This gives cardholders the opportunity to earn bonus points and enjoy exclusive offers with partner brands, maximizing the value of their rewards.
Travel Benefits and Perks of Axis Atlas Credit Card
The Axis Atlas Credit Card is designed with the frequent traveler in mind, offering a wide array of travel-related benefits and perks. These features make it an ideal companion for those who want to elevate their travel experiences while earning rewards along the way. Here’s a closer look at the key travel benefits and perks associated with the Axis Atlas Credit Card:
Airport Lounge Access
Axis Atlas Credit Cardholders enjoy complimentary access to over 1,000 airport lounges worldwide. This benefit offers a comfortable and relaxing space to unwind before your flight, with services such as free Wi-Fi, snacks, beverages, and more. Whether you’re traveling domestically or internationally, this perk ensures a premium experience at the airport.
Travel Insurance Coverage
The Axis Atlas Credit Card provides comprehensive travel insurance, covering a wide range of travel-related mishaps, such as:
- Trip Cancellation: Coverage for unforeseen circumstances that may cause you to cancel your trip, ensuring you don’t lose your travel expenses.
- Lost Luggage: Protection for your luggage in case of loss or delay, ensuring you’re reimbursed for essential items.
- Medical Emergencies: Coverage for medical expenses while traveling abroad, including hospitalization, treatment, and emergency medical evacuation if necessary.
Priority Check-in and Boarding
Cardholders can enjoy priority check-in and boarding privileges with select airlines. This benefit helps speed up the airport process, allowing you to skip long lines and board your flight with ease, ensuring a smoother and stress-free travel experience.
Accelerated Rewards on Travel Purchases
The Axis Atlas Credit Card offers accelerated reward points on travel-related purchases, including:
- Flight Tickets: Earn higher points when booking flights with airlines, making your travel spending more rewarding.
- Hotel Stays: Enjoy bonus points on hotel bookings, allowing you to earn rewards for your accommodation expenses.
- Car Rentals: Get additional points when you rent a car through selected car rental services, adding extra value to your travel spending.
Points Transfer to Frequent Flyer Programs
For frequent travelers, the Axis Atlas Credit Card allows you to transfer your earned reward points to frequent flyer programs. This is a valuable perk for those who want to accumulate air miles and use them for flights, upgrades, or other travel-related benefits with partner airlines.
Concierge Service for Travel Assistance
The 24/7 concierge service is another major travel perk offered by the Axis Atlas Credit Card. Whether you need help booking last-minute flights, arranging airport transfers, or securing reservations at luxury hotels, the concierge service ensures that all your travel needs are met with ease.
Exclusive Travel Offers and Discounts
Axis Atlas Credit Cardholders often gain access to exclusive travel deals and discounts, including:
- Hotel Discounts: Special offers and discounts at luxury hotels and resorts worldwide.
- Car Rental Deals: Discounts on car rentals with leading global providers.
- Package Deals: Access to curated travel packages that offer great savings on holidays, tours, and activities.
No Foreign Transaction Fees
One of the standout travel benefits of the Axis Atlas Credit Card is the waiver of foreign transaction fees. This means you can use your card for international purchases without worrying about extra charges, making it an ideal choice for those who travel abroad frequently.
VIP Access to Airport Services
In addition to lounge access, the Axis Atlas Credit Card may offer VIP access to other airport services, including priority security checks and fast-track immigration, depending on the airport and card variant. This helps make your airport experience smoother and more convenient.
How to Earn Reward Points with the Axis Atlas Credit Card
Earning reward points with the Axis Atlas Credit Card is straightforward and highly beneficial, as it allows you to accumulate points for every rupee spent on eligible transactions. Here’s a breakdown of how to maximize your points and make the most of this rewards program:
Earn Points on Every Purchase
Every time you use your Axis Atlas Credit Card for shopping, dining, or everyday spending, you earn reward points. There is no limit to the number of points you can accumulate, and each transaction contributes to building your rewards balance.
Accelerated Points for Travel Purchases
The Axis Atlas Credit Card offers accelerated reward points on travel-related expenses, including flight bookings, hotel stays, and car rentals. By using your card for these purchases, you can earn more points, maximizing the rewards you receive on your travel-related expenditures.
Bonus Points for Dining
Enjoy dining out with the Axis Atlas Credit Card and earn extra reward points at select dining outlets. Many premium restaurants and dining partners offer exclusive bonus points for cardholders, turning your meals into rewarding experiences.
Online Shopping and Retail Purchases
Use your Axis Atlas Credit Card for everyday retail purchases, both online and in physical stores, and earn reward points. The card may offer higher points for shopping at partner retailers, so keep an eye on promotional offers to maximize your rewards.
Earn Points Through Special Promotions
The Axis Atlas Credit Card often runs seasonal or promotional campaigns where cardholders can earn additional points. Whether it’s a special event, a holiday season, or a specific retailer’s promotion, these limited-time offers allow you to rack up points more quickly.
Earn Points for Utility Bill Payments
Paying your utility bills with the Axis Atlas Credit Card can help you earn reward points. This includes payments for electricity, gas, water, and internet services, allowing you to earn points for regular, essential expenses.
Bonus Points for Meeting Spending Thresholds
New cardholders often receive a welcome bonus in the form of reward points when they meet a minimum spending threshold within the first few months of receiving the card. Be sure to review the terms and conditions to know the exact requirements for this bonus.
Earn Points on Fuel Purchases
You can earn reward points on fuel purchases made with your Axis Atlas Credit Card, subject to terms and conditions. This adds even more value to your regular trips to the petrol station.
Referral Programs
Some versions of the Axis Atlas Credit Card may offer additional rewards through a referral program, where you can earn points by referring friends or family members to apply for the card. Once the referred individual is approved and meets the spending requirement, both you and the referee can earn bonus points.
Points for Adding Additional Cardholders
In some cases, adding an authorized user to your Axis Atlas Credit Card account may earn you additional reward points. The points earned from purchases made by the additional cardholder typically count toward the primary cardholder’s rewards balance.
Transfer Points from Partner Programs
Axis Atlas Credit Cardholders may also have the option to transfer points from other loyalty programs, such as frequent flyer or hotel reward programs, into their Axis Bank reward points account. This helps you combine your points and maximize their value.
Axis Atlas Credit Card Reward Redemption
The Axis Atlas Credit Card offers a flexible and rewarding redemption program, allowing cardholders to get the most out of the reward points they’ve earned. Whether you want to use your points for travel, shopping, or other lifestyle benefits, the card provides several ways to redeem them. Here’s an overview of how to redeem your reward points:
Redeem Points for Travel
One of the most popular redemption options for Axis Atlas Credit Cardholders is booking travel. You can use your accumulated reward points to book flights, hotel stays, and car rentals through the Axis Bank travel portal or partner providers. Additionally, you can transfer your reward points to frequent flyer programs, converting them into air miles for flights or upgrades.
Merchandise Redemption
Your reward points can be exchanged for a variety of products and merchandise. Whether you want the latest gadgets, home appliances, fashion items, or accessories, you can browse through the Axis Bank rewards catalog and select from a wide range of items available for redemption.
Gift Vouchers
Another flexible redemption option is exchanging your points for gift vouchers. You can use these vouchers at a wide range of partner retailers, both online and offline. Whether it’s for shopping, dining, or lifestyle experiences, gift vouchers give you the flexibility to choose what suits your needs.
Cashback
The Axis Atlas Credit Card allows you to convert your earned reward points into cashback. This cashback can be credited directly to your card account or used to offset future bills. It’s a great option if you prefer a more practical way to use your rewards, especially for reducing outstanding balances.
Exclusive Partner Offers
Axis Atlas Credit Cardholders get access to exclusive offers and deals with select retail and service partners. You can redeem your points for discounts or special privileges when shopping at premium outlets, booking travel, or enjoying dining experiences with partner brands.
Charity Donations
For those who prefer giving back, the Axis Atlas Credit Card offers the option to redeem points for charity donations. You can contribute to various charitable causes and organizations by using your reward points as a donation, making it a meaningful way to use your earned rewards.
Instant Redemption
Axis Bank provides the convenience of instant reward redemption for certain options. This means you can redeem points for travel bookings, merchandise, and more right when you need them. Instant redemption gives you flexibility, especially when you want to take advantage of time-sensitive offers or bookings.
No Expiry on Points
One of the most attractive aspects of the Axis Atlas Credit Card reward program is that your points don’t expire, as long as your account remains active. This allows you to accumulate points over time and redeem them whenever you want, without the pressure of a looming expiry date.
Bonus Redemption Offers
Axis Atlas Credit Cardholders also get access to special redemption offers, where they can redeem reward points at a higher value or get exclusive deals on certain items. These offers are typically available during promotional periods, holidays, or festive seasons.
How to Redeem Points
You can redeem your points easily through the Axis Bank online rewards portal, where you can browse the catalog of rewards, check your points balance, and make redemptions. The Axis Bank mobile banking app also offers an intuitive way to redeem your reward points on the go, ensuring that you can access your rewards at your convenience. If you need assistance with redeeming points, Axis Bank customer care can guide you through the redemption process, making it even easier to claim your rewards.
Fee Structure of the Axis Atlas Credit Card
The Axis Atlas Credit Card comes with a range of benefits, but like any premium credit card, it also carries certain fees and charges. Understanding these fees is important to ensure you can maximize the benefits of the card while managing costs effectively. Below is an overview of the typical fee structure for the Axis Atlas Credit Card:
Annual Fee
The Axis Atlas Credit Card has an annual fee that is charged every year for card membership. This fee grants you access to the card’s wide range of benefits, including travel perks, reward points, and other privileges. It’s important to check the exact amount of the annual fee, as it may vary based on the specific variant of the card.
Joining Fee
Some versions of the Axis Atlas Credit Card may come with a one-time joining fee, which is charged when you first apply for the card. This fee is typically used to cover the processing costs and other initial services provided by the bank. Certain promotions or offers may waive this fee for new applicants, so be sure to check for any such discounts.
Interest Rates (APR)
The Axis Atlas Credit Card charges an interest rate on outstanding balances that are carried beyond the due date. If you do not pay the full amount due by the payment due date, you will be charged interest on the unpaid balance. The annual percentage rate (APR) can vary, so it’s important to pay your bills on time to avoid high-interest charges.
Cash Advance Fees
If you use your Axis Atlas Credit Card to withdraw cash from an ATM or bank, a cash advance fee will be charged. This fee is typically a percentage of the amount withdrawn, and interest charges may apply from the date of withdrawal, often at a higher rate than regular purchases. Cash advances should be avoided if possible due to these additional costs.
Late Payment Fee
If you miss your payment due date, you will incur a late payment fee. The amount varies based on the outstanding balance on your credit card. It’s important to always make timely payments to avoid this fee and the negative impact on your credit score.
Foreign Transaction Fees
For purchases made in foreign currencies or international transactions, the Axis Atlas Credit Card may charge a foreign transaction fee. This fee is a percentage of the transaction amount and is typically applied when you make a purchase in a foreign currency or while traveling abroad.
Overlimit Fee
If you exceed your credit limit, an overlimit fee will be charged. It’s advisable to keep track of your spending and stay within your credit limit to avoid this fee and any potential negative effects on your credit score.
Supplementary Card Fees
If you choose to add supplementary cardholders (additional users) to your account, there may be a fee associated with each supplementary card. The fee may vary depending on the specific terms and conditions of your credit card.
Reward Redemption Fees
While redeeming rewards for travel, merchandise, or other benefits is generally free of charge, there may be some administrative fees for specific redemption methods. For example, transferring points to a frequent flyer program or booking travel through the Axis Bank travel portal may involve a nominal fee or tax charges.
Duplicate Statement Fee
If you request a duplicate copy of a credit card statement, Axis Bank may charge a fee. This fee typically applies if you request an older statement or need a hard copy for your records.
Conversion Fees for EMI (Equated Monthly Installments)
If you convert large purchases into EMIs, a processing fee may apply, which is generally a percentage of the transaction amount. This fee is typically added to the total EMI cost, and there might also be interest charges depending on the tenure selected.
Reward Points Expiry Fee
While Axis Atlas Credit Card reward points generally do not expire as long as the card account remains active, certain conditions may apply if the account is closed or inactive for extended periods. In such cases, you may lose your accumulated points. It’s advisable to review the card terms regarding reward point expiry.
Eligibility Criteria for the Axis Atlas Credit Card
To apply for the Axis Atlas Credit Card, applicants must meet specific eligibility criteria set by Axis Bank. These criteria ensure that the card is offered to individuals who have the financial capacity to manage the credit card responsibly. Below are the typical eligibility requirements for the Axis Atlas Credit Card:
Age Requirement
The primary cardholder must be between 18 to 70 years of age at the time of application. The minimum age requirement ensures that the applicant is legally eligible to enter into a financial contract, while the maximum age limit allows the bank to ensure that the applicant can manage the card effectively.
Income Requirement
Salaried Individuals: Applicants must have a minimum monthly income (or annual salary) specified by the bank. This requirement can vary based on factors such as the city of residence, the applicant’s job profile, and the specific card variant. Self-Employed Individuals: Self-employed applicants must meet a minimum annual income threshold, which is usually higher than the income requirement for salaried individuals. The bank may also require the applicant to submit financial documents like balance sheets, income tax returns, or business registration details.
Credit Score
A good credit score is a crucial eligibility factor. Typically, applicants should have a credit score of 750 or higher (on a scale of 300-900) to be considered for the Axis Atlas Credit Card. A higher score increases the chances of approval and may also result in a higher credit limit.
Employment Status
Salaried Employees: The applicant must be employed with a stable income source, typically working in a reputed company. Axis Bank may require a letter from the employer or salary slips to verify the employment status. Self-Employed Professionals: Self-employed individuals, including business owners, professionals, and freelancers, are also eligible to apply, provided they can demonstrate stable income and financial capacity.
Residency Status
The Axis Atlas Credit Card is generally available to Indian residents. However, non-resident Indians (NRIs) may also be eligible to apply if they meet specific criteria. In the case of NRIs, additional documents related to their overseas income and residence status may be required.
Existing Relationship with Axis Bank
While not mandatory, having an existing banking relationship with Axis Bank (such as a savings account, fixed deposit, or loan) can improve the chances of getting approved for the credit card. Axis Bank may also consider your previous banking history when evaluating your application.
Documentation Requirements
To complete the application process, you will need to provide necessary documents that validate your identity, address, and income. These typically include:
- Proof of Identity: A government-issued ID such as Aadhaar card, passport, voter ID, or driver’s license.
- Proof of Address: Utility bills, rental agreement, passport, or bank statements.
- Proof of Income: Salary slips, income tax returns (ITR), or bank statements.
Other Factors
Axis Bank may also assess factors like your debt-to-income ratio and past credit behavior. For example, if you have an existing credit card or loan with other banks, your payment history and current outstanding balances will be taken into account.
Application Process for the Axis Atlas Credit Card
Applying for the Axis Atlas Credit Card is a straightforward process, whether you choose to apply online or offline. Here’s a step-by-step guide on how to apply for the card:
Online Application
- Visit the Axis Bank Website Begin by visiting the official Axis Bank website. Navigate to the credit card section and select the Axis Atlas Credit Card.
- Fill Out the Application Form Click on the “Apply Now” option to open the online application form. Fill in the required details, including personal information such as your name, contact details, address, and employment information. You’ll also need to provide your income details to help Axis Bank assess your eligibility.
- Upload Documents After filling out the form, you will be asked to upload scanned copies of your documents. These typically include:
- Proof of Identity: Aadhaar card, passport, voter ID, or driver’s license.
- Proof of Address: Utility bills, rental agreement, passport, or bank statement.
- Proof of Income: Salary slips, income tax returns (ITR), or bank statements.
- Submit the Application After entering all the necessary information and uploading the required documents, review the details carefully. If everything is accurate, submit the application.
- Application Review Axis Bank will review your application and documents. The bank will check your eligibility based on factors such as your age, income, credit score, and employment status.
- Approval & Card Issuance If your application is approved, you will receive an email or SMS confirming the approval of your Axis Atlas Credit Card. The bank will then process your card, and it will be sent to your registered address. This may take a few days.
- Activate the Card Once you receive your card, you will need to activate it before use. This can typically be done through the Axis Bank mobile app, by calling the bank’s customer service, or by visiting an ATM.
Offline Application
- Visit an Axis Bank Branch If you prefer applying in person, you can visit your nearest Axis Bank branch. Speak with a customer service representative who will provide you with the credit card application form.
- Complete the Application Form Fill out the application form with the required details. Be sure to have the necessary documents on hand for submission.
- Submit Documents Along with the completed application form, you will need to submit photocopies of documents like proof of identity, address, and income.
- Processing & Approval Once you submit the form and documents, Axis Bank will process your application. The bank may contact you for additional information or clarification if needed.
- Card Issuance If your application is successful, you will receive your Axis Atlas Credit Card at your registered address within a few days.
- Activate the Card As with the online application, you will need to activate the card before using it.
Things to Keep in Mind
- Eligibility Check: Before applying, ensure that you meet the eligibility criteria for the Axis Atlas Credit Card to increase your chances of approval.
- Documents: Make sure that all the documents you submit are clear, valid, and up-to-date.
- Credit Score: A good credit score (750 or higher) is recommended for faster approval.
- Processing Time: The application process usually takes a few days, but it can vary depending on the method of application and document verification.
Interest Rates and Charges for Axis Atlas Credit Card
Here’s a table summarizing the interest rates and charges for the Axis Atlas Credit Card:
| Charge Type | Details |
|---|---|
| Annual Fee | Varies based on card variant (typically ₹1,000 to ₹3,000) |
| Joining Fee | May vary; often waived during promotional periods |
| Interest on Outstanding Balance | Annual Percentage Rate (APR): 40-45% p.a. |
| Cash Advance Fee | 2.5% of the withdrawn amount or ₹300 (whichever is higher) |
| Cash Advance Interest Rate | 2.5% monthly (30% annually), charged from the date of withdrawal |
| Late Payment Fee | ₹400 – ₹1,000 (depending on the outstanding balance) |
| Overlimit Fee | ₹500 (if the cardholder exceeds the credit limit) |
| Foreign Transaction Fee | 3.5% of the transaction amount |
| Duplicate Statement Fee | ₹100 per statement |
| EMI Conversion Fee | 1% to 1.5% of the transaction value (processing fee) |
| Reward Redemption Fee | Generally free; fees may apply for certain redemptions like transferring points to airlines |
| Supplementary Card Fee | ₹500 per card (varies based on card type) |
Customer Support Services for Axis Atlas Credit Card
Axis Bank provides robust customer support services to ensure that cardholders have a smooth experience with their Axis Atlas Credit Card. Whether you have inquiries about your card, need assistance with issues, or require help with billing or rewards, the following customer support options are available:
Phone Support
Axis Bank offers a dedicated customer care helpline for credit card-related queries. You can contact:
- 24/7 Toll-Free Number: 1860 419 5555
- Alternate Number: 1860 500 5555
A customer support representative can assist with general queries, dispute resolution, payments, and more.
Email Support
For non-urgent inquiries such as requesting duplicate statements, rewards redemption details, or clarifications on fees and charges, you can email Axis Bank at:
- Email: axisbank.cards@axisbank.com
Axis Bank Mobile App
The Axis Mobile Banking App allows you to manage your Axis Atlas Credit Card directly from your smartphone. You can:
- View statements
- Check rewards points balance
- Make payments
- Report lost or stolen cards
- Raise service requests
Download the Axis Bank app from the Google Play Store or Apple App Store.
Internet Banking
Axis Internet Banking enables you to manage your credit card online, including accessing your card details, tracking transactions, making payments, and more. Log in to Axis Internet Banking through the official Axis Bank website.
SMS Banking
Axis Bank offers SMS-based banking services for quick actions, such as checking the available balance, recent transactions, or bill payments. You can register your mobile number with the bank to access these services.
Grievance Redressal
If your issue is unresolved through the customer support team, you can escalate it to Axis Bank’s grievance redressal team. You can reach them through:
- Email: axisbank.cards@axisbank.com
- Call: 1860 419 5555 or 1860 500 5555
Branch Visit
For complex issues like card fraud or disputes, you can visit your nearest Axis Bank branch. A customer service officer will assist you and direct you to the appropriate department.
Social Media Support
Axis Bank is active on social media platforms like Twitter and Facebook. You can reach out via direct messages for support:
- Twitter: @AxisBankSupport
- Facebook: Axis Bank Official Page
Conclusion
In conclusion, the Axis Atlas Credit Card is a premium choice for those who seek a blend of luxury, rewards, and travel benefits. With features like global lounge access, accelerated reward points, and exclusive perks for travelers and shoppers, it provides excellent value for frequent travelers and high spenders. The card offers a seamless and rewarding experience, making it a great companion for those who enjoy premium services. Whether you are looking to earn rewards on everyday purchases or enjoy benefits while traveling, the Axis Atlas Credit Card is a fantastic option worth considering.
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FAQs About Axis Atlas Credit Card
What are the key benefits of the Axis Atlas Credit Card?
The Axis Atlas Credit Card offers a range of premium benefits, including global lounge access, accelerated reward points, travel insurance, dining discounts, and complimentary golf rounds.
How do I earn reward points with the Axis Atlas Credit Card?
You earn 3 reward points for every ₹200 spent on retail purchases, including travel, shopping, and dining. Additional points can be earned for travel-related expenses.
How can I redeem my reward points?
Reward points can be redeemed for travel bookings, shopping vouchers, or even cashback. Points can also be transferred to a wide range of partner airlines or hotel loyalty programs.
What is the annual fee for the Axis Atlas Credit Card?
The annual fee typically ranges from ₹1,000 to ₹3,000, depending on the card variant. There may also be promotional offers that waive the annual fee in the first year.
Is the Axis Atlas Credit Card accepted globally?
Yes, the Axis Atlas Credit Card is accepted worldwide at millions of merchants and ATMs, making it a convenient choice for both domestic and international travel.
What travel perks come with the Axis Atlas Credit Card?
Cardholders enjoy benefits like complimentary access to over 1,000 airport lounges globally, travel insurance, discounts on flight bookings, and more.
What is the interest rate on outstanding balances?
The interest rate on outstanding balances is approximately 40-45% per annum, which is typical for premium credit cards. It is advisable to pay your bill in full to avoid interest charges.
How do I apply for the Axis Atlas Credit Card?
You can apply for the Axis Atlas Credit Card online through the Axis Bank website or visit a nearby Axis Bank branch to complete your application process.
What is the eligibility criteria for the Axis Atlas Credit Card?
To apply, you must be between 18 to 70 years old, have a stable income, and meet the bank’s credit score requirements. The exact income requirement may vary depending on the card variant and your location.
What fees are associated with the Axis Atlas Credit Card?
Common fees include the annual fee, cash advance fee (2.5% or ₹300), late payment fees, and foreign transaction fees (3.5% of the transaction amount). Always check the latest fee details on the Axis Bank website.
Can I use the Axis Atlas Credit Card for international transactions?
Yes, the Axis Atlas Credit Card is designed for global use and can be used for international transactions, both online and in-person, with a foreign transaction fee applicable.
How can I contact Axis Bank customer support for card-related issues?
You can reach Axis Bank customer support through their helpline numbers, email support, or by visiting an Axis Bank branch for assistance with card-related queries.
How can I track my Axis Atlas Credit Card transactions?
You can track your transactions via Axis Bank’s mobile app, internet banking, or by receiving SMS alerts after each transaction. You can also check your statements regularly.
Are there any rewards for overseas spending with the Axis Atlas Credit Card?
Yes, you can earn reward points for overseas spending as well. However, a foreign transaction fee of 3.5% may apply to international purchases.
What should I do if my Axis Atlas Credit Card is lost or stolen?
If your card is lost or stolen, you should immediately report it to Axis Bank’s customer support helpline to block the card. You can also request a replacement card.
Can I convert my Axis Atlas Credit Card purchases into EMIs?
Yes, Axis Bank offers the option to convert your high-value transactions into easy EMIs. You can apply for this option through the Axis Bank mobile app or customer service.
How long does it take for the Axis Atlas Credit Card to be delivered after approval?
Once approved, the Axis Atlas Credit Card is typically delivered to your address within 7-10 business days.
Does the Axis Atlas Credit Card offer any welcome benefits?
Yes, the Axis Atlas Credit Card often comes with attractive welcome benefits such as bonus reward points, complimentary airport lounge access, or discounted travel bookings.
Can I add an additional cardholder to my Axis Atlas Credit Card account?
Yes, you can add supplementary cardholders to your Axis Atlas Credit Card account. However, the primary cardholder is responsible for all payments and transactions.
Does the Axis Atlas Credit Card provide cash withdrawal facilities?
Yes, you can withdraw cash from ATMs with your Axis Atlas Credit Card. However, cash withdrawals come with a fee and interest charges, which may be higher than regular purchases.
What happens if I miss a payment on my Axis Atlas Credit Card?
Missing a payment may lead to late payment fees, interest charges, and a negative impact on your credit score. It is advised to make timely payments to avoid penalties.
Are there any special offers or discounts for Axis Atlas Credit Cardholders?
Yes, Axis Atlas Credit Cardholders often get access to exclusive offers, including discounts on travel bookings, dining, shopping, and more, through Axis Bank’s partner brands.
Can I use the Axis Atlas Credit Card for online shopping?
Yes, the Axis Atlas Credit Card can be used for secure online shopping, both domestically and internationally. It comes with an added layer of protection for online transactions.
Is the Axis Atlas Credit Card a contactless card?
Yes, the Axis Atlas Credit Card supports contactless payments, allowing you to make quick and secure transactions by tapping the card at compatible terminals.
