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Axis BankVisa / Mastercard • Premium Tier Source Verified

Axis Bank Atlas Credit Card Fees & MITC Charges

India's premier airline & hotel transfer card with 1:2 mile conversion ratios to Accor, Singapore Airlines, and Qatar Airways.

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AXIS BANK
VISA

ATLAS

•••• •••• •••• 2026

Premium
Joining Fee
₹5,000
+ 18% GST on issuance
Annual Renewal Fee
₹5,000
Total billed: ₹5,900 incl. GST
Annual Fee Waiver Spend
N/A
No annual waiver criteria
Forex Markup Fee
3.5%
Effective 4.13% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:3 visit(s) per quarter
International Lounge Allowance:4 visit(s) per year (Priority Pass)
Quarterly Spend Condition:Unconditional (No spend requirement)

Official Rule: Tier-based lounge access with guest visits allowed (Silver Tier: 8 domestic, 4 international visits).

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹4000 (up to ₹400/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •5 EDGE Miles per ₹100 on direct airline and hotel spends (effective 10% value via partner transfers)
  • •Generous 1:2 mile transfer ratio to Accor ALL, Singapore Airlines KrisFlyer, and Qatar Airways
  • •5,000 EDGE Miles welcome gift on first transaction

Limitations & Drawbacks

  • •No fee waiver spend threshold (annual ₹5,000 + GST renewal applies)
  • •Strict capping on partner mile conversion limits per calendar year
  • •3.5% foreign currency markup
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about Axis Bank Atlas Credit Card charges

What is the annual fee for Axis Bank Atlas Credit Card?

The annual fee for Axis Bank Atlas Credit Card is ₹5000 + 18% GST (total ₹5900). It can be waived by spending ₹0 in the preceding card anniversary year.

What is the foreign currency (forex) markup on Axis Bank Atlas Credit Card?

Axis Bank Atlas Credit Card charges a 3.5% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does Axis Bank Atlas Credit Card offer airport lounge access in 2026?

Axis Bank Atlas Credit Card provides 3 complimentary domestic lounge visit(s) per quarter. No minimum quarterly spend required.