Atlas Credit Card
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Highlights
- Base Reward: 2.00% return (2 RP / ₹100)
- Domestic Lounge: 12 visits/year via Visa Lounge Program
- International Lounge: 6 visits/year via Priority Pass
- Forex Markup: 2%
Welcome / Joining Benefit
No joining fee waiver, but welcome gift of 5,000 Edge Miles upon payment of joining fee.
Points Expiry
Edge Miles are valid for 3 years.
Joining Fee
₹5,000
+18% GST applicable
Annual Fee
₹5,000
+18% GST applicable
Renewal Fee
₹5,000
+18% GST applicable
Joining Fee Waiver
No joining fee waiver, but welcome gift of 5,000 Edge Miles upon payment of joining fee.
Annual Renewal Benefit
No renewal fee waiver available.
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Salaried Income Requirement
₹75,000 / month
Minimum net monthly income required for salaried applicants.
Self-Employed ITR Requirement
₹9,00,000 / year
Minimum annual ITR required for self-employed applicants.
Additional Details
Requires monthly net salary of ₹75,000 or ITR of ₹9,00,000 p.a.
Base Reward Rate
Points per Spend
2 RP
Per Every
₹100
Effective Return
2%
Currency: Edge Miles — 1 point ≈ ₹1
Forex Markup: 2%
Accelerated & Special Rates
5 Edge Miles per ₹100 spent on airline portals and Travel Edge.
2.5X
5% return
Cap: 10,000 pts / Monthly
3 Edge Miles per ₹100 spent on international spends.
1.5X
3% return
Cap: 10,000 pts / Monthly
❌ No Points Earned On:
FuelRentWallet LoadGold/Jewelry
Milestone Benefits
Get 2,500 bonus Edge Miles on annual spends of ₹3 Lakhs.
Get an additional 2,500 bonus Edge Miles on annual spends of ₹7.5 Lakhs (total 5,000 miles).
Get an additional 5,000 bonus Edge Miles on annual spends of ₹15 Lakhs (total 10,000 miles).
🛫 Domestic Lounge Access
ProgramVisa Lounge Program
Visits12 per year
PrivilegesPrimary: Yes • Add-on: No • Guest: No
🌏 International Lounge Access
ProgramPriority Pass
Visits6 per year
PrivilegesPrimary: Yes • Add-on: No • Guest: No
Redemption Options
Smart Redemption Tips
🏆 Best value: Travel Portal at ₹1/pt — maximize your returns here.
🪙 Reward currency: EDGE Miles
Best Value
✈️Travel Portal
Travel EDGE flight and hotel bookings
₹1/pt
Points Transfer Partners
Total: 22 partnersSort By
Air Asia
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Aeroplan
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Flying Blue
AirlineGroup B
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Air India Maharaja Club
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
British Airways Executive Club
AirlineGroup B
2Points
1Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Ethiopian ShebaMiles
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Etihad Guest
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Finnair Plus
AirlineGroup B
2Points
1Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
IHG One Rewards
HotelGroup A
1Points
2Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 pt
Club ITC
AirlineGroup B
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
JAL Mileage Bank
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Orchid Rewards
HotelGroup A
1Points
1Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
Postcard
HotelGroup B
1Points
2Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 pt
Qantas Frequent Flyer
AirlineGroup B
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Radisson
HotelGroup B
1Points
1Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 1 pt
KrisFlyer
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
SpiceClub
AirlineGroup B
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Royal Orchid Plus
HotelGroup A
1Points
2Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 pt
Turkish Miles&Smiles
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
United
AirlineGroup A
1Points
2Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 mile
Vietnam Airlines Lotusmiles
AirlineGroup A
2Points
1Miles
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 0.5 mile
Wyndham Rewards
HotelGroup A
1Points
2Points
Min. Transfer500 pts
Transfer FeeFree
Effective Ratio1 pt = 2 pt