| Charges |
Atlas Credit Card |
| Standard Joining fee |
Rs.5000 |
| Standard Annual fee(2nd year onwards) |
Rs.5000 |
| Standard Add-on Card Joining fee |
NIL |
| Standard Add-on Card Annual fee |
NIL |
| Card replacement fee |
Nil |
| Fee for cash payment |
Rs.100 |
| Duplicate statement fee |
Waived |
| Late Payment Fees. |
Nil if total payment due is less than Rs. 500.
Rs. 500 if total payment due is between Rs. 501-Rs.5,000.
Rs.750 if total payment due is between Rs. 5,001-Rs.10,000.
Rs. 1200 if total payment due is greater than Rs. 10,000. |
| Finance charges(Retail purchases and cash) |
3.6% Per Month (52.86% Per Annum) |
| Cash withdrawal fees |
Min. Rs. 500 upto 2.5% of the cash withdrawl amount. |
| Over limit penalty |
Mini Rs.500 upto 2.5% of the over limit amount. |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Cheque return or dishonor fees or auto-debit reversal |
2% of the payment amount subject to Min. Rs. 450,Max. Rs. 1500. |
| Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways. |
| Fuel transaction surcharge |
1% of transaction amount (Refunded for fuel transactions between Rs.400 and Rs.4000.Maximum benefits upto Rs.400 per statement cycle.)
Note: The fuel surcharge is not levied by the card issuing bank , on certain fuel surcharge may be levied as INR 10 + GST instead of 1% +GST. |
| Foreign currency transaction fee |
3.5% of the transaction value. |
| Dynamic Currency Conversion markup |
1% on international transaction performed in indian currency at international location or transactions performed in indian currency with merchants located in indian but registerd in foreign nation. |
| Mobile Alerts for Transactions |
Wavied |
| Hotlisting Charges |
Wavied |
| Balance enquiry charges |
Waived |
| Rewards Redemption fee |
Waived |
| Rewards Transaction fee |
1% capped at INR 1,500 Per transaction on rental transactions. |