| 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 |
| Finance Charges (Retail Purchases & Cash) | 3.60% per month (52.86% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. Rs 500) of the Cash Amount |
| Fee for Cash Payment | Rs. 100 |
| Card Replacement | Nil |
| Duplicate Statement Fee | Waived |
| Overdue Penalty or Late Payment Fee | Nil if total payment due is up to Rs. 500 |
| Rs. 500 if total payment due is between Rs. 501 and Rs. 5,000 |
| Rs. 750 if total payment due is between Rs. 5,001 and Rs.10,000 |
| Rs. 1,200 if total payment due is greater than Rs 10,000 |
| Over Limit Penalty | 2.5% of the overlimit amount (Min. Rs 500) |
| Chargeslip Retrieval Fee or Copy Request Fee | Waived |
| Outstation Cheque Fee | Waived |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. Rs. 450 and Max. Rs. 1,500 |
| 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 Per Statement Cycle) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Mobile Alerts for Transactions | Waived |
| Hotlisting Charges | Waived |
| Balance Enquiry Charges | Waived |
| Reward Redemption fee | Waived |
| Rent Transaction fee ( Applicable from 5th March 2023) | 1% capped at INR 1,500 per transaction on rental transactions |
| Dynamic Currency Convrsion markup ( Applicable from 5th March 2023) | 1% on International transaction performed in Indian currency at International location or transactions performed in indian currency with merchants located in Indian but registered in foreign nation |
