Axis Atlas Credit Card - Applications Closed from August 31st 2025

[NikhilG]

Even I have no personal experience about the remaining 2 : Luxe and Postcard. Yatra looks like the best. Maybe others here who have used postcard/Luxe vouchers may be able to explain better

Yatra limitations say only one way domestic and that too for one person. Also I hope they don't get to decide the location. Not sure which place to go from delhi for max 12500 ticket benefit

 

[NikhilG]

Even I have no personal experience about the remaining 2 : Luxe and Postcard. Yatra looks like the best. Maybe others here who have used postcard/Luxe vouchers may be able to explain better

I know atlas is not available now, but is magnus good for my use case or atlas had been better? Just one time offline spend of 7 lakh in whole year

 

[Dr.AMAN]

I know atlas is not available now, but is magnus good for my use case or atlas had been better? Just one time offline spend of 7 lakh in whole year

I still feel magnus would be better for such 1 time high purchases. U can go through this video. He has explained the comparison between Atlas and M4B but u can easily compare it for magnus by changing the 5:4 to 5:2 ratio

 

[NikhilG]

I still feel magnus would be better for such 1 time high purchases. U can go through this video. He has explained the comparison between Atlas and M4B but u can easily compare it for magnus by changing the 5:4 to 5:2 ratio

Yeah I saw this earlier, in that case till 7 lakh spend atlas was same as m4b. Considering I spend one time 7 to 8 lakh it's value would be half then atlas. I will have to upgrade to m4b before redeeming, otherwise no use. Wish I could get atlas via offline route

 

[Dr.AMAN]

Yeah I saw this earlier, in that case till 7 lakh spend atlas was same as m4b. Considering I spend one time 7 to 8 lakh it's value would be half then atlas. I will have to upgrade to m4b before redeeming, otherwise no use. Wish I could get atlas via offline route

Yes but sadely even offline route is closed now. We will never see the 1:2 ratio like Atlas ever again

 

[NikhilG]

Yes but sadely even offline route is closed now. We will never see the 1:2 ratio like Atlas ever again

One guy asking me to open burgundy account and do investment for atlas exceptional sourcing.

 

[Dr.AMAN]

One guy asking me to open burgundy account and do investment for atlas exceptional sourcing.

He is just bluffing to meet his targets. Atlas is dead and burried long back. Even existing users r worried about the future of Atlas in next 1 year. If u can manage to get hands on burgundy account then u should not settle for anything less than M4B.

 

[NikhilG]

He is just bluffing to meet his targets. Atlas is dead and burried long back. Even existing users r worried about the future of Atlas in next 1 year. If u can manage to get hands on burgundy account then u should not settle for anything less than M4B.

Yeah even I'm thinking that. Should I first get magnus before to collect reward points because I might not redeem this year

 

[Dr.AMAN]

Yeah even I'm thinking that. Should I first get magnus before to collect reward points because I might not redeem this year

It is a bit risky. I dont have personal experience applying for either Magnus or M4B, but based on reviews that I have read from Magnus holders on TF/Reddit, it is easier to get fresh M4B (if u meet the eligibility) than upgrading Magnus to M4B. U either have to maintain 30L for 1 month in Axis SA and then get the M4B or keep 10L for 3 months and then negotiate for Burgundy. If all these is too much hassle then better to just take the normal Magnus.

 

[NikhilG]

I

It is a bit risky. I dont have personal experience applying for either Magnus or M4B, but based on reviews that I have read from Magnus holders on TF/Reddit, it is easier to get fresh M4B (if u meet the eligibility) than upgrading Magnus to M4B. U either have to maintain 30L for 1 month in Axis SA and then get the M4B or keep 10L for 3 months and then negotiate for Burgundy. If all these is too much hassle then better to just take the normal Magnus.

In that will have to wait by month end because I will open burgundy account on 29th and put 30 lakhs in it. Then I will ask for m4b(next month after last month statement is generated)and after that is approved I will take out 20 lakhs because amb for burgundy is 10 lakhs.

 

[Dr.AMAN]

I

In that will have to wait by month end because I will open burgundy account on 29th and put 30 lakhs in it. Then I will ask for m4b(next month after last month statement is generated)and after that is approved I will take out 20 lakhs because amb for burgundy is 10 lakhs.

Yes if u have that much Capital and r happy with Axis then this is the best route. M4B is still the King for huge purchases

 

[NikhilG]

Yes if u have that much Capital and r happy with Axis then this is the best route. M4B is still the King for huge purchases

Capital is not a problem, axis interest rate of 3 percent is the problem. Imagine losing 4 percent on 30 lakhs as idfc gives 7 percent. Should add that cost for m4b acquiring. Also 30k plus gst fees. All I'm thinking if its really worth for one time car spend of 7 to 8 lakh. Otherwise won't be using this cc for the whole year
So it's 2.75 in axis. I will lose around 42500 before tax if I maintain 10 lakhs in axis plus I also pay 30k plus gst for m4b. So I pay whopping 77500 every year for that card 😐

 

[Dr.AMAN]

Capital is not a problem, axis interest rate of 3 percent is the problem. Imagine losing 4 percent on 30 lakhs as idfc gives 7 percent. Should add that cost for m4b acquiring. Also 30k plus gst fees. All I'm thinking if its really worth for one time car spend of 7 to 8 lakh. Otherwise won't be using this cc for the whole year

If ur monthly CC spends are >1.5L then M4B is still good due to its 5:4 ratio. If not then better to avoid. If u really want to squeeze the juice out of Axis for that 7-8lakh spends then get the M4B for 1st year and close it by year-end including the Burgundy account after transferring all points.

 

[mojo_jojo123]

I

In that will have to wait by month end because I will open burgundy account on 29th and put 30 lakhs in it. Then I will ask for m4b(next month after last month statement is generated)and after that is approved I will take out 20 lakhs because amb for burgundy is 10 lakhs.

is this allowed ? are you sure ?

 

[NikhilG]

If ur monthly CC spends are >1.5L then M4B is still good due to its 5:4 ratio. If not then better to avoid. If u really want to squeeze the juice out of Axis for that 7-8lakh spends then get the M4B for 1st year and close it by year-end including the Burgundy account after transferring all points.

I did some calculations and cost to just acquire it comes to 30k plus gst and 42500 loss of annual interest on 10 lakhs so it's close to 75k. Only makes sense if I get AEP for 3 or 4 months.

 

[Giyu-san]

Saw this on Reddit - Someone got Atlas recently through their RM.

 

[NikhilG]

I check for cpp as well but no luck

 

[NikhilG]

So I just talked to axis customer care. I have pre approved offer magnus on master card with shared limit basis of 4 lakh 70k total. Is it enough for magnus.
Does that mean, after 1.5 lakh I'm eligible for 4.70 on AEP OR is it 3.20 on AEP

 

[6ix9ine]

Everything is possible offline. Just find a right RM, atlas is still being issued offline. You can find many posts outside TF.

 

[Dr.AMAN]

So I just talked to axis customer care. I have pre approved offer magnus on master card with shared limit basis of 4 lakh 70k total. Is it enough for magnus.
Does that mean, after 1.5 lakh I'm eligible for 4.70 on AEP OR is it 3.20 on AEP

It is 3.2 after 1.5. Ur spends cannot excced 4.7L in total