HomeCredit CardsAxis Bank AURA Credit Card
Axis Bank AURA Credit Card

Axis Bank

Axis Bank AURA Credit Card

visaclassiccreditshoppinghealth

Annual Fee

₹884₹749 + GST

Base Reward

0.2% points

Foreign Markup

3.5%

Apply Now
4/5
VerifiedLast updated 26 May 2026

Welcome Benefits

Decathlon Voucher Worth ₹750

Product Highlights

  • 4 free video doctor consultations per month on Practo
  • 4 interactive video fitness sessions and 16 recorded sessions per month via Fitternity
  • Annual discount of up to ₹500 on health check-ups
  • Minimum 30% discount on nutritional/diet consultations from partner nutritionists
  • Minimum 30% discount on nutritional food

Category Rewards

Specialty

5X EDGE Points on insurance spends

5X

Reward Calculator

Costs you ₹284/year

Break-even needs ~₹19,154/month at your reward mix.

Monthly spend

₹13K

across all your buckets

Points / yr

3K

Axis EDGE Reward Points

Best worth

₹600

via edge catalogue · ₹0.2/pt

Effective rate

0.38%

Annual fee

₹884

Year 1 net

₹-284

Year 2+ net

₹-284

ongoing

Adjust your spend by reward bucket

2 buckets
1.00%5X EDGE Points on insurance spends
₹3,000/mo
Earns 150 axis edge reward points / mo≈ ₹30 worth/mo
0.20%All other spends
₹10,000/mo
Earns 100 axis edge reward points / mo≈ ₹20 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Rent payment surcharge

1%

Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.

Wallet load surcharge

1%

Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)

Utility payment surcharge

1%

Kicks in after ₹25,000 cumulative utility spends/cycle

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 2 EDGE Points per ₹200 spent with the card and 5X EDGE Points on insurance spends (maximum transaction of ₹10,000).

Reward Points — Redemption Value
  • Redeem Points for Vouchers and Products on the Axis Bank EDGE Rewards Portal

Benefits & Features

15% Discount on Dining at Partner Restaurants

Pros & Cons

Pros

  • 2 EDGE Points per ₹200 spent with the card
  • 5X EDGE Points on insurance spends
  • Decathlon voucher worth ₹750 as a welcome gift
  • 15% discount on dining bills at partner restaurants

Cons

  • 0.2% reward rate on all other spends
  • No EDGE Reward Points for utilities, education, wallet, rent, fuel, and government institutions

Additional Info

Excluded Categories

utilitieseducationwalletrentfuelgovernment institutions

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹749
Joining Fee₹749 + GST
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% of the Withdrawn Amount (Minimum of ₹500)
Redemption Fee₹99 + GST

Eligibility

Min Age

18 yrs

Networks

visamastercardrupay