HomeCredit CardsAxis Bank KWIK RuPay Credit Card
Axis Bank KWIK RuPay Credit Card

Axis Bank

Axis Bank KWIK RuPay Credit Card

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Annual Fee

Lifetime Free

Base Reward

1% points

Foreign Markup

3.5% of the transaction amount

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4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

N/A

Product Highlights

  • Lifetime free credit card without joining or annual fees
  • Receive a virtual card instantly on the Kiwi mobile app after getting approved

Category Rewards

Specialty

2 EDGE RPs per Rs. 200 spent

1X

Reward Calculator

Earns ₹600/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹25K

across all your buckets

Points / yr

3K

Axis EDGE Reward Points

Best worth

₹600

via edge catalogue · ₹0.2/pt

Effective rate

0.20%

Annual fee

FREE

Year 1 net

+₹600

Year 2+ net

+₹600

ongoing

Adjust your spend by reward bucket

1 buckets
0.20%All spends
₹25,000/mo
Earns 250 axis edge reward points / mo≈ ₹50 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

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 reward points per Rs. 200 spent with the card on domestic and international spends.

Reward Points — Redemption Value
  • RPs can be redeemed against products, vouchers, flight/hotel tickets, Airmiles, etc.

Benefits & Features

1% fuel surcharge waiver on transactions between ₹400 to ₹4000, capped at ₹150 per month.

Pros & Cons

Pros

  • This is a lifetime free credit card.
  • Receive your virtual credit card instantly.

Cons

  • There is no international or domestic lounge access provided with the Axis Bank KWIK RuPay Credit Card.

Additional Info

Excluded Categories

fuelrent

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 FeeFREE
Joining FeeNil
Foreign Markup3.5% of the transaction amount
Interest Rate3.6% per month
Redemption Fee₹49 to redeem 300 to 10,000 RPs, and ₹99 if you want to redeem more than 10,000 points.

Eligibility

Min Age

18 yrs

Networks

rupay
Axis Bank KWIK RuPay Credit Card — Benefits, Rewards & Fees | Ri8Lane