Axis Bank
Axis Bank Rewards Credit Card
Annual Fee
₹1,179₹999 + GSTBase Reward
2% cashback
Foreign Markup
3.5% + GST
Welcome Benefits
5,000 EDGE Reward Points (Worth ₹1,000) on Spending ₹1,000 or More Within the First Month of Card Issuance
Product Highlights
- Welcome benefit of 5000 EDGE reward points
- 2 EDGE reward points on every spend of ₹125
- 10x EDGE reward points on every spend of ₹125 on departmental and apparel stores
- Membership benefits worth ₹1000 per card anniversary year
- 30% off on Swiggy orders
- 5% CashBack on Amazon
- 5% CashBack on Flipkart
- 1% CashBack on all other spends
Category Rewards
dining
15% off at partner restaurants
15%
shopping
10X EDGE Points at Departmental and Apparel Stores
10%
Fee Waiver
Waived on ₹2 Lakhs annual spend
Merchant-Specific Rewards
Swiggy
30% off(Maximum discount of ₹150, available twice per month.)
Amazon
5% CashBack
Flipkart
5% CashBack
Reward Calculator
Earns ₹1,821/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
15K
Axis EDGE Reward Points
₹3K
via edge catalogue · ₹0.2/pt
Effective rate
1.00%
Annual fee
₹1,179
Year 1 net
+₹1,821
Year 2+ net
+₹1,821
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & 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, government
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
10X EDGE Points on every ₹125 spent at Departmental and Apparel Stores. 2 EDGE Points on every ₹125 on all eligible spends. 30% off on Swiggy orders.
Redemption
1 CashPoint = ₹1 against statement
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (On Spends of ₹50,000 or More in the Last Quarter) International: 2 per year via Priority Pass (Available from year 2 onwards) 2 complimentary domestic lounge access every quarter with the Rewards credit card.
Pros & Cons
Pros
- Best suited for avid shoppers as it provides 2 Edge Reward Points for every spend of ₹125.
- 5,000 Edge Reward Points as a welcome point within 30 days of card issuance.
- 1,000 CashPoints on card setup
- 4 complimentary lounge visits per quarter
- ₹1,000 gift vouchers on ₹1L quarterly spend
Cons
- No access to international lounges at airports.
- No golf benefits provided with this card.
- Annual fee of ₹1,000
- Min ₹2L quarterly spend for lounge access
Additional Info
Welcome benefit is not available to those who swap their existing Axis Bank card for the Rewards credit card.
Accelerated reward points are capped at 1,008 points per month on spending a maximum of ₹7,000.
Excluded Categories
Partner Merchants
Ready to apply?
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Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹2 Lakhs annual spend