Axis Bank

Axis Bank Rewards Credit Card

Data last verified: 15 October 2026

ShoppingVISA

Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Reward rate0.32% on most spends; 3.2% only at partner merchants

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Fee waiverOn ₹2 lakh spend a year
Forex markup3.5%
Interest (APR)3.75% a month, 45% a year

The Axis Rewards card earns 10X EDGE points at apparel and department stores, worth about 3.2% of what you spend there, with a monthly cap. Other spends earn about 0.32%. New users get 5,000 bonus points after spending Rs 1,000 in the first 30 days, and there is a membership bouquet worth up to Rs 1,000 every card year.

The fee is ₹1,000 a year plus GST, waived when you spend ₹2 lakh in the year. The welcome points and yearly memberships already offset much of it.

It suits people who buy clothes and shop at department stores often. The catch: the base rate is low, the 10X rate is capped, and the 2 domestic lounge visits a quarter need Rs 50,000 of spend in the previous quarter. The forex fee is 3.5%.

Best for: Frequent clothing and department store shoppers, People wanting a welcome bonus, Occasional domestic flyers.

01Axis Bank Rewards Credit Card Rewards and Benefits

Rewards rate: 0.32% on most spends; 3.2% only at partner merchants
Fee waived on: ₹2 lakh spend a year
Reward redemption: Not published
Dining: 0.32% back (the normal rate)
Travel: 0.32% back (the normal rate)
Golf: Not included
Domestic lounge: 8 visits a year
International lounge: Not included
Insurance benefits: Not included

02Axis Bank Rewards Credit Card Annual Fee and Charges

Joining fee: ₹1,000 + GST
Annual fee: ₹1,000 + GST
Spend-based waiver: Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.5%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: Yes
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 0.32%₹64
Back each month, ₹768 a year₹64
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹768

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Online shopping only at Department stores, misc general merchandise, family clothing and apparel/accessory outlets, identified by merchant category code: 3.2% back, up to ₹224 a month
Spending ₹16,667 or more a month: the ₹1,180 fee is waived
Flyers: 8 airport lounge visits a year

Skip it if…

you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
you rarely spend on Department stores, misc general merchandise, family clothing and apparel/accessory outlets, identified by merchant category code: the 3.2% rate applies only there, everything else earns 0.32%
you often pay in foreign currency: 3.5% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04Product Details

10X EDGE points at apparel and department stores, capped monthly
About 0.32% back on other spends
5,000 bonus points on ₹1,000 spend in the first 30 days
Membership bouquet worth up to ₹1,000 each card year
2 domestic lounge visits a quarter after ₹50,000 spend
₹1,000 fee waived at ₹2 lakh yearly spend

05Pros and Cons

Pros

High rate on apparel and department stores
Welcome points come quickly
Reachable ₹2 lakh fee waiver

Cons

Low reward rate outside the bonus category
Monthly cap on 10X points
Lounge visits need ₹50,000 quarterly spend

06How Axis Bank Rewards Credit Card earns Rewards

0.32% on most spends; 3.2% only at partner merchants.

Earns nothing onRentWallet loadsFuelGovernmentUtility billsInsuranceEducationEMITollsGift cards

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	Earns nothing	-	a Visa or Mastercard card cannot pay by UPI
Online shopping	0.32%	No cap	Anywhere else in the category
Online shopping, only at listed merchants	3.2%	₹224	Only at: Department stores, misc general merchandise, family clothing and apparel/accessory outlets, identified by merchant category codeTerms: 10X, 20 EDGE Points per ₹125 (≈3.2%) at apparel and departmental stores, identified by MCC rather than by channel. Capped at ₹7,000 of such spend a statement month (1,120 points). All other online shopping earns only the 2-point base.
Dining and food delivery	0.32%	No cap	The card's normal rate
Groceries	0.32%	No cap	The card's normal rate
Travel: flights, hotels, trains	0.32%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	Earns nothing	-	earns nothing on this card
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	Earns nothing	-	earns nothing on this card
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	Earns nothing	-	earns nothing on this card
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	0.32%	No cap	The card's normal rate
Everything else	0.32%	No cap	The card's normal rate

Listed underShopping cards Rewards cards

CardAdvisor tagsOnline shoppingReward points

Terms on the base rate. 2 EDGE Reward Points per ₹125 on all eligible spends (≈0.3% in value). 1 point ≈ ₹0.20.

Point value. 1 point is worth about ₹0.2 at the bank's stated value.

07Axis Bank Rewards Credit Card Lounge Access and Travel

Domestic lounge access is 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 0.32% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.

Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, a wider band than the ₹400 to ₹4,000 on Select and Privilege, capped at ₹400 a statement month. Fuel earns no points.
Airport lounge access: 2 complimentary domestic airport lounge visits a quarter on ₹50,000 of spend in the previous 3 months; no international lounge access
Milestone bonuses: 1,500 EDGE Reward Points (≈₹300) in any statement month with ₹30,000 of eligible spend. Axis's own value chart assumes this is reached about 3 times a year, so roughly ₹900 to ₹3,600 only if you clear ₹30,000 every single cycle.

08Axis Bank Rewards Credit Card Eligibility and Documents

Age: 18 to 70 years
Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)

09Recent Changes

What Axis Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
22 Sept 2026	Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis Bank	Accor ALL unavailable since 2 April 2026	Accor ALL back, in Group A
22 Sept 2026	Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis Bank	None of the three available	Asia Miles in Group A; Miles & More and Hilton Honors in Group B
22 Sept 2026	Reduced: Club ITC removed as a transfer partnerSource: Axis Bank	Club ITC available	Club ITC removed
22 Sept 2026	Reduced: Flying Blue, Air India and Qantas moved into the smaller Group A transfer capSource: Axis Bank	Group B (the larger annual transfer allowance)	Group A (a quarter of the Group B allowance); ratios unchanged
28 Aug 2026	Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank	1.5% + GST	3.5% + GST

See this card's change history → · All card changes in September 2026 →

10Cards Similar to Axis Bank Rewards Credit Card

Axis Bank Rewards Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	Axis Bank Rewards Credit Card	HSBC Live Plus Credit Card	SBI Cashback Credit Card
Joining fee	₹1,000 + GST	₹999 + GST	₹999 + GST
Annual fee	₹1,000 + GST	₹999 + GST	₹999 + GST
Rewards	0.32% on most spends; 3.2% only at partner merchants	1.5% base, up to 10% on dining	1% base, up to 5% on online shopping
Domestic lounge	8 visits a year	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Shopping	Dining	Shopping

Compare with HSBC Live Plus Credit Card Compare with SBI Cashback Credit Card

11Explore More

All Axis Bank productsEvery card, loan and account from Axis Bank on SkyloFin Shopping credit cardsEvery shopping card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 15 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

Where do I earn 10X points?

At apparel and department stores, identified by merchant category. The 10X earn has a monthly cap.

What is the welcome benefit?

5,000 bonus EDGE points once you spend ₹1,000 within 30 days of getting the card.

Is the fee waived?

Yes, once you spend ₹2 lakh in the year.

How do lounge visits work?

You get 2 domestic visits a quarter if you spent ₹50,000 in the previous quarter.

What is the joining fee for the Axis Bank Rewards Credit Card?

The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the Axis Bank Rewards Credit Card?

The annual fee is ₹1,000 + GST.

Does the Axis Bank Rewards Credit Card give airport lounge access?

Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

Axis Bank Rewards Credit CardJoining fee: ₹1,000 + GST

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