Axis Bank Rewards Credit Card
The Axis Bank Rewards Credit Card earns EDGE Reward Points on every spend — 10x points on online shopping and 5x on offline retail, redeemable via the EDGE Rewards catalogue, gift vouchers, or Axis Bank statement credit.
Online Shopping Fit Score
84/100
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
1.6 – 16
1.6 pts/₹100 · ₹0.2/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
15/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Axis Bank Rewards Credit Card Benefits
Axis Bank Rewards Credit Card Rewards
How you earn back on every swipe
points
Reward type
1.6% – 16%
Earn rate
1.6
Points / ₹100
₹0.2
Per point
Axis Bank Rewards Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Axis Bank Rewards Credit Card Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
Things to Keep in Mind
- rent transactions not eligible for annual fee waiver
- wallet load transactions not eligible for annual fee waiver
- fuel transactions earn no reward points
- excluded MCCs for base rewards
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹1,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Axis Bank Rewards Credit Card Eligibility
Employment type
Pros & Cons
- 10x EDGE Reward Points on online shopping
- 5x points on offline retail purchases
- 2 complimentary domestic lounge visits per quarter
- Points redeemable for flights, hotels, vouchers
- Annual fee waived on ₹2L annual spend
- Point value (₹0.20/point) is moderate
- Complex redemption portal
- No direct cashback option
Who is this card for?
Individuals who prefer reward points over cashback and want flexibility to redeem points for flights, vouchers, or merchandise. Good for spends of ₹25,000+/month.
Quick Links
Data last updated 12 Aug 2026
Calculate your exact earnings with Axis Bank Rewards Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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