Axis Bank
Axis Bank Rewards Credit Card
Your rating
Community rating
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate
1.6% – 16%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1.6% – 16%
Earn rate
1.6
Points / ₹100
₹0.2
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026