Axis Bank Credit Cards

 Cashback:

• Joining fee: Rs.499. Annual fee: Rs.499.
• 5% cashback on bill payments and mobile/DTH recharges via Google Pay

• 4% cashback on Swiggy, Zomato, and Ola 

• 1.5% cashback on all other eligible spending 

• Fuel surcharge waiver of 1% of fuel spending from Rs.400 to Rs.4000 (with a maximum of Rs.500 per statement). Fuel spending will not earn cashback. GST on surcharge will not be refunded. 

• Complimentary lounge access: 4 domestic visits per year (lounge access is free if Rs.50,000 is spent in the prior 3 months or for new cardholders in the first 3 months)  

• EMI conversion available on purchases over Rs.2,500 via bank app or customer care. 

Flipkart Axis Bank Credit Card

Key Highlights: In addition to welcome benefits across all categories—entertainment, travel, lifestyle, and shopping—these cards also offer various cashback rewards. Cashback on Myntra, Flipkart and Cleartrip is capped per statement quarter, and the card is available to residents of India between the ages of 18 and 70 years.

• Joining fee: Only once Rs.500 

• Annual fee: Rs.500, waived if spend in an annual cycle is more than Rs.3,50,000. 

Welcome Benefits 

New cardholders can enjoy exclusive offers after activating and using the card. 

• Rs.250 Flipkart Voucher on making the first transaction within 30 days of card issuance.  

• 50% Discount (up to Rs.100) on the first Swiggy order for new customers using the promo code AXISFKNEW.  

Cashback Benefits 

Earn accelerated cashback across popular shopping, travel, and lifestyle categories. 

• 7.5% Cashback on Myntra purchases (up to Rs.4,000 per quarter).  

• 5% Cashback on Flipkart and Cleartrip spends (up to Rs.4,000 per quarter for each merchant).  

• Unlimited 4% Cashback on preferred merchants, including:  

• PVR  

• Swiggy  

• Uber  

• Unlimited 1% Cashback on all other eligible transactions.  

Fuel Surcharge Waiver 

Save on fuel expenses with surcharge waiver benefits. 

• 1% Fuel Surcharge Waiver on transactions between Rs.400 and Rs.4,000.  

Dining Benefits 

Enjoy discounts at a wide network of partner restaurants. 

• Up to 15% Discount through the Dining Delights programme.  

EMI Conversion Facility 

Manage large purchases more conveniently with EMI options. 

• Convert transactions above Rs.2,500 into easy monthly instalments.  

• EMI conversion can be requested through phone banking.  

Annual Fee Waiver 

The annual fee can be waived by meeting the spending criteria. 

• Annual Fee Waiver on annual card spends of Rs.3.5 lakh or more.

Fees and charges:  

Interest on your outstanding balance: 3.75% per month  

Cash advance charges: 2.5% with FV of Rs.500  

Late payment charges, over-limit charges applicable.  

Foreign Currency Mark-up fee of 3.5% plus GST.  

Cashback credit: cashback will automatically show up as a statement cut on your card and does not need to be redeemed. 

Axis Bank NEO Credit Card

Key Highlights: Consumers who use their Axis Bank NEO credit card can get discounts from a number of retailers, including Zomato, Blinkit, Cleartrip, Paytm, and BookMyShow.

• Activation Benefits: Rs. 300 cashback on first utility bill payment in 30 days of issuance of card  

• Discounts and Cashback:

•  5% discount on utility bills through Paytm (max Rs. 150 limit on utility bill payment per month ) 

• Flat Rs.120 discount on Zomato food delivery (2 times a month, minimum item total Rs.499) 

• Discount up to Rs. 250 on Blinkit (once a month, min spending Rs. 750) 

• 7% discount on domestic and international flight bookings. 

• 18% discount on hotel bookings up to Rs.4000. 

• Zero liability if card is lost 

• Earn EDGE Reward points for transactions,  

• Option to convert transactions into EMIs 
  

Axis Bank My Wings Credit Card

Key Highlights: Axis Bank My Wings Credit Card are perfect for travellers, offering complimentary lounge access and cashback on bus tickets, IRCTC bookings, domestic flights, and railway tickets.

Note: Axis Bank's official terms confirm that all travel, hotel, flight and Ezeego cashback offers on the My Wings Credit Card lapsed on 20 April 2019; only the IRCTC railway ticket cashback below remains active. The flight, hotel, holiday, bus and car rental benefit blocks below reflect the card's original, now-expired terms. 

• Joining fee: Rs.1,200 (onetime)  

• Annual Fee: Rs.500 from the second year onwards; first year is free  

Airport Lounge Access

Relax before your journey with complimentary lounge access.

• 1 Complimentary Domestic Airport Lounge Visit per Quarter
• Valid at select airport lounges across India.

Railway Ticket Benefits

Enjoy savings on train ticket bookings.

• Rs.25 Discount on every online railway ticket booking.
• Maximum benefit of Rs.25 per transaction.
  

Dining Benefits

Enjoy discounts at participating restaurants across India.

• Minimum 15% Discount through the Dining Delights programme.
• Available at partner restaurants nationwide.
• 4 Reward Points for every Rs.200 spent on eligible transactions.

Fuel Surcharge Waiver

Reduce fuel expenses with surcharge waiver benefits.

• 1% Fuel Surcharge Waiver at fuel stations across India.
• Applicable on transactions between Rs.400 and Rs.4,000.
  
• GST charged on the fuel surcharge is not refundable.

Additional Benefits

The card also offers convenience and security features.

• EMI Conversion Facility for purchases above Rs.2,500.
• EMV Chip Security for enhanced protection against counterfeit and skimming fraud.
  
• 10% Discount on Swiggy orders every Wednesday.

Axis Bank SELECT Credit Card

Key Highlights: These axis bank select credit cards come with maximum lifestyle benefits complimentary Amazon e-voucher, discounts on food and groceries, complimentary Priority Pass lounge visits, Golf rounds across locations, and many more.

• Joining fee: Rs.3,000 one-time only (waived for Burgundy customers) 

• Annual fee: Rs.3,000 (waived if Rs.8 lakh is spent in the card anniversary year 

Welcome Benefits

New cardholders can earn bonus rewards upon activating and using the card.

• 10,000 EDGE Reward Points worth Rs.2,000 on the first transaction within 30 days of card issuance.
• Welcome benefit is not applicable to lifetime free credit card holders.

Airport Lounge Access

Enjoy complimentary domestic and international lounge access while travelling.

• Priority Pass Membership with up to 12 complimentary international lounge visits.
• Up to 8 Complimentary Domestic Lounge Visits per year (maximum 2 per quarter).
• Domestic lounge access is available on achieving Rs.50,000 spends in the previous 3 months.
• For newly issued cards, the spend requirement is waived during the month of issuance and the following 3 months.

Shopping and Dining Discounts

Save more on everyday purchases through partner merchant offers.

• BigBasket Offer: Flat Rs.500 instant discount per month on purchases of Rs.2,500 or more.
• Swiggy Offer: Flat Rs.200 instant discount on orders worth Rs.1,000 or more, available twice per month.

Reward Points and Lifestyle Privileges

Earn accelerated rewards and enjoy premium lifestyle benefits.

• 10 EDGE Reward Points for every Rs.200 spent on eligible transactions.
• 2X EDGE Reward Points on retail shopping spends.
  

Annual Benefits

Cardholders can unlock additional privileges by meeting annual spending milestones.

• Annual Fee Waiver on annual spends of Rs.8 lakh or more. 
• Priority Pass Membership Renewal on annual spends of Rs.3 lakh or more.

Axis Bank My Zone Credit Card

Key Highlights: These axis bank my zone credit cards come with multiple benefits including complimentary lounge access, OTT benefits, discounts on Swiggy, and many more.

• Joining fee: Rs.500 one-time (waived if you spend Rs.5,000 within 45 days of card issuance) 

• Annual fee: Rs.500 from the second year onwards (no fee if waived as part of promotional offers) 

Entertainment Benefits

Enjoy complimentary subscriptions and savings on movies.

• Complimentary Annual SonyLiv Premium Subscription worth Rs.1,499. From 1 April 2026, renewal of the SonyLIV subscription on annual spends of Rs.1.5 lakh is discontinued and replaced by 1,000 EDGE REWARD Points on the same spend.
• Buy One Get One Free Movie Ticket on the District app.
• Maximum discount of Rs.200 per calendar month on movie bookings.

Food and Dining Benefits

Save on food delivery and dining experiences.

• Flat Rs.120 Discount on Swiggy orders of Rs.500 or more.
• Offer available twice per month (maximum savings of Rs.240 per month).
• Up to 15% Discount through the Dining Delights programme.
  

Travel Benefits on Cleartrip 

Enjoy a flat 7% discount (up to Rs.2,000) on domestic and international flight bookings and a flat 18% discount (up to Rs.4,000) on hotel bookings. Both benefits are applicable once per use per month. 

Airport Lounge Access

Travel comfortably with complimentary lounge privileges.

• 4 Complimentary Domestic Airport Lounge Visits per year.

Reward Points

Earn reward points on eligible transactions.

• 4 EDGE Reward Points for every Rs.200 spent.

Reward points are not applicable on:

• Fuel transactions
• Movie transactions
• Insurance payments
• Wallet loads
• Rent payments
• Utility bill payments
• Education-related payments
• Government transactions
• EMI transactions

Fuel Benefits

Reduce fuel expenses with surcharge waiver benefits.

• 1% Fuel Surcharge Waiver at petrol pumps across India.
• Applicable on transactions between Rs.400 and Rs.4,000.

Fees & Charges:  

Interest charges: 3.75% per month (55.55% p.a.)

Cash withdrawal fee: 2.5% of the amount (minimum Rs.500)  

Cash payment at branch: Rs.175 per transaction  

Late payment and over-limit fees: As per billing slab  

Foreign currency markup: 3.5% on international transactions  

Other charges: Applicable on rent payments, wallet reloads, and education-related spends  

Axis Bank Magnus Credit Card

Key Highlights: These axis bank magnus credit cards come with multiple lifestyle, health and wellness, travel benefits along with other benefits.

• Joining fee: Rs.12,500 (one-time) 

• Annual fee: Rs.12,500 (waived on spending Rs.25 lakh or more in a year) 

Welcome Benefits

New cardholders can enjoy premium welcome rewards upon activating and using the card.

• Voucher Worth Rs.12,500 on card activation and first transaction within 30 days.
• Choose from: Luxe Gift Card The Postcard Hotels Gift Voucher Yatra Gift Voucher
  • Luxe Gift Card
  • The Postcard Hotels Gift Voucher
  • Yatra Gift Voucher

Reward Points Programme

Earn accelerated rewards across everyday and travel spends.

• 12 EDGE Reward Points for every Rs.200 spent on monthly spends up to Rs.1.5 lakh.
• 35 EDGE Reward Points for every Rs.200 spent above Rs.1.5 lakh in a calendar month.
• 5X Reward Points on bookings made through the Travel EDGE portal.
• 60 EDGE Reward Points per Rs.200 spent on Travel EDGE transactions up to prescribed limits.
• Transfer Reward Points to 20 travel and airline partners.

Airport Lounge Access

Travel in comfort with premium lounge privileges.

• Unlimited Complimentary Domestic Airport Lounge Access on spends of Rs.50,000 in the previous 3 calendar months (waived for newly issued cards in the month of issuance and the next 3 months).
• Unlimited International Lounge Visits with Priority Pass Membership.
• 4 Complimentary International Guest Lounge Visits per year.

Hotel and Travel Benefits

Enjoy exclusive savings on travel and hospitality bookings.

• 15% Savings on bed-and-breakfast rates at participating Leela Hotels & Resorts (valid till 30 September 2026). 
• Access to premium travel offers through Travel EDGE.
• Travel-focused rewards redemption options.

Dining Benefits

Experience premium dining privileges across India.

• Discount at over 4,000 partner restaurants through the Dining Delights programme.

Insurance Benefits

Stay protected with comprehensive travel and purchase-related coverage.

Fuel Benefits

Save on fuel transactions across India.

• 1% Fuel Surcharge Waiver on transactions between Rs.400 and Rs.4,000.
• Maximum waiver of Rs.400 per month.

Fee Benefits

The card offers preferential charges and annual fee waiver opportunities.

• Annual Fee: Rs.12,500 + applicable taxes.
• Annual Fee Waiver on annual spends of Rs.25 lakh or more.
• 2% Forex Mark-up Fee on international transactions.
• No Cash Withdrawal Charges.
• Lower Interest Rate of 3% per month on revolving credit.

Additional Benefits

Cardholders can enjoy a range of premium lifestyle and travel privileges.

• Access to Luxury Travel and Hospitality Offers.
• Premium Rewards Redemption Catalogue.
• Contactless and Secure Payment Experience.
• Global Acceptance at millions of merchant locations worldwide.

Axis Bank Reserve Credit Card

Key Highlights: These axis bank reserve credit cards ensure limitless comfort and extraordinary travel experience by providing complimentary concierge services.

(complimentary luxury airport transfers were discontinued with effect from 20 April 2024).

Joining Fee: Rs.50,000

Annual Fee: Rs.50,000 (waived on eligible spends of Rs.35 lakh in the preceding card anniversary year)

Features and Benefits:

Airport Lounge Access

Enjoy seamless airport experiences with extensive lounge access benefits.

• Priority Pass Membership with unlimited international lounge visits for primary cardholders.
• 12 Complimentary International Guest Lounge Visits annually.
• Unlimited Domestic Airport Lounge Access for primary and add-on cardholders.
• 12 Complimentary Domestic Guest Lounge Visits annually.

Travel Benefits

Save on international transactions and enjoy premium hotel privileges.

• Low Forex Mark-up Fee: 1.5% on international spends.

Hotel Membership Benefits

Access exclusive discounts, complimentary stays, room upgrades, and dining privileges at premium hotel chains.

Luxury Hotel Offers

Cardholders can enjoy exclusive savings at premium hotel brands.

The Postcard Hotel

• 15% Savings at The Postcard Hotel.
• Flexible check-in and check-out privileges.
• Complimentary Lifestyle Consultation at participating Goa properties.

Golf Benefits

Enjoy premium golfing privileges across India.

• Complimentary golf rounds annually at select golf courses. 

Dining Benefits

Access exclusive dining discounts at premium restaurants.

Entertainment Benefits

Save on movies and entertainment experiences.

Movie Tickets

• Complimentary BookMyShow tickets 

Wellness Benefits

Access health and wellness services at preferential rates.

Financial Benefits

Enjoy lower charges and enhanced convenience.

• No Cash Withdrawal Charges.
• Reduced Finance Charge of 3% per month on revolving credit balances.

Fuel Benefits

Save on fuel transactions across India.

• 1% Fuel Surcharge Waiver on fuel purchases between Rs.400 and Rs.4,000.
• Maximum waiver of Rs.400 per month.

Axis Bank Atlas Credit Card

Key Highlights: These axis bank atlas credit cards come with a host of benefits including tiered, annual, milestone, and welcome benefits that enhance your travel experience.

• Joining Fee: Rs.5,000 + GST (one-time) 

• Annual Fee: Rs.5,000 + GST

EDGE Miles Rewards: 

• 5 EDGE Miles per Rs.100 spent on: 

• Flights, hotels, and holiday bookings via Axis Bank Travel EDGE 

• Direct airline and hotel spends (up to Rs.2 lakh per month) 

• 2 EDGE Miles per Rs.100 spent on all other eligible categories 

• Welcome Benefit: 2,500 EDGE Miles on first transaction within 37 days 

Airport & Travel Benefits: 

• Complimentary lounge visits per year by tier (Silver, Gold, Platinum): 8, 12 and 18 domestic and 4, 6 and 12 international, including guest visits; domestic lounges are accessed by swiping the card.

• Tiered benefits: Silver, Gold and Platinum tier benefits unlock as you reach annual milestone spends of Rs.7.5 lakh and Rs.15 lakh.

Other Key Features: 

• Fuel surcharge waiver: 1% on transactions between Rs.400–Rs.4,000

• EMI conversion: Available for eligible spends via Axis Bank app or customer care 

• Forex markup: 3.5% + GST 

• Cash advance fee: 2.5% (minimum Rs.500)

• Interest rate: 3.75% per month on outstanding balance 

• Rent payment charge: 1% + GST 

• Dynamic currency conversion charge: 3.5% + GST (on international POS transactions in INR) 

Reward Redemption: 

• Redeem EDGE Miles on Axis Bank Travel EDGE portal 

• Convert EDGE Miles to partner airlines/hotels (1 EDGE Mile = 2 partner points, except Marriott where 2 EDGE Miles = 1 Marriott Bonvoy Point)

Eligibility to Apply for Axis Bank Credit Card

The following are the eligibility criteria to apply for Axis Bank credit cards:

• Primary cardholders should be within the age limit of 18 to 70 years.
• Should be a resident of India or a Non-Resident Indian (NRI)
• Add-on card holders must be above the age of 18 years.

Several Axis Bank Credit Card variants also apply a minimum income criterion, which varies by card – for example, the Axis Bank SELECT Credit Card requires a minimum net annual income of Rs.6 lakh, while the Axis Bank Atlas Credit Card requires Rs.12 lakh for salaried applicants and Rs.15 lakh for self-employed applicants. 

Axis Bank's general minimum income requirement for its credit cards is Rs.15,000 per month. 

Documents Required to Apply for Axis Bank Credit Card

The following are the documents that are required to apply for Axis Bank credit cards:

• Age and residence proof: PAN card, Aadhaar card, Passport or Driving licence 
• Income proof: Salary slips or Income Tax Returns 
• Residence proof is covered by the age and residence proof documents listed above. 

How to Apply for Axis Bank Credit Card?

The following are the steps to apply for Axis Bank credit card:

Step 1: Visit the official website of Axis Bank

Step 2: Choose the credit card that fits your needs and click 'Apply Now'. You will be redirected to the online application form, which asks whether you are an existing Axis Bank customer or not

Step 3: Click on 'Yes', if you are existing customer and fill in the required details, such as:

1. Mobile number
2. Customer ID
3. Date of birth or PAN

Step 4: Verify your eligibility and look for applicable offers

Step 5: Complete the application and submit to apply for a particular credit card

Step 6: Click on 'No', if you are not an existing Axis Bank customer and fill in the details, such as:

1. Mobile number
2. PAN number
3. Pincode
4. Net annual income

Step 7: Click on 'Next' to complete the application

Step 8: OTP will be sent to your registered mobile number

Step 9: Complete verification after entering the mobile number

Step 10: Check the applicable offers available for the selected credit card

How to Earn and Redeem Axis Bank Reward Points?

Here are the steps to redeem Axis Bank reward points:

Online

The following are the steps to redeem Axis Bank reward point through online modes:

Step 1: Log into the Axis Bank online banking website

Step 2: Enter the login ID and password

Step 3: Visit the reward store and click on 'Redeem Now' option

Step 4: Choose items that you want to purchase by browsing the store for vouchers, offers, services, or products available

Step 5: Select the items that you want to purchase from the basket

Step 6: Confirm the redemption by accepting the terms and conditions

Offline

Here are the steps to redeem Axis Bank reward points through offline modes:

Step 1: Visit the official website and go to Axis Bank reward store

Step 2: Select the products you want to purchase

Step 3: Call on the customer care service numbers

Step 4: Provide your credentials to the customer care executive and place your order using your Axis Bank credit card

Axis Bank Credit Card Customer Care Number

Axis Bank's credit card customer care number is 1800 419 0065, and its general toll-free customer care numbers are 1800 4030 and 1800 8911.

Customers can contact Axis Bank credit card customer service at 1860-419-5555 or 1860-500-5555 with any questions or concerns they may have about credit card offers, statements, bill payment, outstanding balances, or other information.

Different Categories of Credit Cards Offered by Axis Bank

Summary

Axis Bank offers a wide range of credit cards, from lifetime-free everyday cards to premium travel and lifestyle variants, each built around a different spending pattern such as cashback, travel rewards or dining. Core benefits across the range include fuel surcharge waivers, EMI conversion and reward or cashback earning, with premium cards adding airport lounge access and travel insurance. Compare the fees, benefits and eligibility criteria of each Axis Bank Credit Card above, then apply online through the official Axis Bank website for the variant that best fits your needs. 

Summary

Axis Bank Credit Cards range from everyday cashback cards such as ACE and Flipkart Axis Bank to premium travel and lifestyle cards such as Atlas, Magnus and Reserve. Core benefits across the range include fuel surcharge waivers, EMI conversion and reward or cashback earning, with premium cards adding airport lounge access and insurance cover. Compare the fees, benefits and eligibility of each Axis Bank credit card above, then apply through the official Axis Bank website for the variant that suits you. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

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