Axis Rewards credit card

Axis Rewards

Axis Bank · Visa

Axis Rewards Visa is a versatile rewards card with EDGE points on all categories, redeemable for flights, vouchers, and cashback.

Annual Fee

₹1,000

Waived at ₹2.0L spend

Joining Fee

₹1,000

Base Reward Rate

3X

₹0.5/pt

Min CIBIL

700

₹4L+ income

Key Features

Entry-level rewards card with EDGE Rewards on every spend
2X EDGE Rewards on online spends across any merchant
1X EDGE Rewards on all offline and other spends
EDGE Rewards redeemable for vouchers, flights and merchandise
Annual fee waived on ₹1.5 lakh spend
Zero fuel surcharge at all petrol pumps
Contactless payment enabled
Add-on cards available for family

Welcome Benefits

✓

500 EDGE Reward Points on First Spend

Earn 500 EDGE Rewards on your first transaction within 90 days of card activation

✓

Zero Annual Fee for First Year

No annual fee in the first year — start building rewards with zero upfront cost

Reward Rates by Category

Dining

4X

Travel

4X

Online

4X

Shopping

4X

Grocery

3X

Fuel

2X

Utilities

1X

Other

3X

Partner Earn Rates

PartnerCategoryEarn Rate
All Online MerchantsOnline Shopping2X

Milestone Benefits

₹1.5 L

Annual Fee Waiver

Spend ₹1.5 lakhs in a membership year to waive the annual fee for the following year

Annual

Airport Lounge Access

Domestic

2 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover for primary cardholder

₹50 Lakhs

Credit Shield

Dues waived on accidental death

Outstanding balance

Pros

  • EDGE Points on all spends
  • Domestic lounge access
  • Fuel surcharge waiver
  • Annual fee waived on spend
  • Flexible rewards redemption

Cons

  • Annual fee of ₹1,000
  • No international lounge access
  • Basic earning rate

Frequently Asked Questions

What earn rate on online spends?+
2X EDGE Rewards on all online purchases — no merchant restrictions. 1X on offline and other spends.
How to redeem EDGE Rewards?+
Via Axis Bank EDGE Rewards portal for gift vouchers, merchandise, flights and hotel bookings.
Annual fee?+
₹750. Waived on ₹1.5 lakh annual spend.
Good as a starter card?+
Yes — low fee, easy waiver, universal 2X on online and simple 1X elsewhere makes it a solid first credit card.
Can I upgrade later?+
Yes — Axis Bank offers upgrade paths to Privilege, Select or Magnus as your spend profile grows.

Ready to apply?

Apply on the Axis Bank website. Usually takes 10 minutes.

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Axis Rewards

₹1,000/yr · 3X rewards