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REWARD POINTS CARD

Axis Bank REWARDS Credit Card

Axis Bank

Earns EDGE REWARD Points on spends, with 10X at apparel and departmental stores up to a monthly limit, plus a welcome benefit, a milestone bonus, 2 domestic lounge visits per quarter and a 1% fuel surcharge waiver on eligible fuel spends.

No points on fuel, rent, wallet, utility, insurance, education, government, toll or gift card spends. 10X applies on up to ₹7,000 a statement month. Lounge access needs ₹50,000 spend in the previous 3 calendar months.

Axis Bank REWARDS Credit Card
ANNUAL FEE
Not stated
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earn 10X EDGE REWARD Points (20 points per ₹125) at apparel and departmental stores, versus 2 points per ₹125 on other eligible spends.
BEST FOR
Included: Usually suits cardholders whose spending is mainly retail and who can reach ₹50,000 spend in 3 months for lounge visits.
Included: May suit spending at apparel and departmental stores, where 10X points apply on up to ₹7,000 a statement month.
Included: May suit those who can reach ₹30,000 net spend in a statement cycle for the 1,500-point milestone bonus.
Included: May suit domestic travellers who spend ₹50,000 in 3 months and want 2 lounge visits per quarter.
Limitation: Less suited to spends on fuel, rent, wallets, utilities, insurance, education may wish to compare other cards.
Limitation: Those whose spends are mainly fuel, rent, utilities or wallet loads may wish to compare other cards.
Limitation: Those who spend abroad often may wish to compare other cards.
Limitation: Those wanting accelerated points beyond ₹7,000 a statement month may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Lounge access is based on eligible spend of ₹50,000 in the previous 3 calendar months.
Condition: EDGE REWARD Points are valid for 3 years from the earning date and may be forfeited 30 days after card closure.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
Not stated
Fee waived at
₹2,00,000 spend in the card anniversary year (excl. rent, wallet load, gift card); cards issued on or after 1 Mar 2023
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per quarter · Set A participating lounges; guests and children pay the lounge's own rate; spend rule waived for card issue month and next 3 months · ₹50,000 eligible spend in the previous 3 calendar months
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank Credit Cards Domestic Airport Lounge Access Program (Set A lounges)
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400–₹5,000 at all fuel stations in India; max ₹400 per statement cycle; GST not refunded
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on transportation & tolls, utilities/certain telecom, insurance, education, government, wallet/wire transfer, rent, fuel, gift cards. Milestone excludes insurance, wallet, rent, cash withdrawal.; Transportation & tolls, utility and certain telecom, insurance, educational institutions, government institutions, wallet/wire transfer, rent, fuel, gift cards
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Earn 10X EDGE REWARD Points (20 points per ₹125) at apparel and departmental stores, versus 2 points per ₹125 on other eligible spends.
Included: Earn 2 EDGE REWARD Points per ₹125 spent, and 10X at apparel and departmental stores on up to ₹7,000 spend per statement month.
Included: Earn 1,500 bonus EDGE REWARD Points on net spends of ₹30,000 per statement cycle; insurance, wallet, rent and cash withdrawal spends are excluded.
Included: ₹150 instant Swiggy discount on a minimum transaction of ₹500, twice per calendar month per card; use code AXISREWARDS.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.