Axis Kwik Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
Axis KwikCredit Card is a lifetime free RuPay credit card with instant virtual issuance through Kiwi app. It enables seamless UPI transactions and offers rewards on all spends, making it ideal for digital-first users seeking convenience and value.
Features of Axis Kwik Credit Card which makes it unique
Seamless UPI Integration
Link your credit card with UPI for easy transactions
Convenience of credit card rewards combined with UPI payments
Faster and more flexible than physical cards
Rewards Structure of Axis Kwik Credit Card
Base
baseAll merchants
Earn rewards on all spends
Fees & Charges of Axis Kwik Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:No renewal fee applicable
Fee Explanation Standard bank charges apply on overdue amounts. No joining or annual fees.
Detailed Explanation of Axis Kwik Credit Card Fees
Late Payment Fee: ₹750 (per instance)
Standard bank policy
Overlimit Fee: ₹500 (per instance)
When credit limit exceeded
Returned Payment Fee: ₹350 (per instance)
If payment is returned
Forex Fee: 3.5% (transaction)
On international spends
Additional Features of Axis Kwik Credit Card
Virtual Credit Card
Instant issuance via Kiwi app
Activate by linking with UPI
Contactless Payments
Tap and pay enabled
Welcome Bonus with Axis Kwik Credit Card
Welcome Bonus: welcome offers through the Kiwi app
Bonus Conditions: Available on all spends; no joining or annual fees
Application Process for Axis Kwik Credit Card
Processing Time
Instant virtual card upon approval
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Download Kiwi mobile app from App Store or Play Store
Apply for Axis KwikCredit Card within the app
Upload necessary KYC documents
Receive instant virtual card upon approval
Link card with UPI and set UPI PIN
Required Documents for Axis Kwik Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Axis Kwik Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance at RuPay merchants across India
International Acceptance
Accepted internationally with forex charges
Online Acceptance
Yes, accepted on e-commerce platforms
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Kwik Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Indian residents with valid ID proofs
How Approval Is Decided
- Minimum age 18 years
- Resident of India
- Valid KYC documents
Pros of Axis Kwik Credit Card
- Lifetime free credit card without fees
- Instant virtual card on approval
- Easy UPI integration for payments
Cons of Axis Kwik Credit Card
- No physical card option
- Limited reward points value
Frequently Asked Questions about Axis Kwik Credit Card
Is there any joining or annual fee for the Axis KwikCredit Card?
No, the card comes with zero joining and annual fees.
How can I activate my Axis KwikCredit Card?
Activate instantly by linking the virtual card with UPI and setting a UPI PIN via the Kiwi app.
What is the reward rate for this card?
Earn 2 EDGE reward points for every ₹200 spent, equivalent to 1% cashback.
Can I use this card internationally?
Yes, but a forex fee of 3.5% applies on international transactions.
What is the minimum age to apply for this card?
Applicants must be at least 18 years old and be Indian residents.
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