Axis Rewards Credit Card
Axis Bank
last updated: Nov 13, 2025
₹1,000
₹1,000
3.5%
8 visits/yr
Contents
The Axis Rewards Credit Card offers unbeatable rewards for daily shopping and apparel purchases. Enjoy accelerated EDGE reward points, complimentary lounge access, and exclusive partner discounts, making it ideal for avid shoppers seeking value and convenience.
Features of Axis Rewards Credit Card which makes it unique
EDGE Rewards Program
Exclusive rewards program with multiple redemption options
Maximize reward earnings
Dining Delights
Up to 15% off at select partner restaurants
Save on dining expenses
Rewards Structure of Axis Rewards Credit Card
Departmental and Apparel Stores
accelerateddepartmental and apparel stores only
Earn accelerated points on shopping
All Other Spends
baseall eligible spends
Standard earn rate
Milestones of Axis Rewards Credit Card
Monthly Milestone
₹30,000 : 1,500 EDGE reward points
Annual Milestone
₹2,00,000 : Annual fee waiver
Fees & Charges of Axis Rewards Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Fee waived on ₹2,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts.
Lounge Access Benefits with Axis Rewards Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Valid for primary cardholder only
Insurance Coverage with Axis Rewards Credit Card
purchase protection
₹1,00,000Covers purchases made with card
travel document loss cover
USD 300International travel only
Additional Features of Axis Rewards Credit Card
Contactless Payments
Enabled for quick tap and pay
Add-on Cards
Allows up to 3 free add-on cards
Welcome Bonus with Axis Rewards Credit Card
Welcome Bonus: 5,000 EDGE reward points
Bonus Conditions: Applicable on net spends of ₹1,000 or more within 30 days of card issuance
Application Process for Axis Rewards Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Axis Bank portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for Axis Rewards Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Axis Rewards Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Rewards Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN card required.
How Approval Is Decided
- Minimum income ₹25,000/month
- Indian resident
- Credit score above 700
Pros of Axis Rewards Credit Card
- High rewards on shopping
- Complimentary lounge access
- Attractive milestone rewards
Cons of Axis Rewards Credit Card
- Higher forex markup compared to peers
- Welcome bonus requires minimum spend within 30 days
Frequently Asked Questions about Axis Rewards Credit Card
Is there a joining fee?
Yes, ₹1,000, waived on spending ₹2,00,000 annually.
What rewards do I earn?
Earn 10X EDGE points on departmental and apparel stores and 2X on other spends.
Are fuel surcharge waivers available?
Yes, 1% fuel surcharge waiver up to ₹400 per statement cycle.
How can I redeem reward points?
Redeem via Axis Bank Rewards app or online store.
Is lounge access complimentary?
Yes, enjoy 2 complimentary domestic lounge visits per quarter.
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