Axis Bank Rewards Credit Card
Axis Bank · Mastercard · Mid card
A focused apparel-and-department-store card with a reachable waiver and useful lounge access.
Regular fashion and department-store shoppers able to reach the annual-fee waiver.
Terms checked 23 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹1,000 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹50,000 per Rolling three calendar months for the following calendar quarter
Spend condition: Spend ₹50,000 in the preceding three calendar months.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Apparel and department-store bonus
Usage-based valueEighteen incremental points plus the two-point base produce twenty points per ₹125 at the ten published MCCs.
Conditions: Eighteen incremental points plus the two-point base produce twenty points per ₹125 at the ten published MCCs.
Other eligible EDGE Reward Points
Usage-based valueTwo EDGE Reward Points per ₹125 on other eligible purchases; base points continue after the fashion-bonus ceiling.
Twenty EDGE Reward Points per ₹125 at eligible apparel and department-store MCCs
Shown without a cash valueTwo points per ₹125 on other eligible purchases
Shown without a cash value1,500 points in each ₹30,000 net-spend statement cycle
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Joining fee
Cost ₹1,000₹1,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
5,000 EDGE Reward Points
Recorded value ₹1,000Welcome points worth ₹1,000 at ₹0.20 each.
Conditions: Complete an eligible transaction of at least ₹1,000 within 30 days of issuance · Not available on lifetime-free issuance
Spend milestones · 1 item
1,500 points at ₹30,000 net statement-cycle spend
1,500 reward unitsUnlocked after ₹30,000 of eligible spending.
Conditions: Reach ₹30,000 per statement cycle
Airport lounge access · 1 item
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹50,000 per rolling three calendar months
Memberships · 1 item
Anniversary bouquet membership with issuer-stated value up to ₹1,000; selection and use determine actual value
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Axis Bank does not publish one universal numeric income threshold for this card.
Other benefits · 2 items
₹150 off eligible Swiggy orders of at least ₹500, up to twice monthly under current code terms
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹400 per statement cycle
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Twenty EDGE Reward Points per ₹125 at eligible apparel and department-store MCCs
- ✓ Two points per ₹125 on other eligible purchases
- ✓ 1,500 points in each ₹30,000 net-spend statement cycle
- ✓ ₹2 lakh annual-fee waiver and two domestic lounge visits quarterly
What to watch
The 10X bonus applies only to specific MCCs and only on the first ₹7,000 per statement cycle. Many regulated categories earn no points or fee-waiver spend.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Rent · Insurance · Government payments · Wallet load · Wire transfer · Gift cards · Transport · Tolls
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 28 Aug 2026