Axis Bank Credit Card

1. Key Highlights: This is one of the best-known Axis Bank cashback credit cards that offers unlimited cashbacks, dining offers, waiver on fuel surcharges, and complimentary lounge access. 

1. Joining fee: Rs.499 one time only (refunded if spending Rs.10,000 within 45 days on select channels)  

1. Annual fee: Rs.499 (refunded if Rs.2 lakh of spending each year, excluding rent and wallet spending) 

1.  Cashback: 

1. 5% cashback on bill payments and mobile/DTH recharges via Google Pay (only on Android) 

1. 4% cashback on Swiggy, Zomato, and Ola 

1. 1.5% cashback on all other eligible spending 

1. Rs.500 combined monthly limit including both the 5% and 4% categories 

1. Fuel surcharge waiver of 1% of fuel spending from Rs.400 to Rs.4000 (with a maximum of Rs.500 per statement). Fuel spending will not earn cashback. GST on surcharge will not be refunded. 

1. Complimentary lounge access: 4 domestic visits per year (lounge access is free if Rs.50,000 is spent in the prior 3 months or for new cardholders in the first 3 months)  

1. Dining Delights program: Up to 20% dining discounts (EazyDiner bookings) 

1. EMI conversion available on purchases over Rs.2,500 via bank app or customer care. 

1. Fees: Monthly interest of 3.75%, 2.5% cash advance fee (minimum Rs500), late payment fee, over-limit fee, foreign currency mark-up at 3.5% + GST.  

1. Cashback will automatically be credited to your account as a statement adjustment with no need for redemption. 

Flipkart Axis Bank Credit Card

Key Highlights: In addition to welcome benefits across all categories—entertainment, travel, lifestyle, and shopping—these cards also offer various cashback rewards. There is no maximum limit on these benefits, and the cards are available to all Indian citizens and non-citizens between the ages of 18 and 70 years.

1. Joining fee: Only once Rs.500 

1.  Annual fee: Rs.500, waived if spend in an annual cycle is > Rs.3,50,000 

1.  Welcome benefit: Rs.1,100 worth of benefits on activation of the card 

1.  Cashback benefits: 

1. 5% Cash back on Flipkart spends 

1. 4% Cash back on preferred merchants 

1. 1.5% Cash back on all other spends 

1. No cashback on fuel transactions 

1. Fuel surcharge waiver: 1% fuel surcharge waiver on fuel spends between 400 and Rs.4,000, maximum Rs.500 per statement, and please note GST on fuel surcharge is not refundable. 

1. Complimentary lounge access: 4 times in a calendar year to domestic lounges. 

1. Dining offer: 20% discount at restaurant partners which can be redeemed when paying with the card. 

1. Emi conversion: Available on purchases above Rs.2,500 through a bank app or customer care. 

1. Fees and charges: 

1. Interest on your outstanding balance: 3.75% per month 

1. Cash advance charges: 2.5% with FV of ₹500 

1. Late payment charges, over-limit charges applicable. 

1. Foreign Currency Mark-up fee of 3.5% plus GST. 

1. Cashback credit: cashback will automatically show up as a statement cut on your card and does not need to be redeemed.

Axis Bank NEO Credit Card

Key Highlights: Consumers who use their Axis Bank NEO credit card can get discounts from a number of retailers, including Amazon, Blinkit, Zomato Pro, Myntra, and BookMyShow. provides meal specials and 15% off savings at affiliated eateries.

1. Joining fee: Rs. 250  

1. Annual fee: Rs. 250  

1. Activation Benefits: Rs. 300 cashback on first utility bill payment in 30 days of issuance of card  

1. Discounts and Cashback:

1.  5% discount on utility bills through Amazon pay (max Rs. 150 limit on utility bill payment per month ) 

1.  40% discount on Zomato (2 times a month, min Rs. 200, max Rs. 120 Rs limit per order) 

1. Discount up to Rs. 250 on Blinkit (once a month, min spending Rs. 750) 

1. 15% discount at partner restaurants  

1. Zero liability if card is lost 

1. Mastercard Shop - (Get exclusive discounts and offers) 

1. Earn EDGE Reward points for transactions,  

1. Option to convert transactions into EMIs 

Axis Bank My Wings Credit Card

Key Highlights: Axis Bank My Wings credit cards are perfect for travelers, offering complimentary lounge access and cashback on bus tickets, IRCTC bookings, domestic flights, and railway tickets.

1. Joining fee: Rs.1,200 (onetime)  

1. Annual Fee: Rs.500 from the second year onwards; first year is free  

1. Rs.400 cashback per car booking on ezeego1.com when using the promo code  

1. Rs.100 discount on bus ticket bookings on ezeego1.com,  

1. Fuel surcharge waiver at the fuel stations when shopping with My Wings credit card,  

1. Rs.25 discount on tickets booked with IRCTC,  

1. Cashback on domestic flight bookings: Rs.500 on return tickets, Rs.1,500 on international return tickets,  

1. Cashback on hotel bookings: Rs.1,000 on domestic hotels, Rs.1,500 on international hotels,  

1. Cashback on holiday bookings: Rs.2,500 on domestic holidays, Rs.3,000 on international holidays,  

1. 20% cashback on domestic flight bookings,  

1. Free lounge access at select airports,  

1. EMI convertion on transactions,  

1. Free base fare flight tickets redeemed by cardholders.

Axis Bank SELECT Credit Card

Key Highlights: These axis bank select credit cards come with maximum lifestyle benefits complimentary Amazon e-voucher, discounts on food and groceries, complimentary Priority Pass lounge visits, Golf rounds across locations, and many more.

1. Joining fee: Rs.3,000 one-time only (waived for Burgundy customers) 

1. Annual fee: Rs.3,000 (waived if Rs.6 lakh is spent in the card anniversary year 

Welcome benefit:

1. Rs.2,000 Amazon voucher on card activation 

Rewards: 

1. 10 EDGE Reward Points per Rs.200 on regular spends 

1. 20 EDGE Reward Points per Rs.200 on retail shopping (up to Rs.20,000 per month; then 10 points per Rs.200) 

1. Reward Points not applicable on fuel, rent, wallet loads, insurance, utilities, and government payments 

Lounge access: 

1. 2 complimentary domestic airport lounge visits per quarter 

1. 12 international lounge visits per year via Priority Pass (requires 4 prior international transactions) 

1. Additional 6 domestic lounge visits and 3 golf rounds on Rs.3 lakh annual spend 

Dining & lifestyle: 

1. Up to 40% off (max Rs.200) on Swiggy orders, twice per month (min spend Rs.500) 

1. Rs.500 off on BigBasket orders (once a month; min spend Rs.2,500) 

1. Buy-one-get-one offer on BookMyShow (max Rs.300 per month) 

1. Complimentary spa visit once per year + 40% off subsequent visits at select spas 

Other benefits: 

1. Mastercard World Tier benefits including global offers 

1. Complimentary rounds of golf based on annual spends 

1. Concierge service and 24x7 customer assistance 

Fees & charges: 

1. Monthly interest: 3.4% 

1. Foreign currency markup: 3.5% 

1. Rent payment fee: 1% (max Rs.1,500 per transaction) 

1. Fuel surcharge waiver: Not available 

1. No rewards on fuel transactions or wallet loads 

Reward redemption: 

1. EDGE Rewards can be redeemed on the Axis EDGE platform for vouchers, merchandise, and more 

Axis Bank Vistara Signature Credit Card

Key Highlights: Customers who use an Axis Bank Vistara Signature credit card are eligible for a complimentary Club Vistara Silver membership. provides the advantage of a free premium economy ticket with the payment of a charge.

1. Joining fee: Rs.3,000 (one-time, includes welcome ticket and Silver membership) Annual fee: Rs.3,000 (waived for Burgundy customers) 

1. Welcome benefit: One complimentary Premium Economy flight ticket (on fee payment)  Club Vistara membership: Complimentary Club Vistara Silver membership 

Maharaja Points: 

1. 4 points per Rs.200 on all eligible spending 

Milestone rewards: 

1. 1 Premium Economy ticket on spend of Rs.1.5 lakh 

1. Additional flight vouchers on reaching spends of Rs.3 lakh, Rs.4.5 lakh, and Rs.9 lakh in an anniversary year 

Complimentary lounge access: 

1. 2 domestic airport lounge visits per year 

Lifestyle privileges: 

1. 3 complimentary golf rounds per year 

1. Up to 20% discount on dining via EazyDiner 

1. Exclusive lifestyle & travel offers through Visa Signature 

Travel insurance: 

1. Lost travel documents cover up to USD 300 

1. Loss/delay of checked-in baggage up to USD 300 

1. Purchase protection cover up to Rs.1 lakh 

EMI conversion: 

1. Available for transactions above Rs.1,500 via bank app or customer care 

Fees: 

1. Monthly interest: 3.75% 

1. Cash advance fee: 2.5% (minimum Rs.500) 

1. Foreign exchange mark-up: 3.5% + GST 

1. Late payment, over-limit, and other standard charges as applicable 

Reward redemption: 

1. Maharaja Points redeemable for Vistara flights and upgrades via Club Vistara

Axis Bank My Zone Credit Card

Key Highlights: These axis bank my zone credit cards come with multiple benefits including complimentary lounge access, OTT benefits, discounts on Swiggy, and many more.

1. Joining fee: Rs.500 one-time (waived if you spend Rs.5,000 within 45 days of card issuance) 

1. Annual fee: Rs.500 from the second year onwards (no fee if waived as part of promotional offers) 

Features & Benefits: 

1. Dining discounts: Up to 15% off (maximum Rs.500) once per month at partner restaurants via EazyDiner (minimum bill of Rs.2,500) 

1. Swiggy offer: Rs.120 off on food delivery, twice a month on minimum order of Rs.500 

1. SonyLIV benefit: Complimentary 1-year SonyLIV Premium subscription 

1. Ajio shopping offer: Up to Rs.1,000 off on purchases above Rs.2,999 

1. Movie offer: Buy-one-get-one-free ticket on the District app (maximum Rs.200 per month) 

1. Lounge access: 4 complimentary domestic airport lounge visits per calendar year 

1. Fuel surcharge waiver: 1% waiver on transactions between Rs.400 and Rs.4,000 (maximum waiver of Rs.400 per statement cycle). Fuel spends do not earn cashback. GST on the surcharge is not refunded. 

1. EMI facility: Purchases above Rs.1,500 are eligible for EMI conversion via Axis Bank channels 

Fees & Charges: 

1. Interest charges: 3.75% per month (approx. 45% annually) 

1. Cash withdrawal fee: 2.5% of the amount (minimum Rs.500) 

1. Cash payment at branch: Rs.175 per transaction 

1. Late payment and over-limit fees: As per billing slab 

1. Foreign currency markup: 3.5% on international transactions 

1. Other charges: Applicable on rent payments, wallet reloads, and education-related spends 

Axis Bank Magnus Credit Card

Key Highlights: These axis bank magnus credit cards come with multiple lifetsyle, health and wellness, travel benefits along with other benefits.

1. Joining fee: Rs.1,2500 (one-time) 

1. Annual fee: Rs.1,2500 (waived on spending Rs.15 lakh or more in a year) 

Cashback / Rewards: 

1. 12 EDGE Reward Points per Rs.200 spent (up to Rs.1.5 lakh/month) 

1. 35 EDGE Reward Points per Rs.200 spent beyond Rs.1.5 lakh in a month 

1. Welcome benefit: Domestic flight, luxury hotel, or Yatra voucher worth Rs.12,500 on first transaction within 30 days 

Travel & Lifestyle Benefits: 

1. Complimentary unlimited domestic lounge access (for first 3 months, and subsequently if Rs.50,000 spent in previous 3 months) 

1. Complimentary international lounge access via Priority Pass 

1. Up to 30% off dining at over 4,000 partner restaurants via EazyDiner (Dining Delights programme) 

1. Complimentary concierge assistance for travel, dining, and entertainment 

1. Travel insurance and purchase protection coverage 

1. Complimentary airport pick-up/drop once a year on meeting spend criteria 

Fuel & EMI Benefits: 

1. 1% fuel surcharge waiver on transactions between Rs.400 to Rs.4,000 (max Rs.400 per month) 

1. No cashback or EDGE points on fuel transactions 

1. EMI conversion available on transactions above Rs.1,500 

Fees & Charges: 

1. Interest: 3% per month on outstanding balances 

1. Cash withdrawal: No withdrawal charges 

1. Forex markup: 2% on international transactions 

1. Rent payment processing fee: 1% per transaction (max Rs.1,500) 

1. Dynamic currency conversion (DCC) markup: 1% + GST 

1. Late payment, over-limit, and other standard fees as applicable 

Cashback Redemption: 

1. EDGE Reward Points can be redeemed for travel, merchandise, vouchers, and more via the EDGE portal 

1. No redemption required for vouchers; sent automatically as welcome benefit 

Axis Bank Reserve Credit Card

Key Highlights: These axis bank reserve credit cards ensure limitless comfort and extraordinary travel experience by providing complimentary concierge services and airport transfers.

Joining Fee: Contact the bank

Annual Fee: Contact the bank

Features and Benefits:

1. Offers membership of Marriott Hotel club and Accor Plus
2. Provides 50 golf rounds every year
3. On card activation and renewal, users will earn 5000 EDGE reward points

Axis Bank Atlas Credit Card

Key Highlights: These axis bank atlas credit cards come with a host of benefits including tiered, annual, milestone, and welcome benefits that enhance your travel experience.

1. Joining Fee: Rs.5,000 + GST (one-time) 

1. Annual Fee: Rs.5,000 + GST. Waived if annual spending exceeds Rs.25 lakh 

EDGE Miles Rewards: 

1. 5 EDGE Miles per Rs.100 spent on: 

1. Flights, hotels, and holiday bookings via Axis Bank Travel EDGE 

1. Other eligible travel spends (up to Rs.2 lakh per month) 

1. 2 EDGE Miles per Rs.100 spent on all other eligible categories 

1. Welcome Benefit: 2,500 EDGE Miles on first transaction within 30 days 

Airport & Travel Benefits: 

1. Priority Pass membership for primary cardholder 

1. Complimentary lounge access (domestic via Dreamfolks; international via Priority Pass) 

1. Travel insurance (covering loss of documents or baggage up to USD 500) 

Other Key Features: 

1. Fuel surcharge waiver: 1% on transactions between Rs.400–Rs.4,000 (max waiver Rs.400 per statement) 

1. EMI conversion: Available for eligible spends via Axis Bank app or customer care 

1. Forex markup: 2% + GST 

1. No cash withdrawal charges 

1. Interest rate: 3% per month on outstanding balance 

1. Rent payment charge: 1% + GST 

1. Dynamic currency conversion charge: 1% + GST (on international POS transactions in INR) 

Reward Redemption: 

1. Redeem EDGE Miles on Axis Bank Travel EDGE portal 

1. Convert EDGE Miles to partner airlines/hotels (2 EDGE Miles = 1 partner point/mile) 

1. EDGE Miles valid for 36 months from the date of credit 

Eligibility to Apply for Axis Bank Credit Card

The following are the eligibility criteria to apply for Axis Bank credit cards:

1. Primary cardholders should be within the age limit of 18 to 70 years.
2. Should be an Indian resident
3. Add-on card holders must be above the age of 15 years.

Documents Required to Apply for Axis Bank Credit Card

The following are the documents that are required to apply for Axis Bank credit cards:

1. PAN Card photocopy or Form 60
2. Income Proof: Form 16/ Latest Payslip/IT Return copy
3. Residence Proof: Passport/ Ration Card/ Electricity Bill/ Landline Telephone bill

How to Apply for Axis Bank Credit Card?

The following are the steps to apply for Axis Bank credit card:

Step 1: Visit the official website of Axis Bank

Step 2: Click on 'Apply Credit Card' option. New page will open, asking whether you are existing Axis Bank customer or not

Step 3: Click on 'Yes', if you are existing customer and fill in the required details, such as:

• Mobile number
• Customer ID
• Date of birth or PAN

Step 4: Verify your eligibility and look for applicable offers

Step 5: Complete the application and submit to apply for a particular credit card

Step 6: Click on 'No', if you are not an existing Axis Bank customer and fill in the details, such as:

• Mobile number
• PAN number
• Pincode
• Net annual income

Step 7: Click on 'Next' to complete the application

Step 8: OTP will be sent to your registered mobile number

Step 9: Complete verification after entering the mobile number

Step 10: Check the applicable offers available for the selected credit card

How to Earn and Redeem Axis Bank Reward Points?

Here are the steps to redeem Axis Bank reward points:

Online

The following are the steps to redeem Axis Bank reward point through online modes:

Step 1: Log into the Axis Bank online banking website

Step 2: Enter the login ID and password

Step 3: Visit the reward store and click on 'Redeem Now' option

Step 4: Choose items that you want to purchase by browsing the store for vouchers, offers, services, or products available

Step 5: Select the items that you want to purchase from the basket

Step 6: Confirm the redemption by accepting the terms and conditions

Offline

Here are the steps to redeem Axis Bank reward points through offline modes:

Step 1: Visit the official website and go to Axis Bank reward store

Step 2: Select the products you want to purchase

Step 3: Call on the customer care service numbers

Step 4: Provide your credentials to the customer care executive and place your order using your Axis Bank credit card

Axis Bank Credit Card Customer Care Number

Customers can contact Axis Bank credit card customer service at 1860-419-5555 or 1860-500-5555 with any questions or concerns they may have about credit card offers, statements, bill payment, outstanding balances, or other information.

Different Categories of Credit Cards Offered by Axis Bank

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>