Axis Rewards Credit Card

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Rewards Credit Card

With the Axis REWARDS credit card, get rewarded every time you shop. This card offers rewards on apparel and department stores with an accelerated reward program along with membership benefits and offers on Swiggy.

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On Axis Bank Website


Updated: 31-05-2024 11:40:03 AM

Key Highlights of Axis Reward Credit Card

Joining Fee Rs. 1,000
Annual Fee Rs. 1,000
Best For Rewards
Benefits Accelerated reward points, complimentary lounge access, offer on Swiggy, insurance benefits, etc.
Welcome Benefit 500 EDGE Reward points as welcome benefit
Rewards Unlimited 2X EDGE REWARD points on spending every Rs. 125 and 10X reward points on spending every Rs. 125
Age 18 to 70 years
Foreign Currency Transaction Charges 3.50% of the transaction value

Features & Benefits of Axis Bank REWARDS Credit Card

The key features and benefits of the Axis Bank REWARDS Card are as follows:

Welcome Benefits

  • 5000 reward points on net spends of Rs. 1,000 or more.
  • The spending must be done within 30 days of card issuance.

Reward Points

  • Unlimited 2X EDGE REWARD points on spending every Rs. 125.
  • 10X reward points on spending every Rs. 125.
  • Accelerated points for spending up to Rs. 7,000 per month on specific categories.
  • Reward points are credited directly to your EDGE account.

Membership Benefits

  • A bouquet of memberships worth up to Rs. 1,000 each anniversary year.
  • The membership link will be sent via SMS to the registered mobile number of eligible customers within 60 days.

Milestone Benefits

  • Get 1,500 EDGE REWARD points of net spends of Rs. 30,000 per statement cycle.
  • The bonus rewards points will be credited to your EDGE account in the subsequent statement.


  • 30% off on food delivery through Swiggy.
  • Use Coupon Code <AXIS30> to avail of the discount.
  • The maximum discount available is Rs. 150 per order.
  • The minimum eligible transaction is Rs. 200 per order.
  • Maximum up to 2 discounts can be availed of in a month.

Complimentary Lounge Access

  • 2 access per quarter to select domestic airport lounges.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on all fuel transactions between Rs. 400 to Rs. 5000.
  • The maximum waiver available is Rs. 400 per statement month.
  • GST charged on fuel surcharge is non-refundable.

Insurance Benefits

  • Purchase Protection Cover of up to Rs. 1 Lakh.
  • Cover of up to USD 300 for the delay in check-in baggage and loss of travel documents.
  • Cover of up to USD 500 for loss in check-in baggage.
  • Credit Shield of Rs. 1 Lakh.

Dining Delights

  • Up to 15% off at partner restaurants in India.
  • Maximum discount available up to Rs. 800.


  • Joining fee: Rs. 1,000
  • Annual fee: Rs. 1,000; Waived off on annual spends of Rs. 2 Lakhs and above.

Axis Bank REWARDS Credit Card Fee & Charges

The Axis Bank REWARDS credit card charges are mentioned below in detail:

  • Joining fee: Rs. 1,000.
  • Annual fee: Rs. 1,000.
  • Joining & annual fees for Add-on card: Nil.
  • Card replacement charges: Nil
  • Cash payment charges: Rs. 100
  • Cash withdrawal charges: 2.5% (minimum Rs. 500) of the withdrawn amount.
  • Finance charges for retail purchases & cash: 3.6% per month (52.86% p.a.).
  • Overdue penalty/ Late payment charges: Up to Rs. 1,000 depending on the outstanding amount.
  • Overlimit penalty: 2.5% of the over-limit amount (minimum Rs. 500).
  • Cheque return/dishonor fee/ auto-debit reversal: 2% of the amount (minimum Rs. 450 & maximum Rs. 1,503).
  • Surcharge on purchase or cancellation of railway tickets: As decided by IRCTC/Indian Railways.
  • Fuel transaction charges: 1% of the transaction amount.
  • Foreign currency transaction fee: 3.50% of the transaction value.

Axis REWARDS Credit Card Eligibility

Following are the Axis REWARDS credit card eligibility criteria in detail:

  • The applicant must be an Indian resident.
  • The applicant must be aged between 18 and 70 years.

The above eligibility criteria are only indicative. The final approval or decline decision of the application is at the sole discretion of Axis Bank.

Axis Bank REWARDS Credit Card Document Required

If you are looking for an Axis Bank REWARDS credit card apply online with the following documents:

  • Duly filled in and signed the application form along with a recent colored photograph.
  • A photocopy of the PAN Card.
  • Proof of income: Latest Payslip/ Bank Statement/ Form 16/ ITR copy.
  • Residence proof (anyone): Passport/ Driving License/ Voter ID Card/ Aadhaar Card.
  • Identity proof (any one): Passport/ PAN Card/ Driving License/ Voter ID Card/ Aadhaar Card.

The above list of documents is only indicative. Documents required may vary on a case-to-case basis.


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xis Bank Rewards Credit Card FAQs

To increase your Axis REWARDS credit card limit, you can place a request if your card is eligible for limit enhancement, otherwise, you will get a message that your card is currently not eligible for limit enhancement.

No. The Axis REWARDS credit card involves a joining and annual fee of Rs. 1,000. However, the annual fee can be waived on annual spending of Rs. 2 Lakhs and above.

You can check the status of your REWARDs Axis credit card by calling the customer care number of the bank and mentioning your application or reference number. The status can also be checked by logging in to your Axis Bank net banking portal where you will see the option to view the status of your application.

Yes, with this card you get 2 complimentary access per quarter to select domestic airport lounges.

  • Nil for total payment due of less than Rs. 500.
  • Rs. 500 for total payment due between Rs. 501 and Rs. 5,000.
  • Rs. 750 for total payment due between Rs. 5,001 and Rs. 10,000.
  • Rs. 1,000 for total payment due above Rs.10,001.