Key Highlights of Axis Reward Credit Card

Following are the key highlights of the Axis Bank REWARDS credit card:

Joining FeeRs. 1,000
Annual FeeRs. 1,000 
Best ForRewards
Benefits Accelerated reward points, complimentary lounge access, offer on Swiggy, insurance benefits, etc.
Welcome Benefit500 EDGE Reward points as welcome benefit
RewardsUnlimited 2X EDGE REWARD points on spending every Rs. 125 and 10X reward points on spending every Rs. 125
Age18 to 70 years
Foreign Currency Transaction Charges3.50% of the transaction value

Axis bank credit card

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/ dishonour 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 coloured photograph.
  • A photocopy of the PAN Card. 
  • Proof of income: Latest Payslip/ Bank Statement/ Form 16/ ITR copy.
  • Residence proof (any one): 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.

How to Apply for Axis REWARDS Credit Card?

You can apply for an Axis REWARDS credit card through MyMoneyMantra.

  • Click on the "Apply Now" button.
  • You will be redirected to the Axis Bank website.
  • Choose "Yes" or "No" for existing or new Axis Bank's customers.
  • Submit the form with the required information.

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Axis Bank Rewards Credit Card FAQs

How can I increase the limit of the Axis REWARDS card?


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

Is the Axis REWARDS credit card free for a lifetime?


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.

How to check the status of the Axis REWARDs credit card application?


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.

Does the Axis REWARDs card provide any lounge access?


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

What are the late payment charges for the Axis REWARDs card?

  • 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.