About Axis Bank Rewards Credit Card
The Axis Bank Rewards Credit Card is a great choice among Best Reward Credit Cards as it lets you earn up to 20 EDGE Reward points for every Rs. 125 spent on your purchases. Along with regular rewards, you also get 1,500 bonus EDGE Reward points every month on achieving the spending milestone, making it suitable for frequent users. Even though the redemption value is up to Rs. 0.20 per point, the card offers multiple ways to redeem your rewards, including cashback, shopping catalogue, and partner airline miles. Apart from rewards, you also get added lifestyle benefits like complimentary airport lounge access, discounts on Swiggy orders, and dining offers at partner restaurants. Overall, this card provides a good mix of rewards and lifestyle perks for everyday spending, making it a useful option under the Axis Bank Credit Card category.
Axis Bank Rewards Credit Card Rewards Program
Reward Earning
- Earn 10X rewards (20 EDGE points per ₹125) on departmental and apparel stores
- Earn 1X rewards (2 EDGE points per ₹125) on all other spends
- 10X rewards applicable on spends up to ₹7,000 per month, after that base rate applies
Reward Redemption
- 1 EDGE Reward Point = Up to ₹0.20 value
- Redeem points for cashback, products, or airline/hotel partner points
- You can also redeem via partner stores or SMS options
Also Read – Best Credit Cards in India 2026
Other Features and Benefits
Welcome Bonus
- Earn 5,000 EDGE Reward Points on spending ₹1,000 within 30 days
Swiggy Offer
- Get ₹150 off twice a month on orders above ₹500
Dining Discount
- Save up to 15% (max ₹500) at partner restaurants
Also Check: Best Dining Credit Cards
Renewal Benefit
- Get membership benefits worth ₹1,000 every year
Milestone Benefit
- Earn 1,500 EDGE Reward Points on monthly spends of ₹30,000
Lounge Access
- 2 free domestic lounge visits per quarter on spending ₹50,000 in last 3 months
Fee Waiver
- Annual fee waived on ₹2 lakh yearly spends
Fuel Benefit
- 1% surcharge waiver up to ₹400 per month
Also Check: Best Fuel Credit Cards
Insurance Cover
| Cover | Amount |
|---|
| Purchase Protection | Up to ₹1 lakh |
| Delay in baggage / loss of documents | USD 300 |
| Loss of baggage | USD 500 |
| Credit Shield | ₹1 lakh |
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 1,000 + Taxes |
| Annual Fee | Rs. 1,000 + Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Rewards Redemption Fee | Nil |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 500: | Nil | | Rs. 501 to Rs. 5,000: | Rs. 500 | | Rs. 5,001 to Rs. 10,000: | Rs. 750 | | More than Rs. 10,000: | Rs. 1,200 |
|
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Document Required For Axis Bank Rewards Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis Bank Rewards Credit Card Highlights
What do we like about this card?
- Get 10X rewards and earn 20 EDGE Reward points per Rs. 125 spent at departmental and apparel stores
- Earn 1X rewards and get 2 EDGE Reward points per Rs. 125 on all other spends
- Enjoy accelerated rewards on spends up to Rs. 7,000 per month in eligible categories
- Get 5,000 EDGE Reward Points as a welcome bonus on spending Rs. 1,000 within 30 days of card issuance
- Enjoy annual renewal benefits worth Rs. 1,000 every year
- Earn 1,500 EDGE Reward Points on reaching monthly spends of Rs. 30,000
- Enjoy 2 complimentary domestic lounge visits per quarter by spending Rs. 50,000 in the previous 3 months
- Get Rs. 150 off on Swiggy orders of Rs. 500 or more, twice every month
- Enjoy up to 15% discount on dining, up to Rs. 500, at partner restaurants in India
- Get annual fee waiver on spending Rs. 2 lakh in a year
- Enjoy 1% fuel surcharge waiver, up to Rs. 400 per month, on fuel spends between Rs. 400 and Rs. 5,000
Things to Know Before you apply
Get this card if:
- You can spend around ₹7,000 on shopping like apparel and departmental stores to earn extra rewards
- You want a simple rewards card with benefits across daily lifestyle categories
- You prefer a low annual fee card with an easy fee waiver option
- You do not need travel or international spending benefits
Pros
- Earn up to 18,000 EDGE Reward Points yearly through milestone benefits
- Get 10X rewards on apparel and departmental store spends
- Easy annual fee waiver with low spending requirement
- Good welcome and renewal benefits
- Save up to ₹300 per month on Swiggy orders
Cons
- Low value on reward redemption
- Lounge access depends on spending condition
- No international lounge access
- Limit on earning accelerated rewards
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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Frequently Asked Questions
The interest rate may vary, but it is usually around 3% to 3.5% per month on outstanding balances.
No, this card does not provide complimentary international lounge access.
Yes, you get 2 complimentary domestic airport lounge visits per quarter, subject to spending conditions.
Yes, the annual fee can be waived if you meet the required yearly spending condition set by the bank.
You can earn bonus EDGE Reward Points when you reach specific monthly spending targets.
Yes, you can withdraw cash from ATMs, but charges and interest will apply from the withdrawal date.
