Axis Bank AURA Credit Card
Axis Bank
Axis Bank AURA Credit Card
Axis Bank
Annual Fee
₹749
Effective Rate
0.20%
Network
VISA
Point Value
₹0.20/pt
About Axis Bank AURA Credit Card
The Axis Bank AURA Credit Card is a standard-tier reward points credit card issued by Axis Bank on the VISA network. It carries an annual fee of ₹749. The card includes complimentary airport lounge access, making it well suited for frequent flyers. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
thumb_downCons
- cancelAnnual fee of ₹749 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.20 — an effective return of 0.20% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹100 |
| All other spends | 3% | 300 pts≈ ₹60 |
| All other spends | 1% | 100 pts≈ ₹20 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Axis Bank rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter via DreamFolks
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
~₹3,000/yr value
Health & Wellness Offers
Discounts on fitness centres, spas and wellness programs
~₹2,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | ₹749 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Axis Bank AURA Credit Card.
Ready to apply for Axis Bank AURA Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.