Axis Bank Rewards Credit Card
Axis Bank
Axis Bank Rewards Credit Card
Axis Bank
Annual Fee
₹1,000
Effective Rate
0.20%
Network
RUPAY
Point Value
₹0.20/pt
About Axis Bank Rewards Credit Card
The Axis Bank Rewards Credit Card is a entry-tier reward points credit card issued by Axis Bank on the RUPAY network. It carries an annual fee of ₹1,000. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleFuel Surcharge Waiver
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹1,000 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 | 16% | 1600 pts≈ ₹320 |
| All other spends | 1.6% | 160 pts≈ ₹32 |
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
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
~₹2,000/yr value
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹30,000 (MONTHLY)
Monthly Milestone – 1,500 EDGE Points at ₹30K: Earn 1,500 EDGE Reward Points on net spends of ₹30,000 per statement cycle. Points credited within 60 days of statement date.
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 | ₹1,000 |
| 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 Rewards Credit Card.
Ready to apply for Axis Bank Rewards 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.