AURA Credit Card - Apply for Axis Bank AURA Credit Card Online

Descriptions	Charges
Joining fee	₹749
Annual Fee	2nd year onwards: ₹749
Add-on card joining fee	Nil
Add-on card annual fee	Nil
Card replacement fee (lost or stolen or re-issue)	Nil
Cash payment fee	₹175
Duplicate Statement fee	Waived
Charge slip retrieval fee or copy request fee	Waived
Outstation cheque fee	Waived
Mobile alerts for transactions	Free
Hotlisting charges	Nil
Balance enquiry charges	Waived
Finance/Interest Charges	3.75% per month (55.55% per annum)
Cash withdrawal fees	2.5% (Min. ₹500) of the cash amount
Overdue penalty or Late payment fees	Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000 The current late payment fee structure continues to apply. An additional ₹100 charge will be levied if the 'Minimum Amount Due (MAD) is not paid for two consecutive cycles and will apply until the MAD is cleared
Over limit penalty	2.5% of the over limit amount (Min ₹500)
Cheque return or dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. ₹500
Surcharge on purchase or cancellation of railway tickets	As prescribed by IRCTC/Indian Railways
Foreign currency transaction fee	3.5% of the transaction value
G.S.T	As per existing government norms
Reward Redemption fee	Yes
Rent Transaction Fee	1% fee per transaction will be applicable on each rental transaction. Taxes will be applicable as notified by Government of India.
Dynamic Currency Conversion Markup	1.5% of transaction amount + taxes (Applicable on International transactions performed in Indian currency at International location or transactions performed in Indian currency with merchants located in India but registered in foreign nation)
Education Payment Charges	1% fee per transaction will be applicable on education payments made via third party apps
Wallet Load Transaction Fee	1% fee will be applicable on cumulative spends of ₹10,000 or more on wallet loads per statement cycle
Fuel Transaction Fee	1% fee will be applicable on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle
Utility Transaction Fee	1% fee will be applicable on cumulative spends of ₹25,000 or more on utilities per statement cycle
Online Skill-Based Gaming Transaction Fee	1% fee will be applicable on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle