Apply for Axis Bank Kwik Credit Card - No Joining and Annual Fees

Description	Charges
Joining Fee	Nil
Annual Fee	Nil
Card Replacement fee	NA
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
Balance enquiry charges	Free
Finance Charges (Retail purchases and Cash)	3.7% per month (55.55% per annum)
Late payment fees*	Nil if total payment Due is up to ₹500 ₹500 if total payment due is between ₹501 - ₹5000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is ₹10,001 and above Additional INR 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared.
Cash Withdrawal Fee	Min. ₹500 up to 2.5% of the cash withdrawal amount
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
Reward Redemption fee	-Rewards redemption fee of ₹99 per redemption transaction will be applicable on EDGE rewards platform. - Rewards redemption fee of ₹199 per redemption transaction will be applicable for conversion/transfer of EDGE points/miles to other miles partner loyalty programs.
Rent Transaction fee (Applicable from 20th Dec, 2024)	1% fee per transaction will be applicable on rental transactions
Dynamic Currency Conversion markup (Applicable from 5th March 2023)	1.5% will be applicable on international transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation
Wallet load transaction fee (Applicable from 20th Dec, 2024)	1% fee will be applicable for cumulative spends of ₹10,000 or more for wallet loads per statement cycle
Fuel Transaction fee (Applicable from 20th Dec, 2024)	1% fee will be applicable for cumulative spends of ₹50,000 or more on per statement cycle.
Education Transaction fee (Applicable from 20th Dec, 2024)	1% fee per transaction will be applicable on education payments made via third party apps
Utility Transaction fee (Applicable from 20th Dec, 2024)	1% fee will be applicable for cumulative spends of ₹25,000 or more on utilities per statement cycle
Online skill-based gaming fee (Applicable from 20th Dec, 2024)	1% fee will be applicable for cumulative spends of ₹10,000 or more on online skill-based gaming platforms per statement cycle