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REWARDS Credit Card
When you make purchases with a Rewards Credit Card, you can earn rewards which shall help you save money and gain other benefits. Earn welcome benefit, milestone, membership benefits and complimentary lounge access with Axis Bank's REWARDS Credit Card.
Features & Benefits
Welcome benefit
Enjoy 5,000 EDGE REWARDPoints on cumulative net spends of ₹1,000 or above within 30 days of card issuance.
For terms and conditions click here.
Milestone Benefits
- Earn 1,500 EDGE REWARD points on net spends of ₹30,000 per statement cycle.
150 instant discount on Swiggy
- ₹150 instant discount on Swiggy on a minimum Transaction value of ₹500
Complimentary Lounge Access
- Enjoy 2 complimentary lounge access per quarter at select domestic airports with your REWARDS Credit Card.
Fuel surcharge waiver
- Get 1% fuel surcharge on fuel purchases at all fuel stations across India.
Fees & Charges
Fees & Charges
| Fees | Charges |
|---|---|
| Joining Fee | Nil |
| Standard annual Fee (2nd year Onwards) | Nil |
| Add-on card joining fee | Nil |
| Add-on card annual fee | Nil |
| Finance charges | 3.75% per month (55.55% annual) |
| Cash withdrawal fee | 2.5% (Min ₹500) of the Cash Amount |
| Fee for cash payment | ₹175 |
| Card replacement | Nil |
| Duplicate statement fee | Waived |
| Overdue penalty or late payment fee | Nil if outstanding amount is less than ₹500
₹ 500 if outstanding amount is between ₹501 and ₹5,000 ₹750 if outstanding amount is between ₹5,001 and ₹10,000 ₹1000 if outstanding amount is greater than ₹10,001 If the Minimum Amount Due (MAD) is not paid, Late Payment Charges (LPC) will be levied per the existing LPC structure. Additional charges of ₹100 will be levied only if the MAD payment is not made prior to the Payment Due Date (PDD) for two consecutive billing periods. |
| Overlimit penalty | 2.5% of the over-limit amount (Min ₹500) |
| Charge slip retrieval fee | Waived |
| Outstation cheque fee | Waived |
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 |
| Fuel transaction surcharge | 1% of transaction amount (Refunded for fuel transactions between ₹400 and ₹5,000) |
| Foreign currency transaction fee | 3.50% of the Transaction Value |
| Mobile alerts for transactions | Waived |
| Balance enquiry charges | Waived |
| Reward redemption fee | No |
Eligibility for REWARDS Credit Card
Documentation for REWARDS Credit Card
Value Chart
REWARDS Credit Card Value Chart on Annual Spends of ₹2,00,000
| Benefits of REWARDS Credit Card | Annual Spends (₹) | Savings / Value of Axis EDGE REWARD Points (₹) |
|---|---|---|
Welcome Benefit**** | - | 1,000 |
Complimentary access to selected Domestic Lounges (if offer availed 2 times a quarter*) | - | 12,000 |
Swiggy Discounts** | 4,800 | 3,600 |
Rewards on Annual Spends (excluding all restricted categories) | 1,50,000 | 480 |
Accelerated Rewards of 10X | 1,00,000 | 2,880 |
Milestone Benefit*** | - | 900 |
Bouquet of Membership Benefits | - | 1,000 |
Fuel Surcharge^^ | 20,000 | 200 |
Total Annual Savings^ | 22,060 | |
Total Benefits on REWARDS Credit Card is more than ₹22,000 (value chart is for illustrative purpose only)
- *Based on assumption that customer visits lounge 2 times a quarter. Cost of lounge is assumed at ₹1,500
- **Based on assumption that customer orders from Swiggy twice a month of minimum order value of ₹200
- ***Based on assumption that milestone benefit of ₹30,000 per month is achieved 3 times a year
- **** Based on assumption that customer transacts ₹1,000 within 30 days of card issuance
- ^^Valid on transactions between ₹400 and ₹5,000 only. GST charged on fuel surcharge is non-refundable.
- ^The Redemption Value of Each EDGE REWARD Point = ₹0.20
Terms & Conditions
The terms & conditions of Axis Bank Rewards credit card will be updated with effect from 20th June, 2025. Please click here to know more
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