Axis Bank Rewards Credit Card
Axis Bank · Visa
Why this card?
- 0.32% back in reward points on eligible spends
- ₹1,000 joining and annual fee; renewal fee waived on ₹2 lakh yearly spend
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Axis Bank
- Network
- Visa
- Annual Fee
- ₹1,000
- Joining Fee
- ₹1,000
- Reward Type
- points
- Best Reward Rate
- 0.32% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹30,000
- Rates verified
- 2026-10-06
Our verdict
Axis Rewards is an affordable entry into the EDGE loyalty program — ₹1,000/year (waived at ₹2 lakh spend) with 10X points on apparel and department stores (about 3.2% back, on up to ₹7,000 spend a month) is solid for shoppers who want reward points rather than cashback. It includes 8 domestic lounge visits a year but no international access, and suits its target segment well.
Pros
- 10X points on apparel and department stores — about 3.2% back, capped at ₹7,000 spend a month
- 8 domestic lounge visits a year at a ₹1,000 fee
- Fee waiver at ₹2 lakh — reachable for regular users
- Fuel surcharge waiver
Cons
- No international lounge access
- 3.5% forex markup
- Base earn of about 0.32% back as points trails most cashback alternatives
- Fuel, wallet and EMI spends earn no points