Axis Bank offers reward points and cashback credit cards to maximise savings on your transactions. You will also get gift vouchers or points as joining perks when you apply for a card. Redeem these points for hotel bookings, flight tickets, e-vouchers, and more.
10 Best Axis Bank Credit Cards in India 2023
Listed below are top 10 credit cards offered by Axis Bank. Each Axis Bank credit card provides unique benefits and caters to different needs.
Axis Bank Credit Card Variant
Joining Fee
Category
Axis Bank Signature Credit Card with Lifestyle Benefits
Axis Bank is one of the private sector banks to offer a wide range of credit cards. The bank currently offers more than 11 variants of credit cards each customised to cater to different needs. From travel to shopping to dining to premium, the bank has a card for every category.
Key Highlights of an Axis Bank Credit Card
The following are the key features and significant benefits of Axis Bank credit card:
Axis Bank credit cards offer world-class privileges and card holders can enjoy unlimited discounts from various merchant outlets.
Cashback options
Higher purchase limits
Over 500 rewards from Axis Bank's EDGE Loyalty programme
Discounts on dining, shopping and e-commerce transactions
Airline vouchers
VIP Lounge access at airports
Create your own credit card using MyDesign
Credit cards with embedded EMV chips for enhanced security
Annual Fee: Waived off on annual spendings above Rs.2 lakh
Features and Benefits:
Cashback of 5.00% on bill payments, such as mobile recharges on Google Pay, DTH, and utility payments
Cashback of 4.00% on Ola, Zomato, and Swiggy and 2.00% on all other spendings
Offers four complimentary lounge access on visiting domestic airport with these cards per calendar year
Fuel surcharge waiver of 1.00% across the country
Maximum benefits of Rs.500 per statement and valid on transactions between Rs.400 to Rs.4000
Fuel transactions will not earn any cashback offers
Refund not applicable for GST charged on transactions
Flipkart Axis Bank Credit Card
Key Highlights: Several cahsback benefits along with welcome benefits across all categories including entertainment, travel, lifestyle, and shopping. These cards come with no upper limit and is eligible for all residents and non-residents of India within the age group of 18 to 7- years.
Joining Fee: Rs.500
Annual Fee: Rs.500, waived off on annual spendings above Rs.2 lakh
Features and Benefits:
Offers joining benefit worth Rs.1,100 on activation of the card
Cashback of 5.00% on shopping at Flipkart
Cashback of 4.00% and 1.5% on shopping at preferred merchants and all other categories, respectively
Fuel surcharge waiver of 1.00% across all fuel station in the country
Complementary lounge access on visiting four domestic airports per calendar year
Key Highlights: Customers using Axis Bank Neo credit card can avail themselves of various vouchers such as Amazon, Blinkit, Zomato Pro, Myntra, and BookMyShow. Offers dining offers and discounts of 15% at partner restaurants.
Joining Fee: Rs.250
Annual Fee: Rs.250
Features and Benefits:
Offers Activation benefit of Rs.300 on first utility bill payment within 30 days of card issuance
Utility bill payment via Amazon Pay will offer 5.00% discount
The maximum discount amount is Rs.150 per month
Payment on Zomato will offer 40% discount which can be availed twice a month
Zomato offers applicable on minimum spends of Rs.200
Per order maximum discount offered will be Rs.120
Offers up to Rs.250 discount on minimum spends of Rs.750 on Blinkit once per month
Discount of 15% at partner restaurants
Ensures zero lost card liability
Enables users to log onto Mastercard Shop perk for offers and discounts
Offers EDGE Reward points and allows conversion of transactions into EMIs
Key Highlights:Axis Bank My Wings credit cards are ideal for travelers with complimentary lounge access, cashback offers on bus tickets, IRCTC, domestic flights, and railway tickets.
Joining Fee: Rs.1,200
Annual Fee: Rs.500, second year onwards and no fee for first year
Features and Benefits:
On booking done through ezeego1.com using promocode, users will earn Rs.400 per car booking on rental
Discount of Rs.100 on booking of bus tickets through ezeego1.com
Offers fuel surcharge waiver on fuel stations using Axis Bank My Wings credit card
Ticket booking through irctc.com users can avail Rs.25 off
Cashback of Rs.500 and Rs.1,500 on domestic and international return air ticket, respectively
Cashback of Rs.1000 and Rs.1,500 on hotels across India and international hotels, res
Offers cashback of Rs.2,500 and Rs.3000 on domestic and international holiday bookings, respectively
Offers 20% cashback on domestic flight bookings
Offers complimentary lounge access
Enables users to convert transaction into EMIs
Allows customers to redeem complimentary base fare flight tickets
Key Highlights: These axis bank select credit cards come with maximum lifestyle benefits complimentary Amazon e-voucher, discounts on food and groceries, complimentary Priority Pass lounge visits, Golf rounds across locations, and many more.
Joining Fee: Rs.3000
Annual Fee: Rs.3000 from second year onwards
Features and Benefits:
Comprehensive insurance coverage of Rs.1 lakh
Fuel surcharge waiver of 1.00%
Discounts of Rs.1000 via Axis Bank Dining Delights Program
Special offers curated for premium customers
Complimentary services on table reservations, flight bookings, and others
Offers six complimentary golf rounds per year
Offers 10 Axis EDGE points on every Rs.200 spent
On Retail shopping of spending of Rs.200, customers will earn 2X points
Annual fee waiver on spending above Rs.6 lakh
Offers 5000 EDGE point on spending Rs.3 lakh per year
Offers complimentary lounge access within India at selected airports only
On achieving milestone spends, bonus CV points and four complimentary premium economy tickets will be offered
On using these cards, customers will earn 4 CV points for spendings of Rs.200
Welcome gift of complimentary premium economy class tickets
Axis Bank My Zone Credit Card
Key Highlights: These axis bank my zone credit cards come with multiple benefits including complimentary lounge access, OTT benefits, discounts on Swiggy, and many more.
Joining Fee: Rs.500 and Lifetime Free offer on selected channels
Annual Fee: Rs.500 on second year onwards
Features and Benefits:
Provides discount of 15% dining offers and multiple network offer
Fuel surcharge waiver of 1.00% and offers benefit of converting transaction into EMIs
On every Rs.200, customer will earn 4 EDGE points
Offers discount of up to Rs.1000 on minimum spending of Rs.999 at AJIO
Offer one complimentary lounge access per quarter on selected airports
Discount of 40% on orders at Swiggy
Offers SonyLiv Premium subscription worth Rs.999 within 30 days of credit card issuance
Offers discount of 100% on purchase second movie ticket at Paytm Movies
Key Highlights: These axis bank magnus credit cards come with multiple lifetsyle, health and wellness, travel benefits along with other benefits.
Joining Fee: Contact the bank
Annual Fee: Rs.10,000 plus taxes, will be waived off on spending of Rs.15 lakh
Features and Benefits:
On achieving spends of Rs.1 lakh in a year, customers will earn 25,000 EDGE Reward points
Travel spends via TRAVEL EDGE, customers will earn 5X EDGE Rewards
On spending of every Rs.200, customers will earn 12 Axis eDGE Reward Points
On transaction between Rs.400 to Rs.4000, fuel surcharge will be waived off at 1.00%
Offers multiple health and wellness benefits
Dining offer with discount of up to 40% at 4000 restaurants across the country
Discount of Rs.500 on second movie ticket
Offers international and domestic airport lounge access
Offers Tata CLiQ voucher worth Rs.10000 and complimentary domestic flight ticket as annual benefit
Axis Bank Reserve Credit Card
Key Highlights: These axis bank reserve credit cards ensure limitless comfort and extraordinary travel experience by providing complimentary concierge services and airport transfers.
Joining Fee: Contact the bank
Annual Fee: Contact the bank
Features and Benefits:
Offers membership of Marriott Hotel club and Accor Plus
Provides 50 golf rounds every year
On card activation and renewal, users will earn 5000 EDGE reward points
Axis Bank Atlas Credit Card
Key Highlights: These axis bank atlas credit cards come with a host of benefits including tiered, annual, milestone, and welcome benefits that enhance your travel experience.
Joining Fee: Rs.5000
Annual Fee: Rs.5000
Features and Benefits:
On first transaction within 30 days of issuance, users will earn 5000 EDGE Miles as welcome benefit
Provides 20% discount at over 10,000 restaurants via EazyDiner
Offers domestic and international lounge access
Users can also avail themselves of airport pickup services and airport concierge services
Offers 5 EDGE Miles and 2 EDGE Miles on travel and other spendings, respectively
Do Axis Bank credit cards have a loyalty reward programme?
Yes, Axis Bank credit cards do come with a Loyalty Reward Programme.
Can I apply for an Axis Bank Credit Card?
If you are a resident of India in the age bracket of 18 to 70 years, you satisfy the primary eligibility criteria. However, for different cards, the minimum required net income varies. Please check with the bank about the income criteria for respective credit cards before applying.
How can I convert my purchases to EMI?
Whenever you make a transaction of Rs. 2,500 and above, you can convert it to EMI's with tenures at 3, 6, 9 or 12 months with low interest rates. You can use the Net Banking facility or the customer care service to convert the payments to EMI.
Can I have a supplementary Axis Bank credit card?
Supplementary or add-on card is an additional card that is offered against your existing Axis Bank credit card with all the features of the parent card. You can apply for up to 4 Axis bank add-on cards by contacting any Axis Bank branch.
What is "Zero Lost Card Liability"?
If your Axis Bank credit card is misplaced or stolen, you will be free from any fraudulent purchase transaction charges up to the insured amount from the moment you report the loss to Axis Bank credit card customer care or the VISA Global service helpline.
Which Axis Bank credit card offers the EMI option?
All credit cards offered by Axis Bank come with this option.
Can I use my credit card to withdraw cash from the ATM?
Yes. You can use your Axis Bank Signature credit cards to withdraw cash up to 30% of the prescribed credit limit from all the ATM's that display the Visa sign.
How do I pay my Axis Bank credit card bills?
You can pay the bills by many easy ways like Axis Bank Credit Card Net Banking, NEFT transfer, Electronic Clearing Service (ECS), auto debit, cheque or by cash.
For a frequent air traveller like me, what would be the most suitable Axis Bank credit card?
Axis Bank Miles & More credit card. You stand to earn unlimited miles that never expire and use your miles to avail exciting offers on flight tickets and upgrades, hotels and car rentals.
How do I use the reward points that I get on each credit card transaction?
With Axis Bank's rewards program, you can spend your reward points for purchasing over 500 chosen reward items.
I travel a lot within India. Which credit card would be apt for me?
Axis Bank's MY Wings credit card that comes with benefits like 20% cashback on domestic flights, Rs.25 off on IRCTC booking, Rs.100 cashback on domestic bus tickets and Rs.400 off on domestic car rentals would be the perfect choice.
What are some of the benefits of Axis Bank Platinum credit card?
Platinum cardholders get to enjoy exclusive privileges like 25% cash back on movie tickets, global emergency assistance, fuel surcharge waiver.
Axis Bank and Cleartrip Collaborate to Make Unique Travel Benefit Plans for Credit Cardholders
Axis Bank, in collaboration with Cleartrip, a subsidiary of Flipkart, is poised to launch an exclusive initiative designed to offer travel benefits to both current and new Axis Bank credit cardholders through Cleartrip. In this collaboration, customers will gain a host of advantages when booking domestic flights. These advantages include discounts of up to Rs. 1,200 on seat reservations, complimentary meals worth up to Rs. 500, exemption from convenience fees, and the ability to cancel or reschedule flights for just Rs. 1 using CT FlexMax.
Notably, Axis Bank credit cardholders can avail of these specially tailored travel offers without the need for point accumulation or redemption. This partnership represents a substantial departure from the traditional approach to domestic flight booking discounts. Presently, online travel agencies typically prioritize instant cash discounts through bank collaborations. However, these discounts are frequently offset by convenience fees and additional charges for seats and meals.
23 August 2023
New rules for Flipkart Axis bank credit card
Axis Bank has reduced some of the cashback and bonus points on the Flipkart Axis bank credit card. The change will take effect from 12 August 2023. According to Axis Bank, spending on flights and hotel stays on Flipkart as well as on Myntra will now get 1.5% unlimited cashback. On the other hand, cashback will not be applicable on fuel expenses, gift cards for Myntra and Flipkart, EMI transactions or conversion of purchases to EMI.
12 August 2023
Axis Bank and Kiwi partner together to provide digitally lifetime-free Rupay credit cards
Axis Bank has partnered with Kiwi to launch digital Rupay credit cards which will be free for its users for life. Kiwi, a fintech company which allows credit on UPI allows the customers to apply for the Axis Bank KWIK credit card through its mobile app.
An individual who has applied for the Axis Bank KWIK credit card can use the KIWI mobile app to make payments to merchants using their credit card by directly scanning the UPI QR code.
The customer in return will also get to enjoy reward points while also being able to make UPI payments in a convenient manner.
The virtual credit card will provide 2 reward points for every Rs.200 spent. They will also get a cashback of 1% if the payment has been made through scan and pay facility. Apart from that, there will be a waiver of the 1% fuel surcharge if the virtual card is paid for fuel on petrol pumps.
It is believed that this new credit card will promote the usage of credit card in India on a larger scale.
02 August 2023
Five credit cards devalued by Axis Bank
Five credit cards offered by Axis Bank, namely, Axis Bank Reserve, Axis Bank Privilege, Axis Bank Select, Axis Bank My Zone, and Axis Bank Flipkart credit cards, will now have fewer benefits. The bank has devalued the above-mentioned credit cards and it will be effective 12 August 2023 onwards.
13 July 2023
Kiwi Axis UPI RuPay credit card app has been launched
Customers can now combine the reliability of a RuPay credit card with the simplicity and ease of UPI with the release of the Kiwi app. Over the following 18 months, the company aims to offer accessibility to credit via UPI to 1 million customers. A digital RuPay credit card will be issued instantly to customers. They can use the mobile application to link their UPI and RuPay cards for availing cashback and credit on UPI offers. According to reports, both offline stores and online platforms will be providing cashback offers. Customers can manage their cards through the app by setting card limits, blocking cards, etc.
5 June 2023
UPI transaction integrated with RuPay Credit Cards by Axis Bank
One of the private sectors in India, Axis Bank, integrated UPI (Unified Payments Interface) transactions with RuPay credit cards. Axis Bank credit card users can scan the QR codes using their RuPay credit card by selecting Axis Bank credit cards from their UPI application for enhanced payment flexibility. Customers can generate separate UPI PINs to make payments through their RuPay credit cards. This feature is applicable for those UPI apps that support RuPay credit cards and for those customers with Axis Bank RuPay credit cards.
10 May 2023
CheQ and Axis Bank Collaborate to Provide Users Rewards for Paying Credit Card Bills
CheQ, a fintech startup with headquarters in Bangalore, has teamed up with Axis Bank to enhance the customer experience for paying credit card bills. Customers who use the CheQ app to pay their Axis Bank credit card bills will receive a fixed 1.5% of their payment as CheQ Chips as part of the agreement. In addition to the usual 1 percent reward that consumers receive, this incentive is worth an additional 0.5%.
14 March 2023
Axis Bank, SBI, and ICICI Bank to Introduce Rupay Credit Card on UPI by March
By March, Axis Bank, SBI, and ICICI Bank are expected to introduce the RuPay credit card with UPI capabilities. The National Payments Corporation of India's (NPCI) chief executive officer expects the move to raise the feature's current daily transaction values, which are currently Rs.50 lakh.
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I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
This is Axis Bank Flip card, actually i am getting more reward points that i am converting as a Indian rupees directly from my account 5% on all transactions. I am happy with the credit limit and this card has a EMI facilities and the customer service was excellent.
Since Axis bank person called me directly, so I applied this credit card in personal. The customer service was good and they given a sufficient credit limit. The limit is good they given a twice of my salary, mostly i am using this card for all purpose.
This is AXIS Bank privilege credit card and i applied this card with other channel. I am getting credit card statement through soft copy. Its a travel card i am using for airline ticket booking and also i am getting discount in airline, its very useful.
As I am having my bank account in AXIS, the banker has offered a credit card. I got my card on time without any delay.The reward points are good. I used this card for on line payment. I have another card from the same bank but with the different variant but the pin generation was not an easy process, i hope the bank will look in to this process.
I have been using AXIS NEO card for past one year. It is a life time free card and the credit limit is sufficient and I got more than 50K, recently they proposed to enhance but I haven't agreed. Their service is good and charges also low when compare to other. I use for online shopping, there is no much offers in this card.
From Axis Bank, the rate of interest and fee was high, if loan or emi conversion i am doing interest was high, need to decrease. This is a privilege card i am using since 18 months , and they given a sufficient credit limit. This bank has a good customer service.
I have been using AXIS card for more than 5 years which was offered from bank and accepted for the same. It is a life time free card. The credit limit is sufficient of 1.95L at initial they provided for 1.20L. I use this card frequently in many places got good points but when I try to redeem it got expired. Interest is high. EMI conversion is applicable but not yet used.
I have taken My zone credit card from AXIS Bank and this offer was provided to me by the bank. I have just started using this card and every thing is done by online which is very simple and no manual work. With in 1-2 days, it got approved and i got this card on 3rd day.
I have Axis Bank credit card which was taken through bank.I am using this my zone card almost 3 to 4 years. This was a life time free card and its having an option for making card to card payments. Emi conversion is also possible, fuel benefits, movie ticket offers and airport lounge access is available.
I am using Axis bank credit card which was taken through bank.This card is providing fuel benefits ,movie ticket offers and also cash back offers which is very useful .The service of this credit card was pretty good ,This was a life time free card and not faced any hassles until this card was delivered .
AXIS Bank offered a flip credit card which i am using for more than 1 -2months. Annual charges for this card is Rs. 500 and there is no fee wavier and the credit limit is okay. For shopping and movie ticket booking, i got voucher worth of Rs.500 flipkart and i am getting some discounts.
I am using AXIS Bank My Zone credit card more than 2 years. Annual charges for this card is Rs. 500+ GST if i spend some amount there wont be any charges. Credit limit is sufficient and i got this offer from bank directly. Maximum i am using the card for travel and shopping, getting reward points and not redeemed yet.
Was this review helpful?
6
CHINMAY K L
, bhubaneshwar
Reviewed on Mar 15, 2020
I am using AXIS Bank credit card more than 4 years and they given a sufficient credit limit of Rs. 90K. This is a life time free card, mostly i am using for shopping, travel, fuel and gold purchase. EMI options are available for all except gold and fuel.
Since one year, i am using AXIS Bank My zone credit card. This is a life time free card and they given a sufficient credit limit of Rs. 95K. I am using this card for all purpose and the rate of interest was better. Customer service and responsiveness was good.
AXIS Bank given a credit limit of Rs. 40,000 and i am using this card for all purposes. This bank offered me a Neo credit card and i am using this card more than 1 year. Annual charges for this card is Rs. 500 and there is a no fee wavier and i applied this card through bank directly.
On 4 months before I got a credit card offer via AXIS bank directly. Once the process done by 10 days received the card. The credit limit is sufficient of 50K. It is a life time free card . They are providing good benefits of cash back. Emi conversion is applicable. It is easy to convert with nominal charge.
I am holding NEO credit card from Axis bank and i get a money back offer on this card. They have given me a credit limit of Rs. 40000 and they don't charge me any annual fee because based on my salary account they have given me this card. I am using this card for last 1 year. They do sent offer messages to my number.
I am using Axis bank credit card which was taken through bank for the past 5 years.The credit limit was 40,000 and this was a chargeable card. I am getting cash back benefits as well as reward points which is very useful. This card is useful for online shopping .
Axis bank card is a wonderful card to use which am using for more than 5 years and they have provided the loan offer also. Depends on my spending, they are increasing the credit limit on a periodically. When i call the customer care for any kind of clarification, they will rectify it immediately.
100% PAPERLESS APPROVAL 
