Axis Bank Rewards Credit Card

You can use the Rewards Credit Card by Axis Bank to earn reward points. Learn everything there is to know about the Axis Bank Rewards Credit Card, including its features and requirements for qualifying.

Updated On - 05 Sep 2025

Some of the benefits of Axis Bank Rewards Credit Card are:

  1. Accelerated Rewards
  2. Milestone Benefits
  3. Enjoy 30% off on Swiggy
  4. Membership Benefits
axis bank rewards credit card

Features of Axis Bank Rewards Credit Card

Some of the features of Axis Bank Rewards Credit Card are given below:

Welcome Benefits

  1. On cumulative spends of Rs.1,000 and above within 30 days of issuance of the card, enjoy 5,000 EDGE REWARD points.

Reward Points

  1. For every Rs.125 spent, earn 2 EDGE reward points.
  2. For every Rs.125 spent on apparel and departmental stores, earn 10X reward points.
  3. By spending Rs.7,000 per month on specific categories, you will earn accelerated points. 
  4. The rewards points will be credited directly to your EDGE account. 

Membership Benefits

  1. Get a host of memberships up to Rs.1,000 every anniversary year. 
  1. If you are an eligible customer, you will get the membership link via SMS on registered mobile number within 60 days of eligibility. 

Milestone Benefits

  1. On net spend of Rs.30,000 every statement cycle, earn 1,500 EDGE reward points. 

Swiggy

  1. Get 30% discount at Swiggy for food delivery. 
  2. Use coupon code AXIS30 to enjoy the discounts. 
  3. Maximum discount of Rs.150 per order. 
  4. Minimum transaction of Rs.200 per order to avail the discount. 
  5. You can avail yourself of this discount offer up to two times a month.  

Complimentary Lounge Access

  1. Enjoy 2 complimentary domestic lounge access every quarter. 

Fuel Surcharge Waiver

  1. For transactions between Rs.400 and Rs.5,000, enjoy a 1% fuel surcharge waiver at all petrol stations.
  1. The maximum benefits offered per statement cycle will be Rs.400. 
  1. GST on fuel surcharge is non-refundable. 
  1. No reward points will be offered for fuel transactions

Insurance Benefits

  1. Purchase Protection Cover of up to Rs.1 lakh. 
  2. Enjoy a cover up of up to $500 in case you lose your check in baggage. 
  3. Enjoy a cover up of up to $300 in case your check in baggage gets delayed, and you lose your travel documents. 
  4. Credit Shield of up to Rs.1 lakh. 

Dining Delights

  1. Get 15% off of up to Rs.500 at the bank’s partner restaurant in India. 
  1. You must present your card at the restaurant to avail the benefits.

Wednesday Delight

  1. On hotel and flight bookings via Goibibo and Makemytrip, the card offers a 15% discount. 
  1. On orders via Amazon Fresh and Swiggy, the card offers a 10% discount. 
  1. On orders via Tira, the card offers a 10% discount of up to Rs.1000. 

How to Apply for Axis Bank Rewards Credit Card 

Online 

  1. Click on the link https://www.axisbank.com/retail/cards/credit-card/rewards-credit-card
  2. Follow the instructions thereafter to complete the application process. 
  3. Once you submit the application process, the bank will verify the details and if all the details are correct, the credit card will be sent to your address. 

Offline 

You can visit the nearest Axis Bank branch along with all the necessary documents to apply for the Rewards Credit Card. Fill in the application form and submit it along with all the documents.

Eligibility Criteria

The eligibility criteria to avail this card are given below: 

  1. Should be a resident of India 
  2. Aged between 18 years and 70 years 

Documents Required 

The documents required are given below: 

  1. PAN Card
  2. Form 60
  3. Colour photograph of the applicants 
  4. Latest bank statement, pay slip, Form 16, IT returns 
  5. Proof of residence such as Aadhaar, passport, ration card, landline telephone bill, electricity bill, etc.  

Fees and Charges

The fees and charges applicable on Axis Bank Rewards Credit Card are listed below: 

Fee Type

Fee Amount 

Joining Fee

Rs.1,000

Annual Fee

Rs.1,000 - waived off on spending Rs.2 lakh or more annually

Add-on card joining and annual fee 

Nil 

Finance Charges

3.75% per month (55.55% p.a.)

Cash Withdrawal Fee

2.5% or Rs. 500

Forex Charges

3.5%

Rewards Redemption Fee

Nil

Cash Payment Fee

Rs.175

Overlimit Penalty

2.5% or Rs. 500

Late Payment Fee

On the outstanding amount of -

  1. Less than Rs. 500: Nil
  2. Between Rs. 501 & Rs. 5,000: Rs. 500
  3. Between Rs. 5,001 & Rs. 10,000: Rs. 750
  4. Above Rs. 10,001: Rs. 1,000

FAQs on Axis Bank Rewards Credit Card

  • How do I get my points from the Axis reward?

    Mobile app for Axis Bank: Get the Axis Bank app on your phone. To examine your point balance, select the 'Rewards' page from the menu. Click on the 'Rewards Store' link in the 'Redeem Now' area. Select the prizes you want to redeem from a variety of categories, add them to your cart, and check out.

  • Which three categories of credit card rewards are there?

    One of the three reward systems offered by credit cards is typically available: cash back, points, or miles.

  • In Axis, what does 10X reward points mean?

    Tenfold Edge Award Customers will receive points, where ‘X’ represents the points, they have accrued from their domestic transactions.

  • Is it possible to exchange my reward points for cash?

    Is it possible to exchange my reward points for cash? You can exchange your reward points for cash at a select bank. Your credit card account will be credited with the amount that was converted to cash. This can be used to send money.

  • What is the validity period of Axis credit card reward points?

    The three-year validity period of EDGE REWARDS points means that they will expire three years after they are earned. To prevent your points from expiring, redeem them. This complies with the program's terms and conditions.

  • What advantages do reward credit cards offer?

    Rewards programs can give discounts and special rates on various categories, such as 2 EDGE points per Rs.125 spent, 10X on apparel, dining discounts, Swiggy offers, lounge access, insurance, and annual fee waiver

  • How can I redeem my reward points on Axis Bank Reward credit cards?

    You redeem your reward points on your Axis Bank Reward credit cards online by logging in to the Axis Bank mobile app or NetBanking. Navigate to the 'Rewards' section, browse the available options, and confirm your redemption. For offline mode, visit the Axis Bank Rewards Store website, select your desired product or voucher, and contact customer service at 1860-419-5555 or 1860-500-5555 to place your order. 

  • Are there any exclusions for earning reward points on Axis Bank Reward credit cards?

    Yes, certain transactions do not earn reward points, such as fuel purchases, cash withdrawals, rent payments, wallet reloads, insurance premiums, utility bill payments, and government-related transactions. 

  • How can I apply for the Axis Bank Rewards Credit Card?

    You can apply for the Axis Bank Rewards Credit Card through both online and offline mode. For online mode visit the official Axis Bank website and complete the application process. While in offline mode, visit the nearest Axis Bank branch with the necessary documents, fill in the application form, and submit it along with the documents. 

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