Axis Bank RuPay Credit Cards

Axis Bank RuPay Credit Cards cater to diverse customer needs, offering numerous benefits like seamless online transactions via UPI integration. Cardholders can enjoy exclusive discounts, reward points on spendings, cashback, and vouchers. These cards also feature contactless payment options and virtual wallets for enhanced convenience and security. They come with competitive interest rates and flexible repayment terms. Here are details on the features, fees, and application process for Axis Bank's RuPay credit cards.

Axis Bank RuPay Credit Cards on UPI

Axis Bank offers various RuPay credit cards that can be linked to UPI app that ensures safe and secure digital payment method. These cards on UPI offer reward points on UPI and wider acceptance thereby making transactions utmost easy. Here are some of the different types of Axis Bank RuPay credit cards on UPI.

Credit Cards

Here are some of the Axis Bank Rupay credit cards:

Axis MyZone RuPay Credit Card

The following is the list of key features of Axis MyZone RuPay Credit Card:

  1. On first spends within 30 days of card issuance, customers will receive Complimentary SonyLIV Annual Premium Subscription worth Rs.999
  2. On Swiggy food delivery the customers will receive a discount of Rs.120 which is applicable twice a month on a minimum transaction of Rs.500
  3. On Paytm Movies customers can avail themselves of Buy One Get One Free, which is applicable once a month offering maximum discount of Rs.200.
  4. On AJIO on a minimum transaction of Rs2,999 the customers will get a discount of up to Rs.1000, which is applicable to select styles.
  5. On all expenses except wallet, fuel, movies, insurance, rent, education, utilities, government institutions and EMIs, the card offers four EDGE Reward points per Rs.200.
  6. On spending between Rs.400 and Rs.4000 the customers will get 1.00% fuel surcharge waiver across petrol pumps on maximum of benefit of Rs.400 per statement cycle.
  7. The customer will get four complimentary access to select Domestic Airport Lounges one per calendar quarter.
  8. On partner Restaurants via EazyDiner, the customer can avail themselves of up to 15% discount.

Axis NEO RuPay Credit Card

The following is the list of key features of Axis Neo RuPay Credit Card:

  1. On first utility bill payment within the first 30 days of card issuance the card offers 100% cashback up to Rs.300 as activation benefit.
  2. On a minimum transaction Rs.200 on Zomato, customers can avail themselves of a discount of 40% which is up to Rs.120 and is valid twice a month (using Promo Code: AXISNEO)
  3. Free delivery on restaurants not eligible for the above Zomato offer
  4. On utility bill payments (Mobile recharge, DTH recharge, or Broadband Bill payment) done via Amazon Pay the card offers a discount of 5.00% which is a maximum discount Rs.150 per month valid once a month.
  5. Maximum discount of Rs.250 per month (10% off) on a minimum transaction Rs.750 on Blinkit which is valid once a month*
  6. On every movie ticket purchase from BookMyShow, customer can avail themselves of a disocunt of 10% which is a maximum monthly benefit of Rs.100.
  7. On a minimum purchase of Rs999 on select styles on Myntra an extra discount of Rs.150 is offered (using the Coupon code: MYAXISBANK23).

Co-branded Credit Cards

Here are some of the co-branded Axis Bank Rupay credit card:

Axis Fibe Axis RuPay Credit Card

Here is the list of key features of Axis Fibe Axis RuPay Credit Card:

  1. This card is India’s first NUMBERLESS CARD that ensures enhanced security from card against theft or card loss.
  2. The card comes at zero Joining or annual fee thereby letting the customers enjoy all benefits of credit card at zero cost.
  3. To ensure hassle-free transactions, customers can link their Fibe Axis Bank credit card to UPI.
  4. On online food delivery, online entertainment, and local commute, the card offers cashback of 3.00%.
  5. On all other transactions (except for some excluded categories), the customer can earn a cashback of 1.00%.
  6. For transaction between Rs.400 and Rs.5000, customer can avail themselves of 1.00% fuel surcharge waiver and a maximum waiver up to Rs.400 per month
  7. The card also offers four domestic lounge access which is one per quarter.
  8. On partner Restaurants via EazyDiner, the customers can enjoy a discount of up to Rs.500.

Axis IOCL RuPay Credit Card

Here is the list of key features of Axis IOCL RuPay Credit Card, which is a fuel card:

  1. On all fuel spending within the first 30 days of card issuance, the customers can earn a 100% cashback of Rs.250.
  2. On fuel spending at the IOC Terminal, the card offers 20 reward points per Rs.100 spent.
  3. On online shopping (basis MCC) for a minimum transaction of Rs.100, the card offers five reward points per Rs.100 spent.
  4. On all other spends for a maximum eligible spends of Rs.5000 per month the customer can earn one rewards points per Rs.100 spent.
  5. For fuel spends between Rs.200 to Rs.5000, the card offers 1.00% Fuel surcharge waiver.
  6. If it spends more than Rs.50,000 per year the card offers a waiver of annual spending.
  7. For movie tickets booked via BookMyshow website, the card offers 10% instant discount.
  8. On partner Restaurants via EazyDiner the card offers a discount of 15%

Here are the steps to link Axis Bank RuPay credit card on UPI:

  1. From the Google Play Store or App Store, download the UPI Third Party Application, such as BHIM, Mobikwik, and Paytm
  2. To complete the registration, verify the mobile number on UPI app
  3. Select the option ‘Add Credit Card or Link credit card’ after successful registration
  4. Select Axis Bank under ‘Credit Card Issuer Bank’
  5. Select your Axis Bank RuPay credit Card that to be linked
  6. Click on ‘Confirm’
  7. Users can then proceed to generate UPI PIN if not generated yet

How to Set UPI PIN?

Here are the steps to set UPI PIN:

  1. Select ‘Generate PIN’ option
  2. Select your Axis Bank RuPay credit card from which transaction will be made
  3. Enter the card details such as:
  4. Last six digit
  5. Expiry date
  6. OTP will be sent to the registered mobile number of the customer
  7. After entering the OTP on the respective field, customers can set their UPI PIN

How to Pay with Axis Bank RuPay Credit Card on UPI?

The following are the steps to pay using Axis Bank RuPay credit card on UPI:

  1. Enter Merchant UPI ID or scan Merchant QR code
  2. Pay auto-fetched amount or enter the amount
  3. Select your Axis Bank RuPay credit card
  4. Enter the UPI PIN and press ‘Confirm’
  5. After successful completion of the transaction, the transaction details can be viewed at Transaction History

FAQs on Axis Bank RuPay Credit Cards

  • Are there any requirements that are mandatory for linking Axis Bank RuPay credit cards on UPI?

    No, there are no mandatory requirements for linking Axis Bank RuPay credit card on UPI, you will just need to enter the last six-digit of the card and expiry date.

  • Can I authenticate transactions made through UPI using Axis Bank RuPay credit Card PIN?

    No, you cannot authenticate transactions made through UPI using Axis Bank RuPay credit card PIN. You will need separate UPI PIN to authenticate transactions.

  • Will my transactions get blocked if I have made multiple incorrect UPI PIN attempts using Axis Bank RuPay credit cards?

    Yes, transactions may get blocked for a few hours if multiple YPU PIN attempts have been made using Axis Bank RuPay credit card. But the card will remain unaffected on other UPI apps, Ecomm, POS, and ATM.

  • How can I link my Axis Bank RuPay credit card on UPI applications if I have changed my mobile number?

    To link your Axis Bank RuPay credit card on UPI application, you need to update the changed mobile number and then re-register the credit card on UPI app.

  • How can I make retail offline merchant payment using Axis Bank RuPay credit card on UPI?

    To make retail offline merchant payment using Axis Bank RuPay credit card on UPI, log into UPI app, scan QR code or Merchant UPI, and enter the transfer amount. Then select the Axis Bank RuPay credit card, enter the UPI PIN, and confirm the payment.

  • How can I make e-commerce merchant payment using Axis Bank RuPay credit card on UPI?

    Through the request received from the merchant, payment can be made for e-commerce merchant for which customers need to select UPI app payment mode at merchant app pr website, then log into the UPI app and select the Axis Bank RuPay credit card. Confirm payment using UPI PIN and once the payment is successfully done, customers will be re-directed to the merchant website.

  • Can I make payment using the linked Axis Bank RuPay credit card to any person or other credit card?

    Yes, you can make payment using the linked Axis Bank RuPay credit card only to payment to merchant (P2M).

  • Can I link Axis Bank Visa or Mastercard credit card on UPI?

    No, you cannot link Axis Bank Visa or Mastercard credit card on UPI as currently these are not allowed other than RuPay credit card.

  • What is the maximum number of Axis Bank RuPay credit cards that can be linked on UPI?

    There is no maximum number for linking Axis Bank RuPay credit card on UPI.

  • Are there any fees charged on making transactions or linking Axis Bank RuPay credit card on UPI?

    No, there are no fees charged to the customers for making transactions or linking Axis Bank RuPay credit cards on UPI.

  • Is there any limit on the amount of transactions that can be made using the Axis Bank RuPay credit card on UPI?

    As per the existing UPI limits, the transaction limit for RuPay credit cards is also the same as the UPI limits which is Rs.1 lakh for offline and small merchant; Rs.5 lakh for other categories; and Rs.2 lakh for special MCC codes such as 5960, 6300, 6529. The transaction limits will be available as per the credit limit on the card.

  • Which merchant categories are restricted for making payments using linked Axis Bank RuPay credit card?

    The merchant categories that are restricted for making payments using linked Axis Bank RuPay credit card digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ERUPI, IPO, ATM, Mutual Funds, Foreign Inward Remittances, P2P, P2PM and others.

  • Can I raise a refund or charge back on UPI app for linked Axis Bank RuPay credit card on UPI?

    Yes, you can raise refund or charge back on UPI app for linked Axis Bank RuPay credit card by connecting with Axis Bank or UPI app.

  • Do I need to link my Axis Bank RuPay credit card again if I renew my card?

    In case of issuance of new card, customers need to re-register their Axis Bank RuPay credit card with updated details on UPI applications.

  • Where can I check my transaction history of Axis Bank RuPay credit card on UPI?

    The transaction history for payments made using Axis Bank RuPay credit card through UPI can be checked in monthly credit card statements and will also be dispalyed on UPI applications.

  • Will I earn EDGE reward points on spendings through UPI using Axis Bank RuPay credit card?

    Yes, as per existing product offering the customer will continue earning EDGE Reward points.

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