Axis Bank Rewards Credit Card Review 2026: Fees, 10X Rewards & Bene...
Explore Axis Bank Rewards Credit Card features: 10X points on shopping, Swiggy discounts, and lounge access. Learn about fees, eligibility, and if it's worth...
The Axis Bank Rewards Credit Card is a solid mid-tier option for those who shop frequently at departmental stores and use food delivery apps. While the reward rate is decent, the spend-linked lounge access and low point value are notable drawbacks.
Make every purchase rewarding with accelerated points on shopping.
The Bottom Line
The Axis Bank Rewards Credit Card is a solid mid-tier option for those who shop frequently at departmental stores and use food delivery apps. While the reward rate is decent, the spend-linked lounge access and low point value are notable drawbacks. With a ₹1,000 annual fee that is waived on ₹2,00,000 yearly spend, it offers 0% rewards on apparel & departmental stores and 5,000 bonus points. For anyone researching axis bank rewards credit card, the verdict is simple: conditional.
It earns a base reward rate of 0.32% and stacks best when your spending lines up with lifestyle-shopper, foodie. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealStrong rewards on apparel and departmental stores make it ideal for regular mall shoppers.
Consistent Swiggy discounts and Dining Delights program offer good value for food delivery and dining out.
Probably not for
SkipThe ₹50,000 quarterly spend requirement for lounge access is difficult to meet for low spenders.
Lacks international lounge access and premium travel perks like concierge or air miles transfer at high ratios.
Is It Worth It For You?
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Reward Rates
Axis Bank Rewards Credit Card offers 0.32% basic reward rate.
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Welcome Offer
Milestone Benefits
Bonus Points
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Primary cardholder must be aged between 18 and 70 years. Add-on cardholders must be above 15 years. Requires a stable source of income.
Exclusions & Terms
Fuel
Rent
Wallet Load
Insurance
Utilities
Government Services
Education
Gold/Jewellery
Cash Advances
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Frequently Asked Questions
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