Axis Bank Signature Credit Card: Benefits, Fees & Rewards
Explore Axis Bank Signature Credit Card features: 10 EDGE points per ₹200, 50% off on movies, domestic lounge access, and international travel benefits.
The Axis Bank Signature Credit Card is a solid premium offering for those who value lifestyle perks like movie discounts and concierge services alongside travel insurance. While its base reward rate is decent, it faces stiff competition from cards like Regalia Gold which offer better lounge and milestone benefits.
Experience the luxury of travel and lifestyle benefits
The Bottom Line
The Axis Bank Signature Credit Card is a solid premium offering for those who value lifestyle perks like movie discounts and concierge services alongside travel insurance. While its base reward rate is decent, it faces stiff competition from cards like Regalia Gold which offer better lounge and milestone benefits. With a ₹5,000 annual fee that is waived on ₹3,00,000 yearly spend, it offers 2% rewards on travel and 100 bonus points. For anyone researching Axis Bank Signature Credit Card, the verdict is simple: conditional.
It earns a base reward rate of 1% and stacks best when your spending lines up with frequent-traveler, movie-buffs. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers who travel internationally and can benefit from the 2x reward multiplier and insurance covers.
Individuals who frequently watch movies and can maximize the ₹3,600 annual savings on BookMyShow.
Probably not for
SkipUsers spending less than ₹3 Lakhs annually will find the ₹5,000 fee hard to justify.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹3,00,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
Axis Bank Signature Credit Card offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Welcome Offer
100 EDGE Reward points on your first online transaction. (Note: Joining vouchers like IndiGo/Satya Paul mentioned in older terms may no longer be standard; always check current offer).
Milestone Benefits
Annual fee waiver of ₹3,000 on spending ₹3 Lakhs in the preceding year.
Fees & Charges
Eligibility
- Min Income: ₹9 Lakhs
- Min Credit Score: 750
- Primary cardholder age between 18 to 70 years. Resident of India. Minimum net income of ₹9 Lakhs per annum for salaried individuals.
Exclusions & Terms
Fuel
- Fuel transactions do not earn reward points. 1% surcharge waiver applies on transactions between ₹400 and ₹4,000 (Max waiver ₹400/month).
Rent
- Rent payments (MCC 6513) do not earn reward points and attract a 1% surcharge.
Utilities
- Utility payments (MCC 4814, 4816, 4899, 4900) are excluded from earning reward points.
Insurance
- Insurance premium payments (MCC 6300, 6381, etc.) are excluded from earning reward points.
Education
- Education services are excluded from earning reward points.
Government Services
- Payments to government institutions (MCC 9222, 9311, 9399, 9402) do not earn points.
Wallet Load
- Wallet loading transactions (MCC 6540) do not earn reward points.
Gold/Jewellery
- Purchase of gold/jewellery (MCC 5094, 5944) is excluded from rewards.
Compare with Alternatives
Frequently Asked Questions
2 data-backed answers from our card database