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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum Credit Card vs Axis Bank Rewards Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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Axis Bank

Axis Bank Rewards Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.32%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Platinum Credit CardAxis Bank Rewards Credit Card
Annual Fee₹500₹1,000
Joining Fee₹500₹1,000
Fee Waiver Spend₹1,00,000₹2,00,000
Base Reward Rate0.6000000000000001%0.32%
Reward CurrencyEDGE REWARD PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

Axis Bank Rewards Credit Card

  • 0% on Apparel & Departmental Stores — 1008 pts/month

Pros & Cons

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

Axis Bank Rewards Credit Card

Pros

  • 10X EDGE Reward points on apparel and departmental store spends up to ₹7,000 per month.
  • Monthly milestone benefit of 1,500 EDGE Reward points on spending ₹30,000.
  • Flat ₹150 off on Swiggy twice a month on orders above ₹500.
  • Annual fee waiver on relatively low spending of ₹2 Lakhs per year.

Cons

  • Lounge access is subject to a high spend requirement of ₹50,000 in the previous 3 months.
  • Low reward redemption value of ₹0.20 per point.
  • Accelerated rewards are capped at a low monthly spend threshold of ₹7,000.

Our Verdict

Axis Bank Rewards Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Choose Axis Bank Rewards Credit Card if

Strong rewards on apparel and departmental stores make it ideal for regular mall shoppers.

Frequently Asked Questions

Which is better: Axis Bank Platinum Credit Card or Axis Bank Rewards Credit Card?
Axis Bank Rewards Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Platinum Credit Card and Axis Bank Rewards Credit Card?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while Axis Bank Rewards Credit Card has an annual fee of ₹1,000. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Rewards Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or Axis Bank Rewards Credit Card?
Axis Bank Platinum Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on International Spends and Birthday Month. Axis Bank Rewards Credit Card offers 0.32% base rewards with bonuses on Apparel & Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Axis Bank Platinum Credit Card and Axis Bank Rewards Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum Credit Card and Axis Bank Rewards Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Platinum Credit Card or Axis Bank Rewards Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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