Axis Bank Rewards Credit Card
Unleash Rewarding Possibilities with every spend
Annual Fee
₹1,000
Base Rewards
0.3%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Rewards Credit Card is a solid mid-tier offering that excels in specific shopping categories and monthly milestones. While the base rate is mediocre, the 10X acceleration and Swiggy benefits offer good value for urban spenders.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹1,920
Includes ₹1,000 bonus
Year 2+
+₹920
Fee waiver eligible!
Why get this card
10X EDGE Reward points on Apparel and Departmental stores (3.2% value back)
Monthly milestone of 1,500 EDGE points on spending ₹30,000
Significant Swiggy discounts (₹150 off twice a month) providing high utility for foodies
Watch out for
Low base reward rate of 0.32% (2 points per ₹125)
Lounge access is now spend-linked (₹50,000 in previous quarter)
Extensive list of reward exclusions including Utilities, Insurance, and Rent
Who is this card for?
Best for
lifestyle shopper
Individuals who frequently shop at departmental stores like Shoppers Stop or Lifestyle and can hit the ₹30,000 monthly milestone.
Min: ₹30,000/mo
Skip if you're
low spender
Users spending less than ₹30,000 monthly will miss the milestone points and may find the ₹1,000 annual fee hard to justify.
Base Earning
2 EDGE Reward Points
per ₹125 spent
0.3%
effective rate
Point value: ₹0.20/point
Bonus Categories
SHOPPING
10×
3.2% return
1008 pts/month
Welcome Offer
Membership benefits worth ₹1,000 every anniversary year
5,000
points
₹1,000
value
Spend ₹1,000 within 30 days
Milestones
Spend ₹0.3L
1,500 bonus EDGE points on monthly spends of ₹30,000
Spend ₹2.0L
Annual fee waiver on spending ₹2 Lakhs in a year
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank