Axis Bank Kwik Credit Card
KWIK to Pay, KWIK to Reward: Bridging Digital Payments Everywhere
Annual Fee
FREE
Base Rewards
0.2%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Kwik Credit Card is a solid entry-level digital card primarily designed for the 'Credit on UPI' ecosystem. While its reward structure is modest, its Lifetime Free status and instant virtual issuance make it an excellent choice for UPI-heavy users.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹1,200
Year 2+
+₹1,200
Why get this card
Lifetime Free (LTF) card with zero joining and annual fees
Seamless UPI integration allowing credit-on-UPI via the RuPay network
Instant virtual issuance through the Kiwi app for immediate use
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Watch out for
Very low base reward rate of 0.20% on standard spends
No reward points for UPI transactions below ₹2,000
No complimentary domestic or international airport lounge access
+1 more considerations
- High interest rate (APR) of 56.1% per annum
Who is this card for?
Best for
upi users
Users who prefer making small to mid-sized merchant payments via UPI and want to use credit instead of a bank account.
Min: ₹5,000/mo
first time user
Individuals looking for their first credit card with no annual cost and easy digital onboarding.
0Skip if you're
high spenders
Users with high monthly spends who would benefit more from cards with higher reward rates or milestone benefits.
frequent travelers
This card offers no travel-specific benefits like lounge access or air miles.
Base Earning
2 EDGE Reward Points
per ₹200 spent
0.2%
effective rate
Point value: ₹0.20/point
Bonus Categories
Kiwi App - SHOPPING
1×
0.2% return
500 pts/month
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank