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Aura Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Entry

Join / Annual

₹0/₹749

Base Rate

1.0%

Reward Type

Points

Overview

The Aura Credit Card is a Entry credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹749
Eligibility: Primary applicant must be between 18 and 70 years old and a resident of India or an NRI.

Reward Rates & Cashback Rules

  • CATEGORY – Insurance: 5.0% cashback (capped ₹100.0/txn) ⚠️ Accelerated rewards are applicable on transactions up to a maximum spend of ₹10,000.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points are earned on wallet load transactions. A fee may apply on spends over ₹10,000.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points are earned on rental payments. A fee of 1% per transaction is applicable.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points are earned on EMI transactions.

Key Features & Benefits

  • Welcome Benefit 🎁: Receive a Decathlon gift voucher worth ₹750 upon joining.
  • Doctor Consultations 🩺: 4 complimentary video doctor consultations per month via Practo.
  • Fitness Sessions 🏋️: 4 free interactive video fitness sessions and 16 recorded sessions per month via Poshvine/Fitternity.
  • Health Check-up Discount ❤️: Annual discount of up to ₹500 on health checkups.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle.
  • Dining Delights 🍽️: Up to 20% discount at partner restaurants through the Axis Bank Dining Delights program.

Eligibility Criteria

Primary applicant must be between 18 and 70 years old and a resident of India or an NRI.

Features & Benefits

🎁

Welcome Benefit

Receive a Decathlon gift voucher worth ₹750 upon joining.

🩺

Doctor Consultations

4 complimentary video doctor consultations per month via Practo.

🏋️

Fitness Sessions

4 free interactive video fitness sessions and 16 recorded sessions per month via Poshvine/Fitternity.

❤️

Health Check-up Discount

Annual discount of up to ₹500 on health checkups.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle.

🍽️

Dining Delights

Up to 20% discount at partner restaurants through the Axis Bank Dining Delights program.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Insurance
Reward: 5.0% Max per TX: ₹100.0
⚠️ Exceptions: Accelerated rewards are applicable on transactions up to a maximum spend of ₹10,000.
5%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.
Wallet Load Exclusion
⚠️ Exceptions: No reward points are earned on wallet load transactions. A fee may apply on spends over ₹10,000.
Rent Exclusion
⚠️ Exceptions: No reward points are earned on rental payments. A fee of 1% per transaction is applicable.
EMI Exclusion
⚠️ Exceptions: No reward points are earned on EMI transactions.

Value Chart

Assuming basic spends for Aura Credit Card

Category Aura Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹749 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Insurance — 5.0% Points
  • + Welcome Benefit
  • + Doctor Consultations
  • + Fitness Sessions
  • + Health Check-up Discount
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • − No reward on Wallet Load — No reward points are earned on wallet load transactions. A f
  • − No reward on Rent — No reward points are earned on rental payments. A fee of 1%
  • − No reward on EMI — No reward points are earned on EMI transactions.
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹749

Net Value

+₹2251

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining and annual fees are both ₹749 + GST. There is no spend-based waiver mentioned for the annual fee.

The card offers significant health benefits, including 4 free monthly video doctor consultations on Practo, 4 free monthly fitness sessions on Poshvine/Fitternity, and an annual discount of up to ₹500 on health checkups.

You earn 2 EDGE Reward Points per ₹200 (1 point per ₹100) on general spends. For insurance payments, you get 5X rewards, which is 10 points per ₹200 (5 points per ₹100).

Yes, transactions related to fuel, wallet loads, rental payments, and EMIs are typically excluded from earning EDGE Reward Points.

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