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Axis Bank 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 Axis Bank 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 cardholder age: 18-70 years. Must be a Resident of India or NRI with a stable income.

Reward Rates & Cashback Rules

  • CATEGORY – Insurance: 5.0% cashback (capped ₹100.0/txn) ⚠️ 5X points are applicable on transactions up to ₹10,000.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel spends.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points on wallet loading.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points on rental payments.
  • CATEGORY – Utilities: 0.0% cashback ⚠️ No reward points on utility bill payments.
  • CATEGORY – Education: 0.0% cashback ⚠️ No reward points on educational fee payments.
  • CATEGORY – Government Services: 0.0% cashback ⚠️ No reward points on government-related payments.

Key Features & Benefits

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

Eligibility Criteria

Primary cardholder age: 18-70 years. Must be a Resident of India or NRI with a stable income.

Features & Benefits

🎁

Welcome Benefit

Get a Decathlon voucher worth ₹750 upon card activation.

🩺

Doctor Consultations

4 free video doctor consultations per month via Practo.

🏋️

Fitness Sessions

4 free interactive video fitness sessions per month via Poshvine (Fitternity).

❤️

Health Check-up Discount

Annual discount of up to ₹500 on health check-ups through IndushealthPlus.

🍽️

Dining Discount

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

⛽

Fuel Surcharge Waiver

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

Cashback Engine Rules

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

Insurance
Reward: 5.0% Max per TX: ₹100.0
⚠️ Exceptions: 5X points are applicable on transactions up to ₹10,000.
5%
Fuel Exclusion
⚠️ Exceptions: No reward points on fuel spends.
Wallet Load Exclusion
⚠️ Exceptions: No reward points on wallet loading.
Rent Exclusion
⚠️ Exceptions: No reward points on rental payments.
Utilities Exclusion
⚠️ Exceptions: No reward points on utility bill payments.
Education Exclusion
⚠️ Exceptions: No reward points on educational fee payments.
Government Services Exclusion
⚠️ Exceptions: No reward points on government-related payments.

Value Chart

Assuming basic spends for Axis Bank Aura Credit Card

Category Axis Bank 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 		7 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 on fuel spends.
  • − No reward on Wallet Load — No reward points on wallet loading.
  • − No reward on Rent — No reward points on rental payments.
  • − No reward on Utilities — No reward points on utility bill payments.
  • −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 annual fee is ₹749 + GST. There are no spend-based waiver conditions for this fee.

The card offers 4 free video doctor consultations via Practo and 4 free video fitness sessions via Poshvine per month, plus an annual discount of up to ₹500 on health check-ups.

You earn 2 EDGE REWARD Points per ₹200 on most spends (1 point per ₹100) and 5X points (5 points per ₹100) on insurance payments. 1 EDGE Point is typically valued at ₹0.20.

Yes, a 1% fuel surcharge waiver is available on transactions between ₹400 and ₹4,000, with a maximum waiver of ₹250 per statement cycle.

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