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Axis Bank Kwik Credit Card

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

Annual Fee

₹0

Base Rate

1.0%

Reward Type

Points

Overview

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

Annual Fee: Lifetime Free
Eligibility: Applicant must be an Indian resident aged 18-70 with a good credit score.

Reward Rates & Cashback Rules

  • ALL_ONLINE: 1.0% cashback ⚠️ Base rate of 2 points per ₹200. Excludes Fuel, Wallet, Rent, Insurance, Education, Govt, Jewellery, EMI & UPI spends < ₹2000.
  • CATEGORY – Offline Spends: 1.0% cashback ⚠️ Base rate of 2 points per ₹200. Excludes Fuel, Wallet, Rent, Insurance, Education, Govt, Jewellery, EMI & UPI spends < ₹2000.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – UPI: 0.0% cashback ⚠️ No points on UPI transactions below ₹2,000.

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150 per statement cycle.
  • Instant Virtual Card ⚡️: Get an instant virtual card upon approval for immediate online use and linking to UPI apps.

Eligibility Criteria

Applicant must be an Indian resident aged 18-70 with a good credit score.

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹150 per statement cycle.

⚡️

Instant Virtual Card

Get an instant virtual card upon approval for immediate online use and linking to UPI apps.

Cashback Engine Rules

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

All Online Spends
Reward: 1.0%
⚠️ Exceptions: Base rate of 2 points per ₹200. Excludes Fuel, Wallet, Rent, Insurance, Education, Govt, Jewellery, EMI & UPI spends < ₹2000.
1%
Online Spends
Reward: 1.0%
⚠️ Exceptions: Base rate of 2 points per ₹200. Excludes Fuel, Wallet, Rent, Insurance, Education, Govt, Jewellery, EMI & UPI spends < ₹2000.
1%
Fuel Exclusion
Wallet Load Exclusion
Rent Exclusion
Insurance Exclusion
Education Exclusion
Government Services Exclusion
Jewelry Exclusion
EMI Exclusion
UPI Exclusion
⚠️ Exceptions: No points on UPI transactions below ₹2,000.

Value Chart

Assuming basic spends for Axis Bank Kwik Credit Card

Category Axis Bank Kwik 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 		₹0 ₹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 		11 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + All Spends — 1.0% Points
  • + Online Spends — 1.0% Points
  • + Fuel Surcharge Waiver
  • + Instant Virtual Card
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet Load
  • − No reward on Rent
  • − No reward on Insurance
  • −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

₹0

Net Value

+₹3000

✅ 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

No, it is primarily a virtual credit card issued instantly upon approval. You can use it for online transactions and link it to UPI apps right away.

The Axis Bank Kwik Credit Card is a lifetime-free card. It has no joining fee and no annual fee.

You earn 2 EDGE REWARD points per ₹200 spent on UPI transactions of ₹2,000 or more. No points are earned for UPI transactions below ₹2,000.

The standard redemption value for 1 Axis Bank EDGE REWARD point is ₹0.20 for statement credit or select vouchers.

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