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Axis Bank Rewards Credit Card

Axis Bank Rewards Credit Card

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

Join / Annual

₹0/₹1000

Base Rate

1.6%

Reward Type

Points

Overview

The Axis Bank Rewards Credit Card is a Mid credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 1.6% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹1,000
Eligibility: Net income of ₹6,00,000 per annum. Age: 18-70 years.

Reward Rates & Cashback Rules

  • CATEGORY – Apparel & Departmental Stores: 16.0% cashback | monthly cap ₹224.0 ⚠️ 10X rate applies on first ₹7,000 spends per month. Base rate applies thereafter.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Transportation & Tolls: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: 5,000 EDGE Reward Points on spending ₹1,000 within the first 30 days of card issuance.
  • Monthly Milestone Benefit 🏆: Earn 1,500 bonus EDGE Reward Points on spending ₹30,000 or more in a statement cycle.
  • Domestic Lounge Access ✈️: 2 complimentary domestic lounge visits per quarter, subject to spending ₹50,000 in the previous 3 months.
  • Swiggy Discount 🍔: 30% off up to ₹150 on Swiggy food delivery (orders >₹500), twice per month. Use code: AXISREWARDS.
  • Dining Delights 🍽️: Up to 15% discount (max ₹500) at partner restaurants via the Axis Bank Dining Delights program.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.

Eligibility Criteria

Net income of ₹6,00,000 per annum. Age: 18-70 years.

Features & Benefits

🎁

Welcome Benefit

5,000 EDGE Reward Points on spending ₹1,000 within the first 30 days of card issuance.

🏆

Monthly Milestone Benefit

Earn 1,500 bonus EDGE Reward Points on spending ₹30,000 or more in a statement cycle.

✈️

Domestic Lounge Access

2 complimentary domestic lounge visits per quarter, subject to spending ₹50,000 in the previous 3 months.

🍔

Swiggy Discount

30% off up to ₹150 on Swiggy food delivery (orders >₹500), twice per month. Use code: AXISREWARDS.

🍽️

Dining Delights

Up to 15% discount (max ₹500) at partner restaurants via the Axis Bank Dining Delights program.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.

Cashback Engine Rules

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

Apparel & Departmental Stores
Reward: 16.0% Monthly Cap: ₹224.0
⚠️ Exceptions: 10X rate applies on first ₹7,000 spends per month. Base rate applies thereafter.
16%
Fuel Exclusion
Insurance Exclusion
Rent Exclusion
Wallet Load Exclusion
Utilities Exclusion
Government Services Exclusion
Education Exclusion
Transportation & Tolls Exclusion

Value Chart

Assuming basic spends for Axis Bank Rewards Credit Card

Category Axis Bank Rewards Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹1000 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.6% 5.0% 5.0% 1.0%
★
Known Rules 		9 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + Apparel & Departmental Stores — 16.0% Points (cap ₹224.0)
  • + Welcome Benefit
  • + Monthly Milestone Benefit
  • + Domestic Lounge Access
  • + Swiggy Discount
✗

Cons

  • − No reward on Fuel
  • − No reward on Insurance
  • − No reward on Rent
  • − No reward on Wallet Load
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹4800

Annual Fee

₹1000

Net Value

+₹3800

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

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 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 ₹1,000 + GST. This fee is waived if you spend ₹2,00,000 or more in the preceding card anniversary year.

You earn 10X EDGE Rewards (16 points per ₹100) on apparel and departmental store spends. This accelerated rate is applicable on the first ₹7,000 spent in these categories per statement month.

The card offers 2 complimentary domestic lounge visits per quarter. However, this benefit is conditional on spending a minimum of ₹50,000 in the previous three-month period.

Yes, spends on fuel, insurance, rent, wallet loads, utility bills, government services, and educational payments are excluded from earning EDGE Reward Points.

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