What is the reward rate on the Axis Bank AURA Credit Card?

You earn 2 points for every ₹200 spent, and 10 points per ₹200 in the accelerated category. At roughly ₹0.2 a point, that is about 0.2% back on regular spends. On ₹10,000 of monthly spend you collect around 100 points, worth roughly ₹20.

Which spends do not earn rewards on the Axis Bank AURA Credit Card?

Utilities, Educational Services, Government Institutions, Wallet, Rent, Fuel earn nothing on this card. 5X rewards on insurance is valid on transactions up to ₹10,000. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

What changed on the Axis Bank AURA Credit Card recently and is it still worth it in 2026?

Axis portfolio-wide: forfeiture-on-closure (Oct 2025), MCC exclusion redefinition (Jun 2025), Apr 2026 devaluation. The changes are dated Oct 1, 2025; Apr 2, 2026. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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Card Details

7589 9284 9138 4151

Axis Bank AURA Credit Card

AXISVISA

Card Issuer

Axis Bank

Joining Fee

Zero

Annual Fee

₹749

Reward Type

—

Card Access

Standard

Changes to this card

28 Aug 2026
Official product page updated.

Offers from Axis Bank

See all

8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026

Earn Points

10pts

/₹200 on All Eligible Spends

20%

Off at 4000+ Diningdelights Partners

Benefits

Fuel

1% Fuel Surcharge Waiver on All Fuel

Insurance

Purchase Protection Cover up to ₹1,00,000

Credit Shield Cover up to ₹1,00,000
Travel Document Loss Cover up to $300
Baggage Delay Cover up to $300

Shopping

Min 30% Off Nutritional & Dietary Consults

Welcome Benefits

Lifetime Free — No Annual Fee

What Users Are Saying

Community Feed

Jul 2025

Axis Bank AURANEUTRAL

“How to get Axis Aura card?”

by r/CreditCardsIndia, Jul 2025

Axis Bank AURANEUTRAL

“Axis Vistara or Axis Aura Health Card Offer.”

by r/CreditCardsIndia, Jul 2024

Axis Bank AURAPOSITIVE

“Which was once a great card but lost it's aura after”

by r/CreditCardsIndia, Jul 2025

Axis Bank AURANEUTRAL

“Slice and Axis Bank Credit Card”

by r/CreditCardsIndia, Feb 2026

Axis Bank AURANEUTRAL

“Help Me To Get Axis Bank Credit Card”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

The Axis Bank AURA Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Axis Bank prices some variants differently.

RECENT CHANGES

Terms were revised recently — verify current fee, reward and exclusion terms before you apply.