Question 1

What is the annual fee on the Axis Bank AURA Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

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

Accepted Answer

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.

Question 4

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

Accepted Answer

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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Axis Bank AURA Credit Card

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