Card Details
Axis Bank Rewards Credit Card
Monzy Score
8/ 10
Very good for lounge-hungry travellers.
Strong ~4% back in its core category; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% 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
20 pts
/₹125 on Apparel & Dept Stores (up to ₹7K/Mo)
2pts
/₹125 on All Other Spends
Benefits
10X EDGE Points on apparel and departmental spends
- Accelerated shopping rewards
- 20 EDGE Reward Points per ₹125 on apparel/departmental spends
- Base rate of 2 EDGE Points per ₹125 elsewhere
- Accelerated earnings reset to base rate after ₹7,000 monthly spend
2 complimentary domestic lounge visits per quarter
- Domestic lounge access
- Two complimentary domestic lounge visits each quarter
- Benefit available after ₹50,000 spend in prior 3 months
- No international lounge access mentioned
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, gold_jewellery, government
Estimated Returns
Apparel & departmental stores
10X: ~20 EDGE points per Rs 125 on apparel & departmental stores; accelerated points capped at 1008 RP/month (~Rs 201.6, on ~Rs 7000 spend), then base rate.
₹202
All other spends
2 EDGE points per Rs 125 (~1.6 per 100) on general spends.
₹76
Total Annual Return
₹3,329
0.92% Effective ROIWhat Users Are Saying
Community Feed
Nov 2025
“Axis bank rewards cc”
by r/CreditCardsIndia, Nov 2025
“Axis rewards credit card”
by r/CreditCardsIndia, Jul 2024
“Switching from Axis Rewards card to better”
by r/CreditCardsIndia, Jul 2025
“Axis bank rewards card”
by r/CreditCardsIndia, Feb 2026
“Axis Rewards Credit Card is any better?”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Axis Bank REWARDS Credit Card charges ₹1,000 plus GST as a joining fee and the same ₹1,000 again at renewal. Axis Bank waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹1,000 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
10X EDGE Rewards apply only on apparel and departmental spends up to ₹7,000 per month.
Lounge visits require ₹50,000 spend in the preceding 3 months.
EDGE Points are not earned on fuel, rent, insurance, utilities, wallet loads, government, education, transport and toll transactions.
