Question 1

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

Accepted Answer

The Kwik Axis Bank 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 Kwik Axis Bank Credit Card?

Accepted Answer

You earn 2 points per ₹200 on domestic and international transactions. Each point is worth about ₹0.2 when you redeem it well, so ₹10,000 of top category spend gives you 100 points, roughly ₹20, which is about 0.2% back. Fuel, Wallet Load, Rental Payments, Cash Withdrawals earn nothing at all.

Question 3

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

Accepted Answer

Fuel, Wallet Load, Rental Payments, Cash Withdrawals, Insurance, Repayments earn nothing on this card. 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 Kwik Axis Bank 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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Kwik Axis Bank Credit Card

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