Axis Bank REWARDS Credit Card
Fees
₹1,000 + Taxes
Joining & AnnualReward Rate
10X EDGE Points per ₹125 on apparel & department stores (up to ₹7,000 spend/month); 2X EDGE Points per ₹125 on other spends
Welcome Bonus
5,000 EDGE Reward Points on ₹1,000+ spend within 30 days of issuance
Lounge Access
8 Domestic/yr (2/Qtr)
FindMyCard Expert Take
Axis Bank REWARDS is a free everyday card offering up to 10X points on select spending categories, along with lounge access and dining discounts. Several specifics (which categories qualify for 10X, the exact welcome bonus) aren't clearly disclosed in the terms we have on file, so confirm current details with Axis before applying if those numbers matter to your decision.
Pros & Cons
Key Advantages
- 10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month
- Instant savings on food delivery platforms including Swiggy
- Complimentary airport lounge access included
- Dining discounts at partner restaurants
Limitations
- Core daily utility billing lines, fuel swiping, and cash advances are restricted or carry heavily reduced yield structures
- Maximum benefit realization is gated under category capping ceilings enforced per statement cycle
Editorial Verdict
The Axis Bank REWARDS Credit Card is ideally suited for everyday rewards, online shopping, food delivery, and partner app discounts. If you want 10x edge points per ₹125 on apparel & department stores (up to ₹7,000 spend/month); 2x edge points per ₹125 on other spends, this card delivers real value. The ₹1,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (700+) credit to be approved.
Key Perks & Spending Milestones
Up to 10X reward points on select everyday spending categories
Exclusive promotional discounts and instant cashback coupon features applied directly on Swiggy and associated delivery applications
Complimentary domestic airport lounge terminal access limits added natively into the cardholder's profile pass
Up to 15% discount or premium tier savings across fine dining networks through the Axis Bank Dining Delights program
Points redeemable for lifestyle vouchers, brand gifts, or merchandise via the EDGE Rewards app
1% fuel surcharge waiver shield protection covering valid domestic petroleum pump transactions
🚀 Milestone Spends Timeline
Spend-based point boosts and fee-related benefits at higher annual spend levels (specific thresholds not clearly disclosed; confirm with Axis)
Fees & Charging Rates
Annual Fee Waivers
₹1,000 + Taxes
💡 Annual fee waived on ₹2 Lakh annual spend (for cards issued on/after March 2023)
Regular Interest Charges
Subject to Axis Bank standard tier dynamic credit interest structures
📅 Late Payment Fee Penalty Tiers
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Compare Axis Bank REWARDS Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank REWARDS Credit Card This Card | ₹1,000 + Taxes | 10X EDGE Points per ₹125 on apparel & department stores (up to... | 8 Domestic/yr (2/Qtr) | 4.0/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |