Axis Bank REWARDS Credit Card
Fees
₹1,000 + Taxes
Joining & annual
Reward 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
8 Domestic/yr (2/Qtr)
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10X at apparel and department stores
Max 1,008 bonus points per statement month
Reached after about ₹7,000 of spend
Where this card earns most
Paying directly in the app or site · 0.32% on other spends
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
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
Spend milestone
Spend-based point boosts and fee-related benefits at higher annual spend levels (specific thresholds not clearly disclosed; confirm with Axis)
Fees & Charges
Joining fee
₹1,000 + Taxes
Annual fee
₹1,000 + Taxes
Annual fee waived on ₹2 Lakh annual spend (for cards issued on/after March 2023)
Interest rate
Subject to Axis Bank standard tier dynamic credit interest structures
Late payment fee
Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (700+)
Frequently Asked Questions
What's the reward rate on Axis Bank REWARDS card?
How many lounge visits does this card offer?
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 |