Best Axis Bank Credit Cards 2026

Axis Bank credit cards are known for their EDGE rewards program. Top picks include Atlas, Vistara Signature, Ace and the exclusive Reserve card.

Top Axis Bank Credit Cards in India 2026

Axis Bank Reserve Credit Card

4.9/5
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Axis Bank Reserve Credit Card by Axis Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Ultra High Net Worth Individuals & Luxury Travelers
Rewards Type Reward Points

Rewards Rate

15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200 international spend

Welcome Benefits

50,000 EDGE reward points on card activation & fee payment

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic and international lounge access for primary & add-on cardholders + 12 guest visits/year
  • ✓ 50,000 EDGE reward points welcome benefit (worth up to ₹20,000+ on travel transfer)
  • ✓ Complimentary luxury hotel memberships (ITC Culinaire, Accor Plus, Oberoi Hotels)
  • ✓ Low foreign currency exchange markup of 1.5% + Taxes
  • ✓ Unlimited golf games globally & 24x7 VIP concierge services

Limitations

  • ✕ High joining & annual fee of ₹50,000 + Taxes
  • ✕ High income & spend criteria (₹35 Lakh for fee waiver)
  • ✕ Designed exclusively for super-premium high spenders
Full Card Review →

Axis Bank ATLAS Credit Card

4.8/5
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Axis Bank ATLAS Credit Card by Axis Bank
Joining Fee ₹5,000 + Taxes
Annual Fee ₹5,000 + Taxes
Best Suited For Frequent Travelers & Airline/Hotel Miles Transfers
Rewards Type Reward Points

Rewards Rate

5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends

Welcome Benefits

5,000 EDGE Miles upon completing 1st transaction within 30 days

Card Details +

Key Advantages

  • ✓ 1 EDGE Mile = 2 Partner Miles / Hotel Points (1:2 transfer ratio across 12+ airline & hotel partners)
  • ✓ 5 EDGE Miles per ₹100 spent on flight & hotel bookings
  • ✓ Tiered privileges (Silver, Gold, Platinum) with milestone bonus miles up to 10,000 miles
  • ✓ Complimentary domestic & international airport lounge visits
  • ✓ Flexible redemption directly on airline/hotel loyalty programs

Limitations

  • ✕ ₹5,000 annual fee non-waivable via spend milestone (offset by tier miles)
  • ✕ 5X travel miles apply only up to ₹2,00,000 monthly spend; drops to 2X beyond that
  • ✕ Reward redemption requires transferring to partner loyalty accounts
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Axis Bank Burgundy Private Credit Card

4.8/5
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Axis Bank Burgundy Private Credit Card by Axis Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Axis Burgundy Private Banking Clients & Ultra-High Net Worth Travelers
Rewards Type Reward Points

Rewards Rate

15 EDGE Reward points per ₹200 spent on retail and international transactions

Welcome Benefits

30,000 EDGE Reward points, or a luxury welcome gift, on activation

Card Details +

Key Advantages

  • ✓ Points transfer at 5:4 to 20+ airline and hotel partners (5:2 for Lotusmiles, Finnair Plus & British Airways Club)
  • ✓ Unlimited complimentary domestic and international lounge access for primary and add-on cardholders, plus guests
  • ✓ Zero forex markup on international spends

Limitations

  • ✕ Massive upfront annual card fee barrier of ₹50,000 for standard applications
  • ✕ Requires strict adherence to multi-crore private banking wealth benchmarks with Axis Bank
  • ✕ Reward points collection excludes baseline routine categories like fuel and rent
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Axis Bank Magnus Credit Card

4.6/5
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Axis Bank Magnus Credit Card by Axis Bank
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Best Suited For Luxury Travelers & High Spenders
Rewards Type Reward Points

Rewards Rate

35 EDGE Miles per ₹200 on travel bookings; 12 EDGE Miles per ₹200 on all other spends

Welcome Benefits

25,000 EDGE Miles on first transaction within 30 days

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic & international airport lounge access
  • ✓ 25,000 EDGE Miles welcome bonus
  • ✓ 35 EDGE Miles per ₹200 on travel bookings
  • ✓ 1 EDGE Mile converts to 2 airline miles on transfer
  • ✓ 8 complimentary golf rounds per year globally

Limitations

  • ✕ ₹12,500 annual fee
  • ✕ Requires ₹25 lakh in annual spend to waive the fee, difficult for most cardholders
  • ✕ Very high income eligibility (₹3 Lakh/month)
  • ✕ Best value only for those spending ₹5 Lakh+ per month
  • ✕ Quarterly milestone bonus of 25,000 EDGE Miles has been discontinued
  • ✕ Buy 1 Get 1 movie ticket offer (BookMyShow) and Airport Meet & Greet services removed
  • ✕ Government, utilities, telecom, insurance, fuel, and gold/jewellery transactions completely excluded from earning EDGE reward points
Full Card Review →

Axis Bank ACE Credit Card

4.6/5
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Axis Bank ACE Credit Card by Axis Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Utility Bills Payments via Google Pay & General Everyday Cashback Optimization
Rewards Type Cashback

Rewards Rate

5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola; 1.5% on other retail spends

Welcome Benefits

Direct cashback applied to your inaugural billable transaction cycle post activation

Card Details +

Key Advantages

  • ✓ 5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay
  • ✓ 4% cashback on Swiggy, Zomato and Ola
  • ✓ 4 complimentary domestic lounge visits per year across India

Limitations

  • ✕ The 5% utility rate only applies to payments made through the Google Pay app
  • ✕ No international lounge access, domestic only
Full Card Review →

Axis Bank Horizon Credit Card

4.5/5
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Axis Bank Horizon Credit Card by Axis Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Mid-tier Travel & Airline Point Transfers
Rewards Type Reward Points

Rewards Rate

5 EDGE Horizon points per ₹100 on travel; 2 points per ₹100 on general spends

Welcome Benefits

3,000 EDGE Horizon points on card activation

Card Details +

Key Advantages

  • ✓ 5 EDGE Horizon points per ₹100 spent on flight and hotel bookings
  • ✓ Direct points transfer to partner airline and hotel loyalty programs
  • ✓ 8 complimentary domestic airport lounge access visits per year
  • ✓ Annual fee waiver on achieving ₹3.5 Lakh retail spend milestone

Limitations

  • ✕ ₹3,000 annual fee charged upfront
  • ✕ Base earn rate of 2 points per ₹100 on general retail spends is moderate
  • ✕ Forex markup fee of 3.5% applies on foreign transactions
Full Card Review →

Axis Bank Privilege Credit Card

4.3/5
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Axis Bank Privilege Credit Card by Axis Bank
Joining Fee ₹1,500 + Taxes
Annual Fee ₹1,500 + Taxes
Best Suited For Lifestyle Shopping & Multi-brand Rewards
Rewards Type Reward Points

Rewards Rate

10 EDGE reward points per ₹200 spent on retail purchases

Welcome Benefits

₹5,000 multi-brand shopping vouchers on achieving ₹2.5 Lakh annual spend milestone

Card Details +

Key Advantages

  • ✓ 10 EDGE reward points per ₹200 spent on all retail transactions
  • ✓ Double reward points (20 EDGE points per ₹200) on domestic & international travel
  • ✓ ₹5,000 worth of shopping vouchers on card activation & milestone completion
  • ✓ 2 complimentary domestic airport lounge access visits per quarter
  • ✓ Annual fee waiver on ₹2.5 Lakh annual spends

Limitations

  • ✕ ₹1,500 annual fee charged upfront
  • ✕ Standard reward point value for cash credit is ₹0.20 per point
  • ✕ Lounge access subject to quarterly spend criteria
Full Card Review →

Axis Bank Primus Credit Card

4.0/5
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Axis Bank Primus Credit Card by Axis Bank
Joining Fee ₹50,000* Plus Applicable Taxes
Annual Fee ₹50,000* Plus Applicable Taxes
Best Suited For Ultra-High Net Worth Individuals (UHNWIs), Elite Global Lifestyle, and High-Parity Travel Miles Conversion
Rewards Type Reward Points

Rewards Rate

1 EDGE Mile per ₹100 spent, transferable at 1:5 to 20+ airline & hotel partners including Marriott, Qatar Airways & Singapore Airlines

Welcome Benefits

Choose any 1 option from: 25,000 EDGE Miles OR an ITC Hotels e-gift card worth ₹40,000 for participating properties

Card Details +

Key Advantages

  • ✓ Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card
  • ✓ Airport meet-and-assist and luxury vehicle transfer services included
  • ✓ Generous guest allowance for lounge visits
  • ✓ Zero forex markup on international spends
  • ✓ Companion airfare offers on select bookings

Limitations

  • ✕ Requires high up-front membership fee parameters if not optimized via private banking program balances
  • ✕ Strictly restricted via specialized invitation parameters from the issuer
  • ✕ Optimized features are predominantly weighted into global premium travel and luxury hotel categories over domestic day-to-day shopping categories
Full Card Review →

Axis Bank REWARDS Credit Card

4.0/5
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Axis Bank REWARDS Credit Card by Axis Bank
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Everyday Rewards, Online Shopping, Food Delivery, and Partner App Discounts
Rewards Type Reward Points

Rewards 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 Benefits

5,000 EDGE Reward Points on ₹1,000+ spend within 30 days of issuance

Card Details +

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
Full Card Review →

Axis Bank My Zone Credit Card

4.0/5
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Axis Bank My Zone Credit Card by Axis Bank
Joining Fee Nil (1st Year Free)
Annual Fee ₹500 + Taxes
Best Suited For Everyday Entertainment, Movie Ticket Bookings, Food Delivery, and Co-branded Partner Discounts
Rewards Type Reward Points

Rewards Rate

4 EDGE Reward Points per ₹200 spent (0.4% base rate); excludes fuel, utilities, rent, insurance & EMI

Welcome Benefits

Complimentary 1-year SonyLIV Premium subscription (worth ₹1,499) on first purchase within 30 days

Card Details +

Key Advantages

  • ✓ Discounts on movie tickets and food delivery apps
  • ✓ Complimentary domestic airport lounge access

Limitations

  • ✕ Base reward points multiplier features a relatively modest yield floor on standard everyday card spends outside target milestones
  • ✕ Core essential categories like routine non-retail utility payments and cash advance withdrawals feature strict capping parameters
Full Card Review →

Axis Bank Cashback Credit Card

3.5/5
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Axis Bank Cashback Credit Card by Axis Bank
Joining Fee 1st Year Fee: ₹1,000* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹1,000* Plus Applicable Taxes
Best Suited For Online Shoppers seeking milestone tier-based cashback yields over multiple digital brands
Rewards Type Cashback

Rewards Rate

Tier-based monthly cashback structure: 2% cashback on monthly online spends up to ₹5,000; 5% cashback on monthly online spends between ₹5,001 to ₹40,000; 7% cashback on monthly online spends above ₹40,000 (Online cashback capped at ₹4,000 per month). 0.75% unlimited cashback on offline & travel spends; 0.5% cashback on utility spends (capped at ₹100 per month).

Welcome Benefits

5,000 EDGE reward points worth ₹1,000 on the first spend within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Up to 7% cashback on monthly online spends above ₹40,000
  • ✓ Welcome bonus offsets the first-year fee
  • ✓ 25% discount on dining bills via EazyDiner
  • ✓ Unlimited 0.75% cashback on offline and travel spends

Limitations

  • ✕ Overall monthly online cashback collection pool is strictly capped at a maximum of ₹4,000
  • ✕ Utility bill payments carry a heavily restricted monthly cashback limit of just ₹100
  • ✕ Requires high online expenditure volume tracking to optimally hit and unlock the upper 7% multiplier target
Full Card Review →

Axis Bank Neo Credit Card

3.0/5
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Axis Bank Neo Credit Card by Axis Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Online Purchases, Food Delivery, and Instant Multi-Brand Discounts
Rewards Type Reward Points

Rewards Rate

1 EDGE Reward Point per ₹200 spent (1 EDGE Point = ₹0.20 on redemption)

Welcome Benefits

100% cashback up to ₹300 on first utility bill payment via Paytm within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
  • ✓ RuPay variant available for UPI payments
  • ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
  • ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
  • ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Limitations

  • ✕ Minimal base reward points earning rate on regular card expenditures
  • ✕ Enforces strict ceiling caps on maximum discount benefits per month across partner platforms
  • ✕ Lacks premium features such as complimentary airport lounge terminal access or golf privileges
Full Card Review →

Airtel Axis Bank Credit Card

4.6/5
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Airtel Axis Bank Credit Card by Axis Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Airtel Subscribers, Monthly Utility Billers, and High-Yield App Spenders
Rewards Type Reward Points

Rewards Rate

25% on Airtel bills; 10% on utility apps; 10% on Swiggy/Zomato/BigBasket; 1% other retail

Welcome Benefits

₹500 Amazon gift voucher code on completing your first eligible retail transaction within 30 days of issuance

Card Details +

Key Advantages

  • ✓ 25% cashback on Airtel Mobile, Broadband, Wi-Fi and DTH recharges through the Airtel Thanks app
  • ✓ 10% cashback on electricity, gas and water bills, plus Swiggy, Zomato and BigBasket
  • ✓ 4 complimentary domestic lounge visits per year across India

Limitations

  • ✕ Cashback is capped monthly per category
  • ✕ The 25% rate only applies to payments made through the Airtel Thanks app
Full Card Review →

Flipkart Axis Bank Credit Card

4.5/5
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Flipkart Axis Bank Credit Card by Axis Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Regular Flipkart Shoppers & E-commerce Spenders
Rewards Type Reward Points

Rewards Rate

7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart & Cleartrip (capped ₹4,000/quarter each); 4% on Swiggy, Uber, PVR & Cult.fit; 1% on other spends

Welcome Benefits

₹500 Flipkart joiner e-voucher + up to ₹600 worth of merchant activation offers

Card Details +

Key Advantages

  • ✓ 7.5% cashback on Myntra, capped at ₹4,000 per quarter
  • ✓ 5% cashback on Flipkart and Cleartrip, capped at ₹4,000 per quarter each
  • ✓ 4% cashback on Swiggy, Uber, PVR and Cult.fit

Limitations

  • ✕ No airport lounge access — this benefit was discontinued in June 2025
  • ✕ No cashback on fuel, wallet loads, or EMI transactions
  • ✕ No reward-point option for travelers who prefer airline miles over cashback
Full Card Review →

IndianOil Axis Bank Premium Credit Card

4.0/5
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IndianOil Axis Bank Premium Credit Card by Axis Bank
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Fuel Spends at IndianOil and Moderate Point-to-Mile Redemptions
Rewards Type Reward Points

Rewards Rate

6 EDGE Miles per ₹150 spent on fuel transactions at authorized IndianOil outlets; 1 EDGE Mile per ₹150 spent on regular purchase streams

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 1:1 redemption ratio when used for IndianOil fuel purchases
  • ✓ Points transfer to 15+ airline and hotel partners at a 2:1 ratio
  • ✓ Up to 30% discount on Zomato
  • ✓ Fee waived on ₹1 lakh in annual spend

Limitations

  • ✕ Core daily utilities, insurance payments, rental charges, and digital wallet top-ups are entirely excluded from reward point generation
  • ✕ Requires at least 500-510 accumulated EDGE Miles before you can redeem
  • ✕ No renewal or annual welcome gift milestones
Full Card Review →

IndiGo Axis Bank Premium Credit Card

3.5/5
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IndiGo Axis Bank Premium Credit Card by Axis Bank
Joining Fee ₹5,000 + Taxes
Annual Fee ₹5,000 + Taxes
Best Suited For Frequent IndiGo Flyers, Co-branded Airline Mile Accumulators, and Domestic Transit Hub Travelers
Rewards Type Reward Points

Rewards Rate

Earn up to 7% IndiGo BluChips on spends executed across authorized IndiGo flight booking networks

Welcome Benefits

Up to 20,000 bonus rewards or welcome perks on card setup and meeting onboarding payment criteria

Card Details +

Key Advantages

  • ✓ Up to 7% back in IndiGo BluChips
  • ✓ Up to 20,000 bonus rewards on activation
  • ✓ Complimentary airport lounge access included

Limitations

  • ✕ BluChips can mostly only be redeemed for IndiGo flights
  • ✕ Day-to-day core non-travel utility bill exclusions follow a standard basic lower yield pattern
Full Card Review →

Axis Bank Credit Cards at a Glance

Best Axis Bank Credit Cards Comparison Table
Card Fee Rating
1. Axis Bank Reserve Credit Card ₹50,000 + Taxes ★ 4.9 View →
2. Axis Bank ATLAS Credit Card ₹5,000 + Taxes ★ 4.8 View →
3. Axis Bank Burgundy Private Credit Card ₹50,000 + Taxes ★ 4.8 View →
4. Axis Bank Magnus Credit Card ₹12,500 + Taxes ★ 4.6 View →
5. Axis Bank ACE Credit Card ₹499 + Taxes ★ 4.6 View →
6. Axis Bank Horizon Credit Card ₹3,000 + Taxes ★ 4.5 View →
7. Axis Bank Privilege Credit Card ₹1,500 + Taxes ★ 4.3 View →
8. Axis Bank Primus Credit Card ₹50,000* Plus Applicable Taxes ★ 4.0 View →
9. Axis Bank REWARDS Credit Card ₹1,000 + Taxes ★ 4.0 View →
10. Axis Bank My Zone Credit Card ₹500 + Taxes ★ 4.0 View →
11. Axis Bank Cashback Credit Card 1st Year Fee: ₹1,000* Plus Applicable Taxes ★ 3.5 View →
12. Axis Bank Neo Credit Card Free ★ 3.0 View →
13. Airtel Axis Bank Credit Card ₹500 + Taxes ★ 4.6 View →
14. Flipkart Axis Bank Credit Card ₹500 + Taxes ★ 4.5 View →
15. IndianOil Axis Bank Premium Credit Card ₹1,000 + Taxes ★ 4.0 View →
16. IndiGo Axis Bank Premium Credit Card ₹5,000 + Taxes ★ 3.5 View →

Frequently Asked Questions

What is Axis Bank's EDGE Rewards program?

EDGE Rewards is Axis Bank's loyalty program across most of its credit cards, letting you earn and redeem points via the EDGE portal for travel, shopping, and more.

Does Axis Bank offer credit cards against a Fixed Deposit?

Yes, cards like the Axis Bank MY Zone Easy and IndianOil Easy are secured against an FD, making them easier to qualify for without an extensive credit history.

What are Axis Bank's top premium credit cards?

Axis Bank Magnus and Axis Bank Reserve/Burgundy Private are the bank's flagship premium cards, offering top-tier travel and lifestyle benefits.

Are there lifetime free Axis Bank credit cards?

Yes, the Axis Bank Neo Credit Card is lifetime free, and several others waive the first year's fee.

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