VISA
Axis BankAxis Bank Rewards Credit Card
Joining₹1K
Annual₹1K/yr
Reward1.6%
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Flat 5% rewards for consistent high spenders
Independent comparison platform. Not affiliated with Axis Bank. Full disclaimer
2500 EDGE Miles as welcome benefit upon first transaction within 37 days from the date of card issuance
Base earn rate
2 EDGE Miles on other spends
EDGE Miles
Excludes: Gold, Jewellery, Rent, Wallet, Government Institution, Insurance, Fuel, Utilities, Telecom
Redemption value
Late payment
Nil if total payment due is up to ₹500; ₹500 if total payment due is between ₹501 and ₹5,000; ₹750 if total payment due is between ₹5,001 and ₹10,000; ₹1,200 if total payment due is greater than ₹10,000; Additional ₹100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared
Employment types
Required documents
Additional features
No rewards on
Gold · Jewellery · Rent · Wallet · Government Institution · Insurance · Fuel · Utilities · Telecom
Card management via Axis Bank Mobile App.
Remaining 80% of spend earns the 2% base rate.
Rewards / year
₹15,600
≈ 2.60% effective
Annual fee
₹5,000
no published waiver
Net steady-state return
+₹10,600/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹10,600 a year.
One-time joining fee (year 1 only): ₹5,000
One-time welcome benefit: ~₹2,500 — 2500 EDGE Miles (=INR 2500) upon completing 1 transaction within 37 days of card issuance; applicable for paid cards sourced from 20th April 2024 onwards.
Based on published rates as of 2026-08-07; assumes 1 EDGE Mile = INR 1 per issuer T&C; redeemable for flights, hotels & experiences via Axis Bank Travel EDGE portal / Mobile app, or convertible to partner airline/hotel miles under the Miles Transfer program (dynamic ratios; transfer capped 1,50,000 EDGE Miles/customer-id/calendar year). EDGE Miles cannot be en-cashed.. Rewards estimates, not guarantees.
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Axis Bank🔒 Secure & Free
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