What is the annual fee for Axis Bank Kwik Credit Card?

The Axis Bank Kwik Credit Card is completely free with no annual charges and zero joining fee, making it ideal for those seeking a cost-effective entry-level card.

How to apply for Axis Bank Kwik Credit Card?

You can apply for the Axis Bank Kwik Credit Card through Axis Bank's official website, mobile app, or at any branch. The application process is streamlined for quick approval.

What rewards does Axis Bank Kwik Credit Card offer?

The card earns 1% EDGE REWARD Points on all your purchases. These points accumulate and can be redeemed as per Axis Bank's redemption options available to cardholders.

What are the eligibility criteria for Axis Bank Kwik Credit Card?

Specific eligibility criteria are not detailed here. Generally, you'll need to be an Indian resident with a stable income and good credit history. Visit Axis Bank's website or contact their team for exact requirements.

Does Axis Bank Kwik Credit Card offer airport lounge access?

Lounge access details are not specified for this entry-level card. Given its basic tier positioning, it may not include premium travel benefits—check with Axis Bank for specific inclusions.

Is Axis Bank Kwik Credit Card worth it?

It's worth considering if you want a no-cost entry into credit building with basic reward earning. The lifetime free structure suits casual spenders who don't need premium benefits, though the 1% reward rate is modest for high-spend users.

Credit Cards

Entry-LevelEntryRuPay✦ Kwik

Axis Bank Kwik Credit Card

No-cost credit card for everyday spenders

Annual feeLifetime Free

Rewards1.00%1 EDGE REWARD Point per ₹100

Forex markup3.5%3.5% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Axis Bank. Full disclaimer

Rewards

Base earn rate

Earn 2 EDGE REWARD points on every ₹200 spent on domestic and international transactions.

EDGE REWARDS

Excludes: Wallet Load, Fuel, Rental Payments, Cash Withdrawals, Insurance, Repayments, Jewellery, Education, Government Services, EMI Transactions, Credit Card On Upi Transactions Less Than 2000

• Redemption fee: ₹99

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: Nil
Annual / renewal fee: Lifetime free
Add-on card fee: Free
Interest rate: 3.70% p.m. (44.40% p.a.)
Interest-free period: 50 days
Cash advance fee: Min. ₹500 up to 2.5% of the cash withdrawal amount
Overlimit fee: 2.5% of the over limit amount (Min ₹500)
Payment dishonour: ₹500
Forex markup: 3.5% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹150/cycle

Late payment

Nil if total payment Due is up to ₹500 ₹500 if total payment due is between ₹501 - ₹5000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is ₹10,001 and above 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 the MAD is cleared.

View official MITC →

Features

✓ UPI linkage✓ International usage

Additional features

instant_virtual_card
upi_integration
digital_activation
card_control_settings

No rewards on

Wallet Load · Fuel · Rental Payments · Cash Withdrawals · Insurance · Repayments · Jewellery · Education · Government Services · EMI Transactions · Credit Card On Upi Transactions Less Than 2000

Card management via Axis Bank Mobile App.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Rewards / year

₹1,200

≈ 0.20% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹1,200/year

Roughly breaks even at this spend

At ₹50,000/month, rewards and fee land within ₹1,200 of each other.

Apply Now Check Eligibility →

See cards that fit ₹10,000/month →

Based on published rates as of 2026-08-07; assumes 1 EDGE REWARD Point = Rs. 0.20 per issuer EDGE REWARDS T&C cashback table (also implied by merchant redemption example: 1495 points worth INR 299); min 2,500 points to redeem for cashback. Rewards estimates, not guarantees.

FAQs

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Credit Cards

Entry-LevelEntryRuPay✦ Kwik

Axis Bank Kwik Credit Card

No-cost credit card for everyday spenders

Annual feeLifetime Free

Rewards1.00%1 EDGE REWARD Point per ₹100

Forex markup3.5%3.5% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Axis Bank. Full disclaimer

Rewards

Base earn rate

Earn 2 EDGE REWARD points on every ₹200 spent on domestic and international transactions.

EDGE REWARDS

Excludes: Wallet Load, Fuel, Rental Payments, Cash Withdrawals, Insurance, Repayments, Jewellery, Education, Government Services, EMI Transactions, Credit Card On Upi Transactions Less Than 2000

• Redemption fee: ₹99

Lounge access

Domestic

0visits / year

International

Not included

Fees & charges

Joining fee: Nil
Annual / renewal fee: Lifetime free
Add-on card fee: Free
Interest rate: 3.70% p.m. (44.40% p.a.)
Interest-free period: 50 days
Cash advance fee: Min. ₹500 up to 2.5% of the cash withdrawal amount
Overlimit fee: 2.5% of the over limit amount (Min ₹500)
Payment dishonour: ₹500
Forex markup: 3.5% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹150/cycle

Late payment

View official MITC →

Features

✓ UPI linkage✓ International usage

Additional features

instant_virtual_card
upi_integration
digital_activation
card_control_settings

No rewards on

Card management via Axis Bank Mobile App.

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Rewards / year

₹1,200

≈ 0.20% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹1,200/year

Roughly breaks even at this spend

At ₹50,000/month, rewards and fee land within ₹1,200 of each other.

Apply Now Check Eligibility →

See cards that fit ₹10,000/month →

Axis Bank Kwik Credit Card

Explore related credit cards

Guides and tools

Axis Bank Kwik Credit Card

Explore related credit cards

Guides and tools