VISA
Axis BankAxis Bank Rewards Credit Card
Joining₹1K
Annual₹1K/yr
Reward1.6%
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Flat 4% rewards on every purchase, no categories to track
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Complimentary Sony LIV Premium annual subscription
Base earn rate
Earn four EDGE REWARD points for every ₹200 spent using your credit card
EDGE REWARDS
Excludes: Movie, Fuel, Insurance, Wallet, Rent, Utilities, Jewellery, Education, Government, Emi
You will be eligible to earn 1,000 EDGE REWARD Points on achieving annual spends of 1.5 lakhs in your card anniversary year. Applicable to customers onboarded from 1st April, 2025. Spends will be evaluated 60 days after your card anniversary date to ensure any reversals or cancellations are excluded. Eligible customers will be automatically credited with 1,000 EDGE REWARD Points within 90 days of achieving Milestone. Spends on Movie, Fuel, Insurance, Utility, Rent, Wallet, Jewelry, Education, Government Institutions will be excluded from the calculation. Customers are eligible for SonyLIV Premium membership renewal on spending 1.5 lakhs in a card anniversary year. Offer is applicable only on paid cards. Spends threshold will not include Rent and Wallet transactions. Applicable to customers onboarded before 31st March, 2025. Voucher codes for promotional offers will also be sent via SMS to eligible customers within 60 days after the payment of the annual fees.
Domestic
4visits / year
International
Not included
Late payment
Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹ 5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000 An additional charge of ₹100 will be levied on missing payment of MAD by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared
Employment types
Additional features
No rewards on
Movie · Fuel · Insurance · Wallet · Rent · Utilities · Jewellery · Education · Government Institutions · Emi
Card management via Axis Bank Mobile App.
Remaining 65% of spend earns the 0.4% base rate.
Rewards / year
₹8,160
≈ 1.36% effective
Annual fee
₹0 (waived)
waived at ₹1,50,000/yr spend
Net steady-state return
+₹8,160/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹8,160 a year.
One-time joining fee (year 1 only): ₹500
One-time welcome benefit — Complimentary Sony LIV Premium annual subscription historically offered; being discontinued from 1 Apr 2026 per issuer T&C revision. From 1 Apr 2026, 1,000 EDGE REWARD Points on ₹1.5 lakh annual spend replaces it.
Based on published rates as of 2026-08-07; assumes 1 EDGE REWARD Point = ₹0.20 (issuer worked example: 1495 pts = INR 299 at partner store; standard EDGE REWARD Point cashback value 0.20 Rupee/point in EDGE REWARDS FAQ). Rewards estimates, not guarantees.
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Axis Bank🔒 Secure & Free
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