Axis Bank Fixed Deposit Credit Cards in India 2026

No annual fee – lifetime free card : There is no annual fee on this card.

Fixed deposit based credit card (income proof not required, credit history not required)
– Card is issued against your fixed deposit (minimum FD of ₹20,000). Hence income proof is not required, credit history is also not required
– You get flexible credit limit, upto 80% of your fixed deposit amount
– 100% cash withdrawal (as much as card credit limit) on your card – hence you have full access to your money in case of emergencies

15% discount (upto ₹500) at restaurants in India – in partnership with EazyDiner
– This offer is valid once a month, on a minimum order amount of ₹2500
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders more than ₹3333, discount percentage falls below 15%, since the maximum discount is fixed at ₹500.

1.20% benefit on purchases outside India
– You earn 6 EDGE reward points worth ₹1.20, on every ₹100 you spend on your card outside India
– 1 EDGE reward point = ₹0.20 or 20 paise, and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.

0.60% basic benefit on all purchases in India
– You earn 3 EDGE reward points worth ₹0.60, on every ₹100 you spend on your card in India
– 1 EDGE reward point = ₹0.20 or 20 paise, and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.
– Exceptions : You earn no reward points on fuel spends.

1% fuel surcharge waiver at all fuel stations, upto ₹400 per month
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40,000 per month (since cashback is capped at ₹400 per month)

Benefits from Visa
– Visa Platinum Concierge : You get a 24/7 digital personal assistant and lifestyle guide, giving you access to extraordinary experiences and exclusive privileges.
– Offers from Visa : You enjoy a variety of exclusive hotel, dining, shopping, and other lifestyle offers when you travel in Asia
– Global Customer Assistance : This service helps you block your card, get a replacement card and also get emergency cash

Benefits
– Good card to build credit history, which can help you get better credit cards in the future
– Card is lifetime free
– The card gives you cash availability in case of emergencies – cash withdrawal limit is 100% of your card credit limit

Drawbacks to consider
– You need to open a fixed deposit to get this card
– Better benefits are available on other cards