Axis Bank Low Fee Credit Cards in India 2026

Personalised card : Personalised card with shades of Indian Tricolour. Dedicated 4th embossing line for serving the nation.

Card is virtually lifetime free at ₹20,000 annual card spend
- Annual fee is not charged from the 2nd year onwards, if you spend ₹20,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹20,000 or more in the previous year.

Dining benefits (Dining Delights program) – 15% discount at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.

0.40% benefit on all other card spends : You earn 2 EDGE reward point worth ₹0.40 or 40 paise, on every ₹100 you spend on all purchases.
– 1 reward point = ₹0.20 (20 paise), when you redeem points on Axis Bank’s reward redemption platform.
– No rewards are given on fuel spends.

Fuel surcharge waiver, upto ₹250 per month : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹25000 per month (since the maximum waiver amount is restricted to ₹250 per monthly card statement cycle)

Benefits
– Personalised card for Defence personnel , with shades of the Indian Tricolour.

Drawbacks
– The reward rates on card spending are low.

5% cashback on Freecharge spends : You earn 5% cashback on all Freecharge spends.

2% cashback on ‘local commute’ spends : You earn 2% cashback on local commute expenses.

1% cashback on all other card spends : You earn 1% cashback on all other spends.
- Exceptions : No cashback is given on wallet loads, fuel spends, cash withdrawal, gold & jewellery transactions, returns & reversals, gift card purchases, government & education spends, EMI transactions, purchases converted to EMI, and rental payments.

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get 15% discount (up to ₹500), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500 is required.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will fall below 15%.

Benefits
– Good card for frequent Freecharge users, since you get 5% unlimited cashback on various types of spends
– The Axis Bank Freecharge Plus credit card offers an easy cashback process, without complicated procedures or requirements.
– This credit card has a low annual fee. It also offers a low annual card spend target (of ₹50,000), to get an annual fee waiver from 2nd year onwards.

Drawbacks to consider
– It can only be used as a specialist card along with other cards , since it does not offer attractive rewards on other major spending needs such as shopping and travel.