Axis Bank Lifetime Free (No Annual Fee) 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

₹120 discount (upto 24% per order) on Swiggy - twice a month
– You can avail this discount 2 times a month
– You get ₹120 discount, on orders of ₹500 and above, twice a month
– You need to use coupon code AXIS120 , to claim the offer

BOGO (Buy One Get One) offer on Paytm Movies - upto ₹200 per month

Upto ₹1000 discount at Ajio
– You get upto ₹1000 discount at Ajio, on a minimum order amount of ₹2999
– Discount is only applicable on a selected list of products.

Complimentary domestic airport lounge access – once a quarter

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 points worth ₹0.40 (40 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– No rewards are given on movie transactions, fuel spends, insurance spends, EMI transactions, wallet-loading transactions, utility payments, payment to government institutions & educational institutions, rental payments, rental brokerage.

Fuel surcharge waiver, upto ₹400 per month : You get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹40000 per month (since the maximum waiver amount is restricted to ₹400 per monthly card statement cycle)

Benefits
– Good discounts at select partners – Ajio, Swiggy, Paytm Movies, EazyDiner.
– Complimentary domestic airport lounge access (once per quarter) and complimentary SonyLiv subscription

Drawbacks to consider
– Reward rates on card spending are low.

10% discount on Myntra - on a select catalogue
– You get a flat 10% discount on all orders above ₹500 (minimum order amount needs to be ₹500)
– There is no restriction on the number of times you can avail this discount. There is also no restriction on the maximum discount amount per order..
– Discount is applicable on a selected Myntra collection for Axis Neo customers

5% discount (upto ₹150 per month), on utility bill paid through Amazon Pay - mobile recharge || broadband bill payment || DTH recharge
– You can avail this offer 1 time per month
– You get 5% discount on your utility bill (mobile recharge, broadband bills or DTH recharge) paid through Amazon Pay
– This is valid only on bill payment upto ₹3000 per month, since the maximum discount is capped at ₹150 per monthly card statement cycle.

10% discount (upto ₹250) on Blinkit (online groceries) - once per month
– You can avail this offer 1 time per month.
– You get a 10% discount (upto ₹250) on Blinkit orders, on minimum orders of ₹750, once a month.
– Hence you get a 10% discount on orders between ₹750 and ₹2500, once a month. On orders above ₹2500, discount percentage will fall below 10%.

40% discount on Zomato (upto ₹120 per order), on 2 orders every month
– You get a 40% discount (upto ₹120) on Zomato orders, on minimum orders of ₹200, twice every month.
– Hence you get a 40% discount on orders between ₹200 and ₹300, on 2 orders every month. On orders above ₹300, discount percentage will fall below 40%.

10% discount (upto ₹100 per month) on movie tickets - at BookMyShow
– You get 10% discount, on total movie ticket purchases of upto ₹1000 per month (since maximum discount is ₹100 per month).
– On purchases above ₹1000, discount percentage will fall below 10%
– The discount can be availed any number of times, but the maximum discount is capped at ₹100 per month.

Dining benefits through EazyDiner (Dining Delight program), upto ₹500 per month
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide. Minimum order amount required is ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333, on 2 orders each month. On orders above ₹3333, your discount percentage will fall below 15%.

0.10% benefit on all cards spends
– You earn 0.5 EDGE Reward point worth 10 paise, on every ₹100 you spend on all card purchases.

Benefits
– Attractive benefits at select partners – Myntra, Zomato, Blinkit, Amazon Pay (for bill payments), BookMyShow, EazyDiner.
– Low annual fee of ₹250. Lifetimefree card offers from time to time, and also on select channels.

Drawbacks
– You may need to look at other credit cards to get high rewards on other major spending needs like travel, fuel purchases etc.

3% cashback on the following card spends - online food delivery || local commute || entertainment
- You get ₹3 cashback, on every ₹100 you spend in these categories

1% cashback on all other card spends
- You get ₹1 cashback, on every ₹100 you spend on all other card purchases
- Exceptions : You do not get any reward points on wallet reloads, rental payments, cash withdrawals, fuel spends, gift cards, insurance, jewelry, government services, education, EMI transactions, UPI transactions of less than Rs. 2000

Restriction on cashback : You can get a maximum cashback of ₹1500 per month

Complimentary access to airport lounges in India - 4 times per year

Fuel surcharge waiver
- You get a 1% fuel surcharge waiver only on fuel transactions between ₹400 and ₹5000.
- And on fuel purchases of upto ₹40000 per month, since the maximum waiver amount is restricted to ₹400 per month.

Dining benefits through EazyDiner partnership – 15% discount (upto ₹500), once per month
– Valid once a month.
– You get a 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
- Lifetime free card, UPI enabled
- Good starter card

Drawbacks to consider
- You can get comparatively higher reward rates on your card spending, especially on large purchases like travel and shopping

0.50% reward on all card spends
- You get 1 reward point worth ₹0.25, on every ₹100 you spend on your card
- Exceptions : You do not get any reward points on wallet reloads, rental payments, cash withdrawals, fuel spends, jewelry, government services, education, EMI transactions, UPI transactions of less than Rs. 2000

Fuel surcharge waiver
- You get a 1% fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000.
- And on fuel purchases of upto ₹15000 per month, since the maximum waiver amount is restricted to ₹150 per month.

Benefits
- Lifetime free card, UPI enabled
- Good starter card

Drawbacks to consider
- You can get comparatively higher reward rates on your card spending, especially on large purchases like travel and shopping