Axis Bank Points & Rewards Credit Cards in India 2026

▶︎ 5% – 10% special benefit on travel spends
✓ 5% benefit (when you use your reward points for flights & hotel bookings) : 5 reward points (called EDGE Miles) worth ₹5, on every ₹100 spent you spend on travel. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight & hotel bookings on Axis Travel EDGE Portal.
✓ 10% benefit (when you convert your reward points to partner points of airlines & hotels) : 5 reward points (called EDGE Miles) worth 10 partner points of airlines & hotels, on every ₹100 spent you spend on travel purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Travel purchases – means airline & hotel purchases done on Axis Travel EDGE Portal, and on direct airline & hotels. Bookings made through travel agents, including online travel agents are only eligible for basic benefit ( 2 Miles on every ₹100 spent).

▶︎ 2% – 4% basic benefit on all other card spends
✓ 2% benefit (when you use your reward points for flights & hotel bookings) : 2 reward points (called EDGE Miles) worth ₹2, on every ₹100 you spend on all other card purchases. 1 EDGE Mile = ₹1, when you redeem EDGE Miles for flight tickets & hotel bookings on Axis Travel EDGE Portal
✓ 4% benefit (when you convert your reward points to partner points of airlines & hotels) : 2 reward points (called EDGE Miles) worth 4 partner points of airlines & hotels, on every ₹100 you spend on all other purchases. 1 EDGE Mile = 2 partner points of various airlines & hotel partners.
✓ Exceptions : No EDGE Miles given on fuel transactions, insurance (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– 1 EDGE Mile = 2 partner points of above airlines & hotels, except Marriott International where 1 EDGE Miles = 1 partner point.

▶︎ Milestone benefits – based on annual card spends
1. At ₹3 lakh yearly card spend (silver tier) – get 5,000 EDGE Miles (worth ₹5000 OR 10,000 partner points)
2. At ₹7.50 lakh yearly card spend (gold tier) – get 10,000 EDGE Miles (worth ₹10,000 OR 20,000 partner points)
3. At ₹15 lakh yearly card spend (platinum tier) – get 15,000 EDGE Miles (worth ₹15,000 OR 30,000 partner points)
– 1 EDGE Mile = ₹1 (when you redeem EDGE Miles for flight tickets/hotel bookings on Axis Travel EDGE Portal) OR 2 partner points of various airlines & hotel partners.

▶︎ Complimentary international & domestic airport lounge Access – based on tier based system
✓ International airport lounges 
– Silver Tier (at ₹3 lakh yearly card spend) : 4 free visits
– Gold Tier ((at ₹7.50 lakh yearly card spend) : 6 free visits
– Platinum Tier (at ₹15 lakh yearly card spend) : 12 free visits

✓ Domestic airport lounges
– Silver Tier (at ₹3 lakh yearly card spend) : 8 visits per year
– Gold Tier (at ₹7.50 lakh yearly card spend) : 12 visits per year
– Platinum Tier (at ₹15 lakh yearly card spend) : 18 visits per year

▶︎ Complimentary airport concierge services – only for Gold & Platinum Tier cardholders 
– Gold Tier : 2 times per year
– Platinum Tier : 4 times per year
– Service includes assistance across airport processes including check-in, security process, immigration process, and porter services.

▶︎ Complimentary airport pick up services (only for Platinum Tier cardholders) – 2 times per year

Benefits
– Good card for frequent travelers, one can get 10% or more if you use your partner points well
– Good lifestyle benefits for frequent travellers like complimentary lounge access both in India and abroad, concierge services and airport pick up service
– High benefit rate on non-travel purchases as well (4% or more), if you use your partner points well
– Card is virtually free if you spend a minimum of ₹3 lakhs per year

Drawbacks to consider
– High benefit rate is available only if you redeem your reward points on travel purchases, or convert them into partner (airlines & hotels) points. Hence may not be very suitable for those who are not frequent travellers.

2% benefit (in terms of miles), on all card spends
– You get 2 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 2 times per year

Complimentary access to domestic airport lounges – 4 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

16% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for Plus members – only on Flipkart transactions upto ₹2500
– Get 16 SuperCoins on every ₹100 you spend at Flipkart (12 SuperCoins from the card, and 4 SuperCoins which you get without the card on Flipkart)

8% reward (in terms of Flipkart SuperCoins) on Flipkart purchases for non-Plus members – only on Flipkart transactions upto ₹2500
– Get 8 SuperCoins on every ₹100 you spend at Flipkart (6 SuperCoins from the card, and 2 SuperCoins which you get without the card on Flipkart)

2% reward (in terms of Flipkart SuperCoins) on all other card purchases
– Get 2 SuperCoins on every ₹100 you spend on all other card purchases
– Exceptions : SuperCoins are not given on the following card spends & purchases – fuel, gift cards on Flipkart, EMI transactions, wallet loading transactions , jewellery, cash advances, payment of outstanding balances, payment of card fee and other card charges, third party integrated purchase like Flipkart Health, management fee, rental commissions, rental payments.

Value of 1 SuperCoin
– You can get the value of 1 SuperCoin on the Flipkart platform
– You could get a value anywhere between 25 paisa to around a rupee, depending on your redemption choice.

Benefits
– High reward rate on Flipkart purchases, but only on small transactions of upto ₹2500
– Good welcome offers

Drawbacks to consider
– Low transaction cap of ₹2500, to get high reward on Flipkart purchases
– Value of 1 Flipkart SuperCoin is dynamic, and depends on your redemption choice

7% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 14 SpiceClub Points worth ₹7, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

3% benefit on online food orders || online bill payment || online entertainment
– You earn 6 SpiceClub Points worth ₹3, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on all other card spends
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights
- Exceptions : No SpiceClub Points are given on fuel spends, EMI transactions, purchases converted to EMI post facto, wallet loading transactions, cash advances, government services, insurance services, education services, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Upto 1.25% additional milestone benefit
– You get 4000 SpiceClub Points worth ₹2000, at annual card spend of ₹2 lakhs
– You get an additional 6000 SpiceClub Points worth ₹3000, at annual card spend of ₹4 lakhs
Hence you can get a total of 10,000 SpiceClub Points worth ₹5000, at annual card spend of ₹4 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 8 per year

Complimentary SpiceClub Gold membership, benefits include –
– Welcome vouchers worth ₹7500
– Priority checkin
– 2 free upgrades & meals
– 1 free change/ cancellation

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

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 ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends
– Good welcome offers

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

4.50% benefit on Spicejet spends (Spicejet mobile app or website)
– You earn 9 SpiceClub Points worth ₹4.50, on every ₹100 you spend at Spicejet
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

1.50% benefit on online food orders || online bill payment || online entertainment
– You earn 3 SpiceClub Points worth ₹1.50, on every ₹100 you spend in these categories
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

0.75% benefit on all other card spends
– You earn 1.50 SpiceClub Points worth ₹0.75 (75 paise), on every ₹100 you spend on all other card purchases
– 1 SpiceClub Point = ₹0.50 (50 paise), and can be used to book Spicejet flights

Upto 1.25% additional milestone benefit
– 2000 SpiceClub Points worth ₹1000, at annual card spend of ₹1 lakhs
– Additional 3000 SpiceClub Points worth ₹1500, at annual card spend of ₹2 lakhs
Hence you can get a total of 5000 SpiceClub Points worth ₹2500, at annual card spend of ₹2 lakhs – 1.25% benefit.

Complimentary domestic airport lounge access – 4 per year

Complimentary SpiceClub Silver membership

Dining benefits via EazyDiner (Dining Delights program) - upto ₹500 per month
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

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 ₹40000 per month, since the maximum waiver is limited to ₹400 per month

Benefits
– High reward rate on Spicejet spends, suitable for frequent fliers of Spicejet
– Complimentary airport lounge access, and dining benefits

Drawbacks to consider
– You would need to consider other cards, to earn rewards on non-travel spends like shopping, fuel, and more.

Upto 4 Vistara premium economy tickets based on annual card spend (milestone program)
– 1 premium economy ticket, at yearly card spend of ₹1.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹3 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹4.50 lakh
– 1 additional premium economy ticket, at yearly card spend of ₹9 lakh
Note : Following spends are not counted towards achieving the yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

2% reward (in Club Vistara points), on all card spends
– You earn 2 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Silver Membership’
– gives you complimentary services like priority checkin, addition baggage allowance, upgrade vouchers

Complimentary visits to airport lounges in India – 2 per quarter

Complimentary golf – upto 3 rounds per year

Dining benefits (Dining Delights program)
– Offer valid once per month
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Minimum order amount of ₹2,500
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will fall below 25%

Benefits
– Good card for Vistara premium economy travellers
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Silver Membership

Drawbacks to consider
– You are restricted to fly Vistara only, to earn rewards

Upto 3 Vistara economy tickets based on annual card spend (milestone program)
– 1 economy ticket, at ₹1.25 lakh yearly card spend
– 1 additional economy ticket, at ₹2.50 lakh yearly card spend
– 1 additional economy ticket, at ₹6 lakh yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets – rent and wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

1% reward (in Club Vistara points), on all card spends
– Get 1 Club Vistara Point, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent , wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Base Membership’

Complimentary visits to airport lounges in India – 2 per quarter

Dining benefits (Dining Delights program)
– Offer valid once per month
– Minimum order amount of ₹2500
– 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%

Benefits
– Good card for Vistara economy travellers
– Travel benefits like complimentary lounge access

Drawbacks to consider
– You are restricted to fly Vistara only, to earn rewards

3% benefit (in terms of miles), on all card spends
– You get 3 miles, on every ₹100 you spend on your card
– Exceptions : Miles are not given on the following spends – fuel, wallet load, EMI transactions, payment of fees & charges, cash withdrawals, fraud transactions, interest charges.
– You can redeem your miles on flights and upgrades (on Lufthansa and its partners – Star Alliance airline partners & Miles & More airline partners).
– You can also redeem your miles at other partners – hotels, shopping, car rentals.

Miles never expire – provided you do at least 1 card transaction on your credit card each month

Complimentary access to international airport lounges – 4 times per year

Complimentary access to domestic airport lounges – 8 times per quarter

Benefits
– Good card for frequent fliers of Lufthansa and its airline partners
– Travel benefits like complimentary lounge access both in India and abroad

Drawbacks to consider
– You are restricted to fly Lufthansa & its partners only, to earn rewards

1% benefit on all card spends 
- You earn 5 EDGE Reward points worth ₹1, 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.
- Exceptions : No reward points are given on the following types of card spends – fuel, rent, insurance, utilities, government and educational institutions.

2% benefit – at 2.50 lakhs annual spend target (milestone benefit) : You get double the benefit from your earned EDGE Reward points, when you reach annual spend of ₹2.5 lakhs on your card.
✓ At ₹2.50 lakh annual spend on your card, you would have earned 12,500 EDGE Reward Points
✓ You can redeem these EDGE Reward Points at a special double rate of 1 EDGE Reward Point = 40 paise (instead of 1EDGE Reward Point = 20 paise).
✓ You can buy multi brand vouchers worth ₹5000 from these 12,500 EDGE Reward Points (@ 1EDGE Reward Point = 40 paise).
✓ Rent and wallet transactions are not included towards reaching this annual spend target of ₹2.50 lakhs

Complimentary airport lounge access in India – upto 2 times per quarter

Dining benefits (Dining Delights program) : 25% discount (upto ₹800) at restaurants, in partnership with EazyDiner
– Offer valid once per month
– You get a 25% discount up to ₹800 , at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 25% discount on orders between ₹2,500 and ₹3200. On orders above ₹3200, your discount% will be below 25% since maximum discount is fixed at ₹800.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle.

Benefits
– Decent benefit rate on all your spends if you hit annual card spend target of ₹2.50 lakhs. Decent choice if you do not want to hold multiple specialist cards for each spend category.
– Complimentary airport lounge access in India – 2 times per quarter.

Drawbacks to consider
– You could higher reward rates on your card spends with specialist cards for online shopping, travel, fuel, bill payments etc.

ON  MONTHLY CARD SPENDS UPTO ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 6% – 12% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 6% benefit (as cashback) : 30 EDGE reward points worth ₹6, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 (20 paise), as cashback
✓ 12% benefit (as partner points of airlines & hotels) : 30 EDGE reward points worth 12 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 1.20% – 2.40% benefit on all non-travel spends (X)
✓ 1.20% benefit (as cashback) : 6 EDGE reward points worth ₹1.20, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 2.40% benefit (as partner points of airlines & hotels) : 6 EDGE reward points worth 2.40 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
✓ Exceptions : No EDGE reward points given on fuel purchases, insurance spends (amount > ₹5000), and wallet recharge.

ON INCREMENTAL MONTHLY CARD SPENDS ABOVE ₹1.50 LAKHS, YOU GET BELOW BENEFITS
▶︎ 17.50% – 35% benefit on travel spends, only via Axis Bank Travel EDGE platform (5X)
✓ 17.50% benefit (as cashback) : 87.50 EDGE reward points worth ₹17.50, on every ₹100 you spend on travel. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 35% benefit (as partner points of airlines & hotels) : 87.50 EDGE reward points worth 35 partner points (of airlines & hotels), on every ₹100 you spend on travel. 1 EDGE reward point = 0.40 partner points.
✓ Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank

▶︎ 3.50% – 7% benefit on all other card spends (X)
✓ 3.50% benefit (as cashback) : 17.50 EDGE reward points worth ₹3.50, on every ₹100 you spend. 1 EDGE reward point = ₹0.20 or 20 paise cashback.
✓ 7% benefit (as partner points of airlines & hotels) : 17.50 EDGE reward points worth 7 partner points (of airlines & hotels), on every ₹100 you spend. 1 EDGE reward point = 0.40 partner points.
– Exceptions : No EDGE reward points given on fuel transactions, insurance spends (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
– Airline partners : AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners : Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.

OTHER BENEFITS
▶︎ Unlimited complimentary airport lounge access – both in India and abroad
– International lounges : Unlimited complimentary international lounge visits through the Priority Pass Program, including 8 guest visits per calendar year.
– Domestic lounges  : You enjoy unlimited complimentary domestic lounge visits in India.

▶︎ Complimentary airport concierge service – 8 times per year
– Complimentary Airport Meet & Greet Services (includes assistance with airport processes like check-in, security check, immigration, and porter services) – 8 times per year
– You can use the services for yourself and your accompanying guests.
– Valid for domestic and international departures/arrivals at 16 airports across India.

▶︎ Movie & dining benefits
✓ BookMyShow benefits, upto ₹2500 per month
– ₹500 off on the second ticket, valid on both movie or non-movie bookings.
– You can use this offer upto 5 times per month
✓ EazyDiner benefits, upto ₹1000 per month
– 40% discount (up to ₹1000), at partner restaurants all over India.
– Minimum order amount of ₹2500
– Offer is valid once a month

▶︎ Reduced forex fee of 2% on international transactions

▶︎ Complimentary insurance coverage
– Counterfeit or lost cards up to the card credit limit
– Purchase protection up to ₹2 lakhs
– Loss or delay in baggage and personal documents (up to US$ 500)
– Credit shield protection up to ₹5 lakhs.

▶︎ 1% fuel surcharge waiver – at all fuel stations across India, on fuel purchases between ₹400 and ₹4000.

Benefits
– Ideal for frequent travellers, especially very high spenders
– Very good lifestyle benefits especially travel related like unlimited complimentary access to airport lounges both within India and abroad

Drawbacks to consider
– For non-travellers, this may not be a very attractive card, since the higher reward rates are available only on travel spends
– High annual card spend target to get annual fee waived of from 2nd year onwards

2% benefit on shopping purchases - on purchases upto ₹20,000 per month.
- You earn 10 EDGE reward points worth ₹2, on every ₹100 you spend on shopping purchases – only on purchases upto ₹20,000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s reward redemption platform.
– This special reward point earning rate is given only on shopping purchases upto ₹20,000 per month, after which you get basic benefit rate of 1%.

1% basic benefit on all other spends
– You earn 5 EDGE reward points worth ₹1, on every ₹100 you spend on all other purchases.
– Exceptions : No reward points are given on the following spends – fuel, rent, wallet load, jewellery, EMI transactions, cash advances, payment of outstanding balances, payment of card fees and other card charges.

Milestone benefits : You get additional benefits, based on annual card spends
– You earn 5000 EDGE points worth ₹1000, when your annual card spend reaches ₹3 lakhs (rent and wallet spends are not included)

Complimentary airport lounge access abroad – 12 times per year
– You get international airport lounge access through the Priority Pass Program
– Priority Pass membership is activated by doing one transaction on your card, within 90 days of receiving the card.
– Your complimentary Priority Pass is renewed each year, only if you spend ₹3 lakhs or more on your card, in the previous year.

Complimentary airport lounge access in India – upto 2 times per quarter

20% discount (upto ₹500) on online grocery purchases at BigBasket
– Offer valid once per month, only on online orders (website, mobile site and app)
– You get 20% discount (upto ₹500), on BigBasket spends. Minimum purchase of ₹2000 is necessary.
– Hence you get 20% discount on a BigBasket orders between ₹2000 and ₹2500, once per month. On an order above ₹2500, your discount percentage will fall below 20%.
– Offer not applicable on products from Bigbasket Specialty Store, and excludes the following products – baby cereals, baby foods, infant formula, organic baby foods and Srilalitha rice of all pack sizes.

BookMyShow BOGO (Buy One Get One Free) movie offer, upto ₹300 per month
– Offer valid once per month.
– You get upto ₹300 off on the 2nd ticket.

Swiggy offer : ₹200 discount (upto 40%) - twice a month
– You can avail this discount 2 times a month
– You get a ₹200 discount, on minimum orders of ₹500, twice a month
– Hence you get a 40% discount on orders of ₹500, discount percentage will fall on orders over ₹500

Dining Delight program with EazyDiner – 25% discount (upto ₹800) at restaurants, once every month
– This offer can be redeemed once every month.
– You get a 25% discount up to ₹800, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount percentage will be below 25%.

Complimentary golf rounds – upto 9 per year
– You get 6 complimentary golf rounds per year.
– You get additional 3 complimentary golf rounds per year, upon reaching ₹3 lakh yearly card spend

Fuel surcharge waiver, upto ₹400 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on upto ₹40,000 fuel spend per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle.

Benefits
– Good benefit rate on offline shopping also (since many cards in the marketplace give high rewards only on online shopping), especially if you combine this with lifestyle benefits (airport lounges and golf), and also various partner programs (BigBasket, BookMyShow, Swiggy and Eazydiner).

Drawbacks to consider
– You may need to consider other cards to earn rewards on your other major spending needs like travel.

₹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.

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.

Exclusively for Indian Defence Personnel : Personalised card, with shades of the Indian Tricolour.

Card is virtually lifetime free at ₹40,000 annual card spend 
- Annual fee is not charged from the 2nd year onwards, if you spend ₹40,000 or more in the previous year.
- Hence the card is virtually free, if you spend ₹40,000 or more in the previous year.

Complimentary domestic airport lounge access – 2 times per quarter

Dining benefits via EazyDiner (Dining Delights program)
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500 required to avail discount
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

0.80% benefit on all card spends : You earn 4 EDGE reward point worth ₹0.80 or 80 paise , on every ₹100 you spend on all purchases.
– 1 EDGE reward point = ₹0.20 or 20 paise.
– No rewards will be earned on fuel spends.

Fuel surcharge waiver : 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
– Personalised card , with shades of the Indian Tricolour.
– Complimentary domestic airport lounge access – 2 times per quarter.

Drawbacks to consider
– The reward rate on card spending is low.

Complimentary interactive video fitness sessions via Fitternity – 20 per month
– Get complimentary interactive video fitness sessions – 20 per month (4 interactive sessions and 16 recorded sessions)
– Only the primary cardholder can avail this complimentary service
– This program is brought to you through Fitternity, a one-stop-destination for fitness enthusiasts

Complimentary video doctor consultations via Practo – 4 per month
– Enjoy complimentary video doctor consultations – 4 per month.
– You can avail this service along with 3 of your family members, but within the limit of 4 consultations per month.
– This program is brought to you through Practo, one of India’s leading integrated healthcare companies.

₹500 discount on annual health check up, via Indus Health Plus
– Get ₹500 discount on your annual health check up.
– You can avail this service once per year.
– This program is brought to you through Indus Health Plus, one of India’s leading preventive health check-up company.

1% benefit on insurance spends || 0.20% benefit on all other card spends
– Earn 1 EDGE reward point worth ₹0.20 (20 paise), on every ₹100 you spend on your card.
– On insurance spends, you get 5X benefits, i.e. you earn 5 EDGE reward point worth ₹1, on every ₹100 you spend on insurance
1 EDGE reward point = ₹0.20 or 20 paise, and can be redeemed for vouchers, products and more on Axis Bank’s rewards redemption platform.

Dining benefits via EazyDiner (Dining Delights program)
– This offer can be redeemed once every month.
– 15% discount at restaurants, upto ₹500 per month
– Minimum order amount of ₹2,500 required to avail discount
Hence you get a 15% discount on an order between ₹2500 and ₹3333, once per month. On orders above ₹3333, your discount percentage will fall below 15%

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

Benefits 
– Best for health and wellness benefits. You get complimentary fitness sessions, complimentary video doctor consultations, and discount on annual health checkup.
– You also get benefits through Axis Bank’s partnerships with Eazydiner, and other partners which are show-cased on the Axis Grabdeals platform.

Drawbacks to consider
– The reward rate on card spending is low

5% earning on fuel purchases
✔︎ 4% benefit on IndianOil fuel purchases
– Earn 20 reward points worth ₹4, on every ₹100 you spend at IOCL fuel outlets – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.
✔︎ 1% fuel surcharge waiver at all fuel stations – only on fuel spends between ₹200 and ₹5000 per month

1% benefit on ‘online shopping‘
– You earn 5 reward points worth ₹1, on every ₹ 100 you spend on online shopping – on purchases between ₹100 and ₹5000 per month.
– 1 reward point = ₹0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform (EDGE Rewards) for a variety of vouchers, products and more.

0.20% benefit on all other card purchases
– You earn 1 reward points worth ₹ 0.20 (20 paisa), on every ₹100 spent on all other purchases.
– Exceptions : No reward points are given on following spends – rent, utilities, educational services, and government institutions.

Dining benefits : 15% discount (upto ₹500) at restaurants, in partnership with EazyDiner
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide.
– Minimum order amount of ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage will be below 15% since maximum discount is fixed at ₹500.

10% discount on Bookmyshow app/ website, upto ₹100 per month
– The offer is valid till 31st March 2024

Benefits
- Attractive fuel benefit rate of 5% (4% on IndianOil fuel spends and 1% fuel surcharge waiver)
- Low annual spend target of ₹50,000, to get annual fee waived off from 2nd year onwards
- Half of first year annual fee is compensated by welcome benefit of ₹250
- So, overall it is a very good entry level fuel card – since it gives accelerated rewards on fuel upto a monthly fuel spend of ₹5,000 , and also has a low annual fee waiver threshold of ₹50,000

Drawbacks to consider
- Accelerated fuel rewards are only available at IndianOil (IOCL outlets), so one needs to plan more in terms of going to particular fuel pumps to get fuel filled
- Not ideal for high fuel spenders – those spending more than ₹ 5,000 per month

3.20% reward on department store & apparel shopping (10X) :
– 16 EDGE reward points worth ₹3.20, on every ₹100 you spend at department stores and apparel purchases.
– This accelerated earning rate is given only on total purchases upto ₹7000 per month.
– 1 EDGE reward point = 0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform for a variety of vouchers, products and more.

0.32% basic reward on all other card spends (X) : You earn 1.60 EDGE reward points worth ₹0.32 (32 paise), on every ₹100 you  spend on all other card spends.

Additional milestone benefits, upto 1% :
– You earn bonus 1500 EDGE reward points worth ₹300, upon spending ₹30,000 on your card, within your monthly card statement cycle.
– 1 EDGE reward point = 0.20 (20 paise), and can be redeemed on Axis Bank’s rewards redemption platform for a variety of vouchers, products and more.

Complimentary visits to airport lounges in India – 2 times per quarter 

1% fuel surcharge waiver, upto ₹400 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹40,000 per month, since the maximum waiver is capped at ₹400 per monthly card statement cycle

30% discount (upto ₹150 per order) on Swiggy – 2 times per month
– You get 30% discount on Swiggy, upto ₹150 discount per order. To avail this discount, a minimum order value of ₹200 is required.
– Hence you get a 30% discount on Swiggy orders between ₹200 and ₹500. On orders above ₹500, your discount percentage will fall below 30%.
– You can avail the above offer 2 times per month.

Complimentary insurance benefits
– ₹1 lakh purchase protection cover
– US$ 300 coverage for loss of travel documents and check-in baggage delay
– US$ 500 coverage for check-in baggage loss
– ₹1 lakh credit shield cover

Benefits
– Good reward rate on offline shopping (department stores and apparel purchases). Since many cards in the industry give high rewards mainly on online shopping.
– Complimentary airport lounge access and Swiggy benefits

Drawbacks
– High reward rate at department stores & apparel purchases restricted to total monthly card spend of ₹7000 in these categories
- Frequent travellers would need to look for good travel cards since this card does not offer attractive benefits on travel spends.

Upto 4 Vistara business class tickets based on annual card spend (milestone program)
– 1 business class ticket, at ₹2.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹5 lakhs yearly card spend
– 1 additional business class ticket, at ₹7.50 lakhs yearly card spend
– 1 additional business class ticket, at ₹12 lakhs yearly card spend
Note : Following spends are not counted towards achieving yearly card spend targets : rent & wallet transactions, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

3% benefit (in Club Vistara points), on all card spends
– Get 3 Club Vistara Points, on every ₹100 you spend on your card.
– Club Vistara Points can be redeemed on Vistara flights and upgrades.
Exceptions : You do not earn Club Vistara Points on the following spends – fuel, rent, wallet loads, reversals, fraud transactions, fee charges & payments, cash withdrawals, interest charges, transactions converted to EMI, temporary credit against dispute transaction.

Complimentary ‘Club Vistara Gold Membership’
– Get complimentary services like priority checkin and boarding (business class counters even if you’re flying economy class), additional baggage allowance and priority baggage handling
– Complementary access to Vistara lounges in India (even if you’re flying economy class)

Complimentary visits to airport lounges in India
– As a Club Vistara Gold Member, you get complementary access to Vistara lounges in India (even if you’re flying economy class)
– As a Visa Infinite member, you get complimentary airport lounge access in India, upto 2 per quarter.

Complimentary golf – upto 6 rounds per year

Dining benefits (Dining Delights program) in partnership with EazyDiner, upto ₹1000 per month
– This offer can be redeemed once every month.
– Get 40% discount (up to ₹1000), at over 4,000 restaurants nationwide.
– Minimum order amount to avail discount is ₹2500.
– Hence you get a 40% discount on orders of ₹2500. On orders above ₹2500, your discount percentage will fall below 40%.

15% discount at Trident Hotels

Dedicated 24 X 7 concierge desk 
– Complimentary assistance with various services such as flight bookings, table reservations, exclusive events/shows, and gift deliveries.

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends

Benefits
– Good card for Vistara business class travellers
– Depending on business class ticket prices, it maybe possible to get approximately 10% benefits on your card spends – 7% through the milestone program and 3% on card spends
– Travel benefits like complimentary lounge access, priority services through complimentary Club Vistara Gold Membership
– Attractive golf and dining benefits

Drawbacks to consider
– Not suited for entry level travellers, since benefits are more suitable for frequent business class travellers
– You are restricted to fly Vistara only, to earn rewards
– You need to consider other credit cards, to earn rewards on non-travel spends