Axis Bank Rupay Credit Cards in India 2026

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