Axis Bank Shopping Credit Cards in India 2026

10% cashback on Samsung purchases, upto 5000 per month, and upto maximum 20,000 per year
You earn 10% cashback on Samsung purchases subject to below 2 conditions:
– 10% cashback is applicable only on purchases upto ₹2 lakhs per year, since you can earn a maximum cashback of ₹20,000 per year.
– And on purchases upto ₹50,000 per month, since you can earn a maximum cashback of ₹5000 per month

Important terms & conditions:
– Offer applicable on online purchases at – Samsung eStore https://www.samsung.com/in/ and Samsung Shop App
– Offer applicable on online purchases at Flipkart
– Offer applicable at physical stores under ‘Brand EMI’, on Pinelabs terminals and Benow Soft POS machines (on EMI purchases as well)
– Offer applicable at Samsung service centers, on PayU Soft POS machines.

3% benefit at select partners : You earn 15 reward points worth ₹3, on every ₹100 you spend at preferred merchants listed below :
– Zomato
– Bigbasket
– Myntra
– Tata 1mg
– Urban Company

3% benefit on international spends : You earn 15 reward points worth ₹3, on every ₹100 you spend on your card abroad.

1% basic benefit on all other card purchases : You earn 5 reward points worth ₹1, on every ₹100 you spend on all other card purchases.

Complimentary visits to airport lounges in India – upto 8 times per year 

Complimentary visits to airport lounges outside India – upto 6 times per year

Dining benefits through EazyDiner partnership – 25% discount (upto ₹800), once per month
– Valid once a month.
– You get a 25% discount (up to ₹800), at over 4,000 restaurants nationwide.
– Minimum order amount of ₹2,500.
– Hence you get a 25% discount on orders between ₹2500 and ₹3200. On orders above ₹3200, your discount% will fall below 25%.

Complimentary EazyDiner Prime membership for 1 year 

Fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000.

Benefits
– Good card for purchasing Samsung products, upto 10% cashback
– Special benefits on 5 partners serving diverse needs
– Special benefit on international spending
– Complimentary airport lounge access within India and abroad

Drawbacks
– Attractive benefits are restricted to specific partners
– Low reward on travel spends, hence customers may need to also look for a good travel card

5% cashback on Flipkart : You earn ₹5 cashback, on every ₹100 you spend on Flipkart. No monthly limits on earning cashback at this special rate.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Cult Fit : You earn ₹4 cashback, on every ₹100 you spend at these select partners. No monthly limits on earning cashback at this special rate.

1.50% cashback on all other spends
- Exceptions: No cashback is given on fuel spends, purchase of gift cards on Flipkart & Myntra, all EMI transactions, wallet loading transactions, purchase of jewellery items , insurance services, utilities, educational services, government services, cash advances, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Complementary domestic airport lounge access – 4 times per year

1% fuel surcharge waiver, upto ₹400 per month  : You get fuel surcharge waiver at all fuel stations-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40,000 per month (since waiver amount is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

Benefits
– 5% cashback on Flipkart purchases
– 4% cashback rate at select partners – Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
– Complimentary airport lounge access at domestic airports – 4 per calendar year
– Welcome offers worth ₹600

Drawbacks
– High annual spend target (of ₹3.50 lakhs) to get renewal fee waiver

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.

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.

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.

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.

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