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Best Axis Bank Credit Cards

Axis Bank is one of the premier banking institutions in India and offers a range of financial services, including credit cards, to all of its customers. With time, the bank has become a major credit card issuer in the country and has issued over 1.60 crore credit cards (as of April 2026) so far. Recently, it even completed the acquisition of Citibank. From entry-level to premium categories, the bank issues various credit cards, keeping the requirements of different individuals in mind. Some credit cards offered by the bank are best suited for frequent shoppers, some are great for movie lovers, and others are targeted at people who travel very often. These cards come with a variety of benefits, such as fuel surcharge waivers, discounts on dining and shopping, complimentary movie tickets, free access to domestic and international airport lounges, and many more. So, whether you’re looking for a card that rewards your regular spending or one that gives you added security while traveling, Axis Bank always has the perfect option for you.

Axis Bank Credit Cards

Axis Bank has a number of credit cards in its portfolio, and hence, it becomes quite difficult for individuals to go through all the features and benefits of all the cards in order to choose the best Axis Bank Credit Card. We are here with this article containing all the information about the top Axis Bank Credit Cards so that you can compare them easily on the basis of different factors and select the right one. Some of the most popular Axis Bank credit cards are – Flipkart Axis, Select, Ace, and Horizon. For more information, check out the latest range of credit cards by Axis Bank and apply today!

List of Best Axis Bank Credit Cards in India

As mentioned, Axis Bank is one of the major credit card issuers in the country and is famous for its great offerings. From premium to elementary ones, you can find all types of cards across different categories in Axis Bank’s portfolio. We have listed some of the best Axis Bank Credit Cards in India & their features and benefits below in this article. Keep reading-

Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForShopping
  • Rewards TypeCashback

Rewards Rate

5% Cashback on Flipkart & Cleartrip, 7.5% Cashback on Myntra, 4% Cashback on Preferred Partners (Swiggy, Uber, PVR, and cult.fit), and 1% Cashback on All Other Spends

Welcome Benefits

₹250 Flipkart Voucher + ₹100 Swiggy Discount

Axis My Zone Credit Card

Axis My Zone Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForMovies | Shopping | Food
  • Rewards TypeReward Points

Rewards Rate

4 EDGE Points/₹200 (Reward Rate of 0.4%)

Welcome Benefits

Free SonyLiv Subscription Worth ₹1,499

IndianOil Axis Bank RuPay Credit Card
  • Joining FeeRs. 500 + GST
  • Annual FeeRs. 500 + GST
  • Best Suited ForFuel | Shopping
  • Rewards TypeReward Points

Rewards Rate

20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card

Welcome Benefits

1,250 EDGE Reward Points Worth ₹250

Axis Bank Horizon Credit Card

Axis Bank Horizon Credit Card
  • Joining Fee₹3,000 + GST
  • Annual Fee₹3,000 + GST
  • Best Suited ForTravel
  • Rewards TypeReward Points

Rewards Rate

5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends

Welcome Benefits

5000 EDGE Miles on Spends of ₹1,000 Within the First 30 Days of Card Issuance

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card
  • Joining FeeLifetime Free (Limited Time Only)
  • Annual FeeLifetime Free (Limited Time Only)
  • Best Suited ForShopping | Food
  • Rewards TypeReward Points

Rewards Rate

1 EDGE REWARD Point/₹200 on All Eligible Spends (Reward Rate 0.10%)

Welcome Benefits

100% Cashback Up to ₹300 on First Utility Bill Payment

IndianOil Axis Bank Premium Credit Card
  • Joining Fee₹1,000 + GST
  • Annual Fee₹1,000 + GST
  • Best Suited ForFuel
  • Rewards TypeReward Points

Rewards Rate

6X EDGE Miles/₹150 at IndianOil Outlets. 2X EDGE Miles/₹150 on Grocery Spends. 1X EDGE Miles on All Other Eligible Spends

Welcome Benefits

500 EDGE Miles on the First Transaction Within 30 Days of Card Issuance

Axis Bank ACE Credit Card

Axis Bank ACE Credit Card
  • Joining Fee₹499 + GST
  • Annual Fee₹499 + GST
  • Best Suited ForTravel | Utility Bills
  • Rewards TypeCashback

Rewards Rate

5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.

Welcome Benefits

N/A

Axis Bank SELECT Credit Card

Axis Bank SELECT Credit Card
  • Joining Fee₹3,000 + GST
  • Annual Fee₹3,000 + GST
  • Best Suited ForTravel | Shopping
  • Rewards TypeReward Points

Rewards Rate

20 EDGE Points/₹200 on Retail Spends (Until Spending of ₹20,000 Per Month) (~2%). 10 EDGE Points/₹200 After That for All Spends (~1%)

Welcome Benefits

10,000 EDGE Reward Points (Worth ₹2,000) on First Transaction

Axis Bank Privilege Credit Card

Axis Bank Privilege Credit Card
  • Joining Fee₹1,500 + GST
  • Annual Fee₹1,500 + GST
  • Best Suited ForTravel | Shopping
  • Rewards TypeReward Points

Rewards Rate

10 EDGE Reward Points/₹200 Spent (Reward Rate of 1%)

Welcome Benefits

12,500 EDGE Reward Points Worth ₹2,500

Axis Bank Rewards Credit Card

Axis Bank Rewards Credit Card
  • Joining Fee₹1,000 + GST
  • Annual Fee₹1,000 + GST
  • Best Suited ForDining | Shopping
  • Rewards TypeReward Points

Rewards Rate

10X EDGE Points/₹125 Spent at Departmental and Apparel Stores. 2 EDGE Points/₹125 on All Eligible Spends.

Welcome Benefits

5,000 EDGE Reward Points (Worth ₹1,000) on Spending ₹1,000 or More Within the First Month of Card Issuance

Axis Bank Cashback Credit Card

Axis Bank Cashback Credit Card
  • Joining Fee₹1,000 + GST
  • Annual Fee ₹1,000 + GST
  • Best Suited ForShopping
  • Rewards TypeCashback

Rewards Rate

7% Cashback on Online Purchases; 0.75% Cashback on Offline and Travel Spends; 0.5% Cashback on Utility Transactions

Welcome Benefits

5,000 EDGE Reward Points on Making the First Transaction Within 30 Days

IndiGo Axis Bank Premium Credit Card
  • Joining Fee₹5,000 + GST
  • Annual Fee₹5,000 + GST
  • Best Suited ForTravel
  • Rewards TypeAir Miles

Rewards Rate

7 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 3 IndiGo BluChips Per ₹100 Spent On Grocery & Hotel Categories. 2 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends

Welcome Benefits

5,000 IndiGo BluChips Voucher + 1 6E Eats Voucher

IndiGo Axis Bank Credit Card

IndiGo Axis Bank Credit Card
  • Joining Fee₹799 + GST
  • Annual Fee₹799 + GST
  • Best Suited ForTravel
  • Rewards TypeAir Miles

Rewards Rate

3 IndiGo BluChips Per ₹100 Spent On IndiGo Channels. 2 IndiGo BluChips Per ₹100 Spent On Grocery & Dining Categories. 1 IndiGo BluChips Per ₹100 Spent On All Other Eligible Spends

Welcome Benefits

Voucher of 1,200 IndiGo BluChips

Axis Bank SuperMoney RuPay Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForUPI
  • Rewards TypeCashback

Rewards Rate

3% Cashback for UPI Spends Via super.money UPI and 1% Cashback on All Other Qualifying Spends

Welcome Benefits

N/A

Google Pay Flex Axis Bank Credit Card
  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForUPI
  • Rewards TypeReward Points

Rewards Rate

1 Star/₹500 Spent (0.2%)

Welcome Benefits

₹250 Gift Card and 250 Stars on the Google Pay App

Axis Bank Olympus Credit Card

Invite Only
Axis Bank Olympus Credit Card
  • Joining Fee₹20,000 + GST
  • Annual Fee₹20,000 + GST
  • Best Suited ForMovies | Travel | Shopping
  • Rewards TypeReward Points

Rewards Rate

1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends

Welcome Benefits

2,500 EDGE Miles and Taj/ITC Hotel Vouchers Worth ₹10,000

Axis Bank Magnus Credit Card

Axis Bank Magnus Credit Card
  • Joining Fee₹12,500 + GST
  • Annual Fee₹12,500 + GST
  • Best Suited ForTravel | Dining | Shopping
  • Rewards TypeReward Points

Rewards Rate

12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.

Welcome Benefits

Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels

Axis Bank AURA Credit Card

Axis Bank AURA Credit Card
  • Joining Fee₹749 + GST
  • Annual Fee₹749 + GST
  • Best Suited ForShopping | Health
  • Rewards TypeReward Points

Rewards Rate

2 EDGE Points/₹200 Spent With the Card and 5X EDGE Points on Insurance Spends (Maximum Transaction of ₹10,000)

Welcome Benefits

Decathlon Voucher Worth ₹750

Axis Bank Shoppers Stop Credit Card
  • Joining FeeNil (Limited Time Offer)
  • Annual Fee₹500 + GST
  • Best Suited ForShopping
  • Rewards TypeReward Points

Rewards Rate

Unlimited 20 First Citizen Points/Every ₹200 Spent at Shoppers Stop (Private Labels)

Welcome Benefits

First Citizen Reward Points Worth ₹300, Shoppers Stop Vouchers Worth ₹2,250, and Complimentary Shoppers Stop Golden Glow Membership

Samsung Axis Bank Signature Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForShopping
  • Rewards TypeCashback

Rewards Rate

10 EDGE Points/₹100 Spent on Zomato, UrbanCompany, Tata 1MG, Myntra, and BigBasket. 5 EDGE Points/₹100 on Other Domestic and International Eligible Spends. Up to ₹10,000 Cashback Annually on Samsung Purchases

Welcome Benefits

2,500 bonus Edge Rewards on making at least 3 transactions within the first 30 days of card issuance.

SpiceJet Axis Bank Voyage Credit Card
  • Joining Fee₹750 + GST
  • Annual Fee₹750 + GST
  • Best Suited ForTravel
  • Rewards TypeAir Miles

Rewards Rate

Maximum 18 Spiceclub points for every Rs. 200 you spend on SpiceJet website and mobile application, 6 Spiceclub points for every Rs. 200 spent on online transactions, and 3 Spiceclub points for every Rs. 200 spent on all other domestic and international transactions.

Welcome Benefits

SpiceJet Flight Voucher Worth ₹1,500

SpiceJet Axis Bank Voyage Black Credit Card
  • Joining Fee₹2,000 + GST
  • Annual Fee₹2,000 + GST
  • Best Suited ForTravel
  • Rewards TypeAir Miles

Rewards Rate

28 Spiceclub Points on every Rs. 200 spent on SpiceJet mobile app/website, 12 Spiceclub points on online entertainment, food order, & online bill payments, and 6 Spiceclub points on all other transactions.

Welcome Benefits

Get a SpiceJet flight voucher worth Rs. 4,000 and complimentary Spiceclub Gold membership.

Airtel Axis Bank Credit Card

Airtel Axis Bank Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForUtility Bills
  • Rewards TypeCashback

Rewards Rate

25% Cashback On Airtel Recharges (Capped At 2× Base Cashback In Same Statement Month). 10% Cashback On Utility Bills (Capped At Base Cashback In Same Statement Month). 10% Value Back On Zomato, Blinkit & District (Up To ₹200 Per Partner Per Month). 1% Cashback On All Other Spends

Welcome Benefits

Amazon Voucher Worth ₹250

Axis Bank Pride Signature Credit Card
  • Joining FeeNil
  • Annual FeeRs. 500 + GST
  • Best Suited ForTravel | Shopping
  • Rewards TypeReward Points

Rewards Rate

For every Rs. 200 spent, you will get 8 EDGE REWARD Points.

Welcome Benefits

N/A

Axis Bank KWIK RuPay Credit Card

Axis Bank KWIK RuPay Credit Card
  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForShopping
  • Rewards TypeReward Points

Rewards Rate

2 EDGE RPs per Rs. 200 spent with the card on domestic and international spends

Welcome Benefits

N/A

IKEA Family Credit Card by Axis Bank
  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForShopping
  • Rewards TypeReward Points

Rewards Rate

3 EDGE Reward Points/₹100 for Spends With IKEA. 2 EDGE Reward Points/₹100 Spent on Dining.

Welcome Benefits

None

Axis Bank Miles & More Credit Cards
  • Joining Fee₹10,000 + GST for Miles & More Select & ₹3,500 + GST for Miles & More World
  • Annual Fee₹4,500 + GST for Miles & More Select & ₹3,500 + GST for Miles & More World
  • Best Suited ForTravel
  • Rewards TypeAir Miles

Rewards Rate

6 award miles per Rs. 200 spent with Axis Bank Miles & More Select Credit Card and 4 award miles per Rs. 200 spent with Axis Bank Miles & More World Credit Card

Welcome Benefits

15,000 miles on Axis Bank Miles & More Select Credit Card and 5,000 miles on Axis Bank Miles & More World Credit Card

Axis Bank My Zone Easy Credit Card
  • Joining Fee₹500 + GST
  • Annual Fee₹500 + GST
  • Best Suited ForShopping
  • Rewards TypeReward Points

Rewards Rate

4 Edge Rewards on every spend of Rs. 200.

Welcome Benefits

NA

Axis Bank Reserve Credit Card

Invite Only
Axis Bank Reserve Credit Card
  • Joining Fee₹50,000 + GST
  • Annual Fee₹50,000 + GST
  • Best Suited ForMovies | Travel | Dining | Shopping
  • Rewards TypeReward Points

Rewards Rate

15 EDGE Points/₹200 Spent with the Card, 30 EDGE Points on International Spends

Welcome Benefits

15,000 EDGE Reward Points on Card Activation

Invite Only
Axis Bank Burgundy Private Credit Card
  • Joining Fee₹50,000 + GST (Nil for Burgundy Private Account Holders)
  • Annual Fee₹50,000 + GST (Nil for Burgundy Private Account Holders)
  • Best Suited ForMovies | Travel | Dining
  • Rewards TypeReward Points

Rewards Rate

15 Edge Reward Points for every Rs. 200 spent.

Welcome Benefits

Nil

Axis Bank Primus Credit Card

Invite Only
Axis Bank Primus Credit Card
  • Joining Fee₹5,00,000 + GST
  • Annual Fee₹3,00,000 + GST
  • Best Suited ForTravel | Fuel | Shopping
  • Rewards TypeReward Points

Rewards Rate

1 EDGE Mile/₹100 Spent on All Transactions

Welcome Benefits

25,000 Axis EDGE Miles OR Rs 40,000 Gift Card from ITC Hotels

Axis Bank Credit Cards Features and Benefits

Following are the types of benefits that you can enjoy if you hold an Axis Bank Credit Card:

Welcome Benefits: Most of the Axis Bank Cards welcome you with exclusive rewards and benefits, such as bonus Reward Points, accelerated cashback, complimentary memberships to different platforms, exciting gift vouchers, and many more. You get welcome benefits generally after paying the joining fee or activating your credit card.

Rewards/Cashback benefits: With most of the Axis credit cards offering Rewards, you get Edge Reward Points that can be redeemed via the Edge Rewards portal. However, other than Rewards Cards, you might get cashback/Airmiles with other types of cards.

Travel benefits: There is a wide range of credit cards offered by Axis Bank providing travel benefits. These benefits include complimentary airport lounge access, chauffeured airport pickup service, discount offers on flight/hotel bookings, complimentary flight tickets, hotel vouchers, etc.

Milestone Benefits: Milestone benefits are offered to credit cardholders when they achieve a pre-specified spend milestone, i.e., you get milestone benefits on spending a required amount within a pre-specified time period. These benefits can be bonus reward points, gift vouchers, etc.

Movie & Dining Benefits: Many Axis Credit Cards offer exclusive dining & movie benefits, which may include a Buy 1 Get 1 Free offer on movie tickets and discount offers on dining.

Other Benefits: Other benefits that the Axis Bank Cards offer include a fuel surcharge waiver, complimentary insurance covers, a spend-based annual fee waiver, and many more.

Top Axis Bank Credit Cards Review

Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card is aimed at providing its customers with maximum savings opportunities. The card welcomes you with gift vouchers worth ₹250, and you can save up to 5% on Flipkart every time you spend using this card. Although the card is best suited for shopping, it has great advantages over other categories as well. You get exclusive discount offers on dining, a fuel surcharge waiver, and many more benefits. This card is highly recommended for Flipkart and Myntra shoppers, as it offers a high 7.5% cashback on Myntra and 5% cashback on Flipkart.

Axis My Zone Credit Card

The Axis My Zone Credit Card is a budget-friendly credit card offering great value, especially for movie lovers, shoppers, and foodies. It comes with a free SonyLiv subscription worth ₹1,499 and offers a Buy One Get One Free (BOGO) deal on movie tickets via District by Zomato. Cardholders can also enjoy discounts on Swiggy (₹120 off twice a month), dining (15% off via EazyDiner), and shopping on Ajio (up to ₹1,000 off). The card provides 4 EDGE Points per ₹200 spent (0.4% reward rate) and includes one free domestic airport lounge access per quarter, subject to a minimum spend requirement.

Occasionally, Axis Bank provides this card with no annual fees.

Indian Oil Axis Bank Credit Card

The Axis Bank has issued the Indian Oil Axis Credit card in collaboration with the IOCL to provide cardholders with exclusive benefits, especially on fuel transactions. As a welcome benefit, you can avail of a cashback of up to ₹250 on all fuel transactions within the first 30 days after the card issuance. Moreover, you can save up to 4% on your fuel purchases in the form of Reward Points. Other than that, the card also gets you exclusive discount offers on dining and movies on BookMyShow.

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is also one of the best cards by Axis Bank, made for those who love shopping. The Airtel Axis Card is a co-branded card offered by Axis Bank in partnership with Bharti Airtel. The card is very beneficial for those who use the Airtel Thanks App for all of their transactions, as it offers tons of cashback on transactions made on the App. Not only this, it also offers great value back on other partner brands, including Swiggy, Big Basket, and Zomato. With the Axis Bank’s Dining Delights Program, you can enjoy 15% off at several restaurants across the country.

Axis Bank Neo Credit Card

The Axis Bank Neo Credit Card is one of the bank’s most basic offerings and is a great option for first-time users because it’s free for life. As a welcome benefit, this card offers 100% cashback on utility bill payments, up to ₹300. Additionally, the card provides significant discounts at popular brands such as Zomato, Blinkit, Myntra, and BookMyShow. While it does not offer a high rewards rate, it is advantageous for obtaining various brand discounts and banking perks.

Axis Bank ACE Credit Card

The Axis ACE Credit Card is one of the best shopping cards issued by Axis Bank. The card allows you to save up to 5% on your spends. Other than shopping, it provides benefits over several other categories, including travel, dining, etc. You get complimentary airport lounge access every year, and exclusive discount offers on dining. Moreover, you can also save on fuel transactions with the fuel surcharge waiver offered with this card.

Axis Select Credit Card

The Axis Bank Select Credit Card is one of the most popular lifestyle cards issued by Axis Bank. The card welcomes you with 10,000 EDGE Reward Points worth ₹2,000. With this card, you don’t only get Reward points on all your spends, but you can also earn 5,000 bonus Edge Reward Points every year based on your annual spends. Moreover, the card provides you with complimentary movie tickets every month on District & an exclusive discount on BigBasket and Swiggy. To give you luxurious travel experiences, the card also provides complimentary access to airport lounges along with a Priority Pass membership. All these advantages make it the best Axis Bank Credit Card in terms of lifestyle privileges.

Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card is the most popular travel credit card issued by Axis Bank. The card provides reward points such as Edge Miles, which can be redeemed for partner airlines’ frequent flyer programs, Air Miles, or for booking flights/hotels. The card offers complimentary international and domestic airport lounge access every year based on the type of Atlas card (tier) the cardholder has. Apart from this, the card offers many other privileges like dining benefits, milestone benefits, fuel surcharge waiver, and many more

Axis Bank Rewards Credit Card

If you enjoy shopping or love trying out different foods, using this card can offer you amazing benefits. You can enjoy an impressive 30% discount on food delivery from Swiggy. The joining fee is reasonable at ₹1000 plus taxes, and as a welcome gesture, you receive 5,000 EDGE Reward Points. Additionally, if you spend ₹30,000 or more monthly, you receive 1500 EDGE reward points. Every year, on your card anniversary, you get benefits worth ₹1000. The card also provides complimentary lounge access, dining perks, insurance coverage, and other exciting privileges.

Magnus Credit Card

The Axis Bank Magnus Credit Card is a card that comes with all the benefits that one expects to have with a premium credit card. Although it is popular for its travel benefits, it also provides advantages over other categories, including dining, Reward programs, wellness, etc. The card provides you with welcome benefits worth up to ₹12,500, membership, complimentary access to domestic/international airport lounges every year, and much more. Talking about its dining benefits, the card offers a 15% discount on dining bills via the EazyDiner program. It also offers a 20% discount at 4,000+ restaurants across India under the Axis Bank Dining Delights program. The card charges a foreign currency markup fee of 2%, which is very low and, therefore, provides the benefit of enjoying international transactions.

Reserve Credit Card

The Axis Bank Reserve Credit Card is another premium credit card that offers exciting reward rates and benefits over different categories, including travel, lifestyle, entertainment, etc. The card also provides you with complimentary luxury airport transfers, complimentary lounge access, free movie tickets on BookMyShow, complimentary EazyDiner Prime membership, and exclusive financial & insurance benefits. You also get complimentary golf games, exciting discount offers on Oberoi hotels and resorts with this card, and many more such benefits

Axis Bank Horizon Credit Card

The Axis Bank Horizon Credit Card is a travel-focused credit card with a ₹3,000 joining and annual fee. It offers good rewards, especially for travel bookings, but there is no fee waiver based on spending. Cardholders earn 5 EDGE Miles per ₹100 on airline and Travel Edge bookings and 2 EDGE Miles on other spends, which can be converted into airline and hotel points. The card provides domestic and international airport lounge access (up to 8 visits per quarter for the Visa variant). However, it lacks milestone benefits. Overall, it’s a good mid-range travel card with strong rewards and lounge benefits for frequent travelers.

SpiceJet Axis Bank Voyage Black Credit Card

The Axis Bank has recently launched two credit cards in partnership with SpiceJet airlines, out of which the Voyage Black Credit Card is the premium one. With an annual fee of ₹2,000, the card offers a wide range of exciting benefits to cardholders. With this card, one can earn up to 28 Spice Club Points on every ₹200 spent. Apart from all this, the card provides you with complimentary airport lounge access and bonus Spice Club Points on achieving the milestone spend.

Flipkart Axis Bank Super Elite Credit Card

Axis Bank launched the Flipkart Axis Bank Super Elite Credit Card in partnership with Flipkart. The annual fee of this card is also ₹500. What makes it different from the above Flipkart Axis Bank Card is that this card is solely targeted at shopping lovers who prefer Flipkart. It doesn’t offer any lounge access or significant benefits across different categories. With this card, you can earn a very good reward rate of up to 12% SuperCoins on your Flipkart purchases and 2% on other spends.

Burgundy Private Credit Card

The Axis Bank Burgundy Private Credit Card is one of the unique & super premium credit cards issued that comes with exclusively amazing benefits over various categories. It is absolutely free for burgundy private account holders & has a joining/annual fee for other cardholders. The card rewards almost all your spends. You get complimentary movie tickets every time you buy tickets on BookMyShow. You get a complimentary EazyDiner Prime membership, 50 complimentary golf rounds each year, complimentary airport lounge access, and many more benefits with this card.

Axis Bank Cards Against FD

Almost every major card issuer issues some credit cards against a fixed deposit, and such cards are known as secured credit cards. These cards are issued against a fixed deposit, which the bank keeps as a security deposit that can be used in case the cardholder defaults on his/her bill payments. The features of these secured credit cards are the same as that of their unsecured version. Axis Bank issues the following credit cards against an FD of ₹20,000 or more.

  • Flipkart Axis Bank Credit Card
  • Axis Bank My Zone Easy Credit Card
  • Indian Oil Axis Bank Credit Card
  • Axis Bank Privilege Credit Card

Axis Secured Cards

Axis Bank Credit Card Reward Points and Cashback

All the best Axis Bank Credit Cards reward cardholders in the form of reward points, cashback, Airmiles, or a few other types of rewards. You earn these reward points/cash back every time you spend using your credit card. The following table will help you to understand the reward rate offered by some of the Top Axis Credit Cards:

Rewards Redemption

Different Axis Bank Credit Cards may have different types of rewards and, hence, different redemption processes. Some of the cards earn your Edge Rewards, others earn you cash back, and some of them even offer Air miles, CV Points, etc. The following are different types of rewards earned by Axis Bank Credit Cards and their redemption processes:

  • Edge Rewards: The Edge Reward Points earned can be redeemed at the EDGE REWARDS website against various products and instant vouchers. Other than this, the Edge Rewards can be redeemed against various products and vouchers available on the portal at a monetary value of 1 Edge Reward = ₹0.20.
  • Cashback: For the cashback credit cards issued by Axis Bank, the cashback doesn’t require any specific redemption, as the equivalent amount is automatically credited to your credit card account.
  • SuperCoins: The Flipkart Axis Bank Super Elite Credit Card offers you SuperCoins that are redeemable for shopping on Flipkart and Myntra. 1 SuperCoin = ₹1.

Axis Bank Grab Deals – The Rewarding Shopping Portal

Axis Bank Grab Deals is a one-stop solution for all the shopping needs of Axis Bank debit/credit cardholders. The card issuer keeps launching exclusive offers through this portal that allows the customers to get exciting cashback/discount offers on shopping from various popular online merchants, including Amazon. Flipkart, Ajio, Myntra, Dell, Smasung, Lenovo, and a lot more. You can save up to 10% if you shop under Axis Bank Grab Deals offers using your Axis Bank debit/credit cards. As an Axis Bank cardholder, you can avail of all the offers by logging in to the portal using your registered mobile number and the last four digits of your card.

Axis Bank Credit Cards Eligibility Criteria

In order to get approval for a credit card from Axis Bank, it is advisable for the applicants to check the eligibility criteria before applying for a card, as there are high chances of your application getting rejected without fulfilling the eligibility requirements. The eligibility criteria for Axis Bank Cards might depend on various factors, including your age, income, credit history, etc. Following are some of the crucial points about the same:

  • The applicant’s age should be between 18 years and 70 years.
  • The applicant should either be salaried or self-employed with a stable source of income.
  • The applicant should maintain a good credit score (not required in the case of secured credit cards).

Documents Required

The following is the list of documents required to apply for an Axis Bank Credit Card. You will require one identity proof, one address proof, and a proof of income:

Identity Proof Address Proof Income proof
  • PAN Card
  • Form 60
  • Passport
  • Driving Licence
  • For Salaried Employees – Salary Slip of Latest Months
  • For Self-Employed Individuals – Copy of ITR (Income Tax Return)/Form 16

Fees & Charges

Other than the annual charge, Axis credit cards may have a few other fees and charges as well,

including interest rates, cash advance fees, late payment charges, foreign currency markup fees, and many more. You should go through all these charges before you choose a card for yourself. Refer to the following table to understand the same:

Interest Charges on Revolving Credit
  • 1% Monthly for Primus (12.68% Annually)
  • 1.5% Monthly for Burgundy Private (19.56% Annually)
  • 3% Monthly Per Month for Reserve, Magnus, Magnus for Burgundy, and Olympus Credit Card (42.58% Annually)
  • 3.75% Monthly for All Other Cards (55.55% Annually)
Rent Transaction Fee
  • 1% + GST for All Rental Transactions
  • Nil for Olympus and Primus Credit Cards
Wallet Load Transaction Fee
  • 1% + GST if Cumulative Spends of ₹10,000 or More are Made for Wallet Load Transactions in a Statement Cycle
Education Transaction Fee
  • 1% + GST for Third Party Education Payments Via Cred etc
Utility Transaction Fee
  • 1% + GST if Cumulative Spends of ₹25,000 or More are Made for Utility Transactions in a Statement Cycle
Cash Withdrawal Fees
  • Nil for Magnus, Magnus for Burgundy, Primus,  Reserve, and Burgundy Private Card
  • 2.5% or a Minimum of ₹500 for All Other Cards
Surcharge on Purchase of Railway Tickets
  • As Prescribed by IRCTC Indian Railways

How to Apply for Axis Bank Credit Cards?

The Axis Bank provides cardholders with an opportunity to apply for Credit Cards offline as well as online as per their comfort. To apply offline, you can visit your nearest Axis Bank branch and fill in the application form there. Make sure to bring all the required documents with you.

To apply for an Axis Credit Card online, you can-

  • Click on ‘Apply Now.’
  • You shall be redirected to the official application form.
  • Fill in all the required details, such as mobile number, PAN Card, and annual income.
  • You shall be displayed various cards according to your eligibility.
  • Select the card of your choice and complete all the formalities as stated on the website.

Axis Bank Credit Card Application Status

If you have applied for an Axis Bank Card, you can track your Credit Card application status here. You will have to fill in your application ID and date of birth, and you will see your application status on your screen. If you don’t prefer such methods, you can visit your nearest branch or contact the Axis Bank Credit Card customer care to get the status of your credit card application.

How To Activate Axis Bank Credit Cards?

If you have received your Axis Bank Card, you might be looking for different ways to activate your card. You can activate it online as well as offline as per your comfort using any of the mentioned below:

  • Activate your Axis Bank Card by logging in to the Internet banking account. In some cases, the card will be automatically added to your net banking account, and you will just need to click on it and set limits before activating it. In other cases, the card won’t be added there, but you will have to activate it using the activation code sent to you along with the card.
  • You can also contact Axis Bank customer care and ask for their help to activate your credit card.
  • If you are not an online person, you can activate your credit card via an Axis Bank ATM. Just visit your nearest ATM, find the option to activate your credit card on the main menu, and proceed further as required.
  • If none of the above methods work, you can also visit your nearest Axis Bank branch and ask the bank officials to help you with activating your Axis Bank credit card.

Axis Bank Cards Login/Netbanking

Internet Banking is a facility that every bank and credit card issuer is providing nowadays to its customers so that most of their banking-related work can be done from the comfort of their homes. Axis Bank also provides you with the same, and the following are the steps to register your Axis Credit Cards for net banking:

  • Visit Axis Bank’s official website.
  • Click on the login icon and then on ‘Register.’
  • Now, enter your valid customer ID or registered mobile number.
  • Proceed further by entering all the required details and then submit.

Axis Bank Credit Cards Customer Care

If you are using a credit card from Axis Bank, you might get some doubts/confusion sometimes. For any such doubts/complaints regarding your credit card, you can always contact Axis Bank customer care via the following contact details:

  • Contact your card issuer via call using any of these numbers: 1860-419-5555 or 1860-500-5555.
  • If you don’t prefer calling, you can also write and send your queries via email. You will find an option to send an email on the support page of Axis Bank’s official website.

Which is the Best Credit Card Offered by Axis Bank?

No single credit card can be stamped as ‘best’ for every individual. This is because different credit cards are generally targeted at different segments of people on the basis of their income and their requirements. A credit card that is best for people with a high income can be a bad choice for low-income individuals who can’t afford to have it. Similarly, a fuel credit card can be considered as the best option for someone who purchases fuel very often but not for someone who loves to go to the movies.

For example, premium credit cards like Axis Bank Primus, Burgundy Private, Axis Bank Magnus, Axis Reserve, etc., will be an excellent choice for high-net-worth individuals. On the other hand, Flipkart Axis Bank Card, Axis Bank My Zone Credit Card, etc., are some of the best options for people who are looking for affordable credit cards with maximum saving opportunities. Similarly, for frequent travelers, the Atlas and Horizon credit cards would be the right choice. Now, you might have an idea of how different credit cards are best for different people. You can also analyze your spending habits and then find out the best Axis Bank Card for yourself on the basis of your requirements.

Best Axis Bank Credit Cards For Cashback

Following is the list of some of the most popular cashback credit cards offered by Axis Bank:

  • Axis Bank ACE Credit Card: The Axis Bank ACE Credit Card is the most popular cashback card issued by the bank that earns you up to 5% cashback on all your transactions. The card has an annual fee of ₹500 and gives you an amazing opportunity to save every time you spend.
  • Flipkart Axis Bank Credit Card: With an annual fee of ₹500, the card welcomes you with several benefits worth ₹600. It earns you up to 5% cashback on spends using the card, which makes it a card with a really good reward rate. Other than this, this card offers complimentary airport lounge access and a few other privileges.

Citi to Axis Bank Credit Cards Migration

Axis Bank has acquired Citibank’s consumer banking services, marking a significant transition of banking and credit card services for all existing Citi customers to Axis. All previously Citi Bank issued credit cards have now ceased to operate.

Previous Citi Credit Card Post Migration Axis Bank Credit Card
Citi Rewards Axis Rewards Credit Card
IndianOil Citi Card IndianOil Premium Axis Bank Credit Card
Citi PremierMiles Axis Bank Horizon Credit Card
Citi Prestige Axis Bank Olympus Credit Card
IKEA Family Credit Card by Citi IKEA Family Credit Card by Axis Bank
Citi Cash Back Credit Card Axis Bank CASHBACK Credit Card

Discontinued Axis Bank Credit Card Offerings

Axis Bank previously offered several credit cards, but these have since been discontinued. Have a look at them.

Bottom Line

Overall, Axis Bank Cards are a great option for anyone looking to get a new credit card. Based on your income, lifestyle, and spending habits, there are lots of options to choose from. From super-premium to travel to shopping credit cards, Axis Bank has multiple options to suit everyone’s needs.

Almost all credit cards issued by Axis Bank offer a plethora of welcome benefits, reward points, cashback, movie and dining benefits, travel benefits, airport lounge access, concierge services, insurance covers, etc. You can even get a renewal fee waiver and other rewards for spending specific milestone amounts.

With the right card and rewards program, you could be saving money while you shop! We hope that this post has been helpful in deciding between two or more different types of Axis credit cards available.

Quick Links

FAQs:

Yes, you can withdraw cash for free using the Axis Bank Burgundy Private, Reserve, Primus, and Magnus Credit Card, as these cards have zero cash advance charges.

If you want to apply for an Axis Bank Magnus Credit Card, Your age should be between 18 years and 70 years. Your annual income should be ₹10 lakhs or more. You should be a resident of India.

The Axis Bank Burgundy Private Credit Card doesn’t charge any fee on foreign currency transactions, i.e., its foreign currency markup fee is 0.

Yes, you can get the annual fee waiver on your Axis Bank Magnus credit card by spending ₹15 lakhs or more in the previous year.

The Axis Bank Primus Credit Card has the lowest interest rate of 1%.

The Axis Bank Burgundy Private, Primus, and Axis Bank Reserve Credit Card provide unlimited complimentary international and domestic lounge access.

3 comments

  • Rupali Pednekar

    Need to know my existing credit card details

  • ASHOK KUMARJAIN

    ATLAS credit card is best as per my experience & knowledge!!
    I love this card!!!

    • A

      Kartik Kanwar

      It is considered the best for those who often travel.

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