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Popular Axis Bank Rewards Credit Card Offers

Scout through some of the best hand-picked credit card offers.

REWARDS Credit Card

Rewards

Joining Fee: ₹1,000 + taxes
Annual/Renewal Fee: ₹1,000 + taxes

Up to 20 EDGE Reward points on card spends.
Membership benefits upto ₹1,000.
Complimentary lounge access.

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AXIS BANK ATLAS Credit Card

Travel
Lounge Access
Rewards

Joining Fee: ₹5,000 + taxes
Annual/Renewal Fee: ₹5,000 + taxes

Complimentary international & domestic lounge access.
2,500 bonus EDGE Miles on card activation.
Extra Platinum Tier Benefits.

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AXIS BANK SELECT Credit Card

Shopping
Rewards

Joining Fee: ₹3,000 + taxes
Annual/Renewal Fee: ₹3,000 + taxes

Complimentary lounge access worldwide.
Discount on Swiggy, BigBasket & District apps.
2X rewards across all retail spends.

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AXIS BANK RESERVE Credit Card

Travel
Rewards
Premium

Joining Fee: ₹50,000 + taxes
Annual/Renewal Fee: ₹50,000 + taxes

Low foreign currency markup fee of 1.5%.
15 Edge Reward Points for every Rs. 200 spent.
Complimentary lounge access domestic/international.

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AXIS BANK MAGNUS Credit Card

Travel
Premium
Rewards

Joining Fee: ₹30,000 + taxes
Annual/Renewal Fee: ₹30,000 + taxes

Complimentary domestic/international lounge access.
5X rewards on travel spends.
Other Travel Benefits

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Key Benefits of Axis Bank Rewards Credit Card

Axis Bank structures its rewards credit cards around different spending styles and card tiers. Below are some key benefits explained using popular Axis rewards cards:

EDGE Reward Points on Everyday Spending: Entry-level options, such as the Axis Bank Rewards Credit Card, allow cardholders to earn EDGE Reward Points on everyday spending, making them suitable for routine use while also offering basic lounge access.
Enhanced Rewards for Travel Spending: Cards like the Axis Bank Magnus Credit Card emphasise travel-related benefits, providing accelerated rewards such as higher EDGE points on travel expenses, along with complimentary access to domestic and international lounges.
Reward-Based Travel Programmes: The Axis Bank Atlas Credit Card focuses on travel rewards and EDGE Miles. It provides bonus EDGE Miles upon card activation and includes lounge access, making it attractive for frequent travellers who appreciate travel-related benefits.
Balanced Rewards with Lifestyle Benefits: The Axis Bank Select Credit Card provides a mix of rewards and lifestyle perks. In addition to earning reward points on retail purchases, it offers discounts on popular platforms and complimentary lounge access worldwide.
Premium Rewards for High Spenders: For users with higher spending capacity, cards like the Axis Bank Reserve Credit Card offer premium rewards, including higher EDGE Reward Points on spend, lower foreign currency markup, and extensive lounge access.

Who Should Apply for Axis Bank Rewards Credit Card?

Axis Bank’s rewards credit cards are made for different spending patterns and usage needs. The profiles below indicate who may find these cards suitable.

Users who want access to Axis Bank’s EDGE Rewards ecosystem
Cardholders who prefer reward points that can be used for travel or vouchers
Individuals interested in cards that scale benefits as spending increases
Customers who value bundled perks like lounge access and lifestyle privileges
Users looking for premium card options with global acceptance
People who prefer having multiple redemption choices instead of fixed benefits

Fees & Charges of Axis Bank Rewards Credit Card

Axis Bank rewards credit cards with usage-based charges for services used. While exact fees may vary by card type, the table below outlines the common charge categories and their typical ranges.

Charge Category	Typical Range / Amount
Annual Fee	0% to 3%
ATM Cash Withdrawal Fee	₹300 to ₹500 per transaction
Cash Advance Charges	2.5% to 3.5% of the amount withdrawn
Late Payment Charges	₹100 to ₹1,000
Overlimit Charges	2% to 3%
Balance Transfer Fee	1% to 2%
Foreign Currency Transaction Fee	1.5% to 3.5%
Interest Rate (APR)	24% to 49% per annum
EMI Conversion Charges	1% to 2%
Card Replacement Fee	₹100 to ₹250
Duplicate Statement Fee	₹50 to ₹100
Credit Card Processing Fees	1% to 3%
Overdraft Usage Fee	₹500 to ₹1,000 per instance
ECS / Cheque Dishonour Charges	₹100 to ₹500 per instance

Eligibility Criteria of Axis Bank Rewards Credit Card

Axis Bank sets a few basic conditions that applicants must meet before applying for a rewards credit card. These requirements relate mainly to age and residential status.

Eligibility Parameter	Requirement
Age Requirement	The primary applicant must fall within the age bracket of 18 to 70 years
Residency Status	Only individuals residing in India are eligible to apply

Documents Required For Axis Bank Rewards Credit Card

To apply for an Axis Bank rewards credit card, applicants must submit a few basic documents for verification. Here are the documents required:

Document Category	Accepted Documents
Identity Proof	PAN card copy or Form 60
Income Proof	Recent salary slip, Form 16, or latest income tax return
Address Proof	Passport, ration card, electricity bill, or landline telephone bill

How to Earn Axis Bank Credit Card Reward Points

Axis Bank credit cards earn reward points through the EDGE Rewards programme. Points are awarded according to the card type and the type of transaction, in accordance with Axis Bank’s official reward rules.

EDGE Reward Points are earned on eligible purchases made using an Axis Bank credit card
The reward-earning rate differs across Axis rewards cards and spending categories.
Specific categories or merchant types may offer accelerated reward points
Reward points are calculated on the transaction value as per the bank’s defined slabs
Transactions that fall under excluded categories do not earn reward points
Points are credited to the EDGE Rewards account once the transaction is successfully posted

Validity of Axis Bank Credit Card Reward Points

Reward points earned under the Axis Bank EDGE Rewards programme are valid for three years (36 months) from the date they are credited to your EDGE Rewards account. After this period, any unredeemed points will expire and cannot be used. Additionally, if there is no activity on your rewards account for 365 consecutive days, such as no earnings, redemptions, or logins, your accumulated points may expire earlier under the programme’s terms.

How to Redeem Axis Bank Credit Card Reward Points

Axis Bank’s EDGE Rewards programme lets you exchange EDGE Reward Points earned on your credit card for a variety of options. You can complete redemptions online using the bank’s digital channels.

Log in to the Axis Bank mobile banking app or internet banking account
Open the section related to EDGE Rewards or reward points
Select the option to redeem your reward points
Browse the available rewards catalogue
Choose from options such as e-vouchers, products, or travel bookings
Follow the on-screen steps to confirm the redemption.

How to Apply Online for Axis Bank Rewards Credit Card through Urban Money?

Urban Money offers a digital way to apply for an Axis Bank rewards credit card online, without visiting a bank branch. The platform allows you to view available Axis Bank credit cards and submit an application in one place.

Visit the Urban Money website and open the credit cards section
Search for Axis Bank credit cards from the available options
Select the Axis Bank rewards credit card you wish to apply for
Click on the Apply Now option for the chosen card
Enter basic personal details such as name and mobile number
Upload the required identity, address, and income documents
Apply for processing by Axis Bank.
A representative will call you for further processing

Frequently Asked Question (FAQs)

How does the reward points system work on Axis Bank Rewards Credit Card?

Axis Bank rewards credit cards earn EDGE Reward Points when you use your card for eligible transactions. The number of points awarded varies by card variant and spending category, with higher points typically awarded in selected categories, such as apparel and department store purchases. EDGE Reward Points accumulate in your rewards account and can be redeemed later according to the bank’s rewards terms.

What is the value of 1 reward point on Axis Bank Rewards Credit Card?

The redemption value of one EDGE Reward Point is generally treated as approximately ₹0.20 per point when applied to the card’s illustrative benefit structure. This value may vary slightly depending on how and where you redeem your points, based on Axis Bank’s rewards catalogue and redemption options.

Is there an annual fee for the Axis Bank Rewards Credit Card?

Yes, the Axis Bank Rewards Credit Card usually carries an annual fee. For example, the standard Rewards card has an annual renewal fee of ₹1,000 plus taxes, as set by the bank for that variant.

Are there any joining benefits on the Axis Bank Rewards Credit Card?

Yes, joining benefits are offered on many Axis Bank rewards cards. For the standard Rewards Credit Card, cardholders can receive a welcome benefit in the form of EDGE Reward Points when minimum spends are met shortly after card issuance.

What are the interest rates on Axis Bank Rewards Credit Card?

The interest charged on Axis Bank rewards credit cards, also known as the annual percentage rate (APR), generally ranges from 24% to 49% per annum. This rate applies to any outstanding balance not paid in full by the payment due date.

How can I redeem points from the Axis Bank Rewards Credit Card?

Reward points can be redeemed online through Axis Bank’s mobile banking app or internet banking. After logging in, navigate to the rewards section, select “Redeem Points,” and choose from options such as vouchers, products, travel redemptions, or other catalogue items provided under the EDGE Rewards programme.

Is there a minimum number of points required for redemption?

Axis Bank does not state a single universal minimum across all card types. The minimum number of EDGE Reward Points required for redemption depends on the reward item you select in the EDGE Rewards catalogue and is displayed at redemption.

Does Axis Bank Rewards Credit Card provide airport lounge access?

Some Axis Bank reward cards include lounge access benefits. For example, the standard Rewards Credit Card may offer complimentary domestic lounge access as part of its benefit structure. Higher-tier Axis Bank cards may offer more extensive lounge access, depending on the card variant and spending criteria.

Which Axis Bank credit card gives the best rewards?

The “best” reward card varies by spending patterns and lifestyle. The standard Axis Bank Rewards Credit Card is suitable for general spending rewards; premium options such as Select, Magnus, and Reserve offer higher reward accrual and lifestyle or travel benefits. Reviewing each card’s specific earning rates and privileges helps determine the Best Axis Bank credit card for rewards based on personal use.