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Axis Rewards Credit Card
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Axis Bank

Axis Rewards Credit Card

★ 3.9 / 5 ⓘ How we rate

10X points on clothes & department stores + 8 lounges

✅ Verified Oct 2026 from Axis Bank's official terms →

Joining: ₹1,000Annual: ₹1,000🎁 ~0.3% – 3.2% value back
Apply Now — it's free → 🔒 You'll apply on Axis Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

👕
10X pointson apparel & dept stores
✈️
8 lounges/yeardomestic
🍔
₹300 offon Swiggy
👤
Perfect for

Shoppers who spend a lot on apparel

Key benefits

  • 10X EDGE reward points on apparel and department store spends
  • Up to 8 complimentary domestic lounge visits a year
  • Up to ₹300 discount on Swiggy (partner offer)
  • 1% fuel surcharge waiver
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Strong on apparel spends
  • Lounge access included
  • Fee often waived

Good to know

  • 10X capped at ~₹7,000 apparel spend/month
  • Low base rewards (~0.3%)
  • No international lounges

Quick facts

Fee waiverWaived on ₹2 lakh yearly spend (Axis is running a lifetime-free offer on some applications)
Lounge access8 domestic/year
Min. income₹5 lakh/year
Age18 – 70 years
Credit score720+
NetworkVisa
Forex markup3.5%
Joining fee₹1,000 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • No points on rent, wallet, fuel, utilities, insurance, education
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ Axis Rewards — common questions

Is the Axis Rewards Credit Card lifetime free?

No. It has a joining fee of ₹1,000 and an annual fee of ₹1,000 (plus 18% GST). Waived on ₹2 lakh yearly spend (Axis is running a lifetime-free offer on some applications).

What rewards does the Axis Rewards Credit Card give?

~0.3% – 3.2% value back. 10X EDGE reward points on apparel and department store spends.

Who is eligible for the Axis Rewards Credit Card?

Minimum income: ₹5 lakh/year. Age: 18 – 70 years. Credit score: 720+. Final approval is decided by the bank.

Does the Axis Rewards Credit Card give airport lounge access?

Yes — 8 domestic/year.

What is the forex markup on the Axis Rewards Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the Axis Rewards Credit Card?

Shoppers who spend a lot on apparel.

Explore🛍️ Shopping Cards🟣 Axis Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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