AXIS
Axis Credit Card
Axis Bank
Travel & dining rewards specialist
Annual Fee₹0 – ₹3,000
RewardsUp to 5% cashback on partner brands
Welcome BonusUp to ₹2,000 in vouchers
Key Benefits
- 5% cashback on Flipkart, Myntra (co-branded cards)
- Complimentary airport lounge access
- No forex markup on international transactions
- Priority Pass membership (premium cards)
- Dining privileges at select restaurants
- Golf course access and concierge services
Eligibility Criteria
Age18 – 70 years
Minimum Income₹15,000/month (salaried) or ₹4 lakhs/year (self-employed)
Credit Score700+ CIBIL score
EmploymentSalaried, Self-employed, or Business owners
Fees & Charges
| Annual Fee | ₹0 – ₹3,000 (varies by card variant) |
| Joining Fee | Many cards offer free joining |
| Late Payment Fee | Up to ₹1,000 |
| Foreign Transaction Fee | 0% – 3.5% (card dependent) |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Interest Rate | 3.49% per month (41.88% p.a.) |
Pros & Cons
Advantages
- Excellent co-branded cards (Flipkart, ACE)
- Zero forex markup on select cards
- Strong travel and dining benefits
- Easy approval process
- Good cashback on everyday spends
Disadvantages
- Premium cards have higher annual fees
- Reward point value could be better
- Limited international acceptance for some variants
- Customer service can be slow at times
Frequently Asked Questions
Axis Credit Card
- Annual Fee₹0 – ₹3,000
- Joining Fee₹0 – ₹3,000
- Credit Limit₹20,000 – ₹10,00,000
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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.