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Axis Bank Rupay Credit Cards

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Updated: 22-10-2025 10:01:24 AM

Rupay Credit Cards are globally accepted for online and offline spends and, unlike the cards on Visa and Mastercard networks, Rupay cards are enabled for UPI integration. Several Axis Bank credit cards are available on the Rupay network, allowing cardholders to avail rewards and cashback benefits on their UPI spends. On this page, we talk about lifetime free RuPay Cards offered by Axis Bank along with other cards offering decent benefits at a nominal annual fee:

List of Best Axis Bank Rupay Credit Cards for 2025

Axis My Zone Credit Card
axis-bank-my-zone-credit-cards
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Buy One Get One offer on movie tickets at District App

Complimentary SonyLIV membership for 1 year

Online Shopping
Check Eligibility

Product Details

  • Flat Rs. 120 off on Swiggy on a minimum spend of Rs. 500, twice a month
  • Buy 1 Get 1 movie ticket free on bookings via District App, up to Rs. 200 off per month
  • Up to Rs. 1,000 off on Ajio on a minimum transaction of Rs. 2,999
  • Renewal of SonyLiv Premium annual subscription on spending Rs. 1.5 Lakh in a year
  • Up to 15% off (max. Rs. 500) on dining via EazyDiner, twice a month on a min. spend of Rs. 2,500
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Airtel Axis Bank Credit Card
airtel-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

Cashback
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Product Details

  • 10% cashback on utility bill payments via Airtel Thanks app
  • 10% cashback on spends at Zomato, Swiggy and BigBasket
  • Unlimited 1% cashback on other spends
  • 4 complimentary domestic airport lounge visits every year
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IndianOil Axis Bank Credit Card
indianoil-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Save up to 5% on IOCL fuel spends

1% back as 5 EDGE reward points per Rs. 100 spent on online shopping

Fuel
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Product Details

  • 4% back as 20 EDGE reward points per Rs. 100 spent on IOCL fuel
  • 1% fuel surcharge waiver of up to Rs. 50 per month on fuel spends of Rs. 400 to Rs. 4,000
  • 1 EDGE reward point per Rs. 100 spent on other spends, 1 EDGE reward point = Rs. 0.20
  • 100% cashback, up to Rs. 250, as EDGE rewards on the 1st fuel spend made within the 1st 30 days
  • Annual fee waived off on Rs. 3.5 lakh annual spends and up to 15% off on dining via EazyDiner
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Axis Neo Credit Card
axis-bank-neo-credit-cards
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Discount offers on top brands, like Zomato, Blinkit and Myntra

1 EDGE reward point per Rs. 200 spent

Rewards
Online Shopping
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Product Details

  • Rs. 120 off per order on food delivery via Zomato on a minimum order value of Rs. 499
  • 5% off on recharges & bill payments via Amazon Pay
  • 10% off up to Rs. 250 on Blinkit, once per month
  • Extra Rs. 150 off on Myntra orders worth Rs. 999 and above
  • 100% cashback (Max. Rs. 300) on the first utility bill payment within 30 days of card issuance
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Fibe Axis Bank Credit Card
fibe-axis-bank-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

3% cashback on online food delivery, entertainment & local commute

1% cashback on all other spends

Lifetime Free
Cashback
Check Eligibility

Product Details

  • 3% cashback on online spends made in entertainment, food delivery and local commute category
  • 1% cashback on all other spends
  • Total cashback is capped at Rs. 1,500 per month
  • 15% discount on dining spends through EazyDiner
  • 1% fuel surcharge waiver of up to Rs. 400 per month
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Advantages of Axis Bank Rupay Credit Cards
Fees and Charges of Axis Bank Rupay Credit Cards
Eligibility Criteria to Apply for Axis Bank Rupay Credit Cards
How to apply for Axis Bank Rupay Credit Cards?
Similar Rupay Credit Cards
FAQs

Advantages of Axis Bank Rupay Credit Cards

The most important advantage of Rupay Credit Cards is their integration with UPI platforms like Google Pay, PhonePe, Paytm, etc. By adding your Rupay credit card on these apps, you can easily make UPI transactions using credit cards, even at local shops and kirana stores that generally do not have the infrastructure to support credit card payments.

Apart from this key feature, you get other card-specific benefits as per your card variant as listed below:

  • Rewards and cashback across everyday spends
  • Higher value-back across select spending categories
  • Additional benefits like complimentary lounge access, dining discount and more
  • 20-50 days of interest-free period
  • Facility to convert big-ticket purchases into EMIs
  • Easy card management through Axis Bank Internet Banking or Mobile App

Fees and Charges of Axis Bank Rupay Credit Cards

While the joining and annual fee of Axis Bank Rupay Credit Cards will vary as per the card variant, here are some common fees and charges that apply to all cards:

Fees & Charges Amount Details
Joining/Annual Fee Varies as per the Axis Bank RuPay card variant
Finance Charges 3.75% p.m. or 55.55% p.a. (may vary as per card variant)
Cash Withdrawal Charges 2.5% (minimum Rs. 500) of the cash amount
Forex Mark-up Fee 3.5% for all Axis Bank RuPay credit cards
Late Payment Fees On outstanding amount of –
Up to Rs. 500: Nil
Above Rs. 501 to Rs. 5,000: Rs. 500
Above Rs. 5,001 to Rs. 10,000: Rs. 750
Above Rs. 10,000 to Rs. 25,000: Rs. 1,200
(Additional fee of Rs. 100 will be applicable on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles.

Note: Click here for the detailed Axis Bank RuPay Credit Card fees and charges, along with other terms and conditions.

Eligibility Criteria to Apply for Axis Bank Rupay Credit Cards

The minimum income requirement for Axis Bank Rupay Credit Cards may vary as per the card variant. However, here are common eligibility criteria that you would have to meet in order to qualify:

  • Age: 18 to 70 years
  • Nationality: Resident of India
  • Credit Score: Must have a good credit score of 740+
  • Employment Status: Salaried or Self-employed with a stable income

Documents Required

At the time of application, you will have to submit relevant documents as shown below:

  • Identity Proof: PAN, Aadhaar, Passport, Voter ID Card, Driving License, or any other government approved photo ID proof
  • Residence Proof: Aadhaar, Passport, Voter ID Card, Driving License, or any other government approved address proof
  • Income Proof: Last 3-months’ salary slip, last 6 months’ bank statement, ITR, Form 16 or any other income proof

The list above is indicative. The bank may ask for more documents to verify your identity, address or income, as per their internal policies.

How to apply for Axis Bank Rupay Credit Cards?

You can apply for a credit card from Axis Bank through Paisabazaar, following the steps given below after visiting the credit cards section on Paisabazaar:

Step 1: Enter your mobile number and verify with OTP

Step 2: Select an Axis Bank Rupay Credit Card of your choice and check eligibility

Step 3: If eligible, proceed to apply for the card by filling a detailed form

Step 4: Submit the form

After this, your application will be sent to Axis Bank. Once your details are verified, the card will be issued and delivered to your address.

Similar Rupay Credit Cards

Credit Card Annual Fee Key Feature
YES Bank Paisabazaar PaisaSave Credit Card Rs. 499 1.5% cashback on UPI spends above Rs. 2,000
HDFC UPI Rupay Credit Card Rs. 99 3% CashPoints, up to 500 points per month, on PayZapp, groceries, supermarket &dining spends
Tata Neu Infinity HDFC Bank Rupay Credit Card Rs. 1,499 Up to 10% value-back on Tata Neu spends
IDFC FIRST Power+ Rupay Credit Card Rs. 499 Up to 6.5% value-back on HPCL fuel spends
Ixigo AU Rupay Credit Card Nil 10% discount on travel bookings at Ixigo

FAQs

Can I authenticate UPI transactions using Axis Bank Rupay Credit Card PIN?

When you add your Axis Bank Rupay Credit Card to any UPI app, you will have to generate a PIN. After that, every time you make payment, you will have to authenticate the transaction using that PIN.

Will I be able to register on UPI, if my mobile number on UPI is not linked with Axis Bank Rupay credit card?

If the mobile number added to your credit card account and the number on your UPI app is the same, your card will be linked seamlessly. Though, when registering, you may have to enter the card number as well.

Will I get any surcharge waiver on fuel purchases done using Axis Bank Rupay Credit Card via UPI mode?

If fuel transactions are excluded from your Axis Bank credit card’s rewards program, you will not get any benefit on fuel payments made via UPI.

What is the limit of Axis Bank Rupay credit card per day?

The maximum transaction limit for Rupay credit cards is Rs. 1 lakh per day and Rs. 2 lakhs for some special merchant category codes. However, it will be limited to the credit limit available on your credit card. You can also set transaction limits for UPI transactions from Axis Bank credit card mobile app.

Are there any restrictions on payment using Axis Bank Rupay Credit Card on UPI?

Categories that are excluded from your credit card’s rewards/cashback program will not be earn any benefits. Moreover, you cannot use your UPI credit card for peer-to-peer transfers.

If my Axis Bank Rupay Credit card is blocked for credit card transactions, can I still make UPI payments through credit card on third party apps?

No. If your credit card is blocked, you will not be able to make payments via UPI.

Will I earn any reward points or cashback for UPI spends using Axis Bank Rupay Credit Card?

Yes. You will earn reward points or cashback on your UPI spends as per the card’s reward rate.

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