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Axis Bank
Axis Bank Kwik Credit Card
Rewards
1st Year Fee: ₹ 0
Rewards
2 reward points per Rs. 200 spent
Shopping
2 points per Rs. 200 spent on UPI
Fuel
Save up to Rs. 1,800 p.a. on fuel spends
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About Axis Bank Kwik Credit Card
Axis Bank Kwik Credit Card is a RuPay credit card designed to offer reward points on everyday spends, including UPI payments. Cardholders can earn 2 EDGE REWARD points for every Rs. 200 spent on eligible transactions and redeem the accumulated points through the EDGE REWARDS portal. In addition to regular card spends, this card also offers EDGE REWARD Points on eligible UPI transactions above Rs. 2,000.
Apart from reward points, cardholders can also avail 1% fuel surcharge waiver on fuel transactions. The card is offered as instant virtual credit card upon approval and can be activated through any UPI app or Axis Bank’s mobile or internet banking platform. Overall, this lifetime free credit card is a suitable option for consumers looking to earn rewards on everyday spends without paying any joining or annual fee.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Axis Bank’s website.
Key Features & Benefits
Reward Points
- 2 EDGE REWARD points for every Rs. 200 spent on domestic & international transactions1
- 2 EDGE REAWRD points for every Rs. 200 spent on UPI spends above Rs. 2,0001
- Redeem accumulated reward points through the EDGE REWARDS portal
Fuel Benefits
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000, capped at Rs. 150 per month2
Other Benefits
- Virtual Credit Card instantly on approval
Axis Bank Kwik Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||
| Annual Fee | Nil | ||||||||||
| Finance Charges | 3.75% p.m. | 55.55% p.a. | ||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are looking for a lifetime free credit card offering reward points on everyday spends
You frequently make UPI payments and want to earn reward points on eligible transactions
You want to avail basic benefits like reward points and fuel surcharge waiver
You prefer an instant virtual credit card for quick online transactions after approval
Other Virtual Credit Cards
Paisabazaar Review
What do we like about this card?
Axis Bank Kwik Credit Card is a good entry-level option for consumers who primarily use UPI for their everyday transactions. Since the card is issued on the RuPay network, it can be linked to UPI apps, allowing cardholders to earn EDGE REWARD Points on eligible high-value UPI payments in addition to regular card spends. While the reward rate is average and the card does not offer any lifestyle or travel benefits, it comes with basic benefits, including reward points and fuel surcharge waiver. Overall, this credit card is best suited for consumers seeking a simple, no-fee credit card for everyday and UPI spends.
Pros
- Lifetime free card with zero joining and annual fees
- 2 EDGE REWARD Points for every Rs. 200 spent on eligible domestic & international transactions
- Supports UPI payments through the RuPay network, offering rewards on eligible UPI spends
- Instant virtual credit card issued upon approval for immediate usage
Cons
- Reward points are available only on UPI transactions above Rs. 2,000
- Reward earning rate is relatively low for consumers with high monthly spending
- No travel benefits such as airport lounge access or complimentary travel insurance
- Fuel surcharge waiver is capped at Rs. 150 per month
Frequently Asked Questions
Everything you need to know about this credit card
Yes. Axis Bank Kwik Credit Card is a lifetime free credit card with no joining fee or annual fee, making it suitable for consumers looking for an entry-level credit card with basic benefits and no joining/annual charges.
Yes. Since it is a RuPay credit card, it can be linked to supported UPI apps to make UPI payments. Cardholders can also earn 2 EDGE REWARD Points for every Rs. 200 spent on UPI transactions above Rs. 2,000.
You can earn 2 EDGE REWARD Points for every Rs. 200 spent on eligible domestic and international transactions. The card also offers 2 EDGE REWARD Points for every Rs. 200 spent on eligible UPI transactions above Rs. 2,000.
Yes. The card offers a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000, subject to a maximum waiver of Rs. 150 per month.
You can activate this credit card through any supported UPI app or via Axis Bank\'s mobile banking or internet banking platform.
This card is best suited for consumers looking for a lifetime free RuPay credit card that offers reward points on everyday and eligible UPI spends, along with basic benefits such as a fuel surcharge waiver.
Footnotes
- No reward points will be offered on wallet load, fuel, rental payments, cash withdrawals, insurance, repayments, jewellery, education, govt. services, and EMI transactions.
- The fuel surcharge is not levied by the card issuing bank, on certain fuel transactions, the fuel surcharge may be levied as Rs. 10 + GST instead of 1% + GST.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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