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  • IKEA Axis Bank Credit Card
    • Image of IKEA Family Credit Card by Axis Bank
    Axis Bank

    IKEA Family Credit Card by Axis Bank

    cat name Rewards
    2.5/5.0

    Rewards2.5/5

    Dining Benefits2.5/5

    Co-branded Benefits3.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹ 0

    Lifetime Free

    Lifetime Free

    Zero joining and annual fee

    Shopping

    Shopping

    3 reward points per Rs. 100 at IKEA spends

    Dining

    Dining

    Up to 15% off via EazyDiner

    Updated on December 18, 2025 4:38 pm

    Author: Team PaisaBazaar

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    About The CardReward StructureOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About IKEA Family Credit Card

    IKEA Family Credit Card by Axis Bank is a co-branded card that offers accelerated benefits on IKEA spends. It is a lifetime-free card that primarily offers value back in the form of reward points, and minimal benefits beyond that. Despite reward points being its main feature, this credit card falls short compared to other lifetime-free or shopping cards like IDFC FIRST Select or Amazon ICICI due to its lower reward rate. Overall, this card offers a maximum reward rate of 0.6% on IKEA spends, which can drop to 0.2% on other categories.

    Note: This card is not available on Paisabazaar. The content on this page is for information only.

    Rewards Program

    Earning:

    • 3 EDGE reward points for every Rs. 100 spent at IKEA stores, app or website
    • 2 EDGE reward points for every Rs. 100 spent on dining
    • 1 EDGE reward point for every Rs. 100 spent on other categories

    Redemption:

    Cardholders can redeem EDGE reward points against travel bookings and purchases through the EDGE rewards catalogue. Besides this, cardholders can also redeem the accumulated reward points for IKEA in-store and online purchases.

    • 1 EDGE reward point = Re. 0.20
    Image of null
    Image of null

    Other Features & Benefits

    Beyond rewards on co-branded and other spends, the card offers the following benefits as well.

    • EMI Conversion:
      Convert spends of Rs. 2,500 and above into EMI at an interest rate of 13% p.a. within 60 days of original spend.
    • Dining Benefit:
      Up to 15% off, max. Rs. 500 on dining expenses under the Dining Delights Program.
    • Fuel Surcharge Waiver:
      1% fuel surcharge waiver (Max. Rs. 400 per month), on fuel spends between Rs. 400 to Rs. 5,000 across all fuel stations.
    IKEA Family Credit Card by Axis Bank is a migrated and upgraded variant of previously offered IKEA Family Credit Card by Citibank. Similar to the previous variant, this card is also lifetime free and offers comparable benefits, such as accelerated rewards on IKEA and dining spends. However, some features have been revised, like the removal of the welcome benefit, while dining and fuel-related benefits have been enhanced.

    IKEA Axis Bank Credit Card: Fees & Charges

    Fee Type Amount
    Joining Fee Nil
    Annual Fee Nil
    Finance Charges 3.6% p.m. (52.86% p.a.)
    Late Payment Fee
    For Outstanding Amount:
    Less than Rs. 500 Nil
    From Rs. 501 to Rs. 5,000 Rs. 500
    From Rs. 5,001 to Rs. 10,000 Rs. 750
    Greater than Rs. 10,000 Rs. 1,200

    Things to Know Before you apply

    Consider this credit card if:

    You frequently shop online or in-store at IKEA

    You are looking for a credit card with minimal benefits

    You prefer to convert your purchases into EMIs

    You moderately dine out & prefer to visit partner restaurants

    Consider other options if:

    You are looking for a credit card with a better reward rate

    You are ready to pay an annual fee to avail decent benefits

    You are looking for an all-rounder credit card

    Paisabazaar Review

    Overall Rating

    2.5/5

    Rewards2.5/5

    Dining Benefits2.5/5

    Co-branded Benefits3.0/5

    What do we like about this card?

    Card Users can earn 3X rewards on IKEA purchases and 2X rewards on dining. Plus, it comes with multiple redemption options, allowing you to redeem your accumulated reward points across various categories, such as travel bookings and IKEA purchases, for a value of 1 RP = Re. 0.20.

    Pros

    • Accelerated reward points on IKEA spends
    • Redemption of rewards against IKEA spends, travel bookings, etc.
    • Dining discount of up to 15%
    • Lifetime free credit card

    Cons

    • Very low base reward rate of 0.2%
    • No travel related benefits like complimentary lounge access
    • Low redemption value of 1 RP = Re. 0.20

    Conclusion

    Besides rewards, this credit card doesn’t offer much; users can avail basic benefits like a fuel surcharge waiver and dining discount, which are available on most Axis Bank credit cards. Therefore, if you do not shop frequently at IKEA and already have a rewards credit card, this card might not be a good fit. Additionally, if you prefer shopping with a specific brand, you might consider other co-branded cards like Amazon ICICI or Flipkart Axis. These cards offer accelerated benefits on the collaborated brand and decent rewards/cashback on general spends, which are comparable to the accelerated benefits of IKEA Family Credit Card.

    Frequently Asked Questions

    Everything you need to know about this credit card

    You can activate your IKEA Axis Bank Credit card via Mobile banking, Internet banking or through the Axis Bank customer care.

    Yes, IKEA Axis Bank Credit Card is lifetime free.

    No, utility bill payments are excluded from the rewards program.

    Yes, you can convert transactions above Rs. 2,500 to EMIs for a tenure of 3,6,9,12,18 and 24 months.

    The card offers up to 15% off (up to Rs. 500), on dining transactions above Rs. 2,500, once per card, per month.
    img

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    Footnotes

    1. Exclusions from rewards program: Transportation & Tolls, Utility, Insurance, Educational Institutions, Government Institutions, Wallet, Rent and Fuel spends.

    Click here to know More Terms and Conditions

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