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Axis Bank Credit Card /

Rewards Credit Card

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Axis Bank

Axis Bank Rewards Credit Card

Rewards

3.0/5.0

Paisabazaar Review

1^st Year Fee: ₹1,000* Plus Applicable Taxes

Rewards

Up to 20 EDGE Reward points on card spends

Lounge Access

Up to 8 domestic lounge visits per year

Dining Offer

Rs. 150 off on Swiggy, twice per month

Updated on October 22, 2025 2:55 pm

Author: Lepakshi Phogat

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About The Card Rewards Program Other Features & Benefits Fees & Charges Things to Know Card Review

About Axis Rewards Credit Card

Axis Bank Rewards Credit Card comes as another addition to the list of the top rewards credit cards with up to 20 EDGE Reward points on every Rs. 125 spent. In addition to the rewards on every card spend, 1,500 bonus EDGE Reward points as monthly milestone benefit confirm its status as a rewards credit card. However, the redemption value of up to Rs. 0.20 per EDGE Reward point is a bit low which this card tries to compensate with multiple redemption options, including cashback, catalogue, partner miles, etc. In addition to the rewards benefits, this card also offers other lifestyle-related benefits in the form of complimentary lounge access, along with discount offers on Swiggy orders and dining at partner restaurants. Read on to know more about this Axis Bank credit card with its fee details, annual benefits, milestone bonus, rewards program and other features.

Note: This card is not available on Paisabazaar.com. Content on this page is for information purposes only. To express interest in this card, please visit Axis Bank’s website.

Rewards Program

Reward Earning

10X Rewards: 20 EDGE Reward points per Rs. 125 spent at departmental and apparel stores
1X Rewards: 2 EDGE Reward points per Rs. 125 spent on other categories¹
Capping: 10X reward rate is applicable on monthly spends worth up to Rs. 7,000 on the eligible categories after which 1X reward rate will be applicable on all spends

Reward Redemption

Redemption Value: 1 EDGE Reward point = Up to Rs. 0.20
Redemption Options: EDGE Reward points can be redeemed against cashback, product catalogue and partner miles/points. You can also opt for redemption at partner outlets or SMS based redemption.

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The accelerated rewards structure is category based and not limited to select merchants, making it a suitable option for those looking for general shopping benefits across multiple brands without any specific preference. However, the 10X rewards come with a monthly cap which might not impact moderate spenders, but can restrict the rewards earning potential of high spenders.

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Other Features and Benefits

Welcome Bonus: 5,000 EDGE Reward Points on reaching card spends worth Rs. 1,000 within 30 days of card issuance
Renewal Benefit²: Cardholders get membership benefits worth Rs. 1,000 every year
Milestone Benefit: 1,500 EDGE Reward points on reaching monthly spends of Rs. 30,000
Lounge Access: 2 complimentary domestic airport lounge access per quarter on spending min. Rs. 50,000 during the previous 3 months
Swiggy Offer: Rs. 150 off on Swiggy food delivery orders worth Rs. 500 or more, twice per month
Dining Discount: Up to 15% off, capped at Rs. 500, at partner restaurants in India under the Dining Delights program

Fees and Charges

Particulars

Amount

Joining Fee

Rs. 1,000 + Taxes

Annual Fee

Rs. 1,000 + Taxes

Finance Charges

3.75% p.m. (45% p.a.)

Rewards Redemption Fee

Nil

Late Payment Charges

For Statement Balance:
Up to Rs. 500:	Nil
Rs. 501 to Rs. 5,000:	Rs. 500
Rs. 5,001 to Rs. 10,000:	Rs. 750
More than Rs. 10,000:	Rs. 1,200

Things to Know Before you apply

Get This Card If:

You are looking for a rewards credit card with all-rounder benefits covering other lifestyle categories

You want a card with moderate annual fee which can be easily waived off on satisfying a low spending condition

You can spend up to Rs. 7,000 on departmental stores and apparel stores in order to maximize the accelerated rewards

You are not looking for a card with benefits on international travel and spends

Similar Cards

IDFC FIRST Select Credit Card

HDFC Regalia Gold Credit Card

Axis Bank SELECT Credit Card

Paisabazaar Review

Overall Rating

3.0_/5

Rewards3.0_/5

Shopping3.5_/5

Welcome Benefits3.0_/5

What do we like about this card?

Axis Rewards credit card offers a decent reward rate of up to 3.2% on specific spending categories, but the major rewards earnings can be availed through the milestone bonus of 1,500 EDGE Reward points by spending Rs. 30,000 in a month. The annual fee is either compensated by complimentary lifestyle memberships or can easily be waived by spending just Rs. 2 lakh in a year. Both spending conditions for the monthly bonus and the fee waiver can be easily achieved by an average spender by making the majority of the purchases using the card. The discount offers on food delivery and dining, along with the domestic lounge access add to the overall savings.

Pros

Up to 18,000 EDGE Reward points every year as milestone benefits
10X rewards on apparel and departmental store spends
Low spending condition to avail annual fee waiver
Welcome and renewal benefits worth the card joining and annual fee
Savings worth Rs. 300 every month on Swiggy food delivery orders

Cons

Low redemption value of the earned EDGE Reward points
Spend-based eligibility condition on lounge access benefit
No complimentary access to international airport lounges
Capping on accelerated rewards earnings

Footnotes

Spends made on fuel, rent, insurance, utilities, wallet, govt. and educational institutions, transportation, and tolls will not accrue any EDGE Reward points.
Not applicable on lifetime free cards

Click here to know More Terms and Conditions

Lepakshi Phogat

Content Writer

Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

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