Axis Bank Rewards Credit Card
Axis Bank · Points/miles card · ₹1,000 annual fee
Fees & benefits
| Annual fee | ₹1,000 + GST — waived at ₹2,00,000/yr spend |
| Welcome benefit | ~₹1,000 value |
| Airport lounges | 8 domestic · 0 international / year |
| No rewards on | rent, wallet, fuel, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10X EDGE on apparel/departmental stores | 3.2% | ₹1,008 | myntra, nykaa |
| Base EDGE points (2 per Rs.125) | 0.32% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
10X EDGE points on apparel and departmental stores (accelerated portion capped ~1,008 pts/month); 8 domestic lounge visits/year.
Welcome: 5,000 EDGE points after Rs.1,000 spend.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the Axis Bank Rewards Credit Card lifetime free?
No, the annual fee is ₹1,000 (plus GST), waived on spending ₹2,00,000 a year.
What is the highest reward rate on the Axis Bank Rewards Credit Card?
3.2% — 10X EDGE on apparel/departmental stores. Effective value depends on monthly caps; see the caveats on this page.
Does the Axis Bank Rewards Credit Card give airport lounge access?
Yes — 8 domestic visits/year.