Axis Bank Rewards Credit Card

Name: Axis Bank Rewards Credit Card
Brand: Axis Bank

Axis Bank • Points card with 10X apparel rewards and quarterly lounges

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Rewards is a points card whose strength is accelerated earn at apparel and departmental stores, paid over a low base rate. The official value chart totals ₹22,060 of annual savings on ₹2,00,000 spends including lounges, Swiggy discounts and milestone benefits, with each point worth ₹0.20. The fee is waived at just ₹2 lakh spends, which makes it easy to keep.

Annual Fee (+ 18% GST)₹1,000 (₹1,180 incl. GST)

Fee WaiverAnnual fee waived on spends of ₹2,00,000 in the preceding card anniversary year

Joining PerkWelcome benefit worth ₹1,000 in the official value chart, with 5,000 reward points stated in the official Axis Bank article

Primary Reward2 EDGE Reward Points for every ₹125 spent, with 10X earn of 20 points per ₹125 at apparel and departmental stores up to ₹7,000 per month

Airport Lounge Access8 Domestic Lounge visits per year, given as 2 complimentary domestic lounge visits each quarter at selected lounges

Forex Markup3.5% + 18% GST

RuPay UPINo

Best ForApparel and department store shoppers who can use 10X points, Swiggy discounts and quarterly lounges

What We Like

10X points at apparel and departmental stores up to ₹7,000 a month
2 domestic lounge visits every quarter at a ₹1,000 fee level
Easy fee waiver at ₹2 lakh annual spends plus Swiggy discounts

Watch Out

Base earn is only 2 points per ₹125, worth 0.32% at catalogue value
Accelerated earn is capped at ₹7,000 monthly spends in the category
No complimentary international lounge access

MITC & Hidden Charges

Annual fee ₹1,000 plus 18% GST, total ₹1,180. Other charges as per the issuer's MITC.

Axis Bank Rewards Credit Card FAQs

What is the reward rate of Axis Rewards Card?

It earns 2 EDGE Reward Points per ₹125 on regular spends and 10X, which is 20 points per ₹125, at apparel and departmental stores up to ₹7,000 a month.

How many lounge visits does it offer?

It offers 2 complimentary domestic lounge visits each quarter, which is 8 visits in a year, as stated in the official value chart and Axis Bank article.