Summary
The Axis Bank AURA Credit Card is an amalgamation of health, wellness, and lifestyle benefits. It is for people who give more importance to their health and well-being but also like rewardforon all their daily spending. The card has free access to wellness programs, which include fitness sessions, yoga classes, and consultations, making it perfect for health-conscious users.
The card offers up to a 50% discount on health checkup services in diagnostic centers that the health card has partnered with, which makes healthcare even more affordable. For easier usability, free online consultations with doctors are provided to cardholders for quick and easy access to medical advice.
Credit Card gives 2 reward points for every ₹200 spent in usual transactions and 5 reward points for every ₹200 spent in wellness categories, urging customers to be healthier. There is also the availability of milestone benefits, such as additional rewards or vouchers once spending thresholds are achieved.
Introduction
Credit card is no longer a means of payment tool; it’s one of the necessary financial instruments for making life easy and comfortable. A new and exclusive credit card is recently launched for customers by Axis Bank, a giant in the banking industry of India, known as Axis Bank AURA Credit Card.
AURA Credit Card is not just stylish and premium in design; it also holds a lot within its features and benefits that can make all your expenses quite economical and exciting. Whether you love traveling, exploring food, or online shopping, Axis Bank has something for everyone with the Credit Card.
The key features of Axis Bank AURA Credit Card include: good reward points, exclusive discounts, and cashback opportunities, which give you benefits at every transaction. Besides this, with Athe xis Bank AURA Credit Card, you will also get special discounts for traveling and shopping that will make your shopping and travel experience even better.
In today’s article, we are going to know about Axis Bank AURA Credit Card in detail. In which we are going to explain to you the benefits of this card. Along with this, we will also tell you how much is the fee of this Axis Bank AURA Credit Card and discuss in detail how you can apply for it. So read this article till the end so that you do not face any problems later.
What is the Axis Bank AURA Credit Card?
Credit card is especially for those customers who want to experience the premium features and offerings. Enjoy great benefits and perks on such an AURA Credit card, be it travel and shopping discounts, cashback rewards, and points that accrue with each one of your transactions.
Other than the above facilities, Credit Card offers various features such as reward points for every purchase made, discounts available across various brands associated with the credit card, additional security features of Citi and international transactions, exclusive customer service, emergency card replacement, and travel insurance for cardholders.
How is the design of the Axis Bank AURA Credit Card?
AURA Credit Card flaunts a sharp, modernly designed card showcasing simplicity and sleekness. Along with a nice layout, an attractive color theme makes it so premium. More than that, the Axis Bank logo and also the “AURA” brand name are strikingly displayed which gives it this extra appeal.
Such an important feature, as it should include the necessary details such as the card number, name, and validity, all of which are organized properly to look professional yet be easily used. On the whole, the card is styled and practical and therefore attractive to the eye.
What are the benefits of the Axis Bank AURA Credit Card?
The key features that come along with real rewards points include the following health and wellness memberships, for example:
- Free access to health and wellness programs including fitness sessions, diet consultations, and yoga classes
- Discount of up to 50% on health checkups at partner hospitals and diagnostic centers.
- Reward Points on Spending: You receive 2 reward points for every ₹200 spent through regular transactions and 5 reward points for every ₹200 on wellness-related categories.
- Milestone Benefits: Upon reaching milestone spending, there is an offer of free extra rewards or vouchers in addition to that.
- Complimentary Doctor Consultations: The card provides complimentary online doctor consultations where you can freely discuss your health concerns.
- Exclusive Dine Offers: Dine at partner restaurants on the Axis Bank Dining Delights program and enjoy savings of up to 20% off dining.
- Contactless Payments: Enjoy contactless tap-and-pay for a quick, safe, and secure transaction
- Fuel Surcharge Waiver: Avail fuel surcharge waiver of 1% at all fuel stations in India.
What are the fees for the Axis Bank AURA Credit Card?
Here is a simple breakup of the Credit Card fees.
| Joining Fee | ₹749 + GST (one-time fee when you get the card). |
| Annual Fee | ₹749 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year. |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.4% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹250, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Axis Bank AURA Credit Card?
The following are the primary requirements:
- To apply for the Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.1.5 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Axis Bank AURA Credit Card?
The documents that you will have to submit to get an AURA Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Axis Bank AURA Credit Card be used?
Here is the list of places where you can use it:
- With the Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- The AURA Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Axis Bank AURA Credit Card?
The credit amount you can spend is what you are provided with a Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
How do you apply for an Axis Bank AURA Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank AURA Credit Card.
- Just hover your cursor on the AURA Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the AURA Credit Card.
- Request for the credit card application form of the AURA Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Axis Bank AURA Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an Axis Bank AURA Credit Card in 2025 be right?
Yes, getting an Axis Bank AURA Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. Axis Bank is also a strong bank with high customer service, so it is dependable.
Conclusion
It provides new directions and eases daily expense handling through a unique financial instrument. Features that are incorporated within Axis Bank AURA Credit Card will not only ease your activities about finances but also deliver added benefits about securing your expenses.
Reward points and cashback offers you receive through AURA Credit Card transform every transaction into a rewarding experience. Besides, the security features of the Axis Bank AURA Credit Card are also quite important.
Frequently Asked Questions (FAQ’s)
Ans: Credit Card’s annual charge stands at ₹749+GST, but this could be reversed during the first year through various offers.
Ans: Yes, with the Credit Card you get exclusive wellness services, like online yoga and fitness sessions, health checkups, and discounts on various health services.
Ans: You must fall in the age group of 18 and 70 years if you wish to apply for Credit Card. Other than this, you need to have a stable source of income and your credit score should be good.
Ans: Yes, you can also make international transactions with Credit Card, but for this, you will have to pay forex markup charges.
Ans: With Credit Card, you get reward points on every transaction which you can use for future purchases. These points vary depending on different categories.
