Axis Bank KWIK RuPay Credit Card: Exclusive Reward Points

Summary

Axis Bank KWIK RuPay Credit Card is an intelligent, web-based credit card made for today’s fast and active lifestyle. It is a free-for-life card, and you don’t have to pay a joining fee or renewal fees. This is best suited for students, novices, or for anyone who wants to experience the best of credit cards without having to spend anything extra.

One of the best things about this card is that it is completely digital. You don’t need to wait for a physical card. The moment your application is approved, you get a virtual card instantly through the Axis Bank Mobile App or the Kiwi App. You can use this digital card to pay bills, buy things online, or link it with UPI apps like PhonePe, Paytm, BHIM, Google Pay, and others. This allows you to pay through UPI using a credit card.

The Credit card also offers reward points. You get 2 EDGE reward points for every ₹200 spent. And also, you get 1% cashback on UPI Scan & Pay transactions through the Kiwi App. You also get a fuel surcharge waiver of 1% when you pay for fuel using this card.

Introduction

In today’s busy world, having a credit card is not just a privilege but also a smart financial choice. While there are quite a few alternatives present in the market, Axis Bank has come up with a different credit card that offers simplicity, security, and amazing benefits all wrapped in one – the Axis Bank KWIK RuPay Credit Card. This card is specifically meant for those who want to experience a variety of benefits without any concern about outrageous fees or tedious processes.

Another best thing about this card is that it’s issued digitally. You won’t have to wait for days or complete tons of paperwork. The process is fast and easy. The instant you are approved, you have instant access to your virtual credit card that you can use immediately to shop online, pay bills, or make any other electronic transaction.

Axis Bank KWIK Credit Card is founded on the RuPay platform, India’s domestic card network created by the National Payments Corporation of India (NPCI). RuPay is accepted almost everywhere in India and is utilized on increasingly more online platforms and retail outlets. Carrying a RuPay credit card also enables you to avail yourself of a range of special offers and cashback offers that are directly linked with Indian merchants and service providers.

What makes the KWIK credit card so appealing is its reward points system. With every spending using this card, you earn reward points which in turn can be redeemed for fascinating gifts, vouchers, or even discounts while shopping. Be it paying electricity bills, online grocery shopping, or even reserving a cinema ticket – every transaction rewards you with something or the other. These reward points give your spending a smarter and more valuable twist.

What is the Axis Bank KWIK RuPay Credit Card?

Axis Bank KWIK RuPay Credit Card is a smart, easy credit card from Axis Bank. It’s an online credit card, and you can apply for it online and receive it instantly without a physical card. This card operates on the RuPay network, India’s payment card system, with support from hundreds of shops, websites, and apps across the country.

The only good point of this card is that there is no joining fee paid and no annual fees, and it is rather a good thing for novices to utilize credit cards or individuals who require a low-profile card with no fees. You can employ it for online shopping, bill payments, tickets, etc. The card also rewards you with points on each purchase that you make, and in return, in the future, you can avail discounts, vouchers, gifts, etc.

How is the design of the Axis Bank KWIK RuPay Credit Card?

The Axis Bank KWIK RuPay Credit Card has a trendy and user-friendly design with an emphasis on the digital age. The virtual card is provided to customers instantly on approval, without the hassle of waiting for a physical card. The virtual card can be accessed through the Axis Bank Mobile App or the Kiwi app, which allows for instant use for online purchases, bill payments, and UPI transactions.​

The design of the card aims at convenience and security. The card can simply be linked with UPI-supported apps like PhonePe, Google Pay, Paytm, and BHIM and make payments seamlessly by scanning a QR code or by entering a UPI ID. The fusion allows the customer to experience the benefits of being a credit card holder without physically holding a card.

What are the benefits of the Axis Bank KWIK RuPay Credit Card?

Below are the key benefits:

1. Lifetime Free Card

Enjoy the advantage of a free credit card with no membership charges and no joining charge, an affordable choice for customers.

2. Instant Virtual Card Issuance

Avail of an instant virtual credit card at approval time, without waiting for a physical card. The virtual card is accessible through the Axis Bank Mobile App or the Kiwi app.

3. UPI Integration

Connect your KWIK RuPay Credit Card with trending UPI apps such as PhonePe, Google Pay, Paytm, and BHIM. These can be utilized for making payments either scanning the QR code or using the UPI IDs, hence getting the maximum benefit of the UPI as well as that of a credit card.

4. Reward Points on Spends

Earn 2 EDGE reward points for each ₹200 spent on domestic and international transactions. Redeem them for a range of rewards, making value of your spends.

5. 1% Cashback on UPI Transactions through the Kiwi App

Earn 1% cashback on ‘Scan & Pay’ transactions through the KWIK Credit Card via the Kiwi app, adding value to your routine spends.

6. Fuel Surcharge Waiver

Earn a 1% fuel surcharge rebate on Indian fuel stations while shopping using your KWIK Credit Card, saving you while fueling.

7. Increased Security and Control

Keep your card under your control through the Axis Bank Mobile App. Features like blocking expenditure, card blocking or unblocking, and transaction monitoring help you totally control how your card is used.

8. Acceptance Anywhere

KWIK Credit Card, a RuPay credit card, is often accepted by Indian stores and online and offline systems, so your payments are flexible.

What are the fees for the Axis Bank KWIK RuPay Credit Card?

Here is a simple breakup of the Axis Bank KWIK RuPay Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.6% per month (52.86% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank KWIK RuPay Credit Card?

The following are the primary requirements:

1. To apply for the Axis Bank KWIK RuPay Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. 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. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. 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 KWIK RuPay Credit Card?

The documents that you will have to submit to get an Axis Bank KWIK RuPay Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etc Rent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Axis Bank KWIK RuPay Credit Card be used?

Here is the list of places where you can use it:

• With the Axis Bank KWIK RuPay 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.

• You can use your Axis Bank KWIK RuPay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Bank KWIK RuPay Credit Card is also accept in other countries, where you can make purchases and payments. It is also accept wherever Visa is accept.

What is the credit limit of the Axis Bank KWIK RuPay Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank KWIK RuPay Credit Card. It is base on your income, credit score, and other financial history when you are select 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.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank KWIK RuPay 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 KWIK RuPay Credit Card.

• Just hover your cursor on the Axis Bank KWIK RuPay 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 you submit 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 KWIK RuPay Credit Card.

• Request for the credit card application form of the Axis Bank KWIK RuPay Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is require. 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 photograph.

• Your application will be process, and your information will be cross-check 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 KWIK RuPay 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 KWIK RuPay Credit Card in 2025 be right?

Yes, getting an Axis Bank KWIK RuPay 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. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Axis Bank KWIK RuPay Credit Card is a new and trendy credit card that is designed specifically for individuals who want a convenient, secure, and rewarding means to spend. It is ideal for beginners, students, young professionals, or anyone who would like a complimentary credit card. There is no annual fee and no membership fee, and you can use the card to spend without having to pay any extra charges on your expenses.

The largest benefit is that the card is digital. There is no waiting for a physical card. The instant your application is processed, you receive an instant virtual card, and you can immediately begin using the same online or on UPI apps such as Google Pay, PhonePe, Paytm, and BHIM. You can connect your KWIK RuPay Credit Card with these apps and avail the privileges of credit card payment with the convenience of UPI. It is ideal for those who are always on the move and would like to make payments using their mobile phones.

Each time you use the Credit card, you earn EDGE reward points, and you even receive 1% cashback on UPI spends via the Kiwi app. The rewards give you extra value for your day-to-day spends on groceries, bill payments, or recharges. You can build up points over time and exchange them to win gift vouchers, offers, etc.

Frequently Asked Questions (FAQ’s)