Axis Bank Rewards Credit Card: Features & Apply

Summary

Axis Bank Rewards Credit Card is an intelligent and cost-effective credit card that offers great value for repeated spending. It is particularly good for those who tend to spend more frequently on shopping, dining out, or online spending. The initial and largest highlight of this card is its reward points program, in which you receive 2 EDGE Reward Points per ₹125 spend. Apart from that, you also earn quick rewards (10X points) on department and apparel store expenditure, therefore, apt for the shopaholic.

Another good option with this card is the welcome reward of 5,000 EDGE Reward Points when you spend ₹1,000 and above within 30 days. You also earn Swiggy discounts, dine-out offers, and milestone perks like extra points for ₹30,000 and more monthly spends. The card also offers 2 complimentary local airport lounge accesses per quarter if you’ve been spending ₹50,000 within the past 3 months, which adds a travel aspect to your experience.

The Credit card is charged a joining and annual fee of ₹1,000 + GST, for which you will get a waiver if you do ₹2 lakh spends in one year (apart from rent and wallet expenses). You are also given back a 1% fuel surcharge refund for spends between ₹400 to ₹4,000, up to ₹400 for every billing cycle.

Introduction

The fast-paced climate of today’s credit cards is about more than just making payments; it’s about sensible decisions, earning incentives, and improved financial management. Among such cards with great benefits and incentives is the Axis Bank Incentive Credit Card. If you wish for a hassle-free experience with amazing offers and want rewards on daily spending, this card can be the perfect choice for you.

Axis Bank Rewards Credit Cards would be used by those who like to treat themselves every time they spend.  Shop, dine, or pay bills—this card rewards you for nearly everything. It is easy, convenient, and packed with features that can make your spending something rewarding. You don’t need to wait for special occasions or high-value purchases to earn rewards with this card — you earn rewards on daily spending.

Perhaps the finest thing about the Axis Bank Rewards Credit Card is its reward points system. You accumulate points on each purchase that you make using the card, and you can redeem the points against a remarkably wide range of goods, such as gift vouchers, discounts, holiday bookings, etc. The nicest thing, of course, is that you receive 2 reward points on each ₹125 spent, and still more on specified categories. So, the more you put in, the greater the returns — isn’t that simple.”.

In this article, we’ll take a closer look at all the features of the Axis Bank Rewards Credit Card, how the rewards system works, fees, eligibility criteria, and how to apply for it. So, if you’re thinking of getting a credit card that offers real value and exciting benefits, keep reading to see if this one is the right fit for you.

What is the Axis Bank Rewards Credit Card?

Axis Bank Rewards Credit Card is a card that rewards you with points whenever you use money through the card. It is specifically meant for those who want to earn more rewards on their regular spends such as shopping, dining, and bill payments. Whenever you spend money using this card, you accumulate points which you can redeem later to get discounts, purchase gift vouchers, book ticket travel, etc.

The more frequently you use the card, the higher your rewards. It also has other advantages such as fuel surcharge exemption, convenient EMI facilities, and lifestyle, dining, and travel discounts. The card is easy to use and a preferable option for those who want to benefit from rewards without paying an exorbitant annual charge.

How is the design of the Axis Bank Rewards Credit Card?

The Axis Bank Rewards Credit Card is modern-looking and sleek, with style and functionality as it appears. The card is of the plain variety and has a matte finish in various colors. There is prominence to the Axis Bank logo on the card, accompanied by a holographic strip for security reasons. Its easy-to-read design allows easy reading of important information like the card number and expiration date, which makes it perfect for daily use as well as providing a contemporary banking experience.

In addition, Axis Bank has opted for a distinctive burgundy color for its cards to give them class and high quality. The color has been designed to be warm and inviting, making the card stand out from others in the market. The design strategy is rooted in concise imagery and abstract representations that symbolize the card’s particular areas of application, thereby making it more aesthetically pleasing and a card one would be proud to own.

What are the benefits of the Axis Bank Rewards Credit Card?

Here’s a breakdown of its top benefits:

Welcome Benefits

• 5,000 EDGE Reward Points: Received on spends of ₹1,000 and above in the 30 days since the card was received.​

Reward Points Program

• Regular Rewards: 2 EDGE Reward Points per ₹125 spent on usual transactions.

• Accelerated Rewards: 10X EDGE Reward Points on department store and clothing store purchases, redeemable up to ₹7,000 a month.​

Lifestyle and Dining Offers

• Swiggy Offers: Get 30% off (max ₹150) on orders of food delivery of over ₹200, twice a month, by using promo code ‘AXIS30’.

• Dining Delights: Getting up to 15% (max ₹500) off dining at restaurants in our programme.

Travel Benefits

• Airport Lounge Visits: Receive 2 free domestic airport lounge visits every quarter, on total spends of ₹50,000 and above in the preceding 3 months.

Extra Perks

• Milestone Rewards: Earn 1,500 EDGE Reward Points for spending of ₹30,000 every month.

• Annual Membership Benefit: Enjoy a bouquet membership of ₹1,000 every year.

• Fuel Surcharge Waiver: Enjoy waiver of 1% fuel surcharge on payments of ₹400 to ₹4,000 with maximum total waiver of ₹400 per statement cycle.

What are the fees for the Axis Bank Rewards Credit Card?

Here is a simple breakdown of the Axis Rewards Credit Card fees.

Joining Fee	₹1,000 + GST
Annual Fee	₹1,000 + GST
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 Rewards Credit Card?

The following are the primary requirements:

1. To apply for the Axis Rewards 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 2 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 their 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 Rewards Credit Card?

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

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

Where can the Axis Bank Rewards Credit Card be used?

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

• With the Axis Bank Rewards 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 Rewards Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Bank Rewards 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 Rewards Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank Rewards 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.

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 Rewards 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 Rewards Credit Card.

• Just hover your cursor on the Axis Bank Rewards 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 Axis Bank Rewards Credit Card.

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

• Fill in 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 photograph.

• 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 Rewards 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, 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 Rewards Credit Card in 2025 be right?

Yes, getting an Axis Rewards 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 Rewards Credit Card is perfect if you want to earn reward points on your day-to-day spends. Whether you’re purchasing clothes, dining out with friends or ordering food online, the card works for you by getting you reward points which you can spend at a later point of time to secure discounts, vouchers, or gifts. It’s designed to fit the lifestyle of the smart spenders of today who want to get the most out of each rupee spent by them.

One of the strongest aspects of this card is its simple-to-grasp rewards program. You earn 2 reward points for each ₹125 spent and even more on shopping at selected stores. And, if you spend a certain amount each month, you earn bonus points as well. In this manner, your daily expenditures can fetch you a higher value back.

The other wonderful thing about this card is the extra perks that are attached to it, such as food delivery price cuts, restaurant discounts, waivers on fuel surcharges, and even free airport lounge visits if you make enough purchases. These all add to the card being more than a payment card — it’s an instrument for smart living.

Frequently Asked Questions (FAQ’s)