The Axis Bank Rewards Credit Card offers a rewarding experience with up to 20 EDGE Reward points on card spending. Cardholders enjoy up to eight domestic lounge visits annually and dining perks, including Rs. 150 off on Swiggy twice per month. The card carries a first-year fee of ₹1,000 plus taxes.
The Axis Bank Rewards Credit Card is designed for frequent spenders who want to maximize rewards. Cardholders can earn up to 20 EDGE Reward points for every ₹125 spent. Additionally, you receive 1,500 bonus EDGE points as a monthly milestone reward. While the redemption value of each point is modest (around ₹0.20), the card offers multiple redemption options such as cashback, partner miles, and catalogue items. Beyond rewards, it also provides lifestyle perks, including complimentary domestic lounge access and discounts on Swiggy orders and dining at select partner restaurants. This card combines rewards and lifestyle benefits, making it suitable for regular spenders looking for flexibility and convenience.
Earning Rewards
Enhanced Rewards: Earn 20 EDGE Reward points for every Rs. 125 spent at departmental and apparel stores.
Standard Rewards: Get 2 EDGE Reward points for every Rs. 125 spent on other categories.
Monthly Limit: The enhanced 20X reward applies to spending up to Rs. 7,000 per month in eligible categories. Beyond this limit, all transactions earn the standard 2X points.
Redeeming Rewards
Point Value: Each EDGE Reward point can be redeemed for up to Rs. 0.20.
Redemption Methods: Points can be used for cashback, items from the rewards catalog, or partner loyalty programs. Redemption is also possible at partner stores or via SMS.
| Cover | Amount |
|---|---|
| Purchase Protection Cover | Up to Rs. 1 lakh |
| Delay in check-in baggage and loss of travel documents | USD 300 |
| Loss of check-in baggage | USD 500 |
| Credit Shield | Rs. 1 lakh |
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 + Taxes | ||||||||||
| Annual Fee | Rs. 1,000 + Taxes | ||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||
| Rewards Redemption Fee | Nil | ||||||||||
| Late Payment Charges |
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Who Should Consider This Card:
If you want a rewards credit card that offers benefits across multiple lifestyle categories.
If you prefer a card with a moderate annual fee that can be waived easily by meeting a simple spending requirement.
If you can spend up to Rs. 7,000 monthly at departmental and apparel stores to take full advantage of accelerated rewards.
If you are not seeking perks or benefits for international travel and overseas spending.
If you plan to cancel your Axis Bank Rewards Credit Card, it is important to follow the proper process defined by Axis Bank to ensure a smooth and hassle-free closure.
Review Your Decision
Before initiating the request, understand your reason for closing the card. This may include annual fees, limited usage, or switching to another card. Also, consider how closing an old card may affect your credit history.
Clear All Outstanding Dues
Make sure there are no unpaid amounts on your credit card. Settle all liabilities including
The bank will proceed with closure only after the account is fully cleared.
Submit Closure Request
You can place your request through multiple channels such as
You may need to provide details such as
Request Confirmation
Stop Using the Card
Destroy the Card
After receiving confirmation
Check Credit Report
Important Points
If you need assistance related to your Axis Bank Rewards Credit Card, you can contact the customer support team of Axis Bank. The bank offers help for billing concerns, payments, card blocking, reward points, and other credit card-related services.
Customer Care Helpline Numbers
WhatsApp Banking Support
SMS Banking Services
Other Support Channels
Axis Bank also provides additional support options such as
Services Available
Important Points
New cardholders can earn a bonus of 5,000 reward points after spending a minimum amount within the first month of card activation.
Earn higher points on purchases at departmental and apparel stores.
Earn standard points on all other spends across various categories.
The accelerated reward rate has a monthly spending limit, after which normal points apply.
Cardholders can earn additional reward points on reaching certain monthly spend thresholds, helping you maximize your rewards over time.
Yes. The card provides benefits like discounts on food delivery and partner restaurants, as well as complimentary domestic airport lounge access when certain spending criteria are met.
Annual fees can be waived on achieving specified yearly spends.
The card also includes insurance coverage such as purchase protection, baggage delay or loss, and credit protection for eligible cardholders.
