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Axis Bank · Visa · हिन्दी

Axis Bank My Wings Credit Card: full review

The Axis My Wings is a budget travel card best suited for frequent domestic travellers who use trains, buses and domestic flights. The 2 complimentary flight tickets as welcome benefit offset the ₹500 fee immediately. The lounge access is a bonus. For everyday spending, the 0.4% reward rate is too low. This card earns its keep through travel-specific benefits.

Apply now ↗Annual fee: ₹500 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
MY WINGS
ASHOK KUMAR
12/28
₹500 + taxes (first year free on ₹5,000 spend within 45 days; waived on ₹1,00,000/year spend)Annual fee
4 EDGE reward points per ₹200 on all eligible spends (0.5%); cashback on bus, train and domestic flight ticketsReward structure
4 domestic visits/year (1 per quarter)Lounge access

Key benefits of the Axis Bank My Wings Credit Card

4 EDGE reward points per ₹200 on all eligible retail spends (1 EDGE = ₹0.20; 0.4% effective)Cashback on bus tickets via AbhiBus, redBus etc. on IRCTC bookings (₹25 off per ticket)2 complimentary base-fare domestic flight tickets via Ezeego1 as welcome benefitUp to ₹400/month fuel surcharge waiver (transactions ₹400–₹4,000)4 complimentary domestic airport lounge visits/year (1 per quarter)15% dining discount at partner restaurants via Axis Dining DelightsAnnual fee waived on ₹1L/year spend; first year free on ₹5,000 spend in 45 days
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ 2 free domestic flight tickets as welcome benefit, high initial value
✓ 4 lounge visits at ₹500 fee is strong
✓ Useful for budget domestic travellers booking via IRCTC, buses, domestic airlines
✓ First year effectively free
Cons
✗ Very low 0.4% base reward rate
✗ Free flights require calling a helpline and booking via Ezeego1, cumbersome process
✗ 3.5% forex: avoid abroad
✗ Lounge access limited to 1 per quarter
Quick facts
Issuer Axis Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (first year free on ₹5,000 spend within 45 days; waived on ₹1,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Axis Bank My Wings Credit Card is ₹500 + taxes (first year free on ₹5,000 spend within 45 days; waived on ₹1,00,000/year spend). The joining fee is ₹500.
The main benefits of the Axis Bank My Wings Credit Card are: 4 EDGE reward points per ₹200 on all eligible retail spends (1 EDGE = ₹0.20; 0.4% effective); Cashback on bus tickets via AbhiBus, redBus etc. on IRCTC bookings (₹25 off per ticket); 2 complimentary base-fare domestic flight tickets via Ezeego1 as welcome benefit; Up to ₹400/month fuel surcharge waiver (transactions ₹400–₹4,000); 4 complimentary domestic airport lounge visits/year (1 per quarter); 15% dining discount at partner restaurants via Axis Dining Delights; Annual fee waived on ₹1L/year spend; first year free on ₹5,000 spend in 45 days.
4 EDGE reward points per ₹200 on all eligible spends (0.5%); cashback on bus, train and domestic flight tickets
Axis Bank My Wings Credit Card is best for Budget domestic travellers wanting cashback on bus, train and flight ticket bookings. The Axis My Wings is a budget travel card best suited for frequent domestic travellers who use trains, buses and domestic flights. The 2 complimentary flight tickets as welcome benefit offset the ₹500 fee immediately. The lounge access is a bonus. For everyday spending, the 0.4% reward rate is too low. This card earns its keep through travel-specific benefits.
The minimum income requirement for Axis Bank My Wings Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, Axis Bank My Wings Credit Card offers 4 domestic visits/year (1 per quarter).
Axis Bank My Wings Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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Axis Bank My Wings₹500 + taxes
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