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Axis Bank · Visa / RuPay · हिन्दी

Axis Bank Rewards Credit Card: full review

The Axis Rewards is a good card for regular apparel and departmental store shoppers. The 3.2% on fashion purchases is competitive for a ₹1,000 fee card, and the monthly milestone and Swiggy benefits add consistent value. For non-fashion spend, the 0.32% base rate is low. This card earns its keep through category-specific spending.

Apply now ↗Annual fee: ₹1,000 + taxes
Last updated: October 2026 · Current terms verified
AXIS BANK
VISA
)))
REWARDS
ASHOK KUMAR
12/28
₹1,000 + taxes (waived on ₹2,00,000/year spend)Annual fee
2 EDGE Reward Points per ₹125 on most spends (about 0.32% at ₹0.20 a point); 10X (about 3.2%) on apparel and department stores, on up to ₹7,000 of spend a month; 1,500 bonus points on ₹30,000 spend in a statement cycleReward structure
2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend)Lounge access

Key benefits of the Axis Bank Rewards Credit Card

10 EDGE Reward Points per ₹125 on apparel and departmental store spends (3.2% effective; capped ₹7,000/month spend)2 EDGE Reward Points per ₹125 on all other eligible retail spends (about 0.32% at ₹0.20 a point)1 EDGE = ₹0.20 redeemable via Axis EDGE Rewards portal, Swiggy, BigBasket, District or partner miles1,500 bonus EDGE Points on spending ₹30,000 in a statement cycle (monthly milestone)₹150 off on Swiggy food orders above ₹500 (twice/month via Dining Delights code)2 domestic lounge visits/quarter on ₹50,000 previous quarter spend5,000 EDGE Points welcome benefit on first transactionAnnual fee waived on ₹2L/year spend, very achievable15% dining discount at partner restaurants via Axis Dining Delights (up to ₹500/month)
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ 3.2% on apparel/departmental stores is strong for a ₹1,000 fee card
✓ Monthly milestone bonus adds consistent incremental value for ₹30K/month spenders
✓ ₹150/month Swiggy savings offset fee quickly
✓ Annual fee very easily waived at ₹2L/year spend
Cons
✗ Low 0.32% on non-apparel spends, weak for general use
✗ Lounge requires ₹50,000 previous quarter spend, not unconditional
✗ 3.5% forex, poor for international use
✗ 1 EDGE = ₹0.20 dilutes stated reward rates
Quick facts
Issuer Axis Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹2,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹1,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend)
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 REWARDS card page · Last checked October 2026
Recent updates

Corrected from Axis Bank's card page: the card earns 2 points per ₹125 on most spends, about 0.32% at ₹0.20 a point, not 0.64%. The 10X rate on apparel and department stores applies to up to ₹7,000 of spend a month, and that cap is now in our maths.

Most spends0.64%0.32%
10X capNot counted₹7,000 of spend a month
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Frequently asked questions
The annual fee for Axis Bank Rewards Credit Card is ₹1,000 + taxes (waived on ₹2,00,000/year spend). The joining fee is ₹1,000.
The main benefits of the Axis Bank Rewards Credit Card are: 10 EDGE Reward Points per ₹125 on apparel and departmental store spends (3.2% effective; capped ₹7,000/month spend); 2 EDGE Reward Points per ₹125 on all other eligible retail spends (about 0.32% at ₹0.20 a point); 1 EDGE = ₹0.20 redeemable via Axis EDGE Rewards portal, Swiggy, BigBasket, District or partner miles; 1,500 bonus EDGE Points on spending ₹30,000 in a statement cycle (monthly milestone); ₹150 off on Swiggy food orders above ₹500 (twice/month via Dining Delights code); 2 domestic lounge visits/quarter on ₹50,000 previous quarter spend; 5,000 EDGE Points welcome benefit on first transaction; Annual fee waived on ₹2L/year spend, very achievable; 15% dining discount at partner restaurants via Axis Dining Delights (up to ₹500/month).
2 EDGE Reward Points per ₹125 on most spends (about 0.32% at ₹0.20 a point); 10X (about 3.2%) on apparel and department stores, on up to ₹7,000 of spend a month; 1,500 bonus points on ₹30,000 spend in a statement cycle
Axis Bank Rewards Credit Card is best for Fashion and lifestyle shoppers wanting accelerated rewards with lounge access at a low waivable fee. The Axis Rewards is a good card for regular apparel and departmental store shoppers. The 3.2% on fashion purchases is competitive for a ₹1,000 fee card, and the monthly milestone and Swiggy benefits add consistent value. For non-fashion spend, the 0.32% base rate is low. This card earns its keep through category-specific spending.
The minimum income requirement for Axis Bank Rewards Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, Axis Bank Rewards Credit Card offers 2 domestic visits/quarter (8/year, on ₹50,000 previous quarter spend).
Axis Bank Rewards 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 Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
Card reviews
Axis 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 categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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Axis Bank Rewards₹1,000 + taxes
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