My credit card India

Welcome Benefit

• Get 5,000 Edge Reward Points on net spend of ₹1,000 or more within 30 days of getting the credit card. These Reward Points are worth ₹1,000 and are essentially worth the same value as the joining fee.
• Customers who swap their existing Axis Bank card for the Rewards credit card are not eligible for the welcome benefit.

Membership Benefit

• Enjoy Membership Bouquets up to ₹1000 every card anniversary year. Within 60 days of getting eligible, cardholders get their membership link through SMS on their mobile number. The benefit is available only after payment of the card renewal fee.
• The cardholder is notified of the membership benefit by Axis Bank after paying the card’s minimum due amount for the 13th month before the due date. The membership benefit is not available to those who have a lifetime free card.

Milestone Benefits

• Get 1,500 Edge Reward Points on spending over ₹30,000 every card statement cycle. EMI transactions, wallet, rent, and cash withdrawal transactions are not eligible for the milestone benefit.
• Customers who swap their existing Axis Bank card for the Rewards credit card are not eligible for the welcome benefit.
• Cardholders also get a renewal fee waiver on spending ₹2 Lakhs or more in the card anniversary year.

Discounts on Swiggy

Get an exclusive 30% off on Swiggy orders by using the “AXIS30” coupon code while placing the order. A minimum order value of ₹200 is required to be eligible for the offer, and you get a maximum discount of ₹150. The offer is available twice per month for the cardholder.

Dining Delights

Avail a 15% discount up to a maximum of ₹500 at various partner restaurants across India through the Dining Delights Program. Make sure to notify the restaurant about your Rewards credit card before they generate your bill.

Domestic Lounge Access

Cardholders get 2 complimentary domestic lounge access every quarter with the Rewards credit card. You would need to spend ₹50,000 in a quarter to be eligible for free domestic lounge access in the next quarter. In case of a newly issued card this criteria is waived for the first three months.

Fuel Surcharge Waiver

A 1% fuel surcharge waiver on gas stations across India on transactions between ₹400 and ₹5000. Cardholders can avail of a maximum benefit of ₹400 every month. There are no reward points earned on fuel payments, and the GST levied on the surcharge cannot be refunded through the waiver.

Insurance Benefits

Cardholders get plenty of insurance benefits with their Rewards credit card –

• ₹1 Lakh Purchase Protection Cover for the cardholder.
• $300 cover for loss of travel documents and check-in baggage delay.
• $500 cover for check-in baggage loss.
• ₹1 Lakh credit shield for the cardholder.

Reward Points Accrual

• Unlimited 2 Edge Reward Points on every spend of ₹125.
• Accelerated 10X EDGE Reward Points on spending every ₹125 on departmental and apparel stores. Accelerated reward points are capped at 1,008 points per month on spending a maximum of ₹7,000. On spending over ₹7,000, reward points are earned at the normal rate.
• Spends on utilities, insurance, wallet reloads, rent, fuel, transportation, and tolls, government and educational institutions do not earn reward points.
• Reward points are credited automatically to the cardholder’s EDGE account.

There is no maximum capping on Base Reward Points, whereas there is a threshold on accelerated rewards of 1,008 Edge Reward Points.

Reward Points Redemption

• Cardholders can redeem their EDGE reward points through mobile or net banking on the product catalog listed on the EDGE platform. A minimum of 300 reward points are needed to make any redemption.
• Cardholders can convert or transfer their EDGE reward points to partner miles or points. 10 RP = 1 Partner Mile
• Cardholders can redeem their reward points through Pay with Points via SMS at online and offline merchants on eligible transactions. 1 RP = 20 paise, and a minimum of 300 reward points are needed to make any redemption of this type.
• Cardholders can redeem their reward points online using mobile or net banking through Online Pay with Point Redemption. 1 RP = 20 paise, and a minimum of 300 reward points are needed to make any redemption of this type.

Axis Bank Rewards Credit Card Eligibility Criteria

Here are the eligibility criteria that an individual must pass before applying for the Rewards credit card –

• The applicant must be between 18 and 70 years old
• The applicant must have a stable income source
• The applicant must be an Indian resident

Axis Bank Rewards Credit Card Review

As the name suggests, the Axis Bank Rewards Credit Card rewards the cardholder for almost every spend made with the card. It is ideal for those who regularly shop and go out as the card offers accelerated reward points on departmental and apparel stores, along with 15% off at partner restaurants across India through the Dining Delights program.

Moreover, the card comes with a decent annual fee of ₹1000 plus taxes that can be waived off on spending ₹2 Lakhs or more in the anniversary year. Cardholders can also enjoy a nice welcome benefit, monthly spend benefit, and an annual membership benefit. It is the right choice for individuals who want to be rewarded for every swipe of their credit card. You can share your views on this card in the comments below.