CardMaxx
Card Overview/Axis Rewards
Axis
Rewards
REWARDS
Axis BANK
VISA

Axis Rewards

by Axis • Visa / Mastercard

Complete Benefits & FAQs

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“Solid mid-tier Axis card. The 10X on apparel/department stores (capped at ₹7K/month) is the standout feature — 3.2% effective rate. Base rate of 2 RP per ₹125 is decent but value is only ₹0.20/RP. Milestone benefit is good — ₹30K/cycle is achievable. Welcome benefit of 5K RP is generous for a ₹1K fee card. Lounge access (2/quarter, spend-gated at ₹50K in 3 months) adds real value at ₹12K/year in lounge savings. Same fee structure thresholds as other Axis cards (wallet, fuel, utility, gaming). Insurance package is decent with ₹1L purchase protection + baggage + credit shield. Miles transfer follows standard Axis capping (5L overall, 1L Group A, 4L Group B).”

Fee Waiver: Not specified — no spend-based annual fee waiver mentioned

Best suited for

🎯 Apparel and departmental store shoppers (10X on those categories)🎯 Budget mid-tier card with ₹1,000 annual fee🎯 Frequent Swiggy users (₹150 off × 2/month)🎯 Users wanting lounge access (2/quarter) at mid-tier pricing🎯 Milestone chasers — ₹30K/cycle for 1,500 bonus RP

Welcome & Onboarding Perks

  • •5,000 EDGE Reward Points on cumulative net spends of ₹1,000 or above within 30 days of card issuance
  • •Value: ₹1,000 (at ₹0.20/RP)

Spend Milestone Rewards

  • 🎯 Spend: ₹30,000 net spends per statement cycle1,500 EDGE Reward Points (= ₹300)

    Per statement cycle — can be earned multiple times per year

Airport Lounge Privileges

Domestic2 complimentary lounge accesses per quarter at select domestic airports
InternationalNone mentioned

Dining Offers

Axis Bank Dining Delights Program

Dining discounts at top restaurants across India

Reward Rates

Apparel & Departmental Stores (10X)cap ₹7,000/month
up to 3.2%
Base Spends
up to 0.3%

Reward Exclusions

No Rewards On:
  • •Fuel transactions
  • •Insurance
  • •Wallet transactions
  • •Rent payments
  • •Utilities & Telecom
  • •Jewellery
  • •Education
  • •Government Institutions
  • •EMI transactions

Surcharges & Waivers

Forex Markup3.50% of transaction value
Interest Rate3.75% per month (55.55% per annum)
Utility Payments1% on cumulative utility spends of ₹25,000+ per statement cycle
Wallet Loading1% on cumulative wallet loads of ₹10,000+ per statement cycle
Cash Withdrawal2.5% of cash amount (minimum ₹500)
Fuel Surcharge Waiver
Waiver %1%
Cap / cycle₹400 per statement cycle
Transaction range₹₹400 – ₹₹5,000

Eligibility Requirements

Salaried

Age18 to 70 years

Note: Criteria are indicative; bank reserves right to approve/decline.

Documents Required

  • •PAN card photocopy or Form 60
  • •Proof of income — Latest payslip / Form 16 / IT return copy
  • •Residence proof — Passport / Ration Card / Electricity bill / Landline telephone bill

Key Highlights

✓EMI conversion for ₹1,500+ transactions
✓Add-on cards available (nil fees)
✓Contactless payments enabled
✓Wednesday Delight weekly offers

Frequently Asked Questions

Ready to apply for Axis Rewards?

Annual fee: ₹1,000 + GST

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