The Axis Bank REWARDS Credit Card offers users reward points on all transactions. Cardholders enjoy bonus rewards especially on spending at apparel and department stores in addition to a 30% discount on dining. Note, however, that actual cash value of points varies with redemption method. The card also grants up to 8 domestic lounge visits per year, making it ideal for users frequenting categories with accelerated rewards.

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Axis Bank REWARDS Credit Card Rewards Program

With the Axis REWARDS Credit Card, earn EDGE Reward points on nearly all purchases. Points are auto-credited to your EDGE account for use. The rewards structure is as follows:

• Base Rate: Earn 2 EDGE Reward points per Rs. 125 spent, excluding fuel.
• Accelerated Rate: Earn 10X, or 20 EDGE Reward points, per Rs. 125 on apparel and department store purchases.

Rewards Capping

Unlimited EDGE Reward points can be earned at the base rate with no cap, though 7,000 points per month is maximum under the accelerated rate.

Bonus Reward Points

Cardholders may gain additional EDGE Reward points through welcome and milestone offers:

• Welcome Benefits: 5,000 points for spending Rs. 1,000 within 30 days of card issuance.
• Milestone Benefits: 1,500 points for Rs. 30,000 spending in a statement cycle.

Food & Dining Benefits

• Receive up to 30% off on Swiggy by using code “AXIS30”; applicable twice monthly on orders above Rs. 200.
• Dining Discount: 15% off up to Rs. 500 at partner restaurants via the Axis Dining Delights Program.

Other Benefits

• Lounge Access: 2 complimentary lounge visits per quarter at select airports.
• Fuel Surcharge Waiver: 1% waiver up to Rs. 400 per statement cycle on fuel spends Rs. 400-5,000.
• Insurance: Includes purchase protection, travel insurance, and credit shield.

Comparison: Axis REWARDS Vs. SBI Prime Vs. Axis Select

• Joining Fee: RS. 1,000 for Axis REWARDS, Rs. 2,999 for SBI Prime, and Rs. 3,000 (Nil for Burgundy) for Axis Select.
• Annual Fee & Waiver: Waived on specific spend thresholds (Rs. 2 lakh, Rs. 3 lakh, and Rs. 6 lakh, respectively).
• Welcome Benefits: 5,000 EDGE points, Rs. 3,000 e-voucher, or Rs. 2,000 Amazon voucher based on card type.

• Base Rewards Rate: 2 EDGE points/ Rs. 125 spent for Axis REWARDS vs other rates.
• Accelerated Rewards: Axis REWARDS enjoys 10X points on certain categories.
• Lounge Access: Comparable options with varied international or domestic lounge visits.
• Milestone Benefits: Options include additional points, vouchers, or memberships.

Eligibility & Documentation

Verify eligibility for Axis Bank Credit Card considering nationality (Indian residents), age (18-70 years), and employment status. Necessary documentation must be ready for processing.

Fees & Charges for Axis Bank REWARDS Credit Card

• Joining Fee: Rs. 1,000
• Annual Fee: Rs. 1,000, waived on Rs. 2 lakh annual spending
• Finance Charges: 3.6% per month
• Cash Withdrawal: 2.5% or Rs. 500 minimum
• Forex and Other Fees: Include details and conditions