Axis Bank
Classic · KWIK
Axis Bank KWIK RuPay Credit Card
Axis Bank
Simple flat rewards on every spend, lifetime free
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,500
Total Annual Benefits
₹1,500
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (1)
2 EDGE Points per ₹200 on All Spends
Earn 2 EDGE Reward points per ₹200 on every transaction, no category restrictions
- • Flat rate across all categories
- • No exclusions
2 EDGE per ₹200
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Axis EDGE Reward Points
2 EDGE per ₹200
Effective cashback: 0.20%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Gift Vouchers via Edge Rewards portal
- → Statement credit
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Nil |
| Annual Fee | Free Nil (LTF) |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹12,000
- Min. Annual Income
- ₹1,44,000
- Min. Credit Score
- 600
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹12,000
- • Self-Employed: ITR > ₹1.44 Lakh p.a.
- • Age 18–65 years
- • Lifetime free card with no annual fee
- • RuPay card supports UPI payments
- • Ideal as a first credit card
Insurance Coverage
Lost Card Liability
₹50,000
Report within 24h
- • Lost card liability: ₹50,000
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Lifetime free (LTF) RuPay UPI compatible Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Zero annual fee Simple flat reward structure
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis KWIK RuPay Credit Card is a lifetime-free RuPay Classic tier card offering a flat 2 EDGE Reward points per ₹200 on all transactions. With zer...
More from Axis Bank
Axis Bank
Visa
Axis Bank ACE Credit Card
Axis Bank
₹499/yr₹8,000/yr value
5% Cashback on Bill ...4% Cashback on Food ...2% Cashback on All O...
Axis Bank
Visa
Airtel Axis Bank Credit Card
Axis Bank
₹500/yr₹6,000/yr value
25% Cashback on Airt...10% Cashback on Util...10% Cashback on Zoma...
Axis Bank
Visa
Axis Bank
Visa
Axis Bank Burgundy Private Credit Card
Axis Bank
₹50,000/yr₹1,50,000/yr value
Zero Forex MarkupEDGE Points on All S...Unlimited Domestic L...