Axis Bank
Platinum · Rewards
Axis Bank Rewards Credit Card
Axis Bank
10X rewards on departmental and apparel shopping
Annual Fee
₹1,000
Joining Fee
₹1,000
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹6,820
Total Annual Benefits
₹8,000
Total Annual Charges
₹1,180
ROI
578%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
10X Rewards on Dept & Apparel
Earn 10X EDGE Reward points on departmental stores and apparel shopping
- • Valid at departmental stores and apparel outlets
10X points
Reward Points (1)
2 EDGE Points per ₹125 on All Spends
Earn 2 EDGE Reward points per ₹125 spent on all other transactions
- • Applies to all non-bonus category spends
2 EDGE per ₹125
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 ₹125 (base), 10X on dept/apparel
Effective cashback: 0.32%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Gift Vouchers via Edge Rewards portal
- → Statement credit
Bonus Categories
Departmental Stores
10x multiplier
10X EDGE points
Apparel
10x multiplier
10X EDGE points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,000 Excluding GST at 18% |
| Annual Fee | ₹1,000 Excluding GST at 18% |
| 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
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 680
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 18–65 years
Insurance Coverage
Accidental Death
₹20.0 L
Permanent Disability
₹20.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹20 Lakh
- • Lost card liability: ₹2 Lakh
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility 10X rewards on shopping
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 Rewards Credit Card is a Visa Platinum tier card offering 10X reward points on departmental stores and apparel shopping, and 2 EDGE Reward po...
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