Fees & charges
Joining fee₹500 + GST
Annual / renewal fee₹500 + GST, 2nd year onward
Fee waiverWaived above ₹2L annual spend (rent and wallet-load transactions excluded from the calculation)
Why this card
- 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bills via the Airtel Thanks App, capped at 2x your base cashback per statement month
- 10% cashback on gas and electricity bills via the Airtel Thanks App, capped at your base cashback per statement month
- 10% value back on Zomato, Blinkit and District Movies, capped at ₹200/partner/month (₹499 minimum transaction on Zomato/Blinkit)
- 1% cashback on all other spends
- ₹250 Amazon.in e-voucher on your first transaction within 30 days (not applicable on cards issued without a joining fee)
- 1% fuel surcharge waiver, up to ₹500 per statement, on transactions between ₹400–₹4,000
Value chart
| Category | Annual spend | Cashback | Discount / benefit |
|---|---|---|---|
| Activation benefit | — | — | ₹250 |
| Airtel billpay & recharge | ₹20,000 | ₹3,800 | — |
| Utility bill payments via Airtel Thanks App | ₹20,000 | ₹1,900 | — |
| Value back at Preferred Partner (Zomato, Blinkit & District Movies) | ₹60,000 | ₹6,000 | — |
| Fuel surcharge waiver | ₹10,000 | — | ₹100 |
| Other spends | ₹1,90,000 | ₹1,900 | — |
| Total | ₹3,00,000 | ₹13,600 | ₹350 |
Total annual benefit: ~4.65% of total annual spend. Axis Bank’s own illustrative example, effective 12 Apr 2026 — your real benefit depends on how your actual spending splits across these categories.
Card servicing
- Credit limit increase
- Instant loan on credit card
- Credit card against fixed deposit
- Grab Deals (merchant offers)
- Convert purchases into EMIs
- Credit Card Control Center (spend limits, channel controls)
More from Axis Bank
Flipkart Axis
Cashback
- 7.5% cashback on Myntra, capped at ₹4,000 per statement quarter
- 5% on Flipkart & Cleartrip
- 4% on other preferred-merchant spends, 1% on everything else
IndianOil Axis Bank Credit Card
Fuel
- 4% value back at IndianOil fuel outlets (20 EDGE Reward Points per ₹100), on ₹400–₹4,000 transactions, capped at ₹5,000 eligible spend/month
- 1% fuel surcharge waiver separately, capped at just ₹50 per statement cycle
- 1% value back on online shopping (5 EDGE points per ₹100), capped at ₹5,000 eligible spend/month
LIC Axis Bank Signature Credit Card
Lifetime free
- 1 Reward Point per ₹100 on all spends (excluding fuel, wallet loads and EMI conversions), 2X on LIC premium payments and foreign currency transactions
- 100% cashback up to ₹300 as a welcome benefit, on your first utility bill payment within 30 days of card issuance
- 8 complimentary domestic airport lounge visits a year, at select airports
Card names, fees and figures shown are illustrative; verify current terms with Axis Bank directly before applying.