Fees & charges
Joining fee₹0 (Nil, currently a limited-period offer)
Annual / renewal feeNil in year 1, ₹500 + GST from year 2
Fee waiverWaived above ₹3.5L annual spend (rent and wallet-load transactions don’t count towards it)
Why this card
- 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
- 1% fuel surcharge waiver at all fuel stations
- ₹350 welcome benefit, plus EMI conversion on Flipkart purchases over ₹2,500
Value chart
| Category | Annual spend | Cashback | Discount / benefit |
|---|---|---|---|
| Spends on Myntra | ₹1,00,000 | ₹7,500 | — |
| Spends on Flipkart and Cleartrip | ₹90,000 | ₹4,500 | — |
| Preferred merchant spends | ₹35,000 | ₹1,400 | — |
| Other spends | ₹80,000 | ₹800 | — |
| Fuel spends | ₹18,000 | — | ₹180 |
| Dining spends | ₹40,000 | ₹500 | ₹6,000 |
| Welcome benefits | — | — | ₹350 |
| Annual fee waiver | — | — | ₹500 |
| Total | ₹3,63,000 | ₹14,700 | ₹7,030 |
Total annual benefit: 6% of total annual spend. Axis Bank’s own illustrative example — 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
Airtel Axis Bank Credit Card
Cashback
- 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)
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.