Fees & charges
Joining fee₹500 + GST
Annual / renewal feeNil in year 1, ₹500 + GST from year 2
Fee waiverWaived above ₹3.5L spend in the card-anniversary year (rent, wallet loads, EMIs, cash withdrawals, fees/charges/GST and insurance don’t count towards it)
Why this card
- 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
- 1 EDGE Reward Point per ₹100 on all other spends
- Up to 1,250 bonus points as a welcome benefit on your first fuel transaction within 30 days
- 10% instant discount on BookMyShow movie tickets (apply manually from BookMyShow’s offers section)
Value chart
| Category | Annual spend | Cashback | Discount / benefit |
|---|---|---|---|
| Fuel spends at IOCL | ₹60,000 | ₹2,400 | — |
| Fuel surcharge waiver | — | — | ₹600 |
| Online shopping | ₹42,000 | ₹420 | — |
| Movie ticket booking on BookMyShow | ₹12,000 | — | ₹1,200 |
| Other spends | ₹54,000 | ₹108 | — |
| Activation benefit | — | — | ₹250 |
| Annual fee waiver | — | — | ₹500 |
| Total | ₹1,68,000 | ₹2,928 | ₹2,550 |
Total annual benefit: ~3.3% of total annual spend, plus roughly 60 litres of free fuel a year (at ₹90/litre). 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
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
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)
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.