Best Credit Card

All Benefits

  • Earn 4 EDGE REWARD points per ₹200 spent
  • 1,000 EDGE REWARD points on annual spends of ₹1.5 lakh
  • 1 complimentary airport lounge visit per quarter ₹50,000 spend condition
  • Up to 15% discount on flights via MakeMyTrip Wednesday offer
  • Dining offers 15% off up to ₹500 via Axis Bank Dining Delights program

Fees

Joining Fee Complimentary SonyLIV Premium annual subscription worth ₹1,499, free on your first purchase within 30 days of card issuance
Free
Lifetime Free
Annual Fee The annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy.
Free
Lifetime Free

Eligibility

Age
21-65 years
Salary
₹25K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR) Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment A fee of 2% of the payment amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment A fee of ₹175 is levied on cash payments made towards the credit card at an Axis Bank branch
₹175

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5000₹500
₹5001 - ₹10000₹750
Above ₹10000₹1200

Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date

Reward Exclusions

Fuel SpendsEMI SpendsWallet LoadsJewellery PurchasesCash AdvancesPayment of outstanding balancesBank Charges & FeesRent PaymentGovernment-related TransactionsInsurance PaymentsEducation SpendsUtility Bill Payments

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
  • A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

Full charges and terms: Bank MITC / Terms