Best Credit Card

All Benefits

  • 7.5% cashback on Myntra spends capped at ₹4,000 per statement quarter
  • 5% cashback on Flipkart & Cleartrip capped at ₹4,000 per statement quarter per merchant
  • Unlimited 4% cashback on preferred merchants
  • Unlimited 1% cashback on other eligible spends

Fees

Joining Fee ₹350 worth of activation benefits a Flipkart voucher worth ₹250 on making the first transaction using the card within 30 days of card issuance
Free
Lifetime Free
Annual Fee The annual fee is waived if you spend ₹3.5 lakh or more in a year on your card, as per bank policy.
₹590
₹500 + GST

Eligibility

Age
18-70 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 55.55% 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ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable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 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment 2% of the payment amount, subject to a minimum of ₹500, is charged for cheque return, dishonour or auto-debit reversal
2%
Cash Payment ₹175 per cash payment made at Axis Bank branches towards your credit card bill
₹175

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5,000₹500
₹5,001 - ₹10,000₹750
₹10,001 and above₹1,200

Additional INR 100 on missing payment of Minimum Amount Due by due date for two consecutive cycles; applicable every cycle until MAD is cleared.

Reward Exclusions

Utility & TelecomEducation SpendsRentWallet LoadsGovernment-related TransactionsInsurance PaymentsJewellery PurchasesFuel SpendsFinancial InstitutionsCash Advances

Terms & Conditions

  • If you were/are using any AXIS Credit card, you are not eligible for the Rewards
  • If you apply for a different card upon redirecting you will be eligible for the rewards rates applicable on the card applied
  • There will be no rewards on AXIS Neo Credit card
  • Tracking Time: 72Hrs after the Application ID Generation
  • Confirmation Timeline: Within 75 Days of Card Activation
  • Minimum transaction of ₹100 is required within 30 days to activate the card, otherwise it will be closed
  • VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of rewards
  • Rewards on Axis Bank App applications: Not Applicable

Full charges and terms: Bank MITC / Terms