Earn 100% cash-back up to ₹300 on first utility bill payment within 30 days of card issuance
Enjoy 8 complimentary domestic airport lounge visits per calendar year at select airports
Enjoy 15% off up to ₹500 at partner restaurants via Axis Bank Dining Delights, on a minimum order of ₹2,500, valid once per card per month
Earn 1 EDGE REWARD point for every ₹100 spent on eligible transactions
Earn 2 EDGE REWARD points per ₹100 on LIC premium payments and foreign currency spends
Fees
Joining Fee100% cashback up to ₹300 on first utility bill payment within 30 days of card issuance.
Free
Lifetime Free
Annual FeeThis card has no annual fee — it is lifetime free.
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹75K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
45%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeA surcharge of 1.8% is applied to transactions made for booking railway tickets
1%
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment₹175 cash payment fee per deposit
₹175
Late Payment Charges
Amount due
Fee
₹0 – ₹500
₹0
₹501 – ₹5000
₹500
₹5001 – ₹10000
₹750
Above ₹10001
₹1200
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may issue a different card variant based on your eligibility; your application is subject to KYC and approval.Features, fees, and reward rules may change; please read the Most Important Terms & Conditions (MITC) before applying.
