Best Credit Card

All Benefits

  • Earn 12 EDGE Reward Points per ₹200 on spends up to ₹1.5 lakh per month
  • Earn 35 EDGE Reward Points per ₹200 on incremental spends above ₹1.5 lakh
  • Convert rewards at 5 EDGE Points = 4 partner miles
  • Annual reward transfer limit of 10 lakh EDGE Reward Points
  • Earn 5X EDGE Reward Points on Travel EDGE bookings up to ₹2 lakh per month

Fees

Joining Fee Get a FREE one-way domestic economy flight or a Luxe Gift Voucher or a Postcard Hotels Voucher worth up to ₹12,500 as your Joining Benefit.
₹35,400
₹30,000 + GST
Annual Fee The annual fee is waived if you spend ₹25 lakh or more in a year on your card, as per bank policy.
₹35,400
₹30,000 + GST

Eligibility

Age
18-70 years
Salary
₹2L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 2% 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 (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR) Finance charges of 3% per month apply on unpaid outstanding balances until the amount is fully repaid.
3%
ATM Withdrawal N/A
N/A
Reward Redemption Voucher redemptions are usually Nil on EDGE Rewards. ₹99 + GST per transaction applies for partner transfers/conversions. Some tiers may apply as per bank T&Cs.
₹99
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
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 No cheque payment fee is charged
N/A
Cash Payment ₹175 cash payment fee per deposit.
₹175

Late Payment Charges

Amount dueFee
₹0 - ₹500₹0
₹501 - ₹5000₹500
₹5001 - ₹10000₹750
Above ₹10,000₹1200

Late Payment Fee is based on the total amount due: Nil (<₹500), ₹500 (₹501–₹5,000), ₹750 (₹5,001–₹10,000), ₹1,200 (>₹10,000).

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared.

Reward Exclusions

Fuel SpendsWallet LoadsRent PaymentUtility Bill PaymentsGovernment-related TransactionsInsurance PaymentsJewellery PurchasesRewards RedemptionCash AdvancesOutstanding Payments

Terms & Conditions

  • Rewards are not applicable if you are or have previously been an existing AXIS Credit Card holder
  • If you apply for a different credit card after redirecting, rewards will be credited as per the reward rate applicable to the card applied for
  • No rewards are applicable on the AXIS Neo Credit Card
  • Tracking will be completed within 72 hours after Application ID generation
  • Reward confirmation will occur within 75 days of card activation
  • A minimum transaction of ₹100 must be completed within 30 days of card issuance to keep the card active; failing this may lead to card closure and loss of rewards
  • If VKYC is completed more than 50 km away from your Aadhaar or communication address, the application may be rejected and rewards will not be applicable
  • Rewards are not applicable for applications made directly via the Axis Bank App.

Full charges and terms: Bank MITC / Terms