Shopping rewards
Axis Bank Rewards Credit Card
A mid-fee rewards card: about 3.2% back at apparel and department stores, monthly bonus points when you spend ₹30,000, and domestic lounge visits.
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward10X at apparel and department stores
Lounge2 domestic a quarter (spend-based)
Forex markup3.5%
Best for: Shoppers who spend ₹5,000 to ₹7,000 a month on clothes and at department stores.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Apparel and department stores | 20 points per ₹125 (about 3.2%) | ₹7,000 spend a month |
| Other spends | 2 points per ₹125 (about 0.3%) | – |
| Rent, wallet loads, fuel, government, utilities, insurance, education, EMI, tolls, gift cards | Nothing | – |
- 1 point = about ₹0.20; points can also go to airline and hotel partners.
Benefits
Welcome benefit
- 5,000 points (about ₹1,000) on ₹1,000 spend in the first month.
Milestones
- 1,500 points (about ₹300) in any month you spend ₹30,000.
Travel and lounges
- 2 domestic lounge visits a quarter with ₹50,000 spend in the previous 3 months.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹400 a month.
- Forex markup 3.5%.
Other perks
- Anniversary memberships worth up to ₹1,000 when you pay the fee
Fees and charges
| Joining fee | ₹1,000 + GST (₹1,180) |
|---|---|
| Annual fee | ₹1,000 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 70
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Strong rate on clothes shopping
- Monthly milestone bonus
- Domestic lounges
Watch out for
- Very low base rate
- Many categories earn nothing
- Lounges need ₹50,000 a quarter
Recent changes
- 22 Sep 2026Transfer partners reshuffled; Accor ALL returned.
- 28 Aug 2026Fee on rupee payments to foreign merchants raised to 3.5% + GST.
Frequently asked questions
What is 10X on Axis Rewards?
You get 20 EDGE points per ₹125 at apparel and department stores, about 3.2% back, on up to ₹7,000 a month.
Ready to apply for the Axis Bank Rewards Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.