Axis Bank AURA Credit Card

Introducing the Axis Bank AURA Credit Card – a beacon of financial well-being. Illuminate your journey with rewarding experiences and substantial cashback benefits. More than just a card, it’s a partner in your quest for prudent spending and savings. Experience the radiance of financial empowerment as you transact, earn, and save. Join us in exploring how this card brings a new light to your everyday expenses, guiding you towards a brighter and more secure financial future. Welcome to a world where your financial wellness shines.

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The Axis Bank AURA Credit Card is a unique and newly-launched card that focuses on wellness and health benefits. This credit card is specially curated to cater to the needs of health-conscious individuals who want to save on medical expenses. It comes with a host of exciting features, such as complimentary doctor consultations, discounts on medicine purchases, and gift vouchers from Decathlon. The card also offers free fitness sessions, nutritional consultations, and discounts on health check-ups, making it a comprehensive package for those prioritizing their well-being. Additionally, users can earn rewards on all retail expenses, with 5x rewards on insurance spends. Axis Bank AURA Credit Card offers a range of health and wellness benefits that make it an attractive choice for individuals seeking to lead a healthy lifestyle.

Features and Benefits of Axis Bank AURA Credit Card

Welcome Benefits: Get a Decathlon voucher worth Rs. 750 as a welcome gift.
Movie & Dining: Enjoy up to a 20% discount on dining at partner restaurants.
Rewards Rate: Earn 2 EDGE Points for every Rs. 200 spent with the card. Earn 5x EDGE Points on insurance spends.
Reward Redemption: Redeem EDGE Points for shopping/travel vouchers and purchase products from the given catalog on the Axis Bank EDGE Rewards Portal.
Zero Liability Protection: You are not responsible for any fraudulent transactions made after reporting the card loss to the bank.

Axis Bank AURA Credit Card Fees and Charges

Joining fee: INR 749
Annual Fee: From the 2nd year onwards, it’s INR 749
Add-on card joining and annual fee: None
Finance/Interest Charges: 3.6% per month (52.86% per annum)
Cash withdrawal fees: 2.5% (Min. Rs. 500) of the cash amount
Over limit penalty: 2.5% of the over limit amount (Min Rs. 500)
Cheque return or dishonor fee or auto-debit reversal: 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500
Foreign currency transaction fee: 3.5% of the transaction value
Rent Transaction Fee: 1% per transaction (Max Rs.1500). GST applicable as notified by the Government of India.
Dynamic Currency Conversion Markup: 1% of transaction amount + taxes (Applicable on International transactions performed in Indian currency at International location or transactions performed in Indian currency with merchants located in India but registered in foreign nation)
Late payment fees:

- Nil if Total Payment Due is less than Rs. 500
- Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000
- Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000
- Rs. 1200 if total payment due is greater than Rs.10,000

Axis Bank AURA Credit Card Eligibility

Primary cardholder age: Between 18 and 70 years.
Add-on cardholder age: Over 15 years.
Residency requirement: The individual should be either a Resident of India or a Non-Resident Indian.

Documents Required for Axis Bank AURA Credit Card

To apply for the Axis Bank AURA Credit Card, make sure you have the following documents ready:

PAN card photocopy or Form 60.
A colored photograph of yourself.
Proof of income, which can be your latest payslip, Form 16, or IT return copy.
Residence proof, which can be any one of the following: Passport, Ration Card, Electricity bill, or Landline telephone bill.
Identity proof, which can be any one of the following: Passport, Driving license, PAN card, or Aadhaar card.

Axis Bank’s Other Cards

How to apply for Axis Bank AURA Credit Card?

To apply for the Axis Bank AURA Credit Card, you can follow these steps:

Visit the Axis Bank website or go to the Axis Bank AURA Credit Card application page.
Click on the “Apply Now” button for the AURA Credit Card.
Fill in your personal details, such as your name, contact information, date of birth, and PAN card number.
Provide your income and employment details.
Upload the required documents, which may include your PAN card photocopy, identity proof, address proof, and income proof.
Review the application form and make sure all the information is accurate.
Agree to the terms and conditions of the credit card application.
Submit the application.
After submitting the application, the bank will review your details and assess your eligibility for the AURA Credit Card.
If approved, you will receive the Axis Bank AURA Credit Card at the address provided during the application process.

Frequently Asked Questions (FAQs) -

What is Axis Bank AURA Credit Card?

The Axis Bank AURA Credit Card is a premium credit card offering a range of benefits including accelerated rewards, travel privileges, and lifestyle perks. It is designed to cater to the diverse needs of cardholders with features like complimentary lounge access, fuel surcharge waiver, and more.

How can I apply for Axis Bank AURA Credit Card?

You can apply for the Axis Bank AURA Credit Card online through the official Axis Bank website. Simply fill out the online application form with the required details, submit necessary documents, and await approval.

What are the eligibility criteria for Axis Bank AURA Credit Card?

Eligibility criteria may vary, but generally, individuals with a stable income and a good credit score are eligible. Axis Bank considers factors such as age, income, employment status, and credit history during the application process.

What is the annual fee for Axis Bank AURA Credit Card?

The annual fee for the Axis Bank AURA Credit Card may vary. Please check the latest fee structure on the Axis Bank website or contact Axis Bank customer service for the most accurate and up-to-date information.

What are the rewards and benefits of Axis Bank AURA Credit Card?

Axis Bank AURA Credit Card offers a range of rewards and benefits, including accelerated reward points on specific spends, complimentary lounge access at airports, fuel surcharge waiver, and exclusive discounts on dining, shopping, and more. Refer to the card’s terms and conditions for detailed information.

How can I redeem reward points earned on Axis Bank AURA Credit Card?

You can redeem your reward points through the Axis Bank internet banking portal or mobile app. The redemption options may include gift vouchers, merchandise, or statement credit, among others.

Is there a foreign currency markup fee for international transactions?

Yes, there is a foreign currency markup fee applicable to international transactions made using the Axis Bank AURA Credit Card. Refer to the card’s terms and conditions for the latest information on fees and charges.

How can I check my Axis Bank AURA Credit Card statement?

You can check your credit card statement online through the Axis Bank internet banking portal or mobile app. Additionally, Axis Bank sends monthly statements to the registered email address.

What should I do if my Axis Bank AURA Credit Card is lost or stolen?

In case of loss or theft, immediately contact Axis Bank customer service to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

How can I contact Axis Bank customer service for queries related to my AURA Credit Card?

You can contact Axis Bank credit card customer care through the dedicated helpline number provided on the back of your credit card or visit the official Axis Bank website for additional contact options.