Axis Bank Rewards Credit Card

Welcome to our comprehensive guide on the Axis Bank Rewards Credit Card. If you’re looking to earn while you spend, this card is your ideal companion. This article takes a closer look at the exceptional benefits, rewards program, and features that the Axis Bank Rewards Credit Card brings to the table. Whether it’s cashback, discounts, or reward points, this card offers a plethora of opportunities to enhance your shopping and spending experiences. Join us as we navigate through the details, eligibility criteria, and application process for the Axis Bank Rewards Credit Card.

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Key Highlights of Axis Bank Rewards Credit Card

Joining fee	Rs. 1,000
Annual fee	Rs. 1,000
Best for	Rewards
Benefits	Accelerated reward points, complimentary lounge access, offer on Swiggy, insurance benefits, etc.
Welcome benefit	5000 reward points on net spends of Rs. 1,000 or more within 30 days of card issuance.
Rewards	Unlimited 2X EDGE REWARD points on spending every Rs. 125 and 10X reward points on spending every Rs. 125
Age	18 to 70 years
Foreign currency transaction charges	3.50% of the transaction value

Features and Benefits of Axis Bank Rewards Credit Card

Dining Delights Program: Get 30% off on Swiggy orders and 15% discount at partner restaurants.
Rewards Rate: Earn 2 EDGE reward points for every Rs. 125 spent and 10x accelerated EDGE points on departmental and apparel stores.
Reward Redemption: Redeem points for vouchers, products on the EDGE platform, or transfer to partner Airmiles. Use Pay with Points via SMS or online.
Travel: Enjoy complimentary domestic lounge access for both primary and add-on cardholders.
Domestic Lounge Access: Get 2 free domestic airport lounge accesses every quarter.
Insurance Benefits: Benefit from Rs. 1 Lakh purchase protection and coverage for loss of travel documents and baggage.
Zero Liability Protection: Cardholders are not responsible for fraud transactions if they report the loss of the card to the bank promptly.

Axis Bank Rewards Credit Card Fees and Charges

Joining Fee: Rs. 1,000
Annual Fee from 2nd Year Onwards: Rs. 1,000 (waived on annual spends of Rs. 2,00,000 and above)
No annual fee waiver for rent transactions (MCC 6513) and wallet load transactions (MCC 6540).
Add-on card joining fee: Nil
Add-on card annual fee: Nil
Finance Charges: 3.6% per month (52.86% annual)
Cash withdrawal fee: 2.5% (Min Rs. 500) of the Cash Amount
Fee for cash payment: Rs. 100
Duplicate statement fee: Waived
Late payment fee:
Nil if outstanding amount is less than Rs. 500
Rs. 500 if outstanding amount is between Rs. 501 and Rs. 5,000
Rs. 750 if outstanding amount is between Rs. 5,001 and Rs. 10,000
Rs. 1,000 if outstanding amount is greater than Rs. 10,001
Overlimit penalty: 2.5% of the over-limit amount (Min Rs. 500)
Fuel transaction surcharge: 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 5,000)

Axis Bank Rewards Credit Card Eligibility

To qualify for an Axis Bank Rewards Credit Card:

Age: The primary cardholder must be aged between 18 and 70 years.
Residency: The individual should be a resident of India.

Documents Required for Axis Bank Rewards Credit Card

To apply for an American Express Credit Card, you will need to provide the following documents:

PAN card photocopy
Colour photograph
Proof of income (latest payslip, bank statement, Form 16, or IT return copy)
Residence proof (choose one: Passport, Driving License, Voter ID Card, or Aadhaar card)
Identity proof (choose one: Passport, Driving License, Voter ID Card, or Aadhaar card)

Axis Bank’s Other Cards

How to apply for Axis Bank Rewards Credit Card?

To apply for an Axis Bank Rewards Credit Card, you can follow these steps:

Visit the Axis Bank website: Go to the official website of Axis Bank (www.axisbank.com).
Navigate to Credit Cards: Look for the “Credit Cards” section on the website’s main menu.
Explore Credit Card options: Browse through the various credit card options offered by Axis Bank, including their Rewards Credit Cards. Compare the features, benefits, and fees associated with each card to find the one that suits your needs best.
Check eligibility: Before proceeding with the application, make sure you meet the eligibility criteria, which typically include factors like age, income, and credit score.
Fill out the application form: Once you have chosen the Axis Bank Rewards Credit Card you want, click on the “Apply Now” or “Apply Online” button. Fill out the online application form with accurate personal and financial details.
Upload required documents: Scan and upload the necessary documents, such as identity proof, address proof, income proof, and a recent passport-size photograph, as per the bank’s guidelines.
Review and submit: Double-check all the information you have provided in the application form. If everything looks correct, submit the application.
Wait for approval: The bank will review your application and documents. If you meet the criteria and your application is approved, the bank will dispatch the credit card to your registered address.
Activate the card: Upon receiving the card, you may need to follow the instructions provided by the bank to activate the card before you start using it.

Frequently Asked Questions (FAQs) -

What is the Axis Bank Rewards Credit Card?

The Axis Bank Rewards Credit Card is a credit card offered by Axis Bank that comes with a rewards program. It allows cardholders to earn reward points on their everyday transactions, which can be redeemed for a variety of benefits, including merchandise, vouchers, and more.

How do I apply for the Axis Bank Rewards Credit Card?

You can apply for the Axis Bank Rewards Credit Card through the Axis Bank website or by visiting a nearby Axis Bank branch. The application process typically involves submitting the required documents and meeting the eligibility criteria set by the bank.

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

Eligibility criteria may vary, but generally, applicants should be between 18 and 70 years of age, have a stable source of income, and meet other creditworthiness parameters set by Axis Bank.

How are reward points earned with the Axis Bank Rewards Credit Card?

Cardholders earn reward points on eligible transactions made using the Axis Bank Rewards Credit Card. The points accrue based on the type and amount of transactions, and these points can be later redeemed for various rewards.

What can I redeem my reward points for?

Axis Bank offers a range of redemption options, including merchandise, gift vouchers, travel bookings, and more. The specific redemption options and their value may vary, so it’s recommended to check the Axis Bank Rewards Catalog for the latest offerings.

Is there an annual fee for the Axis Bank Rewards Credit Card?

The annual fee for the Axis Bank Rewards Credit Card may vary, and some credit cards may have no annual fee for the first year. It’s advisable to check the terms and conditions or contact Axis Bank for the most up-to-date information on fees and charges.

How can I check my reward points balance?

Cardholders can check their reward points balance through the Axis Bank net banking portal, mobile app, or by contacting the Axis Bank customer service helpline.

Can I convert my reward points to cash?

Typically, reward points earned with the Axis Bank Rewards Credit Card cannot be directly converted into cash. However, they can be redeemed for a variety of other valuable items and services as per the Axis Bank Rewards Catalog.

Is there a grace period for the repayment of outstanding balances?

Axis Bank usually provides a grace period, also known as an interest-free period, during which cardholders can repay their outstanding balances without incurring interest. The grace period varies, and it’s essential to check the terms and conditions associated with the credit card.

How can I contact Axis Bank customer support for assistance?

You can contact Axis Bank credit card customer care here through their helpline, email, or by visiting a local Axis Bank branch.