Digital Stories

Benefits of availing an Axis Bank Credit Card

When it comes to credit cards, Axis Bank definitely stands out with its array of credit cards designed specially to meet the different needs of customers. Whether you are an avid traveller, or someone who has a never-ending shopping wish list, or a dedicated movie buff, Axis Bank has a credit card for everyone. The Axis Bank credit card helps you not to only make transactions that match your lifestyle, but also gives you access to exclusive Axis Bank credit card offers that lets you save significantly on every purchase, while also earning you reward points. There are also exciting joining perks and joining benefits when you apply for Axis Bank credit card.

If you are curious to know whether the Axis credit card is ideal for you, read on to know all about the special financial tool from one of the most popular private sector banks in India.

Features and Benefits of Axis Credit Card

Here is a list of features and benefits of Axis credit card that you can find across all card types.

  1. Axis Bank credit card comes with high purchase limits which can be easily converted into EMI
  2. Using MyDesign advantage, you can design the look of your Axis credit card
  3. For enhanced security, each Axis Bank credit card comes embedded with EMV chips
  4. Reward points can be earned through Axis Bank’s EDGE Loyalty programme and used to redeem over 500 rewards
  5. Airline vouchers and VIP airport lounge access can be availed using the Axis credit card
  6. Axis Bank credit card offers unlimited discounts at merchant outlets for shopping, dining, and e-commerce transactions
  7. Axis Bank credit card helps earn cashback and offers access to world-class privileges

Highlights of the Top 5 Axis Bank Credit Cards

To give you an idea about what each Axis card offers, we have shortlisted five of the top credit cards across categories and mentioned them along with their most notable highlights-

1. Axis MY Zone Credit Card

This Axis Bank credit card is ideal for the fun seeker who likes to step out every now and then for shopping, dining and movies. On movie ticket purchases made through Paytm, the card gets you 25% cashback. You also get one free airport lounge access every month. For every INR 200 spent on the card, you can earn 4 EDGE reward points. Also, as a welcome gift the Axis Bank credit card offers a discount of up to INR 1,000 on Myntra as a welcome gift.

2. Axis Bank NEO Credit Card

This a personalised Axis Bank credit card that offers spending benefits while also catering to your saving needs. Swiping the card for the very first time gets you a INR 250 worth Amazon voucher. You also get BookMyShow vouchers worth INR 300 when you apply for Axis Bank credit card. Using this card at partner restaurants can get you a minimum of 15% discount while also allowing you to earn Axis Bank EDGE reward points against every transaction.

3. Axis Bank Signature Credit Card with Lifestyle Benefits

This Axis Bank credit card is the ideal card to enjoy high-end benefits and upgrade your lifestyle to a classy one. The card comes with a free Priority Pass programme membership which gives access to over 600 VIP lounges, along with two quarterly complimentary visits to selected VISA lounges. Using the card to book movie tickets on the BookMyShow platform can get you up to 50% cashback. Discounts of up to 15 per cent can also be earned on the card at partner fine dining restaurants.

4. Indian Oil Axis Bank Credit Card

This Axis credit card is designed to offer benefits especially against fuel transactions. You get 1% fuel surcharge waiver and 4% value back for spends on fuel at IOCL pumps, while also earning 20 EDGE reward points against every INR 100 spent. The card also offers a 10 per cent discount on movie tickets booked through BookMyShow and 1% value back on online shopping. You can also enjoy an impressive 100 percent cashback of up to INR 250 for purchases made in the first 30 days since issuance.

5. Axis Bank Insta Easy Credit Card

This Axis Bank lifetime free credit card is enabled with a pin and chip and is issued against your Axis Bank Fixed Deposit account. As a result, you get access to easy approvals on purchases and a flexible credit limit. For a 50-day period, the Axis Bank lifetime free credit card offers free credit. There is also the scope of 100% cash withdrawal against the card. For every INR 200 spent on the card for domestic or international purchases, you can earn 6/12 points.

Axis Bank Credit Card Charges of Top 5 Credit Cards

The Axis Bank credit card charges of the five cards described in the last section is mentioned below-

  My Zone Credit Card NEO Credit Card Axis Bank Signature Credit Card with Lifestyle Benefits INDIAN OIL AXIS BANK Credit Card Axis Bank Insta Easy Credit Card


Joining Fee INR 500 INR 250 waived upon spends of Rs. 2500 in 45 days  




INR 5000

INR 500  





Annual Fee INR 500   INR 250  






INR 3000

2nd year onwards: INR 500 (waived off against spends of INR 50,000 in one year)  







Interest rate 3.40% p.m (49.36% p.a) 3.40% p.m (49.36% p.a) 3.40% p.m (49.36% p.a) 3.40% p.m (49.36% p.a) 2.50% p.m (34.49% p.a)


Along with these charges, there are some Axis Bank credit card charges that are the same for all the Axis credit card options. These include-

Category Amount
Cash Payment Fee INR 100/-
Card Replacement Fee INR 100
EMI charges 1.5% (Monthly Reducing Balance)- Post Purchase

14% p.a. for 1 Year (Merchant)

Zero cost EMI option available

ATM Cash Withdrawal Fees 2.5% /Min. INR 500
Overdue Penalty or Late Payment Fee If the amount is less than INR 300- Nil

If amount is between INR 301 and INR 500- INR 100

If amount is between INR 501 to INR 1000 – INR 500

If amount is between INR 1,001 to INR 10,000 – INR 750

If amount is between INR 10,001 to INR 25,000 – INR 950

If amount is between INR 25,001 to INR 50,000 – INR 1000

If amount is over INR 50000- INR 1200

Fuel Transaction Surcharge 1% of the transaction amount (transaction amount between INR 400 and INR 4000)
Foreign Currency Transaction Fee 3.50% of the amount


Axis Bank Credit Card Offers

As offers are more often than not the reason for getting a credit card, Axis Bank ensures that the Axis Bank credit card offers don’t disappoint. By making purchases using your Axis Bank credit card you can earn eDGE Reward Points, Air Miles, as well as co-branded loyalty points (Example- Club Vistara Points). You can track all your payments from the Axis bank credit card statement. The reward points can be redeemed against merchandise while Air miles collected can be used to book flight tickets. Under the exclusive Dining Delights programme of Axis Bank, you also get discounts on fine dining at partner restaurants. Discounts can also be availed on online shopping across platforms such as Myntra, Amazon, etc., as well as on movie tickets purchased using BookMyShow. There are also special fuel surcharge waivers and cash back on recharges, however, the same varies from card to card. Apart from these Axis Bank also releases special seasonal Axis Bank credit card offers. Recently, for the festive season, Axis Bank partnered with some of the top brands to get you the best discounts, offers, and attractive EMI options. These included Flipkart, Amazon, Tata CLiQ, HP, Marks & Spencers, Westside, Whirlpool, LG, Samsung, D Mart and more.

To sum it up, the Axis bank credit card offers and rewards are too good for you to resist, and its discounts and advantages are designed to make credit transactions the dependable option. So if you are in the lookout for your first credit card or are hoping to upgrade your existing credit card, you should definitely consider checking out the long list of Axis Bank credit cards and wish list the ones you like best. You can avail a shopping credit card, travel credit card, lifestyle credit card, and a fuel credit card with benefits such as personal loan conversion option, EMI conversion option, and numerous discounts and rewards. Download Finserv MARKETS App to know more.