Axis Bank Rewards Credit Card
Simple rewards. No fuss. Just swipe and earn.
Network: Visa | Type: Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 + GST
- Waiver: No waiver offered
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver on fuel spends ₹400–₹4,000/month (up to ₹250/month)
- Redemption Fee: ₹0
- Late Payment Fee: ₹400 to ₹1,300 based on total amount due
- Interest Rate: 3.4% per month (40.8% p.a.)
- Cash Advance: 2.5% or ₹500 (whichever is higher)
Credofly Review
This card is made for beginners. No welcome bonus or lounge access, but it makes up for it with simplicity and reliability. You earn flat EDGE Points on your daily spends, which you can redeem for useful vouchers or products. Great as a second card or for building your credit score.
Rewards & Earnings
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2 EDGE Reward Points per ₹125 on all eligible spends
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No reward multipliers on specific categories
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1 EDGE RP = ₹0.20 to ₹0.25 approx. (varies by redemption)
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Redeem points on the Axis EDGE Rewards portal
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Redeem points at edgerewards.axisbank.com
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Options include electronics, travel, gift vouchers, and donations
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Typical redemption value: ₹0.20–₹0.25 per point
Benefits
- Welcome:
None
- Milestone:
None
- Renewal:
None
- Lifestyle:
Why We Like It
No complicated categories, no high spend milestones. This card just gives flat points on every ₹125 you spend. Great for students, first-job professionals, and low-maintenance users.
Pros & Cons
✅ Pros
Flat 2 EDGE Points per ₹125 on all spends
Access to wide Axis EDGE Rewards catalog
Easy to apply, great second card or beginner card
❌ Cons
No milestone, travel, or dining benefits
Reward rate is lower than Axis Flipkart or Airtel
No joining bonus or annual fee waiver
Eligibility & Application
Eligibility:
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Age 18+
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Indian resident
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Entry-level income acceptable
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Axis Bank customer not mandatory
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Basic KYC required
How to Apply:
Apply in 2 minutes via Credofly:
Complete the short form, submit PAN and Aadhaar, and get the card delivered in 5–7 working days.
FAQs
How much is 1 EDGE Reward Point worth?
Typically ₹0.20 to ₹0.25 depending on what you redeem it for.
Is there a waiver on the annual fee?
No, this card does not offer a fee waiver based on spend.
Are there any welcome offers?
No. This card has no welcome gift or bonus points.
Can I use it for fuel or rent payments?
Yes, but you won’t earn any reward points on those spends.
Who is this card best suited for?
First-time credit card users, students, and salaried individuals with modest spends.
How do I redeem EDGE Points?
Log in at edgerewards.axisbank.com and redeem for vouchers, gadgets, flights, and more.
Is it better than Axis Flipkart or Airtel card?
If you’re looking for category-specific rewards, those are better. But Axis Rewards is simpler and broader.
Can I upgrade this card later?
Yes, based on your spend history and credit profile, you can request an upgrade to Axis Select or Flipkart card.
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