Best Axis Bank Credit Cards – Top Offers & Rewards

Why Choose Axis Bank Credit Cards?

Before choosing any credit card, it is important to check that there are no hidden charges, how much cashback is available, for travelers whether lounge access is available at the airport or not.

For example, if you take a lot of international flights, then Axis Bank Magnus Credit Card is the best option for you. Similarly, for fuel, you can take IndianOil Axis Bank RuPay Credit Card. Axis Bank offers several Lifetime Credit Cards 2026.

And if you shop from Flipkart, then the Flipkart Axis Bank Credit Card is the best option. This means that you have a lot of options to choose from with Axis Bank Credit Card.

Best Card For 15k Salary  -Atlas Card 

Entry-Level Cards: Easy Cashback & Low Fees

Ideal for beginners, students, or light spenders building credit on groceries, fuel, and online buys.

• Axis Bank Ace Credit Card
  Fee: ₹499 + GST (waived on ₹1.5L spend)
  Rewards: 5% cashback on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5-2% others
  Welcome: ₹500 cashback
  Extras: 4 domestic lounges/year​
• Flipkart Axis Bank Credit Card
  Fee: ₹500 + GST (waived on ₹3.5L spend)
  Cashback: 5% on Flipkart/Myntra, 4% on preferred partners (Swiggy/Cleartrip), 1.5% others
  Welcome: 1,500 EDGE Points
  Extras: Fuel waiver up to ₹500/year​
• Axis Bank Neo Credit Card
  Fee: ₹250 + GST
  Rewards: 10% cashback on top 2 spends (Zomato/Swiggy/etc.), 1% others
  Welcome: 500 EDGE Points
  Extras: Milestone vouchers​
• MyZone Axis Bank Credit Card
  Fee: ₹500 + GST
  Rewards: Bonus points on entertainment/movies
  Welcome: 500 EDGE Points
  Extras: Dining discounts​

Brand Compatibility

Mid-Tier Cards: Balanced Rewards & Lounges

For professionals wanting travel perks without high fees.

• Axis Bank Select Credit Card
  Fee: ₹3,000 + GST (waived on ₹6L spend)
  Rewards: 10 EDGE Points/₹200, 5x on travel
  Perks: 16 domestic + 8 international lounges, golf rounds​
• Axis Bank Privilege Credit Card
  Fee: ₹1,500 + GST (waived on ₹5L spend)
  Rewards: 10-25 EDGE Points/₹200, milestones up to 15k points
  Perks: Unlimited domestic lounges + 4 guests, dining 20-30% off​
• Axis Bank Atlas Credit Card
  Fee: ₹5,000 + GST (waived on ₹7.5L spend)
  Rewards: 5 EDGE Miles/₹100 travel, 2 miles others (1 mile=1 partner point)
  Perks: 10 domestic + 4 international lounges​

Premium & Super-Premium Cards: Elite Travel & Luxury

For high-earners and frequent flyers.

• Axis Bank Magnus Credit Card
  Fee: ₹12,500 + GST (waived on ₹15L spend)
  Rewards: 12-35 EDGE Points/₹200, 5x travel
  Perks: Unlimited lounges, hotel memberships, concierge​
• Axis Bank Reserve Credit Card
  Fee: ₹50,000 + GST (waived on ₹35L spend)
  Rewards: 15-30 EDGE Points/₹200, luxury vouchers
  Perks: Unlimited global lounges + guests, golf, Accor/ITC memberships​
• Axis Bank Burgundy Private (Invite-Only)
  Fee: ₹50,000 + GST
  Rewards: Top-tier EDGE Miles, exclusive benefits
  Perks: Priority everything, wellness/travel elite access​

Rewards & Redemption

EDGE Points: ~₹0.20-1 value; 1 mile=1 airline point. Redeem for flights/hotels (Travel EDGE), vouchers, cashback. Premium cards hit 3-5% returns on travel.​

Eligibility & Documents

Age: 21-60 salaried, up to 65 self-employed.
Income: ₹15k+ entry; ₹40k+ mid; ₹1L+ premium.
Credit Score: 750+.
Docs: PAN, Aadhaar, salary slips/ITR, address proof.​

Fees & Charges Snapshot

Salary Insights

Under ₹50k/month: Ace or Flipkart Axis—₹8k-12k annual value on bills/shopping.

Above ₹50k: Privilege or Atlas—₹15k-25k value with lounges/travel.

Conclusion 

Axis Bank offers a variety of cards for different categories. For example, if you shop at Flipkart, the Flipkart Axis Bank credit card is best for you. For lower salaries, like 15,000 to 20,000, you can apply for the Atlas card.

You should apply for a credit card that aligns with your shopping habits and spending patterns. Carefully review all cards listed above, and apply only after reviewing the full details. The link above will take you directly to the bank’s website, where you can apply.

FAQs

Which Axis Bank credit card is best for beginners?
If you are a Beginner Looking for a credit card, the Ace or Flipkart Axis Credit card is a good option, with a low ₹499 fee and 4-5% cashback on bills/food/shopping. Best For People having  ₹15-25k Salary.​

What is the time limit for Axis Bank credit card payments?

The repayment period for Axis Bank credit cards is approximately 20 to 25 days after the end of the billing cycle. If the previous month’s statement was paid in full, there is a grace period of 20 to 50 days from the transaction date. To avoid interest charges, you must pay your full  outstanding amount by the due date on your monthly statement

Are annual fees always charged?

No, Annual Fees remain unless some card gives you a limit of spending, like In Ace card. If you spend 1.5lakh annually, the fees will be revoked 

How important is a credit score for Axis approval?

Credit Score Plays a Major Role in the Approval of a Credit Card. Your credit score increasesthe  chance of approval for the Axis Bank credit card

What travel redemptions are available?

EDGE Miles redeem 1:1 for flights/hotels via Travel EDGE; Atlas/Magnus excel with 5x miles on travel for 3-5% returns