Best Axis Bank Credit Cards – Top Offers & Rewards

 

 1) IndianOil Axis Bank RuPay Credit Card

This credit card is made for those individuals who regularly drive and spend online, especially at IOCL fuel outlets. The IndianOil Axis Bank RuPay Credit Card is a co-branded fuel card designed for individuals who regularly fuel up at IOCL fuel outlets for driving. This credit card is powered by the RuPay network and Axis Bank EDGE reward scheme.

Welcome Benefit

IndianOil Axis Bank RuPay Credit Card provides a welcome benefit to new cardholders, which is getting a neat bonus right off the bat 100% cash back on the first fuel transaction within 30 days.

CashBack Benefits

Rather than a time welcome benefit, there are rewards or cashback benefits like:-

• Fuel spend at IOCL outlets: 20 EDGE Reward Points per ₹100 spent for fuel transactions at IOCL.
• Online shopping: 5 EDGE Reward Points per ₹100 spent for online spends.
• Other spends: 1 EDGE Reward point per ₹100 on other eligible transactions.

Other Benefits

IndianOil Axis Bank RuPay Credit Card offer various supportive features:-

• Fuel surcharge waiver: 1% fuel surcharge waived for transactions in certain ranges at fuel stations.
• Movie discounts: Up to 10% off on movie tickets booked via BookMyShow.
• Dining discounts: Via partner restaurants under “Dining Delights”, you can get up to ~15%, often with caps and minimums.
• Annual fee waiver: The annual/renewal fee is waived if your spending in the year exceeds a threshold.

Interest and Other Costs

For the IndianOil Axis Bank RuPay Credit Card, there is an interest rate and other costs:-

• Joining / Annual Fee: ₹500.
• Finance or interest rate: Around 3.4% per month.
• Late payment fees: These vary by the amount overdue; small amounts (under ₹500) may not incur a fee, but higher overdue balances carry charges.
• Cash advance/withdrawal: Chargeable (both fees and interest)
  

2) Axis Bank Neo Credit Card

This credit card is tailored for millennials and Gen Z — individuals who prefer or regularly shop online and want discounts, better deals, and convenience without the heavy burden of an annual fee.

Suppose people often use online shopping platforms, order food, pay utility bills, etc., and prefer instant discounts over complex reward points schemes. In that case, the Axis Bank Neo Credit Card is instrumental for them.

Welcome Benefit

Axis Bank Neo Credit Card offers 100% cashback up to Rs. 300 on first utility bill payment made within the first 30 days, in addition to periodic vouchers or instant offers tied to food, shopping or lifestyle merchants.

CashBack Benefits

• EDGE Reward Points: You earn 1 point for every ₹200 spent.
• Instant Discounts: Flat ₹120 off on Zomato valid twice per month, 10% off on Blinkit (groceries) once a month, Discounts on movies via BookMyShow.
• Utility Payments / Recharges: There are cashback or discount offers on utility, broadband, mobile/DTH recharges.

Other Benefits

• Fuel surcharge waiver: There is a 1% fuel surcharge waiver on fuel-station transactions
• Security features: EMV chip, PIN, etc also “Zero lost card liability” in case of theft or misuse once reported.
• EMI conversion: Option to convert large purchases into EMIs.

Interest and Other Costs

• Joining / Annual Fee: ₹ 250 + applicable taxes, for both first year and renewal.
• Interest Rate: 3.75% per month
• Late Payment Charges: Nil for amounts less than ₹500
• Cash Advance Fee: 2.5% of the cash amount
• International Transaction Fee: 3.5% of transaction.

3) Flipkart Axis Bank Credit Card

This credit card is designed for people who frequently use Flipkart, Myntra, travel via Cleartrip for online shopping, and people who use online platforms for them, like lifestyle usage products, food ordering, entertainment, etc.

This Flipkart Axis Bank Credit Card is a promise card that offers cashback and rewards across many places.

Welcome Benefit

A Flipkart voucher worth ₹250 if the cardholder makes the first transaction within 30 days of card issue, and there is a 50% discount up to ₹100 on the first Swiggy order using the card with a special code “AXISFKNEW”. There is an activation benefit or welcome bonus bundle if there is an offer available at the moment.

CashBack Benefits

Merchant	CashBack Rate	Notes
Myntra	7.5%	Up to ₹4,000 per statement quarter
Flipkart & Cleartrip	5%	Each up to ₹4,000 per quarter
Preferred Merchants	4% unlimited	For designated merchants
All other spends	1% unlimited	On all other eligible transactions

Other Benefits

• Fuel surcharge waiver: 1% surcharge waiver on fuel transactions in certain ranges per month.
• Dining offers like “Dining Delight” via EazyDiner: Discounts at partner restaurants.
  

Interest and Other Costs

• Joining / Annual Fee: ₹500
• Interest Rate: 3.75% per month
• Late Payment Fees: Vary depending on the size of your outstanding balance. Payments due are under ₹500, no fee.
• Other Charges: There are typical charges for cash advances, overseas transactions, foreign currency markup, etc.
  

4) Indian Oil Axis Bank RuPay Credit Card (Variant)

This variant of the IndianOil Axis Bank RuPay Credit Card is a premium version with a higher notch than the standard variant.

This premium card is not designed only for heavy fuel spending like the standard variant, but also offers travel & lifestyle perks, lounge access, a more rewarding redemption experience, and accelerated rewards across more categories. 

Welcome Benefit

The premium variant of the IndianOil Axis Bank RuPay Credit Card offers a welcome benefit of 500 EDGE Miles on your first spend within 30 days.

CashBack Benefits

• Fuel spends at IOCL outlets: You earn 6 EDGE Miles for every ₹150 spent up to ₹15,000 spend per month.
• Grocery: 2 EDGE Miles per ₹150 spent, up to a monthly ₹5,000.
• general spends: 1 EDGE Mile per ₹150 on other eligible transactions.

Other Benefits

• Fuel surcharge waiver: Unlimited or generous waiver on eligible IOCL fuel spends.
• Lounge access: Up to 8 complimentary domestic airport lounge visits per year.
• Food delivery offers: For example, Zomato discounts (30%) under certain caps.
• Annual fee waiver: If the cardholder spends above a threshold, then the annual/joining fee is waived.

Interest and Other Costs

• Joining / Annual Fee: ₹1,000 + GST.
• Annual fee waiver: Waived if spends cross ₹1,00,000 in a year.
•  Interest Rate: About 3.6% per month

5) Axis Bank Rewards Credit Card

This credit card is designed for frequent shoppers who want to earn real rewards alongside cashback. Suppose cardholders spend a significant amount on apparel, department stores, dining out, and Swiggy, and want perks like lounge access or a fuel surcharge waiver.

In that case, this credit card is a relevant option because it offers many lifestyle-friendly features.

Welcome Benefit

This credit card provides the cardholder 5,000 EDGE REWARD points as a welcome reward if the cardholder spends ₹1,000 or more within 30 days of card issuance.

CashBack Benefits

• Base earning: 2 EDGE REWARD points for every ₹125 spent on most retail spends.
• Accelerated rewards: For purchases made at apparel & departmental stores, you get 10× reward points on every ₹125 spent, up to ₹7,000/month in some specific categories.
• Milestone benefit: If cardholders spend ₹30,000 in a statement cycle, they earn an additional 1,500 EDGE REWARD points.

Other Benefits

• Dining & Swiggy offers: 30% off on Swiggy, plus discounts via the “Dining Delights” program at partner restaurants.
• Fuel surcharge waiver: 1% fuel surcharge waiver on fuel spends between ₹400-₹5,000 at any fuel station.
• Complimentary lounge access: 2 free domestic airport lounge visits per quarter.
• Purchase protection & insurance: Protection up to ₹1 lakh, baggage, delay, document loss, etc.
• Membership bouquet: On each card anniversary, you get access to a bouquet of benefits worth up to ₹1,000.
  

Interest and Other Costs

• Interest rate: Up to 3.75% per month
• Annual fee: annual fee can be waived off if you cross a certain spend.
• Fuel surcharge and transaction limits: The fuel surcharge waiver applies only to transactions between ₹400 and ₹5,000.

6) Axis Bank Atlas Credit Card

This credit card is designed for people who frequently travel through airlines but does not want to be tied up to any particular airline, it provides a mix of travel benefits, miles, lounge access and tiered privileges.

If people are seeking a credit card that can add value in their travel, including flights, hotels, overseas travel, or frequent airport visits, then the Axis Bank Atlas Credit Card is a good option.

Welcome Benefit

Axis Bank Atlas Credit Card offers a welcome benefit: 2,500 EDGE Miles upon your first transaction within 37 days of issuance.

CashBack Benefits

• You earn 5 EDGE Miles per ₹100 spent on travel categories, specifically direct airline spends, direct hotel spends, and via the Axis Travel EDGE portal, up to ₹2,00,000 spend per month.
• For non-travel or other eligible spends, the earn rate is 2 EDGE Miles per ₹100 spent.

Other Benefits

• Tier System: Silver, Gold, Platinum tiers. As your annual spending increases.
• Airport Lounge Access: Complimentary domestic & international lounge visits rise with higher tiers.
• Milestone Rewards: Bonus EDGE Miles on achieving spending thresholds in an anniversary year.
• Fuel Surcharge Waiver: A 1% waiver on fuel surcharge for transactions between certain amounts.
  

Interest and Other Costs

• Annual Fee: ₹5,000 + GST. Renewal fee the same.
• Welcome & Renewal Benefits: Renewal benefits aligned with tier higher tiers may get extra EDGE Miles when you renew.
• Finance Charge: 3.75% per month
• Late Payment Fees: Nil for small overdue amounts
• Forex Charges: Noted by reviews that the forex mark-up is 3.5% + GST.

7) Axis Bank ACE Credit Card

This credit card is built for giving the real value to routine spending of cardholders like bills, food delivery, recharges without any complex reward points conditioning, it is a mix of decent cashback rates, useful lifestyle benefits, and manageable fees.

Welcome Benefit

ACE doesn’t always go big on flashy welcome bonuses, but it does offset its joining cost. Sometimes, banks run promotions in which the joining fee might be reduced or waived under certain conditions.

CashBack Benefits

• 5% cashback on bill payments & recharges for DTH / mobile when done via Google Pay.
• 4% cashback on Swiggy, Zomato & Ola transactions.
• 1.5% cashback on all other eligible spends.

Other Benefits

• Lounge Access: 4 complimentary domestic airport lounge visits per year.
• Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹4,000
• Dining Offers: Up to 15% off at partner restaurants via EazyDiner etc.
• Annual Fee Waiver: If your annual spends cross ₹2,00,000, the annual fee can be waived.

Interest and Other Costs

• Interest Charge: 3.75% per month
• Cash Withdrawal Fee: 2.5% of cash amount
• Late Payment Charges: Varies by how much is due.
• Forex & other fees: 3.5% on foreign currency transactions etc.

8) Axis Bank SELECT Credit Card

The Axis Bank SELECT Credit Card is designed for people who spend heavily on travel, retail, dining, and a luxury lifestyle.

Axis Bank SELECT Credit Card is a premium card positioned above many standard cards and offers a bundle of upscale privileges with strong reward potential. It offers international lounge access, golf rounds, high reward multipliers, and milestone/waiver benefits.

Welcome Benefit

On the first transaction of using a card within 30 days of card issuance, cardholders get 10,000 EDGE Reward Points, which are valued at around ₹2,000.

CashBack Benefits

• Base earn: 10 EDGE Reward Points for every ₹200 spent on general eligible spends.
• Accelerated rewards: 2× rewards on retail shopping up to ₹20,000 per month.
  

Other Benefits

• Airport Lounge Access: Complimentary international lounge visits via Priority Pass, plus additional ones when spend thresholds are met.
• Golf Access: A certain number of complimentary golf rounds annually.
• Fuel Surcharge Waiver: 1% waiver on fuel surcharge for purchases between roughly ₹400-₹4,000.
• Milestone & Annual Fee Waiver: If you spend high enough, you get bonus reward points.

Interest and Other Costs

• Joining Fee: ₹3,000 + applicable GST
• Interest Rate: Around 3.6% per month
• Late Payment Fees: Slab based. If Total Payment Due ≤ ₹500, no charges.

9) Axis Bank Magnus Credit Card

This credit card blends travel and status. The Axis Bank Magnus Credit Card is a premium category card among Axis Bank’s other credit cards. It is suitable for those people who consistently spend a lot on travel, fine dining, lifestyle perks, and luxury benefits.

This card provides lounge access to both domestic & international flights, hotel discounts, dining offers, and more.

Welcome Benefit

Activating Axis Bank Magnus Credit Cards offers a welcome bonus on the first transaction within 30 days of issuance: a Luxe gift card, a Postcard Hotels voucher, or a Yatra voucher worth ₹12,500.

CashBack Benefits

• Earn 12 EDGE Reward Points for every ₹200 spent for monthly spends up to ₹1.50 lakh.
• spends beyond ₹1.50 lakh in a month, get 35 EDGE Points per ₹200 for incremental spends.
• Travel spends via Axis’s Travel EDGE portal earn even more 60 EDGE Points per ₹200 for travel spend.

Other Benefits

• Lounge Access: Unlimited international Priority Pass lounge visits, plus several guests.
• Dining Discounts: Up to 30% off at over 4,000 partner restaurants across India.
• Fuel Surcharge Waiver: 1% between certain transaction amounts.
• Other Fee-Reductions: Lower foreign currency mark-up 2%, no cash withdrawal fee, reduced interest on extended credit.

Interest and Other Costs

• Joining Fee: ₹12,500 + GST.
• Annual Fee Waiver: Waived if you spend ₹25 lakh in the preceding year.
• Interest Charges: About 3.0% per month on outstanding balances
• Other charges: Foreign currency markup 2% etc.

10) Axis Bank Vistara Infinite Credit Card

This Axis Bank Vistara Infinite Credit Card is designed for people who love to fly and want extraordinary perks beyond ordinary credit cards.

This credit card is designed for high-spending, frequent flyers who want business-class tickets, airport lounge access, and elite status in Club Vistara, among other travel and lifestyle benefits.

Welcome Benefit

A complimentary Business Class ticket voucher on paying the joining fee and a Complimentary Club Vistara Gold membership, which includes priority check-in, priority boarding, extra baggage allowance, etc.

CashBack Benefits

• 6 CV Points for every ₹200 spent on eligible purchases.
• There are spending milestones during a card-anniversary year which unlock business class ticket vouchers.

Other Benefits

• Airport lounge access: 2 complimentary domestic lounge visits per quarter at select airports in India.
• Golf privileges: 6 complimentary rounds annually at certain golf courses.
• Insurance protections: Purchase protection up to ₹1 lakh; covers loss/delay of checked-in baggage, loss of travel documents etc.
• Fuel surcharge waiver: 1% waiver on fuel transactions in a set range.

Interest and Other Costs

• Annual fee: ₹10,000 + GST.
• Interest Rate: About 3.6% per month
  
• Foreign currency markup: 3.5% on transactions made outside India or in foreign currency.
• Cash advance fees: Around 2.5% of the amount