Axis Bank Kwik Credit Card

Joining feeAnnual feeAdd-on card fee

₹0

Reward rate

2 EDGE REWARD points per ₹200 · everyday spends2 EDGE REWARD points per ₹200 spent on domestic and international transactions.

Fuel surcharge waiver

1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000, with a maximum waiver of up to ₹150 per month

Forex markup

3.5% on foreign currency transactions.3.5% of the transaction value

Dynamic currency conversion markup

3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

Min. ₹500 up to 2.5% of the cash withdrawal amount

Interest on unpaid balance

3.7% per month (55.55% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if total payment due is less than ₹500; ₹500 if between ₹501 to ₹5,000; ₹750 if between ₹5,001 to ₹10,000; ₹1,200 if between ₹10,001 to ₹50,000; ₹1,300 if greater than ₹50,000.

Over-limit fee

2.5% of the over-limit amount (excluding interest, fees, charges and taxes), subject to a minimum of ₹500

Payment return or dishonour fee

2% of the payment amount subject to Min. ₹500

Statement or duplicate statement fee

Duplicate statement fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

₹175 per payment transaction for cash payment at branches (daily limit for cash payment is ₹50,000)

Education / school fee charge

1% fee per transaction on education payments made via third party apps.

Fee for paying the bill by cheque

Outstation cheque fee: Waived

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

1% fee per transaction on each rental transaction; taxes applicable as notified by Government of India

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100