First-year fee
₹750 to join.
Annual fee
₹750 a year.
What it gives back
3 Points per ₹200 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual fee
₹750 a year.
Joining fee
₹750 to join.
Add-on card fee
Add-on Card Joining Fee Nil; Add-on Card Annual Fee Nil.
Welcome offer
Welcome benefit
Complete 2 transactions within 30 days of card issuance to get a SpiceJet voucher worth ₹1500.
Rewards
Reward rate
3 Points per ₹200 · everyday spends3 Points for every ₹200.
Catalogue redemption
Redeem the Points against spends on SpiceJet Flight tickets, meal vouchers, etc.
Card benefits
Domestic lounge access
Experience 4 complimentary domestic lounge vists every year subject to minimum spends of ₹50,000 in the previous quarter.
Hotel or travel programme
Wednesday Delight: Instant savings of up to 15% on flights & hotels via MakeMyTrip
Dining programme
Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
Milestone benefits
Earn 2000 SpiceClub Points on achieving annual spend of ₹1 lakh in a card membership year; Earn 3000 SpiceClub Points on achieving annual spend of ₹2 lakh in a card membership year.
Renewal benefit
Earn 1000 SpiceClub Points on every successful renewal of credit card.
Membership tiers and what unlocks them
Get on boarded to privileges of SpiceClub Silver membership on card issuance.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on fuel purchases at all fuel stations across India. Valid on transaction between ₹400 to ₹4000; Maximum monthly benefit upto ₹400. GST on fuel surcharge is non refundable
Purchase to EMI conversion
Just contact us and convert your transaction of ₹1500 or more into easy EMI.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% 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
2.5% (Min. ₹500) of the cash amount.
Interest on unpaid balance
3.75% 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 - ₹5,000; ₹750 if between ₹5,001 - ₹10,000; ₹1,200 if greater than ₹10,001 - ₹50,000; ₹1,300 if greater than ₹50,000.
Over-limit fee
Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).
Payment return or dishonour fee
Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.
Statement or duplicate statement fee
Duplicate Statement Fee: Waived
Card replacement fee
Replacement fee: Waived
Cash payment / cash deposit fee
Fees for Cash Payment at Branches: ₹175.
Education / school fee charge
Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.
Fee for paying the bill by cheque
Outstation cheque fee: Waived
Fee on online skill-based gaming spends
Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.
Wallet load charge
Wallet Load Transaction Fee: 1% 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
Rent Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.
Utility transaction fee
Utility Transaction Fee: 1% 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
Eligibility
Age the primary cardholder must be
Primary cardholder should be between the age of 18 and 70 years.
Eligibility
The individual should be a Resident of India.
Ways to redeem your points
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Effective 1st Oct 2025, unredeemed EDGE REWARD Points/Miles are forfeited 30 days after credit card closure, or if the minimum amount due remains outstanding for more than 90 days
Whether carrying a balance ends the interest-free period
The Free Credit Period is lost if the Total Amount Due of the previous month is not paid by the Payment Due Date.
How we know - 6 documents from Axis Bank, checked 8 Nov 2026
₹750 a year
ApplyThe Sunday Statement.
Every Sunday. What your bank changed this week — before your statement tells you.