Axis Bank credit cards compared

The Axis Bank ACE Credit Card remains one of the stronger flat-rate cashback options for everyday Indian spenders, though it isn't free to hold — the ₹499 fee only drops off once you clear ₹2 lakh in annual spend, and neither rent payments nor wallet top-ups count toward that threshold. Route utility bills through Google Pay (electricity, water, gas, LPG, broadband, plus DTH and mobile recharges) and you'll earn 5% cashback, while Swiggy, Zomato and Ola purchases return 4% without needing Google Pay at all — that requirement applies only to the utility tier. Both accelerated categories draw from a shared ₹500-per-cycle cap, after which spending falls back to an uncapped 1.5% base rate, and there's also a 1% fuel surcharge waiver. Spend ₹50,000 across the prior three months and you unlock four free domestic lounge visits a year. One wrinkle worth knowing: since December 2024, Axis has been charging 1% on utility spending above ₹25,000 in a cycle — a surcharge that directly eats into the category this card is built to reward. Account for that cap and it's still a clean, reliable cashback card.

Axis Bank built the Horizon as the direct replacement for the retired Citi PremierMiles, pricing it at ₹3,000 (₹3,540 with GST) and skipping any spend-based route to waive that fee. Spending on the Axis Travel EDGE portal or straight through an airline earns 5 EDGE Miles per ₹100; note that hotel bookings sit outside this bracket and only qualify on the pricier Atlas, while every other purchase — including online travel agents — settles for the base 2 miles per ₹100. What actually makes the card worth carrying is lounge entry that asks nothing of your spend: 32 domestic visits annually, worked out to roughly two a month, plus 8 international visits through Axis's own lounge network rather than Priority Pass, unlocked with a token USD 1 charge on the card. New cardholders get 5,000 EDGE Miles for spending just ₹1,000 in the first month, and from the second renewal onward there's a further 1,500 miles each year. A transfer-partner shakeup in April 2026 dropped Accor and Marriott entirely; most remaining partners still convert at par (₹1 per mile), though British Airways, Finnair, IndiGo BluChip, Vietnam Airlines and a since-restored Qatar Airways Privilege Club all sit at a weaker 2:1. The Horizon also imposes its own transfer limits — 1,00,000 miles a year into Group A partners and 4,00,000 into Group B — within an overall cap of 5,00,000 miles annually.

Axis Bank issues the SUPERMONEY RuPay card together with the super.money app, and the whole product is built around one habit: paying by UPI. There's no joining fee and no annual fee, ever, so the card costs nothing to hold. Route a UPI payment through the super.money app and you get 3% cashback, capped each cycle at whatever you've earned that same cycle from your non-app spending — with a guaranteed ₹100 floor even if that other spending is thin. Every other purchase earns a flat 1% with no ceiling, a change Axis made on 1 January 2026 when it scrapped the earlier flat ₹500-a-month cashback limit. Anything under ₹100 doesn't earn at all, so this isn't a card for very small transactions. On the cost side, Axis waives 1% of the fuel surcharge on pump transactions between ₹400 and ₹4,000, capped at ₹400 back per cycle, and being RuPay-based the card scans into any UPI app without you needing to carry it. Between the zero cost and the QR-scan convenience, it's a strong pick for anyone who wants a free way to earn back a little on UPI spending.

Atlas has become the default choice for Indian travelers building a dedicated miles card, and its earn structure explains why: 5 EDGE Miles for every ₹100 routed through Axis Travel EDGE or booked directly with an airline or hotel, up to a ₹2 lakh monthly ceiling on that accelerated rate, with everything else — including online travel agencies — falling back to a flat 2 miles per ₹100. Axis reworked the transfer partner list in April 2026, pulling Accor and Marriott off the roster while bringing in British Airways, Finnair and Vietnam Airlines, all at a less favorable 2:1 conversion. Qatar Airways Privilege Club was cut in the same round but came back by August 2026, still stuck at that weaker 2:1 rate rather than the stronger 1:2 the card offers on partners such as Air India's Maharaja Club. Joining now gets you 2,500 welcome EDGE Miles — half of what cards issued before April 2024 received — but at a 1:2 conversion that's still roughly ₹5,000 in value, enough to cover the ₹5,000 joining fee outright. Spend-based milestones layer on top: 2,500 miles at ₹3 lakh of annual eligible spend, another 2,500 at ₹7.5 lakh, and 5,000 more at ₹15 lakh — running independently of the card's separate status ladder, which starts at Silver and moves to Gold at ₹7.5 lakh and Platinum at ₹15 lakh.

Flipkart's Super Elite card breaks from the standard Flipkart Axis playbook by paying in Flipkart SuperCoins rather than straight cashback. Flipkart Plus subscribers earn 12 SuperCoins for every ₹100 spent on Flipkart, with non-Plus cardholders getting half that at 6 per ₹100; each transaction tops out at 300 SuperCoins for Plus members and 150 for everyone else, a ceiling that kicks in once a single order hits ₹2,500. Every other purchase earns a flat 2 SuperCoins per ₹100. The catch with SuperCoins is that they're store credit, not cash — the best-case redemption is 1:1 against a Flipkart gift voucher, but that option isn't always open, so a coin is worth closer to ₹0.50 in practice. New cardholders get 500 SuperCoins upfront along with trial subscriptions to Lenskart Gold, Gaana Plus, and YouTube Premium. The ₹590-all-in annual fee (₹500 plus GST) disappears if you spend ₹2 lakh in the card year. There's no lounge access on this card, and a handful of categories — EMI conversions, gift cards, fuel, rent, and wallet top-ups — earn no SuperCoins at all.

Axis Bank's Burgundy Private Credit Card, sold under the branding "The One Card," is not something you can apply for directly — it comes bundled with membership in Axis Burgundy Private, the bank's top private-banking tier, which generally requires close to ₹5 crore in total relationship value. Spending on the card earns 15 EDGE Reward Points per ₹200, and those points move across to 24 airline and hotel loyalty programmes at a 5:4 ratio — the richest transfer rate Axis offers on any card in its lineup, and one that survived both the 2023 and 2026 rounds of partner cuts. Run through a strong transfer partner, that earn rate is worth roughly 6% back; redeemed through the in-house EDGE catalogue instead, it drops to about 1.5%. Where the card really separates itself is cost and cross-border spending: the ₹50,000 fee is waived entirely for Burgundy Private members, foreign transactions carry no markup, and cash withdrawals attract no advance fee — a combination Indian issuers rarely offer, though Axis extends the same terms to its other super-premium products. The benefits list reads accordingly: unrestricted domestic and international lounge entry through Priority Pass for both the primary card and any add-ons (with 12 guest passes and 8 meet-and-assist visits thrown in), up to 50 domestic golf outings a year plus 4 abroad, round-the-clock concierge support, and complimentary enrolment in Club Marriott, Accor Plus, Taj Epicure and EazyDiner Prime. One thing worth flagging for anyone still comparing this against old marketing material: the 30,000-point welcome and renewal bonus that used to headline this card was pulled on 20 April 2024, so new cardholders should not expect it.

Axis Bank's Miles & More World card is the only credit card in India that credits spending directly into Miles & More — Lufthansa Group's frequent-flyer currency and a Star Alliance programme usable across Lufthansa, Swiss, Austrian, United, Air Canada, Singapore Airlines and other partner carriers. Every ₹200 spent earns 4 Award Miles, an effective return of roughly 2%, and unlike many co-brand programmes these miles sit in your account indefinitely as long as the card stays open. New cardholders start with 5,000 welcome miles, get another 3,000 on each renewal, and can use up to 16 domestic lounge visits a year (four per quarter, tied to a spend condition Axis hasn't made public) plus two international visits through Priority Pass. A fairly long exclusion list — rent, fuel, wallet top-ups, government and tax payments, insurance, utility bills, EMI conversions, cash withdrawals and gold or jewellery — earns no miles at all, and fuel spending above ₹50,000 in a cycle triggers a 1% surcharge rather than the waiver many cards offer. At a 3.5% forex markup, this isn't a card to carry overseas; it's built to earn quietly in India and pay off when you redeem for a Star Alliance flight.

The Axis Flipkart card remains the natural pick for anyone who shops heavily on Flipkart, but two things once true of this card no longer hold: it isn't lifetime-free anymore (there's a ₹500 fee, waived once you clear ₹3.5 lakh in annual spend, not counting rent or wallet loads), and the 5% cashback is no longer unlimited. Following a revision in June 2025, the card now pays 7.5% on Myntra and 5% on both Flipkart and Cleartrip, but each of those three merchants comes with its own ₹4,000 cap per statement quarter — the caps don't combine across merchants, and unused headroom simply disappears at quarter-end. Above that sits a 4% rate on what Axis calls its "preferred merchants," a list the bank keeps private and can revise whenever it likes; the only merchant it names outright in its terms is Swiggy food delivery. Everything else earns a flat 1%. The same June 2025 update also stripped out complimentary lounge access, though the 1% fuel surcharge waiver is still in place. For shoppers who stay loyal to Flipkart and Myntra, it's still a solid card — just one that now comes with a ceiling.

MyZone sits at the entry end of Axis's lineup with a ₹500 fee, and the appeal has nothing to do with its reward rate — a flat 4 EDGE points per ₹200 works out to about 0.4% back on every purchase. What draws people in instead is the perk stack: a free SonyLIV Premium subscription (worth around ₹1,499) the moment you make your first purchase within 30 days of getting the card, though since April 2026 the anniversary spend milestone of ₹1.5 lakh pays out 1,000 EDGE points rather than renewing that subscription. There's also a buy-one-get-one movie ticket deal through District, capped at ₹200 off monthly with code AXIS200, and ₹120 off Swiggy orders above ₹500, usable twice a month with code AXIS120. Spend ₹50,000 across the prior three months and you unlock one domestic lounge visit per quarter. There's no way to spend your way out of the ₹500 fee — Axis simply doesn't publish a waiver threshold for this card — so it renews annually unless you happened to get it lifetime-free through a promotional channel. Anyone chasing pure cashback should look at Axis ACE instead; MyZone makes sense specifically if you'll actually use the SonyLIV and cinema perks.

Launched in December 2025 as a joint effort between Axis Bank and Google Pay, the Google Pay Flex Credit Card runs on the RuPay network and plugs directly into UPI, so every payment is a QR scan away inside the Google Pay app. There's no joining or annual fee for the life of the card, and new users get a ₹250 gift voucher plus 250 stars just for activating it. The reward currency is called a "star": each one is worth ₹1 and can be applied 1:1 straight to a UPI payment. On paper, Axis pays out 1 star per ₹500 of spend — a 0.2% return — but that rate climbs to 2 stars per ₹500 (0.4%) in the cycle right after one where you spent ₹100 or more. Because clearing ₹100 in a month is trivial for most cardholders, 0.4% is really the rate to expect in practice. Separately, Axis advertises 4X and 8X multipliers once spending crosses ₹15,000 or ₹30,000 within the SAME reward cycle (not the one before) — but the bank is upfront that these boosted tiers come from Google Pay as a marketing promotion it can pull at any time, so they shouldn't be counted on as guaranteed value. A monthly ceiling of 1,500 stars applies per reward cycle (which runs the 16th to the 15th), with Axis itself only underwriting the first 750 of those. Fuel purchases do earn stars here, which sets it apart from most RuPay cards, though any star earned expires twelve months after it lands in your account.

IKEA Family Axis Bank Credit Card was a lifetime-free co-brand for regular IKEA shoppers, though it's important to know upfront that Axis has since withdrawn it — the product page redirects to the generic Axis credit-card hub, it's absent from both the current card lineup and the site's sitemap, and there's no way to apply for a new one anymore. For existing holders, the card pays 3 Axis EDGE Reward Points per ₹100 spent at IKEA, 2 points per ₹100 on dining, and a flat 1 point per ₹100 everywhere else. Since each EDGE point is worth roughly ₹0.20, even the accelerated IKEA rate only works out to about 0.6% in real value — the card's actual appeal was always that it cost nothing to hold, not that it earned particularly well. On top of the points, cardholders get IKEA Family membership perks and access to low-cost EMI on IKEA purchases of ₹2,500 or more, plus a 1% fuel surcharge waiver. Rent, fuel, utilities, insurance and wallet loads are excluded from earning, and there's no airport lounge access on this card at all.

Axis Bank built the IndiGo Axis Bank Credit Card as the base tier of its airline tie-up with IndiGo, running on IndiGo's own BluChip rewards currency. Spend on an IndiGo flight, a 6E add-on, or through the IndiGo app and you're credited 3 BluChips for every ₹100; grocery and dining purchases bring in 2 BluChips per ₹100, while anything outside those categories settles at 1 BluChip per ₹100. A ₹799 joining and annual fee applies, but cardholders get it back twice over — a 1,200-BluChip voucher on sign-up and another on every renewal, each one usable for six months before it expires. Push annual spending past ₹1.5 lakh or ₹3 lakh and you pick up an extra 1,200 BluChips at each threshold, and a quarterly complimentary domestic lounge visit kicks in once you've spent ₹50,000 in the trailing three months. Where the card gets tricky is valuing what you've earned: there's no fixed conversion rate from either Axis or IndiGo, and BluChips can only be put toward IndiGo tickets at whatever the fare happens to cost that day. Our internal transfer data pegs a BluChip at roughly 42 paise, which puts the 3-per-₹100 travel rate at about 1.3% back in fare value — though the actual return on any given booking will drift above or below that depending on pricing.

The Axis Bank Freecharge Plus is essentially the cashback-focused version of the base Freecharge card, built around Axis's own Freecharge platform for people who handle recharges and bill payments through the app. It pays 5% cashback on Freecharge app transactions — recharges and bill payments specifically — 2% on local commute spending, and 1% on everything else that qualifies. The commute category turns out to be broader than the marketing suggests: it covers taxi, bus, suburban-transport and car-rental merchant codes generally, not just Ola and Uber rides. Cashback kicks in only on transactions of ₹100 or more, and the list of exclusions is fairly extensive — fuel, wallet top-ups, cash withdrawals, gift cards, gold, EMI payments, rent, government payments, insurance, education, and any utility bill paid outside the Freecharge app all earn nothing. Notably, Axis doesn't cap the 5% rate at any monthly level, and none of the tiers carry a published ceiling — the bank's own worked example shows a full 5% return on ₹15,000 of Freecharge spend. There's no fuel surcharge refund on this card either; it's explicitly listed in the Key Fact Sheet among cards where that refund doesn't apply. The ₹350 annual fee is waived once you cross ₹50,000 in yearly spend. Like its base sibling, Axis treats this as invite-only through the Freecharge app, and our own research found no sign of new issuance — so we're marking new applications as paused, while existing cardholders retain the card and its cashback terms unchanged.

Axis Bank Reserve is a super-premium, invitation-only card carrying a steep ₹50,000 annual fee, but it backs that price tag with an unusually strong everyday earn rate: 15 EDGE Reward Points per ₹200 spent in India and double that, 30 per ₹200, on spending abroad. Valued at the ₹0.40-per-point rate you get by transferring points to a travel partner, that works out to roughly 3% back domestically and 6% internationally — figures that drop to about half, 1.5% and 3%, if you instead redeem through the in-house EDGE catalogue at ₹0.20 a point. Beyond the earn rate, cardholders get unlimited lounge entry at home and abroad for both the primary card and add-ons, 12 guest passes annually, access to three separate hotel loyalty programmes, a 1.5% foreign currency markup, and a round-the-clock concierge desk. Axis technically waives the fee for anyone who spends ₹35 lakh in a card year, though in practice that threshold is out of reach for most holders. A round of cuts in 2023–24 trimmed how much airline transfers are worth without touching the core points-earning rate, so the card still performs well as a high-volume spending tool even if it's no longer the miles play it once was.

Axis Bank issues the LIC Axis Bank Signature card jointly with LIC Cards as a co-branded product that carries no joining or annual fee, ever. Spending on LIC policy premiums or in foreign currency earns 2 reward points per ₹100, while every other eligible purchase earns 1 point per ₹100; fuel, utility and telecom bills, rent, wallet top-ups, education, government payments and EMI conversions don't earn anything. Because LIC's rewards catalogue values a ₹1,000 Amazon voucher at exactly 1,000 points, each point converts to roughly ₹1 — which pushes the effective return to about 2% on premiums and international spending and about 1% on the rest, a better outcome than the card's low profile would suggest. Two catches temper that: unredeemed points disappear after 12 months, and Axis/LIC add a ₹30-plus-GST handling fee to every redemption request. Cardholders also get up to 8 domestic lounge entries annually, though only in quarters preceded by ₹50,000 of spending, plus a 1% fuel surcharge waiver, discounted dining through the Axis Dining Delights program, and cover against liability from a lost card. Built on the Visa Signature network, it suits LIC policyholders looking for a no-cost way to earn something back on premiums they'd be paying regardless.

Aimed squarely at Samsung buyers, the Axis Bank Samsung Signature card is the entry-level version of the bank's co-branded lineup, designed to hand back a slice of what you spend on Samsung gear. The core draw is 10% cashback across Samsung stores, the Samsung eStore and Shop app, and Samsung Service Centres, subject to a ₹2,500 monthly ceiling and ₹10,000 a year. There's an open question around marketplace purchases: the Signature's own terms and conditions, last updated by Axis in November 2023, still name Amazon and Flipkart as eligible channels, yet the newer T&C for the Samsung Infinite dropped Flipkart on 20 December 2024 and then Amazon on 1 January 2026 — Axis hasn't clarified whether the Signature follows suit, so it's worth checking with the bank directly before relying on a marketplace purchase. Outside the Samsung ecosystem, earnings come via EDGE Reward Points — 5 per ₹100 spent (roughly ₹1 in value) on general and international transactions, rising to 10 per ₹100 across five partner brands: Zomato, BigBasket, Tata 1mg, Myntra and Urban Company. Cardholders also get four domestic lounge visits annually, contingent on ₹50,000 of spend in the preceding three months, a monthly 15% dining discount capped at ₹500, and a fuel surcharge waiver of 1%. The ₹500 annual fee is waived once spending hits ₹2 lakh in a year, and new cardholders receive 2,500 EDGE points as a welcome bonus after three transactions inside 30 days.

Think of the Voyage Black as Axis and SpiceJet's flagship co-brand play: a ₹2,000-a-year card built almost entirely around one airline. Book through SpiceJet and each ₹200 spent returns as many as 28 SpiceClub points, which work out to roughly ₹0.50 apiece — call it a 7% effective rebate. Online food orders, entertainment subscriptions and bill payments run at a steadier 12 points per ₹200, while every other purchase settles for 6 points per ₹200 (fuel, EMI conversions and wallet top-ups are excluded outright). New cardholders walk away with a ₹4,000 SpiceJet travel voucher and instant SpiceClub Gold status, and annual spending past ₹2 lakh and ₹4 lakh unlocks 4,000 and 6,000 bonus points respectively, plus 2,000 more just for renewing. Eight domestic lounge visits a year (two per quarter) and a 1% fuel-surcharge waiver round out the package. Spend enough on SpiceJet and the math beats the standard Voyage card comfortably — the catch is that your entire rewards balance rides on an airline whose operational track record has given frequent flyers real reasons for concern.

Olympus is the card Axis created to receive India's former Citi Prestige cardholders, and it kept most of what made that card worth having. The headline earn rate looks unimpressive on paper — 1 EDGE Mile per ₹100 spent domestically, 2 per ₹100 abroad — but the real payoff shows up when you transfer: those miles convert to most airline and hotel partner programmes (Air India, KrisFlyer, Aeroplan, Flying Blue, IHG among them) at a strong 1:4 ratio, capped at 7.5 lakh miles a year, while British Airways Avios, Finnair, IndiGo BluChip, Vietnam Airlines and Qatar Airways Privilege Club only get 1:2. Accor and Marriott dropped out as partners in April 2026; Qatar disappeared in that same purge but came back by August 2026, albeit at the weaker 1:2 rate rather than what it used to offer — so with this card, the value shows up when you redeem, not on the statement. The perks worth caring about are the ones inherited straight from Prestige: a ₹10,000 Taj or ITC hotel voucher every year, given both as a welcome gift and a renewal benefit; a free third night on any Hotels.com stay of three nights or more, usable twice annually; lounge access without limit, domestically and abroad, for both the primary card and any add-ons, plus 10 guest passes a year each on the domestic programme and on Priority Pass; a forex markup held to just 1.80%; round-the-clock concierge; 8 free golf rounds a year with an extra round for every ₹50,000 spent; and dining privileges at Taj properties and through EazyDiner. Rewards don't apply to a long list of categories — rent, fuel, utilities, insurance, education, government payments, wallet loads, transport — so only spend that's genuinely lifestyle or travel-related actually earns.

Axis Bank's Primus is a metal, invite-only card built on the Visa Infinite Privilege platform and offered exclusively to a small pool of ultra-high-net-worth Axis relationship clients — there's no application form to fill out. The earning rule is refreshingly uncomplicated: every rupee spent, on any category including rent, utilities, insurance and fuel, earns 1 Axis EDGE Mile per ₹100, and those miles convert to airline and hotel partner programmes at a 1:5 ratio, which can lift the effective return to roughly 5% when redeemed well on premium travel. One quirk worth flagging: Axis doesn't publish which partners Primus can transfer into — the card is missing from the bank's public Travel EDGE chart, and cardholders are told to check with their dedicated PRIMUS Lifestyle Relationship Manager instead. Lifestyle perks match the price tag: unrestricted domestic airport lounge visits with Priority Pass for international lounges, chauffeured airport transfers, a free night at any of 900-plus luxury hotels, a companion ticket on full-fare First or Business Class fares, unlimited golf outings, and a round-the-clock concierge line with pull at globally ranked restaurants. All of that sits behind a steep entry cost: a ₹5,00,000 joining fee plus a ₹3,00,000 annual fee (excluding GST), neither of which can be waived by spending, pushing total year-one cost to around ₹8 lakh before tax.

Think of the Shoppers Stop card as a co-branded loyalty tool rather than a general-purpose spender: it's built entirely around Axis's tie-up with the retailer's First Citizen programme. Every ₹200 spent on Shoppers Stop's own private-label (Exclusive) merchandise brings in 20 First Citizen points, dropping to 12 points per ₹200 for other brands bought in-store, and just 2 points per ₹200 everywhere else. Axis values each point at ₹0.50 in its published chart, and since redemption is restricted to Shoppers Stop, HomeStop and the group's beauty counters, that math translates to 5% back on Exclusive purchases, 3% on other in-store brands, and a thin 0.5% outside the ecosystem. New cardholders get a ₹2,250 voucher bundle at signup — split across several vouchers, each tied to its own spending threshold, so unlocking the full amount realistically needs about ₹19,000 of in-store purchases — alongside ₹300 in First Citizen points for a first transaction made within 30 days, and complimentary Golden Glow status (longer exchange windows, free delivery, birthday treats). Cardholders also get a 1% fuel surcharge waiver, priority access to two end-of-season sales plus one festive sale annually, and a monthly EazyDiner discount of 15% capped at ₹500. Annual fee is ₹500, waived once yearly spend crosses ₹1 lakh — though rent payments and wallet top-ups don't count toward that threshold, and neither do they earn any rewards at all, alongside fuel, utilities and insurance.

Axis Bank Select is positioned as a mid-premium card at a ₹3,000 + GST (₹3,540 all-in) annual fee, and it earns its keep through an accelerated rate on everyday retail: 20 EDGE Reward Points per ₹200 spent (roughly 2% back) at grocery, department, clothing and accessory stores, capped once you cross ₹20,000 of that spend in a month, after which the rate drops to 10 points per ₹200 (about 1%) — the same 1% floor that applies to every other category from the first rupee. Cardholders also get a flat ₹500 monthly discount on BigBasket orders above ₹2,500, and a recurring Swiggy offer twice a month. Cross ₹3 lakh of spend in a card-anniversary year and Axis adds a 5,000-point milestone bonus worth around ₹1,000; spend ₹8 lakh in the same window and the annual fee itself is waived. New cardholders get roughly 10,000 points (about ₹2,000) simply for transacting once within the first 30 days, which goes a long way toward covering the fee in year one. On the travel side there's Priority Pass-based international lounge access (6 visits a year, extendable to 12 with ₹3 lakh of spend) plus 2 domestic lounge visits a quarter gated behind ₹50,000 of spend in the prior quarter, alongside 6 complimentary golf games a year (another 6 unlocked at the ₹3 lakh mark). One catch worth flagging before you apply: an entire list of everyday categories — rent, fuel, utility and telecom bills, wallet top-ups, insurance, education, gold/jewellery and government payments — earns zero rewards and is also excluded from both the milestone and fee-waiver spend counts.

This co-branded fuel card rewards IndianOil purchases at 20 EDGE points per ₹100 — a 4% effective return — on fuel transactions between ₹400 and ₹4,000, capped at ₹5,000 of eligible fuel spend each month. Online purchases return 1% (5 EDGE points per ₹100), while everything else settles for a token 1 point per ₹100. A 1% fuel surcharge waiver, capped at ₹50 a cycle, and a welcome bonus of up to 1,250 EDGE points sweeten the deal further. The ₹500 annual fee only disappears once you clear ₹3.5 lakh in yearly spend — a bar that's tough to reach on fuel purchases alone, so applicants shouldn't count on this becoming a free card in practice. Where it differs from a typical fuel co-brand is that its EDGE points aren't locked into petrol redemptions — they flow into Axis's broader rewards ecosystem, which adds flexibility, though HDFC's rival IndianOil card still out-earns it at the very same pumps.

Axis Bank's Cashback Credit Card carries a ₹1,000 fee and is aimed squarely at people who do most of their spending online. The cashback rate steps up as your monthly online spend grows: 2% on the first ₹5,000, jumping to 5% on the next slab up to ₹40,000, and 7% on anything beyond that — though the total you can earn from online spending is capped at ₹4,000 a month, which works out to roughly ₹57,000 of spend before the cap kicks in. Spending offline (i.e., card-present transactions) or on travel earns a flat, uncapped 0.75%, and utility bill payments get their own separate 0.5% bonus, capped at ₹100 per statement. Cashback is applied automatically as a statement credit rather than requiring redemption. What this card doesn't offer is notable too — there's no airport lounge access, and unlike most cards in this space, no fuel surcharge waiver either, making it a fairly single-purpose everyday cashback tool. New cardholders get a 5,000 EDGE Reward Point welcome bonus (worth around ₹1,000) on their first transaction, which effectively cancels out the joining fee, and the ₹1,000 renewal fee is waived if you spend ₹4 lakh over the year — though rent payments and wallet top-ups don't count toward that spend threshold.

Think of the IndianOil Axis Bank Premium as the upgraded sibling of Axis's entry-level fuel card. Fill up at an IOCL pump and you earn 6 EDGE Miles for every ₹150 spent, which works out to roughly 4% back once you factor in that each Mile redeems for about ₹1 of IndianOil fuel — though the accelerated rate stops once you've earned 600 Miles in a month, around ₹15,000 of fuel. Grocery and supermarket bills pick up 2 Miles per ₹150 (capped at ₹5,000 of monthly spend), and every other purchase earns a flat 1 Mile per ₹150. Where this card actually pulls ahead of the base version is the extras: as many as 8 domestic lounge visits per year split across quarters (though you need ₹50,000 of spend in the prior quarter to unlock them), a Zomato discount, a full 1% fuel surcharge waiver, and a fee threshold that's dramatically easier to clear — just ₹30,000 of annual spend versus the base card's ₹3.5 lakh. That figure shows up in both Axis's cardmember terms and its official charges schedule, and it amounts to roughly ₹2,500 a month, about two fuel fill-ups. New cardholders also get 500 EDGE Miles for their first purchase within 30 days of activation. Anyone using the card with any regularity effectively never sees the ₹1,000 annual fee.

The World Select is the step-up tier of Axis Bank's Miles & More partnership — India's only card that credits spending directly into Lufthansa Group's Star Alliance mileage currency. Where the base World card earns 4 miles per ₹200, this variant pays 6 (about 3% back), and those Award Miles carry no expiry as long as the account stays open. The step up shows most in the joining perks: 15,000 welcome miles versus 5,000, an annual renewal bonus of 4,000 miles instead of 3,000, complimentary Priority Pass with 4 international lounge visits a year, and a roomier domestic lounge allowance of 8 visits per quarter (subject to an Axis spend threshold that isn't publicly disclosed). Joining costs ₹10,000 and renewal ₹4,500. The exclusion list mirrors the base card — rent, fuel, wallet loads, government payments, insurance, utilities, EMIs, cash advances and gold/jewellery earn nothing — and fuel spending past ₹50,000 in a cycle draws a 1% surcharge rather than a waiver. With a 3.5% forex markup, it remains a card to earn on at home and spend in the air, not one to carry on a trip abroad.

The Axis Bank Freecharge Credit Card is a stripped-down entry-level card tied to Axis's own Freecharge platform, meant for people who already do most of their recharges and bill payments through that app. Unlike its newer sibling, the Freecharge Plus (which pays a flat cashback rate), this base version runs on EDGE Reward Points — a fairly thin standard earn on general spending, supplemented by a monthly spend milestone that Axis lays out in a published table: nothing if you spend under ₹2,000 in a month, 100 points once you cross ₹2,000, and 350 points at ₹5,000 or above. There's no welcome benefit attached to this card at all, and no fuel surcharge refund either — Axis's own Key Fact Sheet explicitly lists it among the cards where that refund doesn't apply. The Key Fact Sheet is also silent on any spend-based fee waiver, so it's safest to assume the ₹250 fee is simply payable; Axis's fee table references a waiver calculation in passing but never gives an actual threshold, and we'd rather flag that gap than guess at a number. Axis positions this as invite-only, issued through the Freecharge app, and our own checks turned up no evidence of new issuance — so we're treating new applications as paused, though existing cardholders keep the card unaffected. Think of it as a lightweight digital card for Freecharge loyalists rather than a serious rewards earner.

Built for a digitally native, UPI-heavy customer base, the Fibe Axis Bank Credit Card comes at zero cost — no joining fee, no annual fee, ever — and issues through the Fibe app (the rebranded EarlySalary). It runs on RuPay rails, giving cashback of 3% on a combined basket of entertainment, food-delivery apps and local commute/cab spending, though that bucket is capped together at ₹1,500 per billing cycle; everything outside those categories settles for a flat 1%. The catch worth knowing before you sign up: Axis strips cashback from any credit-card-on-UPI transaction under ₹2,000, and from CC-on-UPI payments to smaller merchants altogether, while anything under ₹100 earns nothing regardless of category — meaning the routine ₹200 UPI scan this card is often pitched around actually returns zero. On the benefits side, it holds the distinction of being India's first numberless card (no printed card number or CVV, for extra security), works across UPI apps thanks to RuPay, and throws in up to four domestic lounge visits annually, contingent on meeting a spending threshold, plus a 1% fuel surcharge waiver. Access is currently restricted to existing Fibe app users, so not everyone can apply for one.

IndiGo Axis Bank Premium Credit Card sits at the top of the IndiGo–Axis co-brand pairing, built around IndiGo's BluChip loyalty programme. It pays 7 BluChips per ₹100 on IndiGo bookings, 3 per ₹100 on grocery and hotel spends, and 2 per ₹100 on everything else that qualifies. The ₹5,000 joining and annual fee comes bundled with a 5,000-BluChip welcome voucher plus a 6E Eats voucher, both of which repeat every year as a renewal perk. Spend enough and four separate milestones — at ₹2 lakh, ₹5 lakh, ₹8 lakh and ₹12 lakh — each unlock another 5,000-BluChip voucher, meaning a genuinely heavy spender could pull in 20,000 milestone BluChips across the year, though every voucher expires six months after issue. Where this card really earns its fee is the travel side: two complimentary domestic lounge visits per quarter (unlocked once you've spent ₹50,000 in the prior three months), a Priority Pass covering two international visits a year, and a BookMyShow buy-one-get-one movie deal worth up to ₹250 monthly. The one persistent caveat, shared with the entry-level card, is that BluChips have no published exchange rate — neither Axis nor IndiGo will confirm a fixed value, since they only convert into IndiGo fares at whatever price the flight happens to be. We model a BluChip at roughly 42 paise, consistent with how we value every other IndiGo co-brand, which puts the 7-per-₹100 IndiGo rate at approximately 7% back in flight value.

Samsung Axis Bank Infinite sits above the Signature as the premium tier of this Samsung co-brand, roughly doubling the device cashback while adding a genuine set of travel perks on top. Purchases made through Samsung's own channels — physical stores billed via Brand EMI on Pinelabs or Benow terminals, the Samsung eStore and Shop app, or Service Centre payments through PayU Soft POS — earn 10% cashback, capped at ₹5,000 a month and ₹20,000 a year. Worth flagging: two popular marketplace routes no longer qualify at all — Axis dropped Flipkart from the eligible-channels list on 20 December 2024, and Amazon followed on 1 January 2026, so buying a Samsung device through either platform now earns nothing. Spending outside Samsung purchases runs on Axis EDGE Reward Points instead: a base rate of 5 points per ₹100 (roughly ₹1), stepping up to 15 points per ₹100 (about ₹3) across five specific partners — BigBasket, Tata 1mg, Urban Company, Myntra and Zomato — with the same elevated rate applying to international spends too. New cardholders get a substantial welcome bonus of 30,000 EDGE points for completing three transactions within 30 days, worth close to ₹6,000. The real step-up from the Signature tier shows in travel benefits: 8 domestic lounge visits a year (gated behind ₹50,000 of spend in the prior three months) plus 6 international visits through a complimentary Priority Pass, along with a 1% fuel surcharge waiver. The ₹5,000 annual fee waives once you cross ₹7 lakh in yearly spend.

As the base tier of Axis Bank's SpiceJet partnership, the Voyage card runs on SpiceClub points valued at around ₹0.50 apiece, a figure confirmed by Axis's own Value Charts. SpiceJet bookings return up to 18 points per ₹200 spent — near 4.5% effective back — while online food orders, entertainment and bill payments earn 6 points per ₹200, and every other purchase, general e-commerce included, settles for 3 points per ₹200. There's no fee-waiver clause published anywhere in the terms. New cardholders unlock a ₹1,500 SpiceJet voucher once they've made two transactions within the first 30 days, alongside SpiceClub Silver status, and annual spend of ₹1 lakh and ₹2 lakh triggers 2,000 and 3,000 bonus points respectively, with renewal adding another 1,000. Four domestic lounge visits a year come gated behind a quarterly spend threshold, and there's a 1% fuel-surcharge waiver, though fuel itself, wallet loads and EMI conversions earn zero points. The real question mark hanging over this card is SpiceJet's own stability — tying a rewards currency to an airline with a rocky financial and operational history is a risk worth weighing before signing up.