Axis Bank Aura Credit Card
The Axis Bank Aura Credit Card took a wellness-first approach rather than chasing rewards — a ₹749 card whose real value came from health-related perks rather than points. Cardholders got four complimentary Practo doctor video consultations a month, four live sessions plus sixteen recorded fitness videos monthly, up to ₹500 a year knocked off health check-ups, at least 30% off nutrition and diet consultations, and a ₹750 Decathlon welcome voucher that essentially cancelled out the joining fee. The earn rate, by contrast, was kept deliberately modest: 2 EDGE Reward Points per ₹200 (working out to roughly 0.2% in value), rising to 5X on insurance spends — and there was never a fee waiver attached. Axis has since stopped issuing this card to new applicants, though existing cardholders continue to keep their benefits. It also came with a 1% fuel surcharge waiver capped at ₹250 a cycle, though notably no airport lounge access.
Key features
What this card was actually built around.
Welcome Benefit
~₹750 in vouchers, points or cashback on card activation
0.2% on Other
2 EDGE Reward Points per ₹200 (≈0.2% in value) on all spends, with 5X on insurance spends (max ₹10,000/transaction). 1 point ≈ ₹0.20.
️ Insurance Cover
Wellness bundle — 4 Practo doctor video consultations/month, 4 live + 16 recorded fitness sessions/month, up to ₹500/year off health check-ups, and 30%+ off nutrition consultations
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹884 |
| Joining fee (incl. 18% GST) | ₹884 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Non-reward perks add up to roughly ₹9,000 a year here.
️ insurance ~ ₹8,000 /yr
Wellness bundle — 4 Practo doctor video consultations/month, 4 live + 16 recorded fitness sessions/month, up to ₹500/year off health check-ups, and 30%+ off nutrition consultations
fuel waiver ~ ₹1,000 /yr
1% fuel surcharge waiver on transactions of ₹400–₹4,000, capped at ₹250 per statement cycle
Should you get it?
Best for: Existing holders who use the tele-health and fitness benefits, Households that value discounted health check-ups and consultations
As an entry-tier card it suited first-time or lower-spend users best, and the value peaked for anyone actually making use of the wellness perks rather than chasing the 0.2% reward rate.
✓ Pros
- 4 complimentary Practo doctor consultations every month
- Video fitness sessions plus discounted health check-ups and nutrition consultations
- A ₹750 Decathlon welcome voucher that offsets the joining fee
- 5X EDGE Points on insurance spends
✕ Cons
- Closed to new applicants — these benefits now apply only to existing cardholders
- A thin 0.2% reward rate outside insurance spending
- No fee waiver option and no airport lounge access
Eligibility & documents
Age
21 –60 years
Min. income
₹25,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
The redemption route available on this card.
🎁 Redeem EDGE Reward Points on the Axis EDGE catalogue for vouchers and products
What your Axis EDGE Reward Points are worth
What each point is genuinely worth depending on how it's redeemed.
EDGE Rewards cashback BEST Standard EDGE Reward Points
EDGE Rewards vouchers BEST Gift-voucher catalogue
Travel EDGE portal BEST Flights & hotels
The concern It's closed to new applicants, and even for existing holders the value hinges almost entirely on actually using the wellness services — the 0.2% reward rate and absence of a fee waiver leave it with little standalone earning power.
The bottom line
This card stood out at launch for genuinely doing something different — selling wellness services rather than points — and for a household that actually used the Practo consultations, fitness sessions and check-up discounts, the ₹749 fee could easily pay for itself in convenience alone. That said, the reward rate never amounted to much, there was no path to a fee waiver, and Axis has since shut the card to new applicants. Existing holders who lean on the health perks have good reason to keep it; anyone shopping today would be better served by a current everyday earner like the [Axis ACE](/cards/axis-ace), whose ₹499 fee waives once you clear ₹2 lakh in annual spend.
Sources & verification
Fees, reward rates, and benefits for the Axis Bank Aura Credit Card are taken from Axis Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 23 Jul 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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