Axis Bank offers a wide array of credit cards designed to cater to diverse lifestyles, from budget-conscious shoppers to frequent travelers and luxury enthusiasts. With options tailored for online shopping, travel, dining, fuel, and premium experiences, choosing the right Axis Bank credit card can significantly enhance your financial flexibility and rewards.
In this guide, we delve into the complete list of Axis Bank credit cards available as of July 19, 2025, their unique benefits, annual charges, and detailed insights on who should opt for these cards and who might be better off looking elsewhere.
Overview of Axis Bank Credit Cards
Axis Bank’s credit card portfolio is diverse, offering something for everyone—whether you’re a student seeking low-fee options, a frequent traveler craving lounge access, or a high-net-worth individual desiring luxury perks. Each card comes with distinct features, such as cashback, reward points, lounge access, or dining discounts, but also carries annual fees that vary based on the card’s tier. Understanding the benefits and charges, alongside your spending habits, is crucial to selecting the right card. Below, we explore each card in detail, followed by a clear analysis of who should consider applying and who should steer clear.
List of Axis Bank Credit Cards, Benefits, and Annual Charges
The following table outlines the key Axis Bank credit cards, their benefits, and annual fees, ensuring you have a clear snapshot of what each card offers.
| Credit Card | Annual Fee (INR + GST) | Key Benefits |
|---|---|---|
| Select Credit Card | 3,000 (waived on Rs. 8L spends; free for Burgundy customers) | 12 international lounge visits via Priority Pass, 2 domestic lounge visits/quarter, 10 EDGE points/Rs. 200, 15% off at EazyDiner restaurants, golf passes |
| Neo Credit Card | 250 (joining fee 250) | 100% cashback on utility bills (up to Rs. 300), 40% off on Zomato, 10% off on Blinkit, 10% off on BookMyShow, 1 EDGE point/Rs. 200 |
| Airtel Axis Bank Credit Card | 500 (waived on Rs. 2L spends) | 25% cashback on Airtel services, 10% on utilities/Zomato/Swiggy, 4 domestic lounge visits/year, Rs. 500 Amazon voucher |
| Flipkart Axis Bank Credit Card | 500 (waived on Rs. 2L spends) | 5% cashback on Flipkart/Myntra, 4% on Swiggy/Uber/PVR, 4 domestic lounge visits, 1% fuel surcharge waiver |
| Privilege Credit Card | 500 (joining fee 500) | 12,500 EDGE points on first transaction, 2 domestic lounge visits/quarter, 30% off on Swiggy, Rs. 2.5Cr insurance |
| Rewards Credit Card | 500 (waived on Rs. 2L spends) | 5,000 EDGE points on Rs. 1,000+ spends, 10X points on apparel, 2 domestic lounge visits/quarter, 30% off on Swiggy |
| Titanium Smart Traveller Credit Card | 100 (joining fee 250) | 8 EDGE points/Rs. 200 on international travel, 4 points on domestic travel, 2 MasterCard lounge visits/quarter |
| Signature Credit Card (Travel/Lifestyle) | 3,000 (waived on Rs. 3L spends) | 100 EDGE points on first online transaction, 4 domestic MasterCard lounge visits/quarter, Dining Delights discounts |
| Vistara Credit Card | 3,000 (free for Burgundy customers) | Premium Economy flight ticket, Club Vistara Silver membership, flight vouchers on milestone spends, lounge access |
| Samsung Axis Bank Credit Card (Signature) | 500 (waived on Rs. 2L spends) | 10% cashback on Samsung products (up to Rs. 2,500/month), 2,500 EDGE points on first 3 transactions |
| Samsung Axis Bank Credit Card (Infinite) | 5,000 (waived on Rs. 7L spends) | 10% cashback on Samsung products (up to Rs. 10,000/year), 30,000 EDGE points on first 3 transactions |
| Reserve Credit Card | 50,000 | Unlimited international/domestic lounge access, luxury airport transfers, golf games, EazyDiner Prime membership, 2% forex markup |
| Horizon Credit Card | 3,000 | EDGE Miles for travel, international/domestic lounge access, EazyDiner discounts, 1% fuel surcharge waiver |
| IndianOil Axis Bank Credit Card | 1,000 | 500 EDGE Miles on first transaction, EDGE Miles for fuel/groceries, quarterly lounge access, Zomato discounts |
| Ace Credit Card | 500 (first year free in some cases) | 2% cashback on all spends, 5% on Google Pay, domestic lounge access, 1% fuel surcharge waiver |
| Platinum Credit Card | 200 (joining fee 200) | 25% cashback on movie spends (up to Rs. 1,000/year), 1% fuel surcharge waiver |
Common Fees Across Axis Bank Credit Cards
Beyond annual fees, Axis Bank credit cards come with additional charges that users should be aware of. The forex markup fee is typically 3.5% + GST, though premium cards like the Reserve offer a lower 2% rate. Rent surcharge fees are capped at 1% (up to Rs. 1,500 per transaction), while late payment charges range from Rs. 100 to Rs. 1,000 based on the outstanding amount. Cash withdrawal fees are 2.5% (minimum Rs. 500), and interest rates can range from 12.68% to 52.86% per annum, depending on the card and repayment behavior. A dynamic currency conversion (DCC) fee of 1.5% + taxes applies for international transactions in INR. Understanding these charges is essential to avoid unexpected costs and maximize card benefits.
Who Should Opt for Axis Bank Credit Cards?
Axis Bank credit cards cater to a wide range of users, making them a versatile choice for different financial profiles. For frequent online shoppers, cards like the Flipkart Axis Bank Credit Card and Neo Credit Card are excellent picks, offering cashback on platforms like Flipkart, Myntra, Zomato, and Blinkit. These cards are particularly appealing for young professionals or students who shop online regularly and prefer low annual fees. The Airtel Axis Bank Credit Card is a boon for Airtel customers, providing significant cashback on telecom services, utilities, and food delivery platforms like Zomato and Swiggy, making it ideal for those who rely on these services.
Travel enthusiasts will find value in cards like the Select, Horizon, Vistara, and Reserve credit cards. The Select and Reserve cards stand out for frequent international travelers, offering complimentary lounge access and low forex fees. The Vistara Credit Card is tailored for those who frequently fly with Vistara, providing flight vouchers and Club Vistara membership. Budget travelers can opt for the Titanium Smart Traveller Credit Card, which offers travel-focused rewards at a low annual fee.
For dining aficionados, cards like the Privilege, Rewards, and Reserve provide substantial discounts through the Dining Delights program and partnerships with EazyDiner and Swiggy. High-net-worth individuals with significant spending power will appreciate the Reserve Credit Card’s luxury benefits, such as unlimited lounge access, golf privileges, and premium dining memberships. Meanwhile, budget-conscious users or first-time credit card holders can benefit from the Platinum or Ace Credit Cards, which offer basic rewards at minimal costs.
Who Should Avoid Axis Bank Credit Cards?
While Axis Bank credit cards offer compelling benefits, they may not suit everyone. Low spenders who cannot meet the spend thresholds for annual fee waivers (e.g., Rs. 8 lakh for Select or Rs. 7 lakh for Samsung Infinite) may find the fees outweigh the rewards. For instance, premium cards like the Reserve, with its Rs. 50,000 annual fee, are impractical for those who don’t frequently travel or dine at luxury establishments. Similarly, cards tied to specific partners, such as the Flipkart or Airtel Axis Bank Credit Cards, offer limited value if you don’t shop on those platforms or use Airtel services.
International travelers on a budget should avoid entry-level cards like the Neo or Platinum, which lack international lounge access and charge high forex fees. Additionally, those prone to carrying a balance should be cautious, as Axis Bank’s interest rates can reach up to 52.86% per annum, making timely repayments critical to avoid debt traps. Axis Bank has also flagged the misuse of personal credit cards for business expenses, which could lead to reward suspension. If you need a card for business spending, consider exploring business-specific options instead.
Tips to Maximize Axis Bank Credit Card Benefits
To get the most out of your Axis Bank credit card, adopt smart usage habits. Always pay your bills on time to avoid late payment fees (up to Rs. 1,000) and high interest charges—setting up auto-debit can help. Leverage partner offers by shopping on platforms like Flipkart, Zomato, or Swiggy to maximize cashback and discounts. Aim to meet milestone spend thresholds to waive annual fees or earn bonus rewards, such as flight vouchers or extra EDGE points. Redeem EDGE Rewards or Miles strategically through Axis Bank’s portal for flights, vouchers, or products. Finally, keep your credit utilization below 30% to maintain a healthy credit score, which can improve your eligibility for future financial products.
Eligibility and Application Process
To apply for an Axis Bank credit card, you must be between 18 and 70 years old, a resident or non-resident Indian, and have a good credit score (preferably 750+). Income requirements vary, with premium cards like the Magnus requiring an annual income of Rs. 10 lakh or more. Required documents include a PAN card, Aadhaar, passport, or driver’s license for identity, along with salary slips, ITR, or Form 16 for income proof, and utility bills for address verification. To apply, visit Axis Bank’s website or the Airtel Thanks App (for the Airtel card), submit your details, and provide KYC documents. You can track your application status online or by contacting Axis Bank’s customer care at 1860 419 5555.
Conclusion
Axis Bank’s credit card lineup offers something for everyone, from budget-friendly options like the Neo and Platinum to premium cards like the Reserve and Select. By aligning your spending habits with the right card, you can unlock significant savings on shopping, dining, travel, and fuel. However, choosing the wrong card or mismanaging payments can lead to high fees and limited value. Use the insights in this guide to select a card that matches your lifestyle and financial goals. For the latest terms, always check Axis Bank’s official website, as fees and benefits may change. Ready to apply? Visit www.axisbank.com to explore your options and start maximizing your rewards today!
Also Read- A Comprehensive Guide to ICICI Bank Credit Cards: Benefits, Charges, and Who Should Apply
Also Read- Kotak Mahindra Bank Credit Cards: Complete Guide to Benefits, Fees, and Ideal Users
Also Read- RBL Bank Credit Cards: A Comprehensive Guide to Benefits, Fees, and Suitability