Issuer · 16 cards · updated 2026-09-19
Axis Bank credit cards, ranked
Every Axis Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best Axis Bank credit card (Sept 2026): Axis Bank ACE (Google Pay) – score 67/100, ₹6,485 net a year for the standard profile; Privilege is next. 16 Axis Bank cards on CardLens: 1 lifetime free, 13 with lounge access, 1 on RuPay UPI.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 Axis Bank cards
Axis Bank× FlipkartVisa
Flipkart Axis Bank
Net savings₹3,708/yr
Savings rate1.1%
Annual feeYou pay ₹590
Lounge✈4 dom
✓ 1% on other spends earns you about ₹2,006 a year on ₹2,00,640 of spend.
All 16 Axis Bank cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | ACEAxis Bank × Google Pay | 67/100 | ₹6,485 2.0% rate | Cashback · 3.5% forex | Waived | 4 domestic/yr |
| 2 | PrivilegeAxis Bank | 57/100 | ₹5,286 1.6% rate | Premium · 3.5% forex | Waived | 8 domestic/yr |
| 3 | Flipkart Axis BankAxis Bank | 55/100 | ₹3,708 1.1% rate | Shopping · 3.5% forex | You pay ₹590 | 4 domestic/yr |
| 4 |  Airtel Axis BankAxis Bank | 53/100 | ₹7,298 2.2% rate | Cashback · 3.5% forex | Waived | No lounge access |
| 5 |  MY ZONEAxis Bank | 50/100 | ₹2,943 0.9% rate | Entry-level · 3.5% forex | Waived | 4 domestic/yr |
| 6 |  RewardsAxis Bank | 48/100 | ₹2,660 0.8% rate | Entry-level · 3.5% forex | Waived | 4 domestic/yr |
| 7 |  AtlasAxis Bank | 45/100 | ₹5,033 1.5% rate | Travel · 3.5% forex | You pay ₹5,900 | 8 domestic + 4 international/yr |
| 8 |  Burgundy PrivateAxis Bank | 43/100 | ₹4,000 1.2% rate | Super-premium · 2% forex | Free for life | unlimited domestic + unlimited international/yr |
| 9 |  Samsung Axis BankAxis Bank | 42/100 | ₹980 0.3% rate | Shopping · 3.5% forex | Waived | 4 domestic/yr |
| 10 |  SELECTAxis Bank | 39/100 | ₹941 0.3% rate | Premium · 3.5% forex | You pay ₹3,540 | 8 domestic + 6 international/yr |
| 11 |  HorizonAxis Bank | 36/100 | ₹2,393 0.7% rate | Travel · 3.5% forex | You pay ₹3,540 | 8 domestic + 4 international/yr |
| 12 |  NeoAxis Bank | 35/100 | ₹2,266 0.7% rate | Entry-level · 3.5% forex | Waived | No lounge access |
| 13 |  IndianOil Axis BankAxis Bank | 33/100 | ₹2,743 0.7% rate | Fuel · UPI · 3.5% forex | Waived | No lounge access |
| 14 |  OlympusAxis Bank | 26/100 | −₹13,488 -4.1% rate | Super-premium · 1% forex | You pay ₹23,600 | unlimited domestic + unlimited international/yr |
| 15 |  ReserveAxis Bank | 24/100 | −₹55,000 -16.8% rate | Super-premium · 1.5% forex | You pay ₹59,000 | unlimited domestic + unlimited international/yr |
| 16 |  MagnusAxis Bank | 23/100 | −₹12,421 -3.8% rate | Super-premium · 2% forex | You pay ₹14,750 | unlimited domestic + 8 international/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Recent Axis Bank changes
- DevaluationAxis Bank
Airtel Axis Bank card: Swiggy and BigBasket cashback dropped, lounge visits withdrawn
From 12 April 2026 the 10% bucket covers Zomato, Blinkit and District instead of Swiggy, Zomato and BigBasket, category caps unlock only after a base level of spend, and the four complimentary domestic lounge visits a year are discontinued. The 25% on Airtel bills and 10% on utilities via Airtel Thanks continue with their caps.
- DevaluationAxis Bank
Axis Bank 2025 devaluation: spend-gated or withdrawn domestic lounges, fewer guest visits
In phases across June, July and October 2025 Axis Bank removed complimentary domestic lounge access from several cards, made it conditional on ₹50,000 spend in the previous three months on others, cut guest visits on Atlas from 8 to 4 a year and revised the accelerated EDGE Rewards structure on Magnus for Burgundy from 20 June 2025. Cards on CardLens carry the post-change entitlements.
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Frequently asked questions
Which Axis Bank credit card is best?
For the standard ₹32k/month profile, Axis Bank ACE (Google Pay) scores highest (67/100, ₹6,485 recurring net savings), ahead of Privilege (57). Your own spend can change the order – use Find My Card.
Which Axis Bank credit card is lifetime free?
Burgundy Private is lifetime free on CardLens data (some only on offer, with a relationship or against a fixed deposit).
Which Axis Bank credit card gives airport lounge access?
ACE (4 domestic, needs ₹50,000/quarter); Privilege (8 domestic); Flipkart Axis Bank (4 domestic, needs ₹50,000/quarter); MY ZONE (4 domestic); Rewards (4 domestic); Atlas (8 domestic) and 7 more.