Axis Bank Rewards credit card
Axis BankVisaEntry-level

Rewards credit card

10X points on department stores and apparel, 1,500 bonus ERP for ₹30k monthly spend.

46
Personal score46/100● Good fit
Recurring net savings₹2,660/yrafter fee, GST and caps · bills paid in full
First-year value₹1,480no welcome offer, ₹1,180 joining fee
Effective savings rate0.8%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹1,180waiver at ₹2,00,000 spend
Lounge access✈4 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: Axis Bank – Rewards product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹2,016/yr10X on apparel & department stores (cap…
Waived₹1,180 fee
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! Not a RuPay card – your UPI QR spends cannot go on it.

Where the money comes from

₹2,660/yr · 0.8%
10X on apparel & department stores (cap…on ₹1,00,800₹2,016
Base rate 0.2% on other spendson ₹1,41,840₹284
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
◻︎ 1,500 ERP on ₹30k monthly spend · needs ₹30,000/month

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 46 is built

weights total 100% · methodology
Net savings rate14/100 × 55%7.5
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
1 per quarterdomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn0.2%value on eligible spend
⚡ Accelerated2% 10X on apparel &…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹1,180/yr incl. GSTwaived on ₹2,00,000 spend · joining ₹1,000
🎁 Welcome (year 1)none
🏁 Milestones₹300 @ ₹30,000/month
✈️ Lounge✈1/qtr dom🌏0 intl4 domestic per year
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.2/EDGE Reward Points ★★★☆☆1 ERP = ₹0.20 on EDGE Rewards; partner transfers at 5:2 / 5:4.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylefuel waiverSwiggy One 3 months + Zomato Gold
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Monthly bonus points
  • Lounge access
  • ₹0.20 points
  • Narrow 10X definition

Community Q&A on the Rewards

Threaded questions from cardholders · the Advisor can add a computed answer.

Loading discussion…

Frequently asked questions

What is the annual fee of the Axis Bank Rewards?

Joining fee ₹1,000 and renewal fee ₹1,000, plus 18% GST (₹1,180 a year). The renewal fee is waived if you spend ₹2,00,000 in the card year.

Does the Rewards give airport lounge access?

4 domestic/yr. 4 domestic per year.

How much can I save with the Rewards?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,660 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Rewards's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10X on apparel & department stores (cap 5,000 ERP/mo): capped at ₹1,000 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.