Axis Bank credit cards
Every Axis Bank card we list, with its fees and what it's good for. Compare them side by side, and talk to an advisor before you apply.
- Cards listed
- 12
- With no yearly fee
- 3
- With lounge access
- 10
Popular Axis Bank cards
Axis Bank
Fibe Axis Bank
Best for: Cashback on everyday spends
- Joining fee
- Nil
- Annual fee
- Nil
- Complimentary domestic lounge visits yearly.
- Up to 3% value-back.
- 1% fuel surcharge waiver up to ₹5,000.
Axis Bank
LIC Axis Bank Platinum
Best for: Fuel spends
- Joining fee
- Nil
- Annual fee
- Nil
- Reward points on every spend.
- Convert eligible transactions into easy EMI.
- Insurance Coverage Lost card liability insurance cover up to the credit limit.
Axis Bank
LIC Axis Bank Signature
Best for: Fuel spends
- Joining fee
- Nil
- Annual fee
- Nil
- Reward points on every spend.
- Complimentary Domestic Airport Lounge visits in a year (Max 2 per quarter).
- Insurance Coverage Complimentary lost card liability insurance cover up to the credit limit.
Axis Bank
Airtel Axis Bank
Best for: Cashback on everyday spends
- Joining fee
- ₹500
- Annual fee
- ₹500
- Up to 25% cashback on Airtel Thanks App.
- Complimentary domestic lounge visits yearly.
- 10% cashback on Zomato & Swiggy.
Axis Bank
Axis Bank My Zone
Best for: Shopping, online and in store
- Joining fee
- ₹500
- Annual fee
- ₹500
- Offers on Swiggy, Ajio, District & SonyLiv
- Complimentary domestic lounge access.
- Reward Rate 4 EDGE Reward Points on every ₹200 spent.
Axis Bank
Flipkart Axis Bank
Best for: Cashback on everyday spends
- Joining fee
- ₹500
- Annual fee
- ₹500
- Up to 5% cashback on spends at Flipkart.
- Up to 7.5% cashback on Myntra.
- Up to 5% cashback on Cleartrip.
Axis Bank
IndianOil Axis Bank
Best for: Fuel spends
- Joining fee
- ₹500
- Annual fee
- ₹500
Annual Fee Waiver Fee waived off on spending ₹3.5 lakh in the previous year
- Up to 5% value-back on Indian Oil fuel spends.
- Domestic airport lounge visits every year.
- 2X rewards on grocery & supermarket spends.
Axis Bank
Rewards
Best for: Earning reward points
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- Up to 20 EDGE Reward points on card spends.
- Membership benefits up to ₹1,000.
- Complimentary lounge access.
Axis Bank
Axis Bank Select
Best for: Shopping, online and in store
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Complimentary lounge access worldwide.
- Discount on Swiggy, BigBasket & District apps.
- 2X rewards across all retail spends.
Card fees and benefits last verified 20 Sep 2026. Banks change them without notice, and a card's own terms are the final word. We'll confirm the current terms with you before you apply.
Axis Bank credit card fees and charges
Fees differ by card. These are the charges that apply across most cards, and the figures each card's own terms will confirm.
Joining and annual fee
Charged once when the card is issued and again each year. Many cards waive the annual fee once your yearly spends cross a threshold.
Interest on unpaid balances
Charged per month on anything you don't pay by the due date, and on cash withdrawals from the day you take them. It is quoted monthly — multiply by twelve to see the yearly cost.
Late payment fee
A slab-based fee that rises with the amount outstanding, plus GST. Paying even the minimum by the due date avoids it.
Foreign currency markup
A percentage added to spends in another currency, including on foreign websites. Travel cards charge the least.
Cash withdrawal fee
A percentage of the amount withdrawn, with a minimum. Interest also runs from day one, so treat a card as the last place to take cash from.
What Axis Bank cards offer
The benefits that come up most often across the Axis Bank cards we list. Each card's own page of terms is the final word.
- Complimentary domestic lounge visits yearly.
- Reward points on every spend.
- Complimentary domestic lounge visits yearly
- Complimentary Domestic Airport Lounge visits in a year (Max 2 per quarter)
- Complimentary domestic lounge access
- Annual Fee Waiver Fee waived off on spending ₹3.5 lakh in the previous year
How to choose a credit card
Start from your own bank statement, not from the card with the longest benefits list.
- 01
Match the rewards to your biggest spend
Look at where your money actually went last month. A fuel card is worth little if you take the metro, and a travel card earns nothing if you fly once a year.
- 02
Weigh the fee against what you'll really earn
A ₹5,000 fee card that returns 5% on ₹20,000 of monthly spends is worth it. The same card on ₹5,000 of spends is not.
- 03
Check the fee-waiver threshold
Many cards waive the annual fee once you spend a set amount in a year. Check whether that number is one you'd hit anyway, without spending more to reach it.
- 04
Read the caps and exclusions
Reward rates usually have monthly caps, and categories like rent, fuel, wallet loads, insurance and government payments often earn nothing.
Applying through MultiBankers
Check Offers- Step 1
Tell us how you spend
Your income, your biggest spend categories and whether you want a fee-free card. Two minutes, one form.
- Step 2
We shortlist and check
An advisor matches you to cards you're likely to be approved for, and tells you which ones you aren't — before an application touches your credit report.
- Step 3
Apply once, with help
We help you with the documents and stay with you until the card is in your hand.
We are here to answer
all your questions
Start with the category your money goes to. Compare the cards on this page by joining fee, annual fee and what each one is best at, then check whether the annual fee is waived at a spend level you'd reach anyway. If you're unsure, tell us your monthly spends and an advisor will narrow it to two.
It depends on the card: entry-level cards ask for less than premium ones, and the bank also looks at your credit score, your existing loans and how much of your current limits you use. Axis Bank sets and revises these limits itself, so we don't publish a figure we haven't confirmed. An advisor can tell you which cards your income fits before you apply.
Most banks decide within a few working days once the documents are complete, and the card is dispatched after that. An incomplete application is the usual reason for a delay, which is why we check the paperwork with you before it goes in.
Tell us which card you're interested in and an advisor will call you, confirm what you're likely to be approved for and take you through the application. We are not Axis Bank, and the bank makes the final decision on every application.
No. We don't lend money. Loans are sanctioned and disbursed by our partner banks and NBFCs, which make the final decision.
Thinking about a Axis Bank card?
An advisor will tell you which one fits, and which you're likely to be approved for, before you apply.