Axis Bank REWARDS Credit Card

Joining fee

₹1,000

Annual fee

₹1,000

Forex markup

3.5%

Reward points

• Everything else: 0.32%Unlimited base rate on all spends
• Everything else: 3.2%Apparel and departmental stores — stated as "10X" the base rate. Accelerated points apply up to ₹7,000 of spend per statement month in this category; the cap here (₹1,120) is that ₹7,000 converted at the card's own ₹0.20 point value.

Points redeem at ₹0.20 each, stated directly on this page. Also includes a ₹150 Swiggy instant discount (minimum ₹500 transaction, up to twice a month) and membership benefits worth up to ₹1,000 every anniversary year.

• Fuel: The page states directly: "No reward points are earned on fuel transactions."

Domestic lounge

2/quarter

Forex markup

3.5%

Unlocked by a minimum eligible spend of ₹50,000 in the preceding 3 calendar months.

Minimum age

18 years

• •It includes airport lounge access, useful if you travel by air a few times a year.

Taken from Axis Bank's own published terms. Last verified 28 August 2026