This Article was fact checked and last updated for accuracy on November 17, 2024 by Mani Karthik
Axis Bank offers numerous credit cards for its customers who wish to spend on dining, shopping and traveling. Each credit card has its own unique features and has been designed exclusively taking into consideration the present expenses as well needs. They have been categorized as premium cards, co-branded cards, my cards and other credit cards. After swiping these cards for your shopping needs you can also access points, discounts and even gifts. This article deals with the various cards offered by Axis banks and rewards associated with them and comparison with other brands.
Axis Bank Platinum Credit Card
Axis Bank Platinum Card is a credit card which has numerous privileges when it comes to departmental as well as grocery purchases. This is card is accessible for any Indian resident above the age of 18-70.The bill payments can also be easily done through internet banking, ECS, NEFT or mobile payments. You can also subscribe for the mobile alerts that give you mini statements, payment confirmations and credit card status
Rewards
It offers you the benefit of converting your credit card bills into EMI’s making it easy to make your payments.
Make 6 points on every 200 domestic spend and 12 points for Rs 200 spent on international purchases. You can also gain 100 points on first online transaction and 2x points on your birthday months.
Avail 2.5% surcharge waiver on your fuel expenses with a maximum limit of Rs 400 per month.
Get 25% cash back on your box office movie ticket bookings.
If your hard has been lost or stolen you can report it to the customer service and with the zero lost card liability you can be protected against the fraudulent use of card after it is stolen.
AXIS Bank gives you the privilege of Visa International Global Card Assistance Services that allows you to report the loss of your card and get it replaced or give cash advances to be sent to your location.
Fees
| Joining Fees | 500 Rs(Waived off if spend Rs 5000 within 45 days of receipt of crd) |
| Annual Fee | 200Rs(waived if the spending is above 1 lakh in the previous year) |
| Interest Charge | 3.25% per month(46.78% per annum) |
| Cash Withdrawal fee | 2.5% (Min. Rs 250) of the Cash Amount |
| Foreign currency Transaction | 3.50% of the transaction value |
| Fee for Cash payment | 100 Rs |
Axis Bank Platinum Card is an economical card which accompanies numerous benefits too. It is an apt card for making your credit card purchases and it gives you the option to make your payment in small monthly installments. But it does not provide you with travel vouchers or gift vouchers which is provided with Axis Signature Credit Card. Signature Card has Loyalty rewards that gives you additional points on domestic as well international travel. Another card which offers travel benefits is the Standard Chartered Yatra Credit Card that gives you privilege of 10% cash back on your bookings with Yatra.com. Cancelation fee on the flight tickets can also be waived and the 2.5% fuel surcharge waiver is also available with this card.
Axis Bank Titanium Smart Traveler Credit Card
Titanium Smart Traveler Credit Card is available to both resident as well as non-resident individuals between the ages of 18-70.The highlight of this card is the travel benefits and the rewards that accompany it. It is easy to avail and the credit card bills can met in simple installments.
Rewards
The traveler Card allows you to make eDGE Loyalty Rewards Points on your travel. You can earn 8 eDGE Loyalty Rewards Points on every international purchase of Rs. 200 and 4 eDGE Loyalty Rewards Points on hotels, airlines and bus bookings. For every other credit card purchases you gain 2 eDGE Loyalty Rewards Points for every Rs 200 spent.
The Titanium Credit Card gives you a 2.5% fuel surcharge waiver with a maximum benefit up to Rs. 400 per month. But such transactions don’t fetch you any eDGE Loyalty Rewards Points.
It also features the zero lost card liability that allows you to report the loss and protect the user from fraudulent use of the card.
Fees
| Joining Fees | 250 Rs(Waived if 2500 is spent within 45 days of receipt) |
| Annual Fee | 100(waived if the spending is above 50000 in the previous year) |
| Interest Charge | 3.25% per month(46.78% per annum) |
| Cash Withdrawal fee | 2.5% (Min. Rs 250) of the Cash Amount |
| Foreign currency Transaction | 3.50% of the transaction value |
| Fee for Cash payment | 100 Rs |
Titanium Smart Traveler Credit Card is perfect for individuals who like to earn points on their travel. Business executives and professionals whose work require a lot of travel can benefit from the numerous rewards that accompany it. The joining fee is very reasonable and the annual charges are also pretty nominal too. You can meet all your departmental purchases and gain points on the expenses met. Your credit card purchases can be divided into simple monthly installments which can be paid at your convenience. The Axis Bank Signature Credit Card also offers numerous travel as well lifestyle benefits. The joining fee and annual charges on the higher end making it a an expensive card to own .Other options include theICICI Platinum card which has an interest rate of only 2.49% per month or annualized 29.88%.There is no joining fee for this card and you are also not required to pay the further credit card fee if you own a valid fixed deposit.
Axis Bank Signature Credit Card
The Axis Bank Signature Credit Card gives you exclusive privilege in travel and living, dining and lifestyle. Anybody with an annual income of 7 lakhs and above the age of 18 can get access to this card. It has numerous privileges and all can be availed by subscribing to this card.
Rewards
On joining you will get vouchers worth Rs. 2000 from Satya Paul that can be used against Clutches, Men’s tie combo-sets, Kaftans, all Suit Sets, Tunics, Hand-bags, Kurtis, Sarees and Bridal wear. If you use the card within 45 days of receipt you will get Satya Paul gift tie or stole worth Rs 1200.
The card comes with eDGE Loyalty Rewards program that allows you to earn 10 points on every domestic spend of Rs 200 and 20 points on every international spend of Rs 200.Avail 100 points on making your first online transaction and 2x points on spending on your birthday month.
Avail vouchers from Indigo Airline on spending 6 lakh rupees in the previous year.
Get 50% cash back on movie tickets any day with a maximum limit of withdrawal of Rs 2000 in a year.
Users of this card can also get access to airport lounges within India and 700 VIP lounges in more than 90 countries and 275 cities worldwide with Priority Pass.
You get an add on comprehensive insurance cover worth Rs. 2.55 crore that includes Air Accident Cover, Travel related covers, Purchase Protection and Lost Card Liability.
Axis Signature Card users get access to refund at fuel stations in India on transactions between Rs. 400 and Rs. 4000 only.
Fees
| Joining Fees | 5000 Rs |
| Annual Fee | 3000(waived if the spending is above 6 lakh) |
| Interest Charge | 2.95% per month (41.75% per annum) |
| Cash Withdrawal fee | 2.5% (Min. Rs 250) of the Cash Amount |
| Membership to priority pass | USD 99 |
| Foreign currency Transaction | 3.50% of the transaction value |
| Fee for Cash payment | 100 Rs |
Review
For regular and extensive shoppers this card has numerous rewards. The shopping vouchers, fuel refunds and travel vouchers are quite promising and is indeed a good deal. But the initial fee of 5000 may be on the higher end but for users who love to spend on travel and department purchases this is perfect.
Axis Bank Platinum is also another credit card offered which has some good rewards but may not be as exclusive as Signature card. The joining fee is only 500 that would be waived off if the user spends 5000 within 45 days of its receipt. If you wish to go for other brands. The SBI Platinum is also a good choice as it also provides numerous apparel vouchers as well as travel vouchers with a joining fee of only 2999.
Axis Bank Insta Easy Credit Card
Insta-easy credit card is another card issued by Axis Bank which is pretty easy to avail. All it requires is a fixed deposit account with any of the Axis Bank anywhere in India. You can get this card if you have a minimum of 20000 fixed deposit and a maximum of 2500000.But this card cannot be issued against Tax Saver FDs, Flexi-Deposits (Auto-sweep FDs), FDs in the name of HUF/society/trust/companies.
Rewards
The Insta Easy Credit Card gives you the privilege to convert your credit card bills into simple monthly EMI’s.
The credit limit of the card can go up to 80% of the Fixed deposit value.
The users of this card can get 50 days free credit period provided there is no outstanding amount for the previous year.
You can avail 2.5% fuel surcharge waiver on all fuel transactions up to 400 per month.
The Insta Easy card comes with a Platinum Chip Card that helps to make credit payments as well as fraud detections. This card is much secured as it cannot be duplicated or counterfeited.
The zero lost card liability protects against fraudulent use if the card is stolen or lost. AXIS Bank gives you the privilege of Visa International Global Card Assistance Services that allows you to report the loss of your card and get it replaced or give cash advances to be sent to your location.
The eDGE Loyalty Rewards gets users 6 points on every 200 domestic spent and 12 points on every 200 international spends. You can also get 100 points on first online transaction and 2x points on birthday months.
Fees
| Joining Fees | 500 Rs |
| Annual Fee | (nil) |
| Interest Charge | 2.50% per month(34.49% per annum) |
| Cash Withdrawal fee | 2.5% of the Cash withdrawal amount (Minimum Rs 250) |
| Foreign currency Transaction | 3.50% of the transaction value |
| Fee for Cash payment | 100 Rs |
Review
The Insta Easy Credit Card is easily accessible to all Indian residents above 18 years of age. There is only a joining fee of Rs 500 and you don’t require to pay any more extra fees. The card does provide numerous benefits but there is no travel voucher or shopping coupons accompanying it. Again you require a fixed deposit with this bank to avail such a credit card. Axis Bank Titanium Smart Travel Credit Card is a card which is exclusively for travelers who wish to be rewarded for their travels. It has a joining fee of Rs 250 and an annual fee of Rs 100.Another option would be the Yatra SBI card which also offers travel benefits for its users. The joining fee is 499 and the annual fee is 499.You can avail points on your travel and even get access to domestic as well as international lounges.
Axis Bank MY Business Credit Card
The MY Business Credit Card is perfect for business officials who have an account with Axis Bank. It is designed to help the cardholder to ensure that his business runs effectively with the low interest rates. It accompanies numerous benefits including hotel stays,travel vouchers ,fuel benefits and many more.
Rewards
You can get 20% cash back on the flight tickets with a maximum cash back of Rs. 500 per ticket. You get 1000 cash back on booking with hotels in India and 1500 on international tickets. You can also get Rs 100 cash back on bus booking .
The card also allows you to customize the credit card with your name company name, designation embossed on it.
You will avail 2 Free Nights Hotel Stay vouchers which can be redeemed with Ezeego1.com.You can get up to Rs.3000 per room night and is valid for one month of receipt of voucher.
Get 2.5% surcharge refund on all fuel transactions up to 400 per month.
Earn 4 eDGE Loyalty Rewards Points for every Rs 200 spent with this card.The rewards can be used against 6 exciting categories – ‘Dream Rewards, Little Indulgences, Favourites, Amazing Deals, Festive Specials and What’s new’.
MY Business Credit Cardholder can make two complimentary airport lounge visits in every quarter period of the year.
You can withdraw cash 30% of your credit limit from any VISA ATM’s across the world.
The zero lost card liability protects against fraudulent use if the card is stolen or lost. AXIS Bank gives you the privilege of Visa International Global Card Assistance Services that allows you to report the loss of your card and get it replaced or give cash advances to be sent to your location.
Fees
| Joining Fees | 999 Rs |
| Annual Fee | 499 Rs |
| Interest Charge | 3.25% per month(46.78% per annum) |
| Cash Withdrawal fee | 2.5% of the Cash withdrawal amount (Minimum Rs 250) |
| Foreign currency Transaction | 3.50% of the transaction value |
| Fee for Cash payment | 100 Rs |
Review
The MY Business Credit has many privileges for business professionals and people to tend to travel often. The rewards are pretty good and you can gain points on purchases made. The joining fee and the annual charges are average but the benefits outweigh the cost. Titanium Travel Credit Card is also another card that emphasizes on travel benefits but it doesn’t accompany any hotel stay paybacks privileges.If you wish to explore other brands then Standard Chartered Yatra Platinum Card is also a promising choice. It gives a 2.5% fuel surcharge waiver on your fuel bills and has an initial fee of 499 and as well as a renewal fee of 499 from 2nd year.
