Axis Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 18 Axis Bank credit cards, including Airtel Axis Bank Credit Card, Horizon Credit Card, Magnus Credit Card, My Zone Credit Card, Privilege Credit Card, Select Credit Card and 12 more.

Cards from the same bank can look alike but differ in what they reward. Compare each Axis Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

Axis Bank credit cards and their terms

Airtel Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An exceptionally rewarding co-branded card for Airtel users, offering high cashback rates on telecommunications, utility bills, and food delivery. Perks: 25% cashback on Airtel Mobile, Broadband, Wi-Fi, and DTH via Airtel Thanks App; 10% cashback on utility bill payments via the Airtel Thanks App; 10% cashback on Swiggy, Zomato, and BigBasket.
Horizon Credit Card (Axis Bank): joining fee ₹3,000 · annual fee ₹3,000 · base reward 2% of spend · lounge visits per year: 32 domestic, 8 international · forex markup 3.5%. A robust airline-agnostic travel card offering a 1:1 miles transfer ratio, massive lounge access allowances, and accelerated rewards on airline spends. Perks: 5,000 EDGE Miles as welcome benefit on making the first transaction of ₹1,000+; 1,500 EDGE Miles as a renewal bonus every anniversary year; Up to 32 complimentary domestic airport lounge visits per year (Visa variant).
Magnus Credit Card (Axis Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹25,00,000 yearly spend · base reward 1.2% of spend · forex markup 2% · income guide ₹24,00,000 a year · credit score 750+. A super-premium credit card for high spenders, offering unlimited lounge access, comprehensive travel benefits, and accelerated rewards on large monthly spends. Perks: Welcome voucher worth up to ₹12,500 (Luxe, Postcard Hotels, or Yatra); Unlimited complimentary domestic and international airport lounge access; 8 complimentary airport concierge services per year.
My Zone Credit Card (Axis Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.4% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level lifestyle card ideal for entertainment and dining, paying for itself immediately with a free SonyLIV Premium subscription. Perks: Complimentary SonyLIV Premium annual subscription (worth ₹1,499) as welcome benefit; Buy 1 Get 1 free movie ticket on District app/Paytm Movies (up to ₹200 off) every month; ₹120 off on Swiggy (on min. spend of ₹500), twice a month.
Privilege Credit Card (Axis Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹5,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A solid mid-segment lifestyle credit card offering comprehensive travel rewards, movie ticket discounts, and milestone points. Perks: Welcome benefit of 12,500 EDGE REWARD Points (worth ₹2,500) upon card activation; Buy 1 Get 1 free movie ticket on District app (up to ₹250 off) once a month; 2 complimentary domestic airport lounge visits per calendar quarter (spend-based).
Select Credit Card (Axis Bank): joining fee ₹3,000 · annual fee ₹3,000, waived on ₹8,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle card offering great discounts on online food delivery and groceries, plus substantial travel and golf benefits. Perks: Amazon voucher worth ₹2,000 or 10,000 EDGE Reward Points as welcome benefit; 6 complimentary international lounge visits per year via Priority Pass; 2 complimentary domestic airport lounge visits per quarter (spend-based).
IndianOil Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 0.2% of spend · forex markup 3.5%. A basic fuel card for commuters who exclusively visit IndianOil pumps, though its fee waiver requires very high spending. Perks: 4% value back (20 EDGE points per ₹100) on fuel at IndianOil outlets (capped at ₹5,000 monthly spend); 1% value back on online shopping; 1% fuel surcharge waiver exclusively at IndianOil outlets (max ₹50 waiver per month).
Privilege Easy Credit Card (Axis Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹2,50,000 yearly spend · lounge visits per year: 8 domestic · forex markup 3.5%. A premium secured credit card backed by your Axis Bank FD offering complimentary lounge access and lifestyle benefits. Perks: Shopping or Travel vouchers on welcome; Buy one get one offer on movie tickets; 1% Fuel Surcharge Waiver.
Axis Bank Atlas Credit Card: joining fee ₹5,000 · annual fee ₹5,000, waived on ₹15,00,000 yearly spend · base reward 2% of spend · lounge visits per year: 16 domestic, 4 international · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. A premium travel credit card offering accelerated rewards on travel bookings, milestone bonuses, and complimentary lounge access. Perks: 5,000 EDGE Miles welcome benefit; Up to 16 domestic and 4 international airport lounge visits per year; Low 2% forex markup fee.
Axis Bank Ace Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹2,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 700+. An entry-level cashback card offering high rewards on utility bills via Google Pay and food delivery. Perks: 5% cashback on utility bills and recharges via Google Pay (capped at ₹500/month combined with 4% category); 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month combined with 5% category); 1.5% unlimited base cashback on all other eligible spends.
Flipkart Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 750+. A straightforward cashback card that provides top-tier value for frequent Flipkart shoppers and a flat 1.5% back on most other daily spends. Perks: 5% unlimited cashback on Flipkart; 4% cashback on preferred partners including Swiggy, PVR, Cult.fit, and Cleartrip; 4 complimentary domestic lounge visits per year (subject to previous quarter spend).
Fibe Axis Bank Credit Card: no joining fee · no annual fee · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 700+. A lifetime-free, UPI-enabled RuPay card offering 3% cashback on food delivery, entertainment, and local commute. Perks: Lifetime free RuPay card with UPI integration; Numberless card design for enhanced privacy and security; 4 complimentary domestic lounge visits per year.
IndianOil Axis Bank RuPay Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · credit score 720+. An entry-level, UPI-enabled fuel card that offers solid returns for modest IOCL fuel and online shopping spends. Perks: 4% value back (20 EDGE points per ₹100) on IOCL fuel spends, capped at ₹200 per month.; 1% value back on online shopping, capped at ₹50 per month.; 1% fuel surcharge waiver at all petrol pumps, up to ₹50 per statement cycle..
Axis Bank Kwik Credit Card: no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime free virtual RuPay credit card designed for seamless UPI payments and everyday reward points. Perks: Lifetime free virtual credit card; Linkable to UPI apps for direct merchant QR payments; 1% fuel surcharge waiver up to ₹150 per month.
Axis Bank Neo Credit Card: joining fee ₹250 · annual fee ₹250, waived on ₹25,000 yearly spend · base reward 0.1% of spend · forex markup 3.5%. An entry-level credit card designed for everyday online shoppers with partner discounts on popular e-commerce platforms. Perks: Welcome benefits worth up to ₹300 including partner vouchers; Discounts on online shopping and food delivery partners like Zomato, Myntra, and Blinkit; 1% fuel surcharge waiver across all fuel stations in India.
Axis Bank Olympus Credit Card: joining fee ₹20,000 · annual fee ₹20,000, waived on ₹15,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.5%. An ultra-premium credit card designed for high-net-worth individuals offering luxury travel, lifestyle, and reward benefits. Perks: Complimentary domestic and international airport lounge access; Exclusive luxury brand vouchers and welcome benefits; Dedicated concierge services.
Axis Bank Pride Signature Credit Card: no joining fee · annual fee ₹500, waived on ₹40,000 yearly spend · base reward 0.8% of spend · lounge visits per year: 8 domestic · forex markup 3.5%. An entry-level rewards card tailored exclusively for Indian Defence personnel and Government of India employees, offering basic lounge access and dining discounts. Perks: Personalised card with shades of the Indian Tricolour and a 4th embossing line for serving the nation; 2 complimentary domestic airport lounge visits per calendar quarter; 15% discount (up to ₹500) at partner restaurants via Axis Bank Dining Delights.
Axis Bank Reserve Credit Card: joining fee ₹50,000 · annual fee ₹10,000 · base reward 0.2% of spend · lounge visits per year: 999 domestic, 999 international · forex markup 1.5%. An ultra-luxury metal credit card designed for high-net-worth individuals offering unmatched travel, dining, and lifestyle privileges. Perks: Unlimited domestic and international airport lounge access for primary and supplementary cardholders; Complimentary Club Vistara Gold tier and ITC Culinaire memberships; Buy One Get One (BOGO) offer on movie and non-movie events via BookMyShow.

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Axis Bank credit cards: fees, rewards and eligibility compared

Axis Bank credit cards and their terms

Airtel Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹2,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An exceptionally rewarding co-branded card for Airtel users, offering high cashback rates on telecommunications, utility bills, and food delivery. Perks: 25% cashback on Airtel Mobile, Broadband, Wi-Fi, and DTH via Airtel Thanks App; 10% cashback on utility bill payments via the Airtel Thanks App; 10% cashback on Swiggy, Zomato, and BigBasket.
Horizon Credit Card (Axis Bank): joining fee ₹3,000 · annual fee ₹3,000 · base reward 2% of spend · lounge visits per year: 32 domestic, 8 international · forex markup 3.5%. A robust airline-agnostic travel card offering a 1:1 miles transfer ratio, massive lounge access allowances, and accelerated rewards on airline spends. Perks: 5,000 EDGE Miles as welcome benefit on making the first transaction of ₹1,000+; 1,500 EDGE Miles as a renewal bonus every anniversary year; Up to 32 complimentary domestic airport lounge visits per year (Visa variant).
Magnus Credit Card (Axis Bank): joining fee ₹12,500 · annual fee ₹12,500, waived on ₹25,00,000 yearly spend · base reward 1.2% of spend · forex markup 2% · income guide ₹24,00,000 a year · credit score 750+. A super-premium credit card for high spenders, offering unlimited lounge access, comprehensive travel benefits, and accelerated rewards on large monthly spends. Perks: Welcome voucher worth up to ₹12,500 (Luxe, Postcard Hotels, or Yatra); Unlimited complimentary domestic and international airport lounge access; 8 complimentary airport concierge services per year.
My Zone Credit Card (Axis Bank): joining fee ₹500 · annual fee ₹500, waived on ₹1,50,000 yearly spend · base reward 0.4% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level lifestyle card ideal for entertainment and dining, paying for itself immediately with a free SonyLIV Premium subscription. Perks: Complimentary SonyLIV Premium annual subscription (worth ₹1,499) as welcome benefit; Buy 1 Get 1 free movie ticket on District app/Paytm Movies (up to ₹200 off) every month; ₹120 off on Swiggy (on min. spend of ₹500), twice a month.
Privilege Credit Card (Axis Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹5,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A solid mid-segment lifestyle credit card offering comprehensive travel rewards, movie ticket discounts, and milestone points. Perks: Welcome benefit of 12,500 EDGE REWARD Points (worth ₹2,500) upon card activation; Buy 1 Get 1 free movie ticket on District app (up to ₹250 off) once a month; 2 complimentary domestic airport lounge visits per calendar quarter (spend-based).
Select Credit Card (Axis Bank): joining fee ₹3,000 · annual fee ₹3,000, waived on ₹8,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A premium lifestyle card offering great discounts on online food delivery and groceries, plus substantial travel and golf benefits. Perks: Amazon voucher worth ₹2,000 or 10,000 EDGE Reward Points as welcome benefit; 6 complimentary international lounge visits per year via Priority Pass; 2 complimentary domestic airport lounge visits per quarter (spend-based).
IndianOil Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 0.2% of spend · forex markup 3.5%. A basic fuel card for commuters who exclusively visit IndianOil pumps, though its fee waiver requires very high spending. Perks: 4% value back (20 EDGE points per ₹100) on fuel at IndianOil outlets (capped at ₹5,000 monthly spend); 1% value back on online shopping; 1% fuel surcharge waiver exclusively at IndianOil outlets (max ₹50 waiver per month).
Privilege Easy Credit Card (Axis Bank): joining fee ₹1,500 · annual fee ₹1,500, waived on ₹2,50,000 yearly spend · lounge visits per year: 8 domestic · forex markup 3.5%. A premium secured credit card backed by your Axis Bank FD offering complimentary lounge access and lifestyle benefits. Perks: Shopping or Travel vouchers on welcome; Buy one get one offer on movie tickets; 1% Fuel Surcharge Waiver.
Axis Bank Atlas Credit Card: joining fee ₹5,000 · annual fee ₹5,000, waived on ₹15,00,000 yearly spend · base reward 2% of spend · lounge visits per year: 16 domestic, 4 international · forex markup 2% · income guide ₹18,00,000 a year · credit score 750+. A premium travel credit card offering accelerated rewards on travel bookings, milestone bonuses, and complimentary lounge access. Perks: 5,000 EDGE Miles welcome benefit; Up to 16 domestic and 4 international airport lounge visits per year; Low 2% forex markup fee.
Axis Bank Ace Credit Card: joining fee ₹499 · annual fee ₹499, waived on ₹2,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 700+. An entry-level cashback card offering high rewards on utility bills via Google Pay and food delivery. Perks: 5% cashback on utility bills and recharges via Google Pay (capped at ₹500/month combined with 4% category); 4% cashback on Swiggy, Zomato, and Ola (capped at ₹500/month combined with 5% category); 1.5% unlimited base cashback on all other eligible spends.
Flipkart Axis Bank Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 750+. A straightforward cashback card that provides top-tier value for frequent Flipkart shoppers and a flat 1.5% back on most other daily spends. Perks: 5% unlimited cashback on Flipkart; 4% cashback on preferred partners including Swiggy, PVR, Cult.fit, and Cleartrip; 4 complimentary domestic lounge visits per year (subject to previous quarter spend).
Fibe Axis Bank Credit Card: no joining fee · no annual fee · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹1,80,000 a year · credit score 700+. A lifetime-free, UPI-enabled RuPay card offering 3% cashback on food delivery, entertainment, and local commute. Perks: Lifetime free RuPay card with UPI integration; Numberless card design for enhanced privacy and security; 4 complimentary domestic lounge visits per year.
IndianOil Axis Bank RuPay Credit Card: joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · credit score 720+. An entry-level, UPI-enabled fuel card that offers solid returns for modest IOCL fuel and online shopping spends. Perks: 4% value back (20 EDGE points per ₹100) on IOCL fuel spends, capped at ₹200 per month.; 1% value back on online shopping, capped at ₹50 per month.; 1% fuel surcharge waiver at all petrol pumps, up to ₹50 per statement cycle..
Axis Bank Kwik Credit Card: no joining fee · no annual fee · base reward 0.2% of spend · forex markup 3.5%. A lifetime free virtual RuPay credit card designed for seamless UPI payments and everyday reward points. Perks: Lifetime free virtual credit card; Linkable to UPI apps for direct merchant QR payments; 1% fuel surcharge waiver up to ₹150 per month.
Axis Bank Neo Credit Card: joining fee ₹250 · annual fee ₹250, waived on ₹25,000 yearly spend · base reward 0.1% of spend · forex markup 3.5%. An entry-level credit card designed for everyday online shoppers with partner discounts on popular e-commerce platforms. Perks: Welcome benefits worth up to ₹300 including partner vouchers; Discounts on online shopping and food delivery partners like Zomato, Myntra, and Blinkit; 1% fuel surcharge waiver across all fuel stations in India.
Axis Bank Olympus Credit Card: joining fee ₹20,000 · annual fee ₹20,000, waived on ₹15,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.5%. An ultra-premium credit card designed for high-net-worth individuals offering luxury travel, lifestyle, and reward benefits. Perks: Complimentary domestic and international airport lounge access; Exclusive luxury brand vouchers and welcome benefits; Dedicated concierge services.
Axis Bank Pride Signature Credit Card: no joining fee · annual fee ₹500, waived on ₹40,000 yearly spend · base reward 0.8% of spend · lounge visits per year: 8 domestic · forex markup 3.5%. An entry-level rewards card tailored exclusively for Indian Defence personnel and Government of India employees, offering basic lounge access and dining discounts. Perks: Personalised card with shades of the Indian Tricolour and a 4th embossing line for serving the nation; 2 complimentary domestic airport lounge visits per calendar quarter; 15% discount (up to ₹500) at partner restaurants via Axis Bank Dining Delights.
Axis Bank Reserve Credit Card: joining fee ₹50,000 · annual fee ₹10,000 · base reward 0.2% of spend · lounge visits per year: 999 domestic, 999 international · forex markup 1.5%. An ultra-luxury metal credit card designed for high-net-worth individuals offering unmatched travel, dining, and lifestyle privileges. Perks: Unlimited domestic and international airport lounge access for primary and supplementary cardholders; Complimentary Club Vistara Gold tier and ITC Culinaire memberships; Buy One Get One (BOGO) offer on movie and non-movie events via BookMyShow.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.