Beta data. Numbers are community-sourced and may be out of date. Every value links to the issuer page — always verify before applying.

Credit Cards · India

Axis Bank Kwik Credit Card

Updated 3 Jul 2026Source-linked

The Axis Bank Kwik Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹0 + GST.

Axis Bank logo
Axis Bank Kwik Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeEDGE REWARD Points (points)
Rewards Rate
  • Base rate 0.18%
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
Axis Bank logoAxisRuPay logoentryLifetime free
Calculate rewards+ CompareApply Now ↗

Rewards and Benefits

Rewards Rate
Base 0.18% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹27/mo
  • Groceries₹8,000 · 0.2% = ₹14/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹14/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹18/mo
  • Utilities & bills₹5,000 · 0.2% = ₹9/mo
Est.net rewards for this spend, realistic
₹994/yr

₹994 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹150 per monthly.
Cash Advance Charges
N/A

Product Details

  • entry card issued by Axis Bank.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹150 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Eligibility criteria not published on the product page -

Tagsentrypointsupilifetime free