Axis Bank RuPay Credit Card

Name: Axis Bank RuPay Credit Card
Brand: Axis Bank
Availability: InStock

Updated 5 Jul 2026Source-linked

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

Joining FeeFree
Annual FeeFree
Best Suited ForEveryday spends
Reward TypeEDGE Reward Points (points)

Rewards Rate

Base rate 0.00%

Welcome Benefits

Not applicable

Data verified 5 Jul 2026 — see our methodology

Axis

entryLifetime free

Calculate rewards + Compare Apply Now ↗

Rewards and Benefits

Rewards Rate

Base 0.00% on other spends.

Reward Redemption

N/A

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

UPI on RuPay — RuPay Credit Card can be linked to UPI-enabled apps for cashless payments online and in-store without swiping the card.

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.

Online shoppingGroceriesDining & food deliveryFuelTravel & hotelsUtilities & billsRentInternational / forex

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 · 0.0% = ₹0/mo
Groceries₹8,000 · 0.0% = ₹0/mo
Dining & food delivery₹8,000 · 0.0% = ₹0/mo
Fuel₹4,000 · 0.0% = ₹0/mo
Travel & hotels₹10,000 · 0.0% = ₹0/mo
Utilities & bills₹5,000 · 0.0% = ₹0/mo

Est.net rewards for this spend, realistic

₹0/yr

₹0 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

N/A

Fuel Surcharge Waiver

N/A

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 complimentary airport lounge access.

Other benefits

UPI on RuPay. RuPay Credit Card can be linked to UPI-enabled apps for cashless payments online and in-store without swiping the card.

Sources

: www.axis.bank.in · retrieved 3 Jul 2026

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age: 21–65
Credit score: 700+
Income (salaried): ₹3,00,000 p.a.
Income (self-employed): ₹3,00,000 p.a.

Tagsrupay upi entry