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Axis Bank Credit Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Axis Bank Credit Cards is an INR credit card from Axis Bank Limited, and it suits Indian shoppers who put most of their spending through Flipkart and Cleartrip and want cashback rather than points. The catch is the borrowing side: an APR of 55.55% sits far above the 16% typical for credit cards.

Key facts

Best for
Indian cardholders whose spend sits on Flipkart, Cleartrip and dining, and who pay the balance in full.
Annual fee
₹500↗
APR
55.55%↗
Currency conversion fee
3.5%↗
Rewards type
Cashback↗
Rewards rate
5% unlimited cashback on Flipkart and Cleartrip, 4% on Swiggy, Uber, PVR, Cult.fit, 1% on other eligible categories↗
Credit needed
Good↗
Perks
Up to 4 complimentary domestic airport lounge visits per year with Rs 50,000 spend in the previous 3 months, Fuel surcharge waiver up to 1% (capped at Rs 400) on transactions between Rs 400 and Rs 4,000, Up to 15% off capped at Rs 500 on EazyDiner dining, Wednesday offers up to 15% on Goibibo and MakeMyTrip flights and hotels, Easy EMI conversion of transactions from Rs 1,500↗
Card kind
Credit↗
Legal entity
Axis Bank Limited↗
Headquarters
India↗
Founded
1993↗
Support channels
Phone, Help-centre↗
Features
Rewards
Official website
axisbank.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • The annual fee of INR 500 ranks the card at 224 of 312 brands, and the cashback rate offsets it quickly
  • cashback pays out, and it is unlimited on Flipkart and Cleartrip, higher on Swiggy, Uber, PVR and Cult.fit, with a base rate elsewhere
  • Perks cover complimentary lounge visits, a capped fuel surcharge waiver, EazyDiner dining discounts, Goibibo and MakeMyTrip offers and easy EMI conversion
  • Support runs on phone and help centre, covering phone and a help centre

Cons

  • The APR of 55.55% places the card at 131 of 138 brands ranked on this measure, so revolving a balance is expensive
  • Foreign purchases cost 3.5% in currency conversion fees, against a 2% median for credit cards
  • Outside the partner brands the cashback rate drops to a base rate, and the lounge, fuel and dining perks carry spend conditions
Axis Bank Credit Cards

Ready to try Axis Bank Credit Cards?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Shoppers who keep most card spend on Flipkart, Cleartrip, Swiggy, Uber, PVR and Cult.fit
  • People who would rather take cashback in hand than collect points
  • Cardholders who pay in full each month and never revolve a balance

Who should look elsewhere

  • Anyone planning to carry a balance, since the APR of 55.55% punishes revolving debt
  • Travellers spending heavily abroad, who would pay 3.5% on currency conversion
  • bunq, Wise and Varo Believe Secured Credit Card users, who pay an annual fee of €0, £0 or $0

Fees and FX

Axis Bank Credit Cards is a credit card from Axis Bank Limited, and the headline cost is an annual fee of INR 500. Borrowing is priced at an APR of 55.55%, well above the 16% median across the credit cards compared, so the card only makes sense if the balance is cleared in full. Foreign spending adds a currency conversion fee of 3.5%.

How it compares on our data

On annual fee, Axis Bank Credit Cards ranks 224 of the 312 brands compared. On APR it sits at 131 of 138, the weakest of the measures here. Currency conversion fee places it at 173 of the 186 brands ranked on that measure.

How Axis Bank Credit Cards compares

Where Axis Bank Credit Cards is available

Available
India
Licence in India
Reserve Bank of India, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the annual fee on Axis Bank Credit Cards?+

The annual fee is INR 500. That ranks the card at position 224 among the 312 brands compared on this measure, so the charge is small for anyone who spends on Flipkart. The cashback rate on Flipkart and Cleartrip can offset it quickly.

What APR does this card charge and is that high?+

The APR is 55.55%, which puts Axis Bank Credit Cards at position 131 of the 138 brands ranked on this measure. The 1.3 cost score reflects that gap. Revolving a balance is where the card costs most, so it suits people who clear the full amount each month.

What does it cost to use the card abroad?+

Foreign transactions carry a currency conversion fee of 3.5%. That places the card at 173 of the 186 brands ranked on currency conversion fee, and the figure sits close to the 2% median for credit cards. Holiday spending therefore adds cost on every foreign purchase.

How are the rewards paid out?+

Rewards come back as cashback, not points or miles. The rate is unlimited on Flipkart and Cleartrip, higher but smaller on Swiggy, Uber, PVR and Cult.fit, and a base rate on other eligible categories. The strongest rates apply only to the named partners, so ordinary spending earns less than the headline figure suggests.

Which credit history does the card need?+

The card suits applicants with good credit, and a hard credit check is the norm across 75% of the data. Across the comparison, 57.7% covers the largest share of credit cards, while 44.9% is the biggest single group in the wider set, so a thin file works against an application here.

What perks come with the card?+

Perks cover travel, fuel and dining: complimentary domestic lounge visits, a capped fuel surcharge waiver, EazyDiner dining discounts, Goibibo and MakeMyTrip offers, and easy EMI conversion of transactions. Each carries a spend condition or a cap, so the annual fee pays off only if those categories are normal spending.

Who regulates Axis Bank Limited?+

Axis Bank Limited is headquartered in India, and the card falls under the Reserve Bank of India. Support is available on phone and help centre, so questions about the limit, rewards or the annual fee can be raised by phone or through the help centre. The product is a credit card rather than a charge card.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Axis Bank Credit Cards

Axis Bank Credit Cards

Indian cardholders whose spend sits on Flipkart, Cleartrip and dining, and who pay the balance in full.

8.7/10See alternatives