Axis Bank Credit Cards
Axis Bank has been one of the more aggressive credit-card issuers in India in recent years, with market-leading co-brand tie-ups (Flipkart, Vistara) and generous reward structures on its Magnus and Reserve tiers.
Last updated: 15 June 2025
Interest Rate
42.58% p.a. (finance charges)
Loan Amount
Up to ₹30 lakh (card limit)
Tenure
Revolving
Processing Fee
₹500 to ₹12,500 (annual fee)
Popular Axis Bank credit cards
| Card | Annual fee | Best for |
|---|---|---|
| Axis ACE | ₹499 | 5% cashback on Google Pay bills |
| Flipkart Axis Bank | ₹500 | 5% cashback on Flipkart & Cleartrip |
| Axis Magnus | ₹12,500 | Milestone-based bonuses & lounge |
| Axis Reserve | ₹50,000 + GST | Super-premium invite-only |
| Axis Vistara Signature | ₹3,000 | Frequent flyers on Vistara |
Common features
- EDGE Rewards platform for redemption
- Up to 50 days interest-free
- Complimentary lounge access on select cards
- EMI conversion (Freecharge Pay Later, Dial-an-EMI)
- Fuel surcharge waiver at partner outlets
Charges to know
| Charge | Amount |
|---|---|
| Finance charges | 3.55% per month (42.58% p.a.) |
| Late payment fee | ₹100 to ₹1,300 based on slab |
| Cash advance fee | 2.5% (min ₹500) |
| Forex mark-up | 3.5% (1.5% on Reserve) |
| Duplicate statement | ₹50 per request |