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Axis Bank

Axis Bank Credit Cards 2026

Explore all credit cards from Axis Bank. 4 cards ranked by our experts.

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Best for: Frequent Flipkart and Myntra shoppers who want maximum cashback on online shopping. Also great for food delivery and entertainment spenders.
Flipkart Axis Bank

Flipkart Axis Bank

3.7 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

Rewards rate

₹1.00 - ₹6.25/₹100

Joining fee

₹500

Interest rate

55.55%

Card details
Forex Markup
3.50%
Categories Co-Branded, Shopping
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CardNitty's take

Pros

  • 5% cashback on Flipkart purchases
  • 7.5% cashback on Myntra - highest in category
  • 4% unlimited cashback on Swiggy, Uber, PVR
  • Low joining and annual fee of Rs. 500
  • Easy fee waiver on Rs. 3.5 lakh annual spend
  • 1% fuel surcharge waiver up to Rs. 400/month
  • EMI conversion available on purchases above Rs. 2,500

Cons

  • Lounge access removed from June 2025
  • No reward points - only cashback
  • 3.5% forex markup is higher than premium cards
  • Many excluded categories (fuel, rent, utilities, EMI)
  • Quarterly caps on Flipkart and Myntra cashback
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Best for: Frequent travellers who want airline-agnostic miles with flexible transfer partners and tier-based lounge access.
Axis Bank Atlas

Axis Bank Atlas

3.2 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹5,000

Rewards rate

₹2.00/₹100

Joining fee

₹5,000

Interest rate

55.55%

Card details
Forex Markup
3.50%
Categories Lounge Access, Premium, Rewards, Travel
View full details
CardNitty's take

Pros

  • Excellent 1:2 transfer ratio to 20+ airline and hotel partners
  • 5 EDGE Miles per Rs. 100 on travel (5% return)
  • Tier-based lounge access up to 18 domestic + 12 international
  • Flexible redemption via Travel EDGE Portal at Rs. 1/mile
  • Welcome benefit of 2,500 EDGE Miles worth Rs. 5,000+

Cons

  • High forex markup of 3.5% despite being a travel card
  • No insurance benefits
  • No golf benefits
  • No annual fee waiver option
  • Transfer partner caps (Group A: 30K, Group B: 1.2L per year)
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Best for: Google Pay users who pay utility bills, Swiggy/Zomato/Ola users, people seeking strong base cashback with no cap
Axis Bank Ace

Axis Bank Ace

3.7 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹499

Rewards rate

₹5.00/₹100

Joining fee

₹499

Interest rate

55.55%

Card details
Forex Markup
3.50%
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
View full details
CardNitty's take

Pros

  • Highest cashback (5%) on utility bills via Google Pay
  • Uncapped 1.5% base cashback on all other spends
  • 4 complimentary domestic airport lounge visits per year
  • Low annual fee of Rs. 499, waivable on Rs. 2 lakh annual spend
  • 4% cashback on Swiggy, Zomato and Ola
  • Free card replacement
  • 1% fuel surcharge waiver up to Rs. 500 per cycle

Cons

  • Accelerated cashback (5% and 4%) capped at Rs. 500 per statement cycle combined
  • iOS users cannot use Google Pay bill pay feature for 5% cashback
  • No cashback on fuel, EMI, rent, wallet loads, insurance and gold purchases
  • 3.5% forex markup makes it poor for international transactions
  • Base cashback reduced from 2% to 1.5% in April 2024 devaluation
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Best for: Airtel users (mobile, broadband, DTH) paying via Airtel Thanks app, Swiggy/Zomato/BigBasket shoppers, utility bill payers seeking cashback.
Axis Bank Airtel

Axis Bank Airtel

3.8 CardNitty rating
APPLY NOW on Axis Bank's website

Annual fee

₹500

Rewards rate

₹1.00 - ₹15.00/₹100

Joining fee

₹500

Interest rate

55.55%

Card details
Forex Markup
3.50%
Categories Cashback, Co-Branded, Entry Level, Shopping
View full details
CardNitty's take

Pros

  • Industry-leading 25% cashback on Airtel bills via Airtel Thanks app
  • 10% cashback on utility bills and food delivery partners
  • Low annual fee of Rs 500 with easy waiver at Rs 2 lakh spend
  • 4 complimentary domestic airport lounge visits per year
  • 1% unlimited cashback on all other retail spends

Cons

  • Cashback caps are low (Rs 250/month on Airtel and utility)
  • Utility cashback only works through Airtel Thanks app
  • No international lounge access
  • High forex markup of 3.5%
  • New surcharges on fuel, education, wallet loads from Dec 2024
Read full review

About Axis Bank

Total Cards

4

Country

India

Website

www.axisbank.com

Support Email

customer.care@axisbank.com

Card Categories

Co-Branded Shopping Lounge Access Premium Rewards Travel Cashback Entry Level Lifetime Free

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