Axis
Axis Aura Credit Card
This is an invite only card
Apply and get ₹1400 Rewards
Top Benefits
Get a Decathlon OMNI Gift Card worth ₹750
as a welcome benefit redeemable at decathlon.in, the Decathlon app, or Decathlon stores within 60 days of card issuance
Earn 5X EDGE Reward Points on Insurance Spends
as a welcome benefit redeemable at decathlon.in, the Decathlon app, or Decathlon stores within 60 days of card issuance
Best For
Dining
The Axis Aura Credit Card is a solid entry-level option designed for everyday shoppers who want straigh...
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The Axis Aura Credit Card is a solid entry-level option designed for everyday shoppers who want straigh...
The Axis Aura Credit Card is a solid entry-level option designed for everyday shoppers who want straightforward rewards without complex conditions. The standout feature of this card is something you rarely see in this fee bracket: zero forex markup on international transactions. If you frequently buy from international websites or travel abroad on a budget, this single feature makes the card worth holding.
With a very accessible monthly income requirement of just Rs. 16,667 for salaried individuals, this card is built for young professionals and first-time credit users. You get an immediate return on your investment when you join, as the Rs. 749 fee is completely offset by a Rs. 750 welcome voucher for Amazon or Decathlon. While it skips luxury perks like lounge access or free movie tickets, the Axis Aura focuses on practical savings through accelerated points on insurance premiums, dining discounts, and steady base rewards on your daily spends.
This card works great for people who want a reliable, low-maintenance financial tool. If you want to build your credit score while getting some value back on dining and insurance, the Axis Aura provides a simple path to do exactly that.
View FAQ
Commonly Asked Questions
Is the Axis Aura Credit Card lifetime free?
No, the Axis Aura Credit Card is not lifetime free. It comes with a joining fee of Rs. 749 and an annual fee of Rs. 749 from the second year onwards.
Who should apply for the Axis Aura Credit Card?
This card is perfect for young professionals earning around Rs. 17,000 per month who want to build credit. It is especially useful for those who make international purchases, thanks to the zero forex markup feature.
Does this card offer airport lounge access?
No, this card does not offer complimentary airport lounge access. It is focused on everyday rewards, dining, and zero forex fees rather than luxury travel perks.
Is it a good first credit card?
Yes, it is a very good first card because the income requirement is low at Rs. 2 lakh annually for salaried applicants, making it highly accessible for beginners.
Expert Review
In my experience analyzing hundreds of credit cards, the Axis Aura Credit Card is a mix of basic and premium features. It serves as a standard entry-level card with its Rs. 749 fee and 2 points per Rs. 200 reward structure, yet the 0% forex markup is a premium inclusion. It is rare to find a card under Rs. 1,000 a year that waives foreign currency transaction fees entirely.
The card does lack an annual fee waiver, which is common in this segment, and the Rs. 99 redemption fee reduces the net value of rewards for small-scale users. However, for those with recurring insurance payments or international spending needs, the value is clear.
Ultimately, this card is a solid "Yes" if you frequently pay international subscriptions, buy games on foreign servers, or travel abroad on a budget. The savings on forex fees alone will cover the Rs. 749 annual cost. If you never transact in foreign currencies, you will find better daily value in competitor cards focused on online shopping or grocery cashback.
Joining / Annual Fee
Joining Fees
₹884 ( ₹749 + GST )
Annual Fees
₹884 ( ₹749 + GST )
Understanding the cost of holding a credit card is crucial before applying. The Axis Aura Credit Card h...
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Understanding the cost of holding a credit card is crucial before applying. The Axis Aura Credit Card h...
Understanding the cost of holding a credit card is crucial before applying. The Axis Aura Credit Card has a very straightforward fee structure. When your card is issued, you will be charged a one-time joining fee of Rs. 749 plus applicable GST. This fee is quickly offset because you receive an Amazon or Decathlon voucher worth Rs. 750 upon successful activation of the card.
From the second year onwards, an annual fee of Rs. 749 plus GST is charged to your account. Unlike some competing cards that offer a spend-based fee waiver (for example, spending Rs. 1 lakh to waive the fee), no annual fee waiver is available for the Axis Aura. This means you will pay the Rs. 749 renewal fee every year. However, if you actively use the dining discounts or travel abroad and use the 0% forex benefit, you can easily recover this cost.
View FAQ
Commonly Asked Questions
What is the joining fee for this card?
The one-time joining fee is Rs. 749 plus applicable GST.
Do I get anything in return for paying the joining fee?
Yes, you receive an Amazon or Decathlon welcome voucher worth Rs. 750 when you activate the card, which fully offsets the joining fee cost.
What is the annual renewal fee?
From the second year onwards, an annual fee of Rs. 749 plus GST is charged to maintain the card.
Is there a way to waive the annual fee by spending a certain amount?
No, there is no annual fee waiver milestone available on this card. The fee of Rs. 749 is charged yearly.
When is the annual fee charged to my statement?
The annual fee is billed to your statement in the anniversary month of your card issuance every year.
Are taxes included in the Rs. 749 fee?
No, the Rs. 749 fee is exclusive of taxes. An 18% GST is applied on top of bank fees, bringing the total cost slightly higher.
If I cancel the card after six months, do I get the joining fee refunded?
No, the joining fee is non-refundable once billed, regardless of when you decide to close the card account.
Does the welcome voucher cover the GST charged on the joining fee?
The welcome voucher is fixed at Rs. 750. It covers the base fee of Rs. 749, but you will still bear the cost of the GST applied to the fee out of pocket.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
2LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Axis Bank has kept the entry barrier for the Aura Credit Card reasonable, making it a fantastic choice ...
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Axis Bank has kept the entry barrier for the Aura Credit Card reasonable, making it a fantastic choice ...
Axis Bank has kept the entry barrier for the Aura Credit Card reasonable, making it a fantastic choice for young people starting their careers. The card is available to individuals aged between 18 and 70 years. Both salaried employees and self-employed professionals can apply.
If you are a salaried individual, you need a minimum annual income of Rs. 2,00,000. This translates to a monthly income of Rs. 16,667. If you are self-employed, the income requirement is higher at Rs. 3,00,000 per year.
Your credit score also plays a major role. A CRIF score of 720 is the baseline requirement. However, a CRIF score of 750 or higher ensures a high probability of approval, subject to the bank's final assessment. A healthy credit profile ensures a smooth application process.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for the Axis Aura Credit Card?
The primary applicant must be at least 18 years old to apply for this card.
What is the maximum age limit for applicants?
Applicants can be up to 70 years of age to be considered eligible for this credit card.
What is the minimum salary required for this card?
Salaried professionals need a minimum annual income of Rs. 2,00,000, which equals a monthly salary of Rs. 16,667.
Can self-employed individuals apply for the Axis Aura card?
Yes, self-employed applicants are welcome. They must show a minimum annual income of Rs. 3,00,000 to meet the bank norms.
What credit score do I need for approval?
You need a minimum CRIF score of 720. However, having a score of 750 or higher gives you a much better chance of securing approval.
Will my application be rejected if my score is exactly 720?
Not necessarily. While a score of 750 improves your chances, a score of 720 meets the minimum threshold. Final approval is determined by the bank's assessment of your overall profile.
Do I need to be an existing Axis Bank customer to apply?
No, you do not need an existing relationship with Axis Bank. However, having a salary account there might speed up the internal processing.
How do I prove my income if I am self-employed?
Self-employed individuals usually need to submit their latest Income Tax Returns (ITR) showing a minimum annual income of Rs. 3,00,000.
All Card Benefits
- 5X EDGE Reward Points on insurance spends, capped at ₹10,000 per transaction, over and above the base rate of 2 points per ₹200
- Decathlon OMNI Gift Card worth ₹750, redeemable within 60 days of card issuance
- 4 complimentary Practo video doctor consultations per month (48 per year) across 22 specialties, plus 20% off on medicines, lab tests, and health check-ups
- 4 personal video workout sessions per month with Fitternity, plus 16 pre-recorded sessions every month
- Up to 15% off on dining via Axis Bank Dining Delights, max ₹500 discount on ₹2,500 minimum order, valid once per card per month.
Welcome Benefits
Axis Bank makes sure you do not feel the pinch of the joining fee. When you pay the...
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Welcome Benefits Axis Bank makes sure you do not feel the pinch of the joining fee. When you pay the...
Welcome Benefits
Axis Bank makes sure you do not feel the pinch of the joining fee. When you pay the Rs. 749 joining fee, you receive an Amazon or Decathlon OMNI Gift Card worth Rs. 750 upon successful card activation. The Decathlon voucher is valid for 60 days and can be used online, on the app, or at physical Decathlon stores. To qualify for this welcome benefit, you must make a minimum transaction of Rs. 100 within 30 days of receiving your card.
For example, if you receive your card on the 1st of the month, simply buy a Rs. 100 coffee or mobile recharge by the 30th. Your card gets activated, and you get a Rs. 750 voucher, effectively making your first year free.
Reward Points Structure
The core earning mechanism of the Axis Aura Credit Card relies on the Axis EDGE Rewards program. You earn 2 EDGE Reward Points for every Rs. 200 spent on eligible transactions. This straightforward earning rate applies to most of your daily retail purchases, helping you accumulate points steadily over time.
Let us look at a practical example. If you use this card to buy groceries and clothes worth Rs. 15,000 in a month, you will earn 150 EDGE Reward Points. Over a year, spending Rs. 15,000 monthly will give you 1,800 points. You can then use these points on the Axis EDGE portal for vouchers or products, where each point holds a value of ₹0.20 when redeemed for shopping vouchers.
Dining Benefits
Food lovers get a nice bonus with this card. You can enjoy up to 15% off at partner restaurants across India through the Axis Bank Dining Delights program. This includes thousands of popular dining outlets, cafes, and fine-dining restaurants.
For example, if you take your family out for dinner and the bill comes to Rs. 3,000 at a partner restaurant, a 15% discount instantly saves you Rs. 450. Over the course of a year, if you dine out twice a month, these savings easily cover your annual card fee.
Insurance Premium Benefits
One of the most unique features of the Axis Aura Credit Card is its accelerated rewards on insurance payments. You earn 5X EDGE Reward Points on insurance spends. This is a massive advantage since many competing cards give zero points for insurance payments. The maximum eligible transaction amount for this 5X multiplier is capped at Rs. 10,000 per transaction.
Let us say you pay a yearly life insurance premium of Rs. 10,000. Normally, you would earn 100 points (2 points per Rs. 200). With the 5X benefit, you earn 500 EDGE Reward Points on that single transaction. This makes the Axis Aura an excellent card to keep handy for your annual premium payments.
Fuel Surcharge Waiver
Commuters can save money at the pump with the Axis Aura card. It offers a 1% fuel surcharge waiver on fuel spends across all petrol pumps in India. To qualify for the waiver, your fuel transaction must be between Rs. 400 and Rs. 4,000. The maximum waiver you can receive is capped at Rs. 250 per statement cycle.
For example, if you fill up your tank for Rs. 2,000, the 1% surcharge of Rs. 20 will be waived off. If you spend Rs. 10,000 on fuel in a month via five Rs. 2,000 transactions, you save Rs. 100 in surcharges. Note that you do not earn EDGE Reward points on fuel, but the surcharge waiver keeps your driving costs down.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to make a minimum transaction of Rs. 100 within 30 days of receiving your card to activate it and become eligible for the Rs. 750 welcome voucher.
What choices do I have for the welcome voucher?
You can choose between an Amazon gift voucher or a Decathlon OMNI Gift Card, both worth Rs. 750.
Where can I use the Decathlon welcome voucher?
The Decathlon OMNI Gift Card is highly flexible. You can use it for purchases on the Decathlon website, mobile app, or directly at any of their physical stores across India.
Does the welcome voucher have an expiry date?
Yes, the Decathlon welcome voucher is valid for 60 days from the date of issue. Be sure to redeem it before this window closes.
What is the standard reward rate on this card?
You earn 2 EDGE Reward Points for every Rs. 200 spent on eligible retail purchases using your Axis Aura Credit Card.
How many reward points do I get if I spend Rs. 1,000?
If you spend Rs. 1,000 on an eligible category, you will earn 10 EDGE Reward Points.
Which transactions do not earn any reward points?
You will not earn any points on fuel spends, EMI transactions, wallet loads, jewellery purchases, cash advances, and outstanding payments.
Do I earn points when I load money into my Paytm wallet?
No, wallet loading transactions are strictly excluded from the reward points program on this card. You will earn zero points for a Rs. 2,000 wallet top-up.
Do I earn points on jewellery purchases?
No, jewellery purchases are specifically excluded from the rewards program. Buying a Rs. 50,000 gold chain will yield zero reward points.
Will I earn points if I convert a large purchase into EMIs?
No, EMI spends are excluded from earning EDGE Reward Points. The initial purchase amount will not accrue any points once converted to an EMI.
How can I redeem my reward points?
You can redeem your accumulated points through the official Axis EDGE Rewards catalogue available on the bank's website or mobile app.
Is there a fee for redeeming my reward points?
Yes, Axis Bank charges a reward redemption handling fee of Rs. 99 plus applicable GST every time you place a redemption request.
How much discount do I get on dining?
You get up to 15% off on your food bills at partner restaurants under the Axis Bank Dining Delights program.
How do I know which restaurants offer the discount?
You can check the list of participating restaurants on the Axis Bank Dining Delights portal or through the Axis mobile app before you plan your meal.
Do I need to carry a coupon for the dining discount?
No, you just need to inform the restaurant staff that you will be paying with an eligible Axis Bank credit card to get the discount applied to your bill.
Does the dining discount apply to alcohol?
Discounts apply to food and non-alcoholic beverages. Alcohol is excluded from the Dining Delights discount program as per standard bank policy.
How many points do I earn on insurance payments?
You earn 5X EDGE Reward Points on insurance spends compared to the base reward rate.
Is there a limit to the 5X insurance benefit?
Yes, the maximum eligible transaction amount for the 5X multiplier is capped at Rs. 10,000 per transaction.
What happens if my insurance premium is Rs. 15,000?
For a Rs. 15,000 premium, you earn 5X points on the first Rs. 10,000 and the standard base reward rate of 2 points per Rs. 200 on the remaining Rs. 5,000.
Can I pay both life and health insurance premiums to get this benefit?
Yes, as long as the merchant categorizes the transaction under the standard insurance code, you will earn the 5X reward points.
What is the fuel surcharge waiver on this card?
You get a 1% fuel surcharge waiver on all domestic fuel purchases.
What is the minimum transaction amount for the fuel waiver?
Your fuel bill must be at least Rs. 400 to qualify for the 1% surcharge waiver. A Rs. 300 swipe will not get the waiver.
Is there a maximum cap on the fuel surcharge waiver?
Yes, the maximum waiver benefit is capped at Rs. 250 per monthly statement cycle.
Do I earn reward points along with the fuel waiver?
No, fuel spends are explicitly excluded from the rewards program. You get the 1% waiver, but no EDGE Reward points.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
Earn 2 EDGE Reward Points for every ₹200 spent
Redemption Options
Rewards can be redeemed through the Axis EDGE Rewards catalogue
To check redemption catalogue
Redeeming your points on the Axis Aura Credit Card is a simple process. The card uses the bank's propri...
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Redeeming your points on the Axis Aura Credit Card is a simple process. The card uses the bank's propri...
Redeeming your points on the Axis Aura Credit Card is a simple process. The card uses the bank's proprietary Axis EDGE Rewards portal. You cannot adjust these points against your credit card statement balance as direct cashback; instead, you must log in and choose how to spend them.
To redeem, visit the website `https://edgerewards.axisbank.co.in` or access the rewards section through your Axis Bank mobile app. The catalogue is extensive, offering everything from e-vouchers for popular brands to physical electronics, home appliances, and travel bookings. Every time you initiate a redemption request, the bank charges a handling fee of Rs. 99 plus GST.
For example, if you have accumulated 5,000 points over the year, you can log into the portal and exchange them for a shopping voucher. Let us say you pick a Rs. 1,000 voucher. You will get the voucher emailed to you, and a fee of Rs. 99 + GST will appear on your next credit card billing statement.
View FAQ
Commonly Asked Questions
How do I redeem my EDGE Reward Points?
You can redeem your points by logging into the Axis EDGE Rewards catalogue at https://edgerewards.axisbank.co.in using your customer ID.
Is there a fee for redeeming my reward points?
Yes, a reward redemption handling fee of Rs. 99 plus applicable GST is charged to your card account per redemption request.
Can I convert my points directly to statement cash?
No, EDGE Reward points on the Aura card are redeemable for vouchers and products in the catalogue rather than direct statement credit.
What is the best way to maximize my redemptions?
Because of the Rs. 99 redemption fee, it is smarter to accumulate a large number of points and redeem them all at once rather than making multiple small redemptions.
Do my accumulated reward points expire?
EDGE Reward points remain valid for 3 years from the date of accrual.
What happens to my points if I close my credit card?
Unredeemed points are forfeited when you close the account. Always redeem your entire points balance before placing a cancellation request.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Outstanding Payments
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Outstanding Payments
To maximize your benefits, you must know where the Axis Aura Credit Card does not work. Banks place res...
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To maximize your benefits, you must know where the Axis Aura Credit Card does not work. Banks place res...
To maximize your benefits, you must know where the Axis Aura Credit Card does not work. Banks place restrictions on certain spending categories to prevent misuse and manage costs. On this card, you will not earn any base reward points on Fuel Spends, EMI Spends, Wallet Loads, Jewellery Purchases, Cash Advances, or Outstanding Payments.
The real-world impact is significant if you do not pay attention. For instance, if you use your card to top up your Paytm or Amazon Pay wallet with Rs. 5,000 to pay your maid, you earn zero points. If you buy a Rs. 40,000 gold ring for a family wedding, that transaction yields zero points because jewellery is excluded. Furthermore, if you buy a Rs. 60,000 laptop and convert it into 6-month EMIs, you lose out on the points for that purchase entirely.
View FAQ
Commonly Asked Questions
Which transactions do not earn any reward points on this card?
You will not earn points on fuel spends, EMI spends, wallet loads, jewellery purchases, cash advances, and outstanding payment clearances.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are entirely excluded from earning EDGE Reward Points. However, you still get the 1% fuel surcharge waiver.
Do wallet top-ups earn rewards on this card?
No, adding money to digital wallets like Paytm, Amazon Pay, or MobiKwik will not generate any reward points.
Does paying rent with this card earn reward points?
Rent payments earn standard reward points but attract a 1% convenience fee (minimum Rs. 1) per transaction.
Are jewellery purchases excluded from rewards?
Yes, any transaction made at a jewellery store or categorized under the jewellery merchant code is excluded from earning points.
What happens if I accidentally make a payment in an excluded category?
The transaction will go through normally and be added to your bill, but your monthly statement will show zero points earned for that specific swipe.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees An interest charge of 3.75 percent per month is applied if the outstanding balance is not paid by the due date. An interest free period of 20 to 55 days is provided depending on the billing cycle | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A fee of ₹100 is charged for cash payments made at Axis Bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
The Axis Aura Credit Card maintains a transparent fee structure that aligns with standard industry prac...
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The Axis Aura Credit Card maintains a transparent fee structure that aligns with standard industry prac...
The Axis Aura Credit Card maintains a transparent fee structure that aligns with standard industry practices. Below is a detailed breakdown of every charge associated with holding and using this card.
Joining Fee: A joining fee of Rs. 749 is charged when the card is issued. Cardholders receive an Amazon or Decathlon voucher worth Rs. 750 on successful card activation, making the first year cost-neutral.
Annual or Renewal Fee: An annual fee of Rs. 749 is charged from the second year onwards. No waiver condition is available; you will pay the Rs. 749 renewal fee on your card anniversary regardless of your annual spend.
APR or Interest Rate: Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5% to 46.2% p.a.). If you leave a balance of Rs. 10,000 unpaid after the due date and your assigned APR is 3.85%, you will be charged Rs. 385 in interest for that month.
Late Payment Charges: Late payment fees range from Rs. 0 to Rs. 1,200 depending on your total outstanding balance. Missing a payment on a Rs. 5,000 balance attracts a fee of approximately Rs. 500.
Foreign Transaction or Forex Markup Fee: This card offers a 0% Forex Markup on International Transactions. If you spend USD 100 on an international website (roughly Rs. 8,300), you will be billed exactly the converted market rate without the usual 3.5% bank surcharge.
ATM Cash Withdrawal Fee: A Rs. 199 fee is charged per domestic cash withdrawal. While the amount is interest-free for up to 45 days, the flat transaction fee makes this an expensive way to access cash.
Rent Payment Convenience Fee: A 1% convenience fee (plus GST) applies to all rental transactions made through third-party platforms.
Railway Surcharge: IRCTC transactions attract a surcharge of 1.8% for internet bookings or a flat Rs. 10 per transaction at counters plus gateway fees.
Cash Payment Fee: A service fee of Rs. 100 is charged for bill payments made with physical cash at any Axis Bank branch.
Cheque Payment Fee: Bounced cheques attract a penalty of Rs. 300 to Rs. 500 per instance.
Reward Redemption Fee: A reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request.
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Rs. 749 (Offset by Rs. 750 welcome voucher) |
| Annual Fee | Rs. 749 (No waiver available) |
| Interest Rate (APR) | 0.71% to 3.85% per month |
| Forex Markup | 0% on international transactions |
| ATM Cash Withdrawal | Rs. 199 per domestic withdrawal |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 749 plus taxes, which is offset by a welcome voucher worth Rs. 750.
What is the annual or renewal fee?
The card charges an annual fee of Rs. 749 plus applicable GST from the second year onwards.
Is there an annual fee waiver based on spending?
No, there is no spend-based annual fee waiver for this card. You must pay the fee regardless of your yearly spends.
How can I get this card lifetime free?
The Axis Aura is currently offered only as a paid card with an annual fee of Rs. 749.
What is the interest rate (APR) if I don't pay my full balance?
The interest rate varies based on your profile, ranging from 0.71% to 3.85% per month.
How is the interest calculated on outstanding balances?
Interest is calculated daily on your unpaid balance and any new purchases until the entire outstanding amount is cleared in full.
What are the late payment charges?
Late payment fees are tiered: Rs. 0 for balances up to Rs. 500, Rs. 500 for balances between Rs. 501 and Rs. 5,000, and up to Rs. 1,200 for balances exceeding Rs. 50,000.
Is the late payment fee different based on outstanding amount?
Yes, a higher outstanding balance attracts a higher late payment fee, peaking at Rs. 1,200 for outstandings above Rs. 50,000.
What is the forex markup for international transactions?
This card offers a 0% forex markup on all international transactions, making foreign spends highly cost-effective.
Can I withdraw cash using my credit card?
Yes, you can withdraw cash from ATMs, but it comes with a flat fee of Rs. 199 per transaction.
What are the cash withdrawal charges and limits?
You pay a flat Rs. 199 fee per domestic ATM withdrawal, though the withdrawn amount does not accrue interest for up to 45 days.
What happens if I spend more than my credit limit?
If an over-limit transaction is approved, you will be charged 2.5% of the over-limit amount, with a minimum fee of Rs. 500.
Is there a fee to redeem my reward points?
Yes, every time you redeem points on the EDGE portal, you are charged Rs. 99 plus GST.
Are there fees for paying rent with this card?
Yes, a convenience fee of 1% plus GST is charged for all rent payment transactions.
What are the card replacement charges for lost or stolen cards?
The fee for physical card replacement is Rs. 100 plus applicable GST.
Documents Required
Keep your paperwork ready to ensure a quick approval process. You will need a valid PAN card, a recognized proof of address (like an Aadhaar card, Passport, or Voter ID), and income proof. Salaried applicants require the latest 2 months' salary slips, while self-employed individuals require the latest ITR computation.
View FAQ
Commonly Asked Questions
What documents do I need to apply?
You need identity proof, address proof, and income proof (salary slips or ITR).
Is a PAN card mandatory for the application?
Yes, a valid PAN card is mandatory for all credit card applications in India.
Can I use my Aadhaar card as address proof?
Yes, your Aadhaar card is an excellent and widely accepted proof of address.
What income document is required if I earn Rs. 20,000 a month?
As a salaried employee, you will upload your most recent salary slips or bank statements reflecting the salary credits.
Do I need physical copies of my documents?
For an online application, clear digital scans or photos are sufficient. You will only need your physical PAN card during the Video KYC call.
Can my application be rejected if my signature does not match?
Yes, signature mismatches during the Video KYC or document verification stage lead to application rejection or delays.
Who Should Get This Card?
The First-Time Earner: If you just landed your first job with a salary of Rs. 18,000 a month, this card is built for you. The low income criteria lets you enter the credit system safely.
The Budget Traveler: If you take one international trip a year to places like Thailand or Dubai, the 0% forex markup on this card saves you 3.5% in currency conversion fees on every transaction.
Who should NOT get this card? If your primary goal is luxury travel. The card offers no lounge benefits or travel perks. If you want free airport food and comfortable lounge seating, look at premium travel cards instead.
Credit Limit and What to Expect
Credit limits for the Axis Aura card typically range from Rs. 20,000 to Rs. 1,50,000 based on your income, existing debt, and credit score. If you earn exactly the minimum requirement of Rs. 16,667 per month, you will receive a modest starting limit to help you build credit safely. If you have a strong CRIF score of 750+ and a higher income, your initial limit will reflect that higher capacity.
View FAQ
Commonly Asked Questions
What starting credit limit will I get on this card?
The starting limit is determined by your declared income and CRIF score, typically beginning at Rs. 20,000 for entry-level applicants.
Can I request a higher credit limit later?
Yes, after 6 to 12 months of responsible usage and timely bill payments, the bank may offer a limit increase, or you can request one manually.
Will checking my eligibility impact my credit score?
Initial online eligibility checks are soft inquiries and do not impact your score. Only the final submission triggers a hard inquiry.
Is the credit limit shared with my add-on cards?
Yes, if you issue add-on cards for your family members, they will share the overall primary credit limit assigned to your Axis Aura account.
What happens if I spend beyond my credit limit?
Transactions exceeding your limit may be declined. If approved, the bank charges an over-limit penalty fee of 2.5% of the over-limit amount (minimum Rs. 500).
Does the Rs. 10,000 cap on 5X insurance rewards affect my overall credit limit?
No, the Rs. 10,000 cap is strictly for calculating bonus reward points. As long as you have the available credit limit, you can pay a larger insurance premium, but only the first Rs. 10,000 earns the 5X points.
How to Apply?
Applying for the Axis Aura Credit Card is a quick, fully digital process. You do not need to visit a bank branch. You can start your application on the official Axis Bank website or via trusted partner platforms.
Once you fill in your basic details like name, PAN, and income, the bank will do a soft credit check. If you meet the 720+ CRIF requirement and income thresholds, you will proceed to the Video KYC (VKYC) stage. For VKYC, ensure you are in a well-lit room with a stable internet connection. Keep your original PAN card handy to show the bank agent on camera.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, the entire application process is digital. You can apply through the Axis Bank website or mobile app from the comfort of your home.
What is Video KYC and is it mandatory?
Video KYC is a short video call with a bank agent to verify your identity. It is a mandatory step for online applications to comply with RBI guidelines.
What documents do I need for the Video KYC call?
You only need your original physical PAN card and a blank piece of paper with a blue/black pen to provide a live signature during the call.
How long does the approval process take?
If your digital documents and Video KYC are successful, approval is usually communicated within a few working days.
Can I track my application status?
Yes, you will receive an Application ID via SMS. You can use this ID on the Axis Bank tracking portal to check your application status.
What happens if my Video KYC fails due to bad internet?
If the video call drops, you will receive a link to reschedule the call. Alternatively, a bank representative will contact you to arrange physical document collection.
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Top Benefits
Apply and get ₹1400 Rewards
Top Benefits
Get a Decathlon OMNI Gift Card worth ₹750
as a welcome benefit redeemable at decathlon.in, the Decathlon app, or Decathlon stores within 60 days of card issuance
Earn 5X EDGE Reward Points on Insurance Spends
as a welcome benefit redeemable at decathlon.in, the Decathlon app, or Decathlon stores within 60 days of card issuance
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