Axis Bank Rupay Credit Card
Axis Bank's range of RuPay credit cards, including the Axis Bank RuPay Credit Card and the UPI Credit Card, cater to diverse needs. With options like the fuel-centric Indian Oil Axis Bank RuPay Credit Card and the innovative Fibe Axis Bank RuPay Credit Card, consumers enjoy varied benefits, showcasing the utility and appeal of the Axis RuPay credit card lineup. Connect your Axis Bank RuPay credit cards to your UPI ID, unlocking a streamlined and secure digital payment avenue.
Key Highlights of Axis Bank Rupay Credit Cards
| Axis Rupay Credit Card | Indian Oil Axis Bank RuPay Credit Card | Axis Bank KWIK RuPay Credit Card | Fibe Axis Bank RuPay Credit Card |
| Joining Fee | 500 + GST | Nil | Nil |
| Annual Fee | 500 + GST | Nil | Nil |
| Best Suited For | Fuel Benefits | Shopping | Shopping |
| Welcome Benefits | 100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance. | No exclusive welcome benefits | No exclusive welcome benefits |
| Reward Rate | Earn 20 Reward Points for every Rs. 100 spent on fuel at IOCL stations, 5 Reward Points for every Rs. 100 spent on online shopping, and 1 EDGE Point for every Rs. 100 spent on all other purchases with the card. | 2 EDGE RPs per Rs. 200 spent with the card on domestic and international spends | 3% Cashback on Entertainment, Food Delivery & Commute |
| Airport Lounge Benefits | Nil | Nil | 4 domestic lounge access annually |
Features & Benefits of Axis Bank Rupay Credit Card
Axis Bank RuPay Credit Cards offer a range of features and benefits designed to enhance your spending experience. Enjoy exclusive rewards on fuel purchases at IOCL stations, generous points on online shopping, and valuable EDGE Points on all other transactions with KWIK RuPay card and Fibe Axis bank card. With comprehensive security, attractive deals, and widespread acceptance, these cards cater to both your lifestyle and financial needs efficiently.
Features & Benefits of Indian Oil Axis Bank RuPay Credit Card
The IndianOil Axis Bank Credit Card is designed specifically for those who frequently spend on fuel, offering an impressive array of rewards across various categories, including but not limited to fuel purchases. Here's a rundown of the key advantages and features this card offers:
- Introductory Offer: Enjoy a welcome offer of 100% cashback (capped at Rs. 250) on any fuel purchases made within the first 30 days after the card is issued.
- Entertainment and Dining Perks: Receive an immediate 10% discount when booking movie tickets through BookMyShow.
Benefit from up to 15% savings, with a maximum of Rs. 500, on your dining expenses at select eateries affiliated with the Axis Bank EazyDiner Program.
Features & Benefits of Axis Bank KWIK Card
The Axis Bank Kwik credit card offers:
- UPI Transactions: Use for UPI spends to earn rewards. Apply via the Kwik app, receive a virtual card instantly, and link to UPI with a PIN setup.
- Virtual Card: Instant access to a virtual card upon approval through the Kwik app, enabling immediate UPI payments.
- Easy Activation: Activate via the Kwik app or Axis Bank's mobile app/internet banking by setting up a UPI PIN and configuring card settings.
Features & Benefits of Fibe Axis Bank Card
Before choosing a credit card, understanding its benefits is crucial. Here's a brief overview of the Fibe Axis Bank Credit Card's key features:
- No Annual Fee: This card is free for life, with no annual or renewal fees.
- Numberless Design: Offers enhanced security as India's first numberless credit card.
- UPI Compatibility: Supports UPI payments for convenient transactions.
Earning Rewards on Axis Bank RuPay Credit Cards
Once you get your Axis Rupay Credit Card, you can start reaping the benefits by accumulating reward points based on usage.
| RuPay Credit Card | Indian Oil Axis Bank RuPay Credit Card | Axis Bank KWIK RuPay Credit Card | Fibe Axis Bank RuPay Credit Card |
| Rewards Rate | - 20 Reward Points per Rs. 100 on fuel transactions at IOCL stations. - 5 Reward Points per Rs. 100 on online shopping. - 1 EDGE Point per Rs. 100 on all other spends. | 2 EDGE RPs per Rs. 200 spent on domestic and international spends. | 3% Cashback on Entertainment, Food Delivery & Commute. |
| Rewards Redemption | Reward Points redeemable for shopping/travel vouchers and products on Axis Bank EDGE Rewards Portal. | RPs can be redeemed against products, vouchers, flight/hotel tickets, Airmiles, etc | Direct Cashback |
Fee & Charges of Axis Bank RuPay Cards
| Details | Indian Oil Card | KWIK Card | Fibe Rupay Card |
| Monthly Interest Rate | 3.4% | 3.6% | 3.6% |
| Annual Interest Rate | 49.36% | 52.86% | 52.86% |
| Fuel Surcharge | 1% fuel surcharge waived for transactions between Rs. 200 and Rs. 5,000 | 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4000 | 1% upto Rs 400 |
| Cash Advance Fee | 3.4% of the total transaction amount (Minimum Rs. 500). | NA | 2.5% of the Transaction Amount or a Minimum of Rs. 500 |
| Forex Markup Fee | 3.5% of foreign spends | 3.5% of foreign spends | 3.5% of foreign spends |
Documents for Axis Bank RuPay Credit Card
When applying for the Axis Bank RuPay Card, the procedure is streamlined and necessitates the submission of specific documents for KYC (Know Your Customer) compliance and eligibility confirmation. Here is a detailed list of the documents required:
- Identity Verification: Acceptable documents include Passport, Voter ID, Driving License, Aadhaar Card, NREGA Card, or PAN Card.
- Proof of Address: To verify your residential address, you can provide Utility Bills, Ration Card, or Passport.
- Proof of Income: Employed individuals need to submit their most recent 3 months' Salary Slips or Bank Statements as proof of income.
- Photo ID: A current passport-sized photograph is also required.
Eligibility for Axis RuPay Cards
For the Axis Bank RuPay Cards, the eligibility requirements are as follows:
- Age Limit for Primary Cardholder: Applicants should be aged between 21 and 60 years.
- Age Criteria for Add-on Cardholders: Individuals aged over 18 years qualify for add-on cards.
- Residency Requirement: These cards are exclusively issued to Resident Indians.
How to Apply for Axis Rupay Credit Cards?
Applying for Axis Bank RuPay Credit Cards can be done in a few simple steps:
- Begin Application: Click on the "Apply Now" button which redirects you to the Axis Bank RuPay Credit Cards page.
- Enter Your Information: Provide all necessary details as requested by the bank in the application form.
- Assistance Call: An executive from the bank will contact you to verify your information and assist in expediting your application process.
- Card Delivery: Once approved, your Axis Bank RuPay Credit Card will be delivered directly to your home.
FAQs
Linking your card to your UPI ID allows for easy and secure transactions. It enables you to make credit card payments directly from your UPI-enabled apps, leveraging the convenience of UPI with the benefits of your credit card.
Annual fees for Axis Bank RuPay Credit Cards vary by card type. Some cards may offer a lifetime free option, while others might have an annual fee based on the card’s features and benefits. Please check the specific card details for accurate information.
Yes, Axis Bank RuPay Credit Cards offer reward points on various transactions, including shopping, dining, and more. The exact rewards structure depends on the specific RuPay card you hold.
You can pay your credit card bill through the Axis Bank mobile app, internet banking, UPI, or by visiting an Axis Bank branch. Other payment options include NEFT, bill payment services, and cheque payments.
Immediately report the loss or theft to Axis Bank’s customer service. You can do this by calling their helpline, using the mobile app, or through internet banking to block your card and request a replacement.
Yes, Axis Bank offers add-on RuPay credit cards for family members of the primary cardholder. The eligibility criteria for add-on cardholders usually include age and relationship to the primary cardholder.
This depends on the specific RuPay credit card variant you hold. Some cards are designed for international use, while others may be restricted to domestic transactions only. Check your card’s features for details.
You can check your reward points balance through the Axis Bank mobile app, internet banking, or by contacting customer service.