Axis Bank Kwik Rupay Credit Card

Following are the key highlights of the Axis Kwik Rupay credit card:

The key features and benefits of the Axis Bank Kwik Rupay credit card are as follows:

Virtual Card

• Axis Bank Kwik Rupay credit card is a virtual instant credit card.
• It can be used on the Kiwi app for seamless UPI transactions. 
• You will get the card instantly upon approval.
• Once you get the card, link it with UPI and start transacting.

EDGE Reward Points

• Earn 2 EDGE reward points on spending every Rs. 200 on domestic & international transactions.
• No reward points can be earned for wallet load, rental payments, fuel, cash withdrawals, repayments, insurance, education, jewellery, EMI transactions, government services, and credit card on UPI transactions below Rs. 2,000.
• Earned points are credited to your EDGE REWARDS account within 7 working days.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on fuel spending.
• The offer is valid on transactions between Rs. 400 to Rs. 4,000.
• Maximum benefits available up to Rs. 150 per month.

The fees and charges associated with the Axis Bank Kwik Rupay credit card are mentioned below:

• Joining fee: Nil
• Annual fee: Nil
• Foreign currency transaction fee: 3.5% of the transaction value
• Cash payment fee: Rs. 100
• Overlimit fee: 2.5% of the over-limit amount (minimum Rs. 500)
• Late payment fee: Up to Rs. 1,200 (depending on the payment due).
• Finance charges (for retail purchases & cash): 3.6% per month (52.86% p.a.)
• Cheque return/ dishonour fee/ auto-debit reversal: 2% of the amount (minimum Rs. 450 & maximum Rs. 1,500)
• Reward redemption fee: Up to Rs. 99 (depending on the reward points to be redeemed)
• Rent transaction fee: 1% (maximum Rs. 1,500) per rental transaction
• Dynamic currency conversion markup: 1%.
• Surcharge on purchase/cancellation of railway tickets: As prescribed by Indian Railways/IRCTC

The detailed Axis Bank Kwik Rupay credit card eligibility criteria are mentioned below:

• The applicant must be between 18 and 70 years old.
• The applicant must be a resident of India.

Unless there are any case variations, the documents required to apply for an Axis Bank Kwik Rupay credit card are:

• A copy of PAN Card or Form 60. 
• A recent coloured photograph in passport size.
• Recent Payslip/ Form 16/ ITR copy as income proof.
• Passport/ Driving License/ Voter ID Card/ Aadhaar Card/ PAN Card as identity proof.
• Passport/ Driving License/ Voter ID Card/ Aadhaar Card as residence proof.

You can download and register on the Kiwi app to get your Axis Bank Kwik Rupay card. You can activate your Axis Bank Kwik Rupay Credit Card by following the steps mentioned below:

• Link your card to the UPI app and set UPI PIN to activate the card.
• Login to Axis Bank mobile app/ internet banking, go to ‘Credit Card’, and then ‘Unbox Your Kwik Credit Card’ with the Activation Code given in the welcome letter. Set card PIN or enable ‘manage usage settings’.