Credit Cards · Bank review
Axis Bank Credit Cards
Axis Bank has been one of the more aggressive credit-card issuers in India in recent years, with co-brand tie-ups such as Flipkart and generous reward structures on its Magnus and Reserve tiers. Several premium benefits, including domestic lounge access through Priority Pass, were cut back in 2025-26.
By FinancePaisa Editorial Team · Research & editorialUpdated · 1 min read
- 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)
On this page (4 sections)
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 ACE
- Annual fee
- ₹499
- Best for
- 5% cashback on Google Pay bills
Flipkart Axis Bank
- Annual fee
- ₹500
- Best for
- 5% cashback on Flipkart & Cleartrip
Axis Magnus
- Annual fee
- ₹12,500
- Best for
- Milestone-based bonuses & lounge
Axis Reserve
- Annual fee
- ₹50,000 + GST
- Best for
- Super-premium invite-only
Common features
- EDGE Rewards platform for redemption
- Up to 50 days interest-free
- Complimentary lounge access on select cards (Priority Pass on premium cards no longer covers domestic lounges in India)
- 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 |
Finance charges
- Amount
- 3.55% per month (42.58% p.a.)
Late payment fee
- Amount
- ₹100 to ₹1,300 based on slab
Cash advance fee
- Amount
- 2.5% (min ₹500)
Forex mark-up
- Amount
- 3.5% (1.5% on Reserve)
Duplicate statement
- Amount
- ₹50 per request
Frequently asked questions
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