Axis Bank, one of India’s leading private sector banks, offers a wide range of credit cards tailored to diverse lifestyles and spending habits. As of January 2025, Axis Bank has issued over 1.47 crore credit cards, reflecting its popularity among Indian consumers. Whether you’re a frequent shopper, a travel enthusiast, or someone looking for cashback on everyday expenses, Axis Bank has a card for you. In this blog, we’ll explore the best Axis Bank credit cards in 2025, compare their features, and highlight their benefits to help you choose the right one for your financial needs. Let’s dive in!
Why Choose Axis Bank Credit Cards in 2025
Axis Bank credit cards are known for their competitive features, attractive rewards, and flexibility. Here are some reasons why they stand out:
- Diverse Options: From entry-level cards to premium ones, Axis Bank caters to all income groups and spending preferences
- Reward Programs: Many cards offer EDGE Reward Points, cashback, or airmiles, which can be redeemed for shopping, travel, or other benefits.
- Lifestyle Benefits: Enjoy perks like airport lounge access, dining discounts, and movie ticket offers.
- Affordable Fees: Several cards have low or waived annual fees based on spending thresholds, making them accessible to a wide audience
- Special Offers: Axis Bank frequently rolls out limited-period offers, such as cashback on tax and insurance payments (valid until March 31, 2025
Top Axis Bank Credit Cards in 2025: Comparison and Benefits
Here’s a detailed comparison of five of the best Axis Bank credit cards in 2025, based on their features, benefits, and suitability for different users.
1. Flipkart Axis Bank Credit Card
Best For: Online shoppers, especially Flipkart loyalists, and those seeking cashback
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 (waived on annual spends of ₹3.5 lakh
- Welcome Benefits: ₹600 worth of vouchers (₹500 Flipkart voucher on first transaction + 50% off up to ₹100 on first Swiggy order).
- Cashback: 5% unlimited cashback on Flipkart, Myntra, and partner merchants; 4% on preferred merchants like Swiggy and Zomato; 1.5% on all other spends.
- Dining Discounts: Up to 15% off at partnered restaurants via EazyDiner (max ₹500, twice a month on ₹2,500+ spends).
- Lounge Access: 4 complimentary domestic lounge visits per year.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹4,000.
- Why Choose It?: This card is ideal for frequent online shoppers, especially on Flipkart and Myntra, due to its high cashback rates and no upper limit on earnings. It also offers all-around benefits like dining discounts and lounge access, making it a versatile choice.
2. Axis Bank ACE Credit Card
Best For: Cashback seekers and those with everyday expenses like bill payments
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 (waived on annual spends of ₹2 lakh
Key Benefits
- Cashback: 5% on bill payments, DTH, and mobile recharges via Google Pay; 4% on Swiggy, Zomato, and Ola; 1.5% on all other spends.
- Lounge Access: 4 complimentary domestic lounge visits per year.
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹4,000.
- EMI Conversion: Convert purchases over ₹2,500 into EMIs.
- Why Choose It?: The Axis Bank ACE Credit Card is perfect for those who want cashback on daily expenses like utility bills and food delivery. Its low annual fee and waiver make it budget-friendly, while the lounge access adds a touch of luxury.
3. Axis Bank My Zone Credit Card
Best For: Movie lovers, foodies, and budget-conscious users.
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 (waived on annual spends of ₹1.5 lakh)
- Key Benefits
- Movie Offers: Buy 1 Get 1 free movie ticket on the District App (up to ₹200 off per month).
- Dining Discounts: Up to 15% off via EazyDiner (max ₹500, twice a month on ₹2,500+ spends).
- Entertainment Benefits: Renewal of SonyLiv Premium annual subscription (₹999) on spending ₹1.5 lakh in a year.
- Shopping Discounts: Up to ₹1,000 off on Ajio (minimum transaction of ₹2,999).
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹4,000
- Why Choose It?: This card is a great entry-level option for young professionals or students who enjoy movies, dining, and online shopping. Its low fees and entertainment-focused benefits make it a value-for-money choice.
4. Axis Bank Horizon Credit Card (Formerly Citi PremierMiles)
Best For: Frequent travelers looking for travel rewards.
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 (waived on annual spends of ₹3 lakh)
- Key Benefits
- Welcome Benefits: 5,000 EDGE Miles on spending ₹1,000+ within 30 days.
- Reward Points: Earn up to 20 EDGE Reward Points per ₹125 spent; redeemable for travel bookings.
- Lounge Access: Quarterly complimentary domestic lounge access + international lounge access via Priority Pass.
- Dining Discounts: Up to 15% off via EazyDiner.
- Fuel Surcharge Waiver: 1% on transactions between ₹400 and ₹4,000.
- Why Choose It?: The Axis Bank Horizon Credit Card is ideal for travelers who want to earn rewards on their spends and enjoy lounge access. Its focus on travel benefits makes it a strong contender for frequent flyers.
5. Axis Bank SELECT Credit Card
Best For: Premium users seeking lifestyle and travel benefits.
- Joining Fee: ₹3,000 + GST
- Annual Fee: ₹3,000 (waived on annual spends of ₹6 lakh
- Key Benefits
- Welcome Benefits: Amazon voucher worth ₹2,000 on first transaction within 90 days.
- Reward Points: 10 EDGE Reward Points per ₹200 spent; 20 points on international spends.
- Lounge Access: 12 free international lounge visits per year via Priority Pass + 2 domestic lounge visits per quarter.
- Shopping Discounts: 20% off (up to ₹500) on BigBasket (₹2,000+ spends); 40% off (up to ₹200) on Swiggy (twice a month).
- Movie Offers: Buy 1 Get 1 free movie ticket on BookMyShow (up to ₹300 off per month).
- Insurance: Air accident cover, purchase protection, and credit shield.
- Why Choose It?: This card is perfect for those who want a premium experience with benefits across travel, shopping, and entertainment. Its high reward rate and lounge access make it a great choice for frequent travelers and lifestyle enthusiasts
How to Choose the Right Axis Bank Credit Card
With so many options, selecting the best Axis Bank credit card depends on your spending habits and financial goals. Here are some tips to help you decide
- For Online Shopping: Choose the Flipkart Axis Bank Credit Card if you frequently shop on Flipkart or Myntra, as it offers high cashback rates
- For Everyday Expenses: The Axis Bank ACE Credit Card is ideal for those who want cashback on utility bills, food delivery, and ridesharing apps.
- For Entertainment: The Axis Bank My Zone Credit Card suits movie buffs and foodies with its movie ticket offers and dining discounts.
- For Travel: The Axis Bank Horizon Credit Card is perfect for travelers who want to earn rewards on travel spends and enjoy lounge access.
- For Premium Benefits: The Axis Bank SELECT Credit Card offers a mix of travel, shopping, and lifestyle benefits for those willing to pay a higher fee.
Eligibility Criteria for Axis Bank Credit Cards
While eligibility varies by card, here are the general requirements:
- Age: Primary cardholder must be between 18 and 70 years; add-on cardholders should be above 15/18 years (depending on the card).
- Residential Status: Indian residents and Non-Resident Indians (NRIs) are eligible for most cards.
- Income: Minimum annual income requirements depend on the card (e.g., entry-level cards may require ₹3 lakh, while premium cards may need ₹15 lakh or more).
- Credit Score: A score above 750 is preferred for approval.
- Documents: Proof of identity (PAN, Aadhaar, passport), address proof, and income proof (salary slips, ITR) are required.
How to Apply for an Axis Bank Credit Card
Applying for an Axis Bank credit card is simple and can be done online:
- Visit the Axis Bank Website: Go to the “Credit Cards” section
- Choose Your Card: Browse and select the card that suits your needs.
- Check Eligibility: Ensure you meet the criteria and have the required documents.
- Fill the Application: Provide details like your name, mobile number, PAN, and income.
- Submit: Verify your details with an OTP and submit the application.
- Track Status: Use your application ID or PAN to track your application status online.
Benefits of Axis Bank Credit Cards
- Rewards and Cashback: Earn EDGE Reward Points, cashback, or airmiles on every spend, redeemable for shopping, travel, or vouchers.
- Travel Perks: Complimentary lounge access, discounts on flight and hotel bookings, and travel insurance
- Lifestyle Benefits: Discounts on dining, movies, and shopping at partner merchants
- Fuel Surcharge Waiver: Save 1% on fuel transactions between ₹400 and ₹4,000
- EMI Conversion: Convert large purchases into affordable EMIs.
Things to Consider Before Applying
- Annual Fees: Check if the annual fee aligns with your budget and if it can be waived with spending
- Interest Rates: Axis Bank offers an interest-free period of 20–50 days, but unpaid balances can attract high interest (up to 3.6% per month).
- Spending Habits: Choose a card that rewards your most frequent spending categories (e.g., travel, shopping, dining).
- Additional Charges: Be aware of fees like late payment charges (up to ₹1,200), cash withdrawal fees, and forex markup (varies by card).
Conclusion
Axis Bank credit cards in 2025 offer something for everyone, from cashback-focused cards like the Flipkart Axis Bank Credit Card to premium options like the Axis Bank SELECT Credit Card. By understanding your spending habits and financial goals, you can pick a card that maximizes your benefits—whether it’s cashback on daily expenses, travel rewards, or lifestyle perks. Take advantage of Axis Bank’s diverse offerings, apply for the card that suits you best, and start enjoying the rewards today!
