Fees
Annual feeINR 1,000 + GST
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST
Fee waiverAnnual fee reversed on spending INR 50,000 in preceding year
Spend waiverSpend INR 50,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,200 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 400 + GST
Eligibility
Min income (salaried)INR 15,000/month
Min income (self-emp.)INR 2,00,000/year
Income requirementIncome Tax Return (ITR) > INR 2.5 lakh/year
Credit scoreFair to Good (690 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus5,000 EDGE Rewards Points on first spend
Bonus categoriesAll categories equally
Travel & lounge
Domestic lounge2 complimentary domestic lounge visits/year
International loungeNo international lounge access
Lounge conditionsNo spend condition
Travel insuranceINR 5 lakh travel cover
Lifestyle
Dining benefits7% discount on select dining partners; Flat INR 150 instant discount on min txn INR 500 (code AXISREWARDS), twice/month, WEF 20-Jun-2025
Fuel surcharge1% fuel surcharge waiver (capped INR 400/month)
ComplimentaryComplimentary travel insurance
Special offersMonthly bonus points on category spends
AdditionalMerchant offers on partner retailers
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Purchase protectionPurchase protection up to INR 500
Other insuranceDeath cover INR 3 lakh
Coverage detailsTravel: INR 5 lakh, Medical: INR 2.5 lakh