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Axis Bank

Axis Bank KWIK Credit Card

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Annual Fee

Free

Reward Type

Points

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual FeeFree

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Redemption Values

statement credit₹1/pt

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

This card is lifetime free, so no annual fee waiver is required.

✓ Lifetime Free Card

This card has no annual or renewal fee - ever. No spend targets needed.

🎯 Pro Tips

  • ▸EDGE reward points are not credited on fuel purchases, wallet load transactions, rental payments, cash withdrawals, insurance, repayments, jewelry, education, government services, EMI transactions, or UPI transactions below ₹2000.
  • ▸Maximize fuel surcharge waiver by ensuring fuel spends are between ₹400 and ₹4000 per transaction.
  • ▸Redeem EDGE reward points via Axis Bank Mobile App or Internet Banking for maximum value.
  • ▸Link the card to UPI apps like BHIM, Paytm, or PhonePe for seamless transactions.
  • ▸Use the card for merchant payments to earn rewards, as P2P and restricted categories do not earn points.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,000

Effective Rate

0.3%

Ranked #126 of 173 cards#126

📊 Spending Scenarios - Real-World Returns

UPI Heavy Spender (₹20k/mo)

Monthly: ₹20,000 · Annual: ₹2,40,000

1.5%
Effective Return
upi: ₹20,000/mo
Annual Rewards Value₹3,600

1.5% cashback on all offline UPI merchant spends.

🔄 Redemption Pathways - Value per Point

MethodValue
Statement CreditBEST₹1.0/pt

🏷️ Best For

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