top of page
Search

A guide to some of the top Axis Bank credit cards available in India 2026.

Updated: Jan 13

Looking for the best Axis Bank credit card in 2026? From the utility-heavy Airtel Axis to the luxury Magnus, discover updated fees, rewards, and milestone benefits.


Axis Bank Credit Card Comparison
Axis Bank Credit Cards Comparison

Axis Bank has one of the most diverse credit card portfolios in India. However, entering 2026, the strategy for cardholders has shifted. With many cards undergoing "devaluation," choosing the right card now requires looking closely at spend-linked milestones and merchant-specific rewards.


Whether you are a beginner looking for your first card or a high-net-worth individual (HNI) chasing air miles, here is the updated guide to the top Axis Bank credit cards.


TOPICS:

  • Why choose Axis Bank Credit cards?

  • Basic/Entry-level Cards

  • Regular/Mid-Tier Cards

  • Niche/Premium Cards

  • Comparison of Axis Bank Credit Cards

  • Which Card should you Choose?


Why Choose Axis Bank Credit Cards?

Axis Bank has streamlined its EDGE Rewards and Miles program to be one of the most competitive in India. Before diving into the cards, here are the universal benefits of being an Axis cardholder in 2026:

  • Dining Delights: Up to 15% off at 10,000+ restaurants via the EazyDiner integration.

  • Grab Deals: An online portal that offers massive accelerated cashback (up to 10-15%) when shopping at Amazon, Flipkart, and Myntra via the Axis mobile app.

  • EDGE Rewards: A flexible loyalty program where points can be used for everything from flight bookings to catalog products. Most cards now use Spend-Linked Lounge Access (e.g., spending ₹50,000 in the previous 3 months) to ensure a premium experience for active users.

  • Widespread Acceptance: Exceptional customer service and a highly-rated mobile app for managing limits and domestic/international usage. Convert points to 20+ airline and hotel partners (including Marriott, Accor, and Air India).


Category 1: Basic / Entry-Level Cards(Lifestyle)

Best for: Students, first-time earners, and occasional shoppers.

Card Name

Joining/Annual Fee

Key Highlights

Neo

₹250

10% off on Zomato & Blinkit. Best for Gen-Z and students.

My Zone

₹500

BOGO on BookMyShow and free SonyLIV Premium.

Rewards Card

₹1,000

10X rewards on Apparel/Departmental stores; 1,500 bonus points monthly.

A simple, low-cost card focused on the essentials of modern life—food, movies, and shopping.

  • Joining/Annual Fee: ₹250 + GST (Often offered "Life Time Free" during sales).

  • Key Benefits: * 10% off on Zomato (Food delivery).

    • 10% off on Blinkit (Quick commerce).

    • 10% off on Myntra and BookMyShow.

  • Rewards: 1 EDGE point per ₹200 spent.


Axis Bank MyZone Credit Card

The go-to card for entertainment lovers.

  • Joining/Annual Fee: ₹500 + GST.

  • Key Benefits:

    • BOGO (Buy One Get One) on movies via BookMyShow (up to ₹200 off per month).

    • Complimentary SonyLIV Premium annual subscription on the first spend.

    • ₹120 off on Swiggy (twice a month) on orders above ₹500.

  • Rewards: 4 EDGE points per ₹200 spent.


Flexible card for Visa, Mastercard, Rupay

  • Joining/Annual Fee: ₹1000 + GST.

  • Key Benefits:

    • *Earn 10X EDGE Reward Points for every Rs 125 spent at apparel and departmental stores.

    • *Complimentary domestic airport lounge access per quarter.

    • Get Rs 150 off on food delivery via Swiggy twice per month on orders above Rs 500

  • Rewards: 4 EDGE points per ₹200 spent.

Apply for Axis Bank Rewards Visa Credit card👉 https://bitli.in/17aPuTY


Category 2: Regular / Mid-Tier Cards (Shopping & Daily Utility)

Best for: Salaried professionals looking for high utility and cashback.

Axis Bank Airtel Credit Card

Widely considered the best utility card in India for 2026. If you have an Airtel connection, this card pays for itself in a month.

  • Joining/Annual Fee: ₹500 + GST.

  • Key Benefits:

    • 25% Cashback on Airtel Mobile, Broadband, and DTH bills (via Airtel Thanks App).

    • 10% Cashback on Utility bills (Electricity, Gas, Water).

    • 10% Cashback on Swiggy, Zomato, and BigBasket.

  • Rewards: 1% cashback on all other spends.

 

Flipkart Axis Bank Credit Card

The staple card for e-commerce loyalists.

  • Joining/Annual Fee: ₹500 + GST.

  • Key Benefits:

    • 5% Unlimited Cashback on Flipkart and Cleartrip.

    • 4% Cashback on preferred partners (PVR, Uber, Tata Play).

    • Lounge Access: 4 complimentary domestic lounge visits per year (subject to ₹50,000 spend in the previous quarter).


Best for users who prefer "pure cashback" without the hassle of reward points.

  • Joining/Annual Fee: ₹499 + GST.

  • Key Benefits:

    • 5% Cashback on Bill payments and Mobile recharges via Google Pay.

    • 2% back at Zomato, Myntra, BigBasket, 1% back on other eligible spends

    • 4 Complimentary Lounge visits per year.

Apply for Axis Bank Ace Credit card👉https://bitli.in/vlpGEBG


Huge Savings on Samsung Products

  • Joining/Annual Fee: ₹500 + GST.

  • Key Benefits:

    • 10% Cashback on Samsung products year-round, even in sales.

    • 1.5% Flat Cashback on all other spends (highest in the segment).

    • 4 Complimentary Lounge visits per year.

Apply for Samsung Axis Credit card👉 https://bitli.in/6y4s39h


Category 3: Niche / Premium Cards(Lifestyle & Trends)

Best for: Frequent travelers, luxury seekers, and high-spenders.

Axis Bank Atlas Credit Card

The king of "Miles" in 2026 for mid-to-high spenders.

  • Joining/Annual Fee: ₹5,000 + GST.

  • Key Benefits:

    • Rewards in Edge Miles: 5 miles per ₹100 on Travel/Forex; 2 miles per ₹100 on others.

    • Tiered Benefits: Silver, Gold, and Platinum tiers based on annual spends, offering up to 10,000 bonus miles.

    • Airport Concierge: Complimentary meet-and-greet services at airports.

 

This card is designed for the versatile travelers.

  • Joining/Annual Fee: ₹3,000 + GST.

  • Key Benefits:

    • Mid-tier travelers who want a high reward rate without the complexity of Atlas.

    • Up to 5,000 EDGE Miles as a welcome gift; 5 Miles per ₹100 on Axis Travel Edge portal.

    • Enjoy Up to 15% Discount using EazyDiner

Apply for Axis Horizon Credit Card👉https://bitli.in/6T1xTvj


This is designed as a all-rounder card.

  • Joining/Annual Fee: ₹3,000 + GST. (Free for Burgundy Customers).

  • Key Benefits:

    • 10,000 EDGE points (worth ~Rs. 2,000) on first transaction within 30 days (for paid cards). Grocery shoppers (BigBasket) who also want Priority Pass lounge access and Golf rounds.

    • Buy-one-get-one (BOGO) or discounts on BookMyShow.

    • Monthly Discount from Swiggy and BigBasket

Apply for Axis Select Credit Card👉 https://inr.deals/ztvp7u


Category 4: Fuel & Co-Branded

Best for motorists and loyalists of specific brands.

  • IndianOil Axis (Standard): ₹500 fee. 4% value back on fuel at IOCL pumps. Best for two-wheelers and small cars.

  • IndianOil Axis (Premium): ₹1,000 fee. Higher rewards on fuel and 2 lounge visits per quarter.

  • Air India-Vistara Axis Cards: Currently in a transition phase. Existing cardholders enjoy benefits until March 2026, with points now migrating to the Flying Returns (Air India) program.


Category 5: Ultra-Premium / Luxury (Invite Only or HNI)

Best for high-spenders (₹20 Lakh+ annual spend) seeking the "Metal Card" experience.

Axis Bank Magnus Credit card

This card is a high-spender icon. Despite devaluations, the Magnus remains a prestige symbol for those with high annual spends (₹25 Lakh+).

  • Joining/Annual Fee: ₹12,500 + GST.

  • Key Benefits:

    • 12 EDGE Reward Points for every ₹200 spent.

    • Unlimited Domestic Lounge Access + 8 Guest visits.

    • Buy One Get One on BookMyShow (up to ₹500 off).

    • 24/7 Concierge and Luxury lifestyle health wellness benefits.


This card is a high-spender icon. Despite devaluations, the Magnus remains a prestige symbol for those with high annual spends (₹25 Lakh+).

  • Joining/Annual Fee: ₹50,000 + GST. (Handcrafted Metal)

  • Key Benefits:

    • 15,000 welcome points.

    • Unlimited international lounge access

    • complimentary memberships to ITC Culinaire, Accor Plus, and Club Marriott.

Apply for Axis Reserve Credit Card👉 https://inr.deals/ztvp7u


Comparison Table: Axis Bank Cards 2026

Card Name

Best For

Annual Fee

Top Perk

Axis Neo

Beginners

₹250

10% off Zomato/Blinkit

Airtel Axis

Utilities

₹500

25% Cashback on Airtel

Flipkart Axis

Shopping

₹500

5% Flat on Flipkart

Axis Ace

Offline Spends

₹499

1.5% Flat Cashback

Axis Atlas

Travel/Miles

₹5,000

5 Edge Miles on Travel

Axis Magnus

Luxury

₹12,500

Unlimited Lounge + Concierge

Which Axis Card Should You Choose?

  1. If you are a heavy swigger/Zomato user: Go for Airtel Axis. The 10% cashback is industry-leading.

  2. If you travel twice a year: Flipkart Axis or Ace will give you sufficient lounge access.

  3. If you want to fly for free: Axis Atlas is the most efficient miles-earner in the current 2026 market.


Quick Selection Matrix

  • "I want cashback on everything": Get Axis Ace.

  • "I spend a lot on food & bills": Get Airtel Axis.

  • "I want to travel for free via miles": Get Axis Atlas.

  • "I am a techie/Samsung loyalist": Get Samsung Axis Infinite.

  • "I want luxury and hotel perks": Get Axis Reserve.



Note: For the most accurate and up-to-date information, please refer to the official Axis Bank website or contact their customer service. The Pricing may not include GST and other charges.

Note: We share tips, not financial advice. Some links below are affiliates, meaning we might get a small commission if you sign up (at no extra cost to you!). This is for educational use only—please consult a professional before investing. This post includes affiliate links to products we recommend.


To Purchase Books and other materials on the subject-


Subscribe- didoskeletonthoughts@gmail.com for newsletters and latest updates.



Disclaimer: The information provided is for general guidance and informational purposes only and does not constitute professional financial advice. This post contains affiliate/promotional links; we may earn a commission at no extra cost to you if you apply through them. Always check the official Axis Bank website for the latest fee structures and terms.

Please be aware that this article was generated with the assistance of AI. It may contain affiliate links, meaning if you make a purchase through these links, the site may earn a small commission at no extra cost to you. The product recommendations provided are based on the information available at the time of generation and should be considered suggestions. It is crucial to conduct your own thorough research, read reviews, and compare products from various sources before making any purchasing decisions. Your individual needs and circumstances may vary, and the recommendations in this article may not be suitable for everyone. Exercise caution and make informed choices when buying products.

Affiliate Links Disclaimer: This article may contain affiliate links, through which I may earn a commission from purchases. Clicking on these links won't affect your experience or the content's integrity. Your support through these links is appreciated and helps sustain the quality of the service. Please review the terms and conditions before making purchases.

Comments

bottom of page