Axis Bank KWIK RuPay Credit Card

Simple flat rewards on every spend, lifetime free

JOIN: LTF
ANNUAL: LTF
REWARDS: 0.2%
APR: 43.20% p.a.

RUPAY CREDIT Classic Plastic VIRTUAL OK

§ BENEFITS

rewards

2 EDGE Points per ₹200 on All Spends

Earn 2 EDGE Reward points per ₹200 on every transaction, no category restrictions

2 EDGE per ₹200

fuel

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400–₹4,000

1% waiver

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹1,44,000
Min monthly salary: ₹12,000
Age: 18 – 65
Min credit score: 600
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: Lifetime free
Annual fee: Lifetime free
APR (monthly): 3.60% p.m.
APR (annual): 43.20% p.a.
Late payment fee: ₹750
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹250
Other bank free / month: 0
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: ₹100
Physical statement: ₹100

§ FUEL

Surcharge waiver: 1%
Min txn: ₹400
Max txn: ₹4,000
Max waiver / cycle: ₹250
Networks: All

§ LIMITS

ATM / day: ₹40,000
POS + e-com / day: ₹1,00,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Accidental death cover: —
Permanent disability: —
Air accident: —
Travel insurance: —
Baggage: —
Lost-card liability: ₹50,000
Purchase protection: —

§ REWARDS

Programme: Axis EDGE Reward Points
Earn rate: 2 EDGE per ₹200
Point value: ₹0.2
Effective cashback: 0.20%
Min redemption: 500 pts
Expiry: 3 years from date of accrual

§ LOUNGE

Lounge access: Not available

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Axis Bank and earns no commission on applications.