Everyday lifestyle credit card offering 10X EDGE REWARDS on Swiggy and Zomato and monthly spend milestones.
Food Delivery Fans, Grocery Shoppers & Young Urban Professionals
₹1,000
One-time upfront₹1,000
Waived on ₹2 lakh annual spend10X EDGE Points/₹125 Spent at Departmental and Apparel Stores. 2 EDGE Points/₹125 on All Eligible Spends.
On eligible spends2 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank REWARDS Credit Card is engineered specifically for urban millennials and young families who allocate a significant portion of their monthly budget to dining and online food ordering. Its hero proposition is 10X EDGE REWARD points (20 points per ₹125 spent) on food delivery platforms Swiggy and Zomato, providing an effective return of ~1.6% to 2% (assuming 1 EDGE REWARD = ₹0.10 to ₹0.20 on redemption catalogues and partner vouchers). Cardholders also earn 2 EDGE REWARDS per ₹125 spent on general retail purchases and receive a monthly milestone bonus of 1,500 EDGE REWARD points upon achieving net spends of ₹30,000 in a calendar month. For domestic travelers, it includes 2 complimentary domestic airport lounge visits per calendar quarter (8 per year), subject to spending ₹50,000 in the previous 3 calendar months. However, cardholders should be mindful of its constraints: the 10X accelerated rewards on Swiggy and Zomato are capped at 1,000 bonus EDGE REWARD points per statement cycle (limiting accelerated benefits to approximately ₹6,250 in monthly food orders), fuel and utility transactions earn zero accelerated points, and international swipes incur the standard 3.50% forex fee. Who should consider it: Moderate spenders who regularly order food on Swiggy or Zomato and spend ₹30,000+ monthly to reliably capture the monthly milestone bonus. Who should look elsewhere: Pure cashback seekers who prefer direct statement credit without managing reward points, or heavy international travelers.
10X EDGE Points/₹125 Spent at Departmental and Apparel Stores. 2 EDGE Points/₹125 on All Eligible Spends.
5,000 EDGE Reward Points (Worth ₹1,000) on Spending ₹1,000 or More Within the First Month of Card Issuance
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Apparel & Departmental Stores | 20 EDGE Rewards per ₹125 spent (10X rewards on apparel/dept stores, max 1,000 pts/mo) | 1,000 Reward Points/mo | Standard terms apply |
| General Retail Spends | 2 EDGE Rewards per ₹125 spent (1 ER = ₹0.20) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Apparel & Departmental Stores | ₹12,000 | 20 EDGE Rewards per ₹125 spent (10X rewards on apparel/dept stores, max 1,000 pts/mo) | — | ₹1,000/monthly | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 2 EDGE Rewards per ₹125 spent (1 ER = ₹0.20) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹1,000 + GST joining fee and ₹1,000 + GST annual renewal fee. Renewal fee is reversed on achieving ₹2,00,000 in eligible retail spends in the previous year. Welcome Benefit: 5,000 EDGE REWARD points upon spending ₹1,000 or more within 30 days of card setup. Accelerated Dining Rewards: 10X EDGE REWARD points (20 points per ₹125 spent) on Swiggy and Zomato, capped at 1,000 bonus EDGE REWARD points per statement cycle. Base Rewards: 2 EDGE REWARD points per ₹125 spent on all other eligible retail transactions. Milestone Reward: 1,500 bonus EDGE REWARD points on net eligible spends of ₹30,000 or more in a calendar month. Domestic Lounge Terms: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year), subject to spending minimum ₹50,000 on the card in the previous 3 calendar months. Dining Delights: Up to 15% discount (up to ₹500) at partner restaurants via EazyDiner twice a month on minimum bill of ₹1,500. Exclusions: Fuel, wallet reloads, rent payments, government institutions, insurance premiums, education fees, and utilities are excluded from accelerated reward accrual.
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank REWARDS Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Axis Bank portal with paperless verification.
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