Card Benefits
Key benefits available with this card.
10X Rewards on Apparel & Department Stores
Earn 20 EDGE Reward Points for every ₹125 spent at apparel and departmental stores (capped at ₹7,000 spend per month).
Base EDGE Rewards
Earn unlimited 2 EDGE Reward Points per ₹125 spent across all other eligible retail categories.
Monthly Milestone Bonus
Get a monthly milestone benefit of 1,500 bonus EDGE Reward Points on reaching net purchases of ₹30,000 in a single statement cycle.
5,000 Points Welcome Bonus
Get 5,000 EDGE Reward Points as a Welcome benefit on spending ₹1,000 or more within 30 days of card issuance.
Domestic Lounge Access
Enjoy 8 complimentary domestic airport lounge visits per year (max 2 per quarter) on a minimum eligible spend of ₹50,000 in the previous 3 months.
Swiggy Discount Offers
Get ₹150 off on food delivery via Swiggy twice per month on orders above ₹500.
Axis Dining Delights
Get up to 15% off (capped at ₹500) at partner restaurants in India under the Dining Delights program.
Airline Miles Conversion
Convert EDGE Points to partner miles at a 10:1 ratio (or 5:1 for Air Asia, ITC, and SpiceJet) via Axis Miles Transfer.
Welcome / Free Offer
5,000 EDGE Reward Points on spending ₹1,000 or more within 30 days of card issuance.
Value up to ₹1,000
Eligibility: Spend ₹1,000 within 30 days of card issuance.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Apparel & Departmental Stores | 16.0000 points / ₹100 | Earn 20 EDGE Reward Points per ₹125 spent. Maximum accelerated reward is applicable on spends up to ₹7,000 per month (Effective return: 3.2%). |
| All Other Retail Spends | 1.6000 points / ₹100 | Earn 2 EDGE Reward Points per ₹125 spent on regular categories and on apparel spends exceeding the ₹7,000 monthly cap (Effective return: 0.32%). |
| Monthly Milestone (₹30k Spend) | 0.0000 points / ₹100 | Earn an additional 1,500 EDGE Reward Points upon reaching ₹30,000 in net retail purchases within a statement cycle. |
| Excluded Categories | 0.0000 points / ₹100 | Transactions typically excluded by Axis Bank (e.g., fuel, wallet load, EMI conversions) do not earn reward points. |
Airport Lounge Access
Domestic Airport Lounge
8 visits per year (Max 2/quarter) · Domestic
Complimentary access is permitted only if the cardholder has spent a minimum of ₹50,000 in the preceding 3 calendar months.
Current Offers & Promotions
5,000 Points Welcome Benefit
Active5,000 EDGE Points
Maximum benefit: 1000.00
Earn 5,000 EDGE Reward Points (worth up to ₹1,000) on spending ₹1,000 or more within 30 days of card issuance.
Monthly Spend Milestone
Active1,500 EDGE Points
Maximum benefit: 300.00
Receive 1,500 bonus EDGE Reward Points on reaching net purchases of ₹30,000 in a single statement cycle.
Swiggy Delivery Offer
Active₹150 Off
Maximum benefit: 300.00
Get ₹150 off on food delivery via Swiggy. Applicable twice per month on orders above ₹500.
Renewal Benefit
Active₹1,000 Value
Maximum benefit: 1000.00
Cardholders get membership benefits worth ₹1,000 every year upon card renewal.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹25,000 / month
₹360,000 / year ITR
736+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Salaried Income: ₹25,000/monthly. Self-Employed: ITR > ₹3.6 Lakhs/annum. Credit Score: 736+. New-to-credit applicants are not allowed.
Income: Salaried: ₹25,000 per month. Self-employed: Annual ITR > ₹3,60,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 736+ required.
Documents Needed
Fees & Charges
₹1,000
₹1,000 + GST
Pros
• High 10X reward rate (3.2% return) on apparel and departmental stores
• Excellent welcome bonus of 5,000 points covers the first-year fee
• Monthly milestone bonus of 1,500 points on ₹30,000 spends
• 8 complimentary domestic airport lounge visits per year
• Dedicated Swiggy discounts (₹150 off twice a month)
Cons
• 10X rewards are strictly capped at just ₹7,000 spend per month
• Very low base reward rate (0.32% effective return) on regular purchases
• Airport lounge access requires ₹50,000 spend in the preceding 3 months
• No stated annual fee waiver condition based on yearly spends