Axis Bank
Axis Bank Shopping Credit Card
Entry-level Visa with shopping discounts and milestone benefits
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- First-time cardholder
- Online shopper
-
What we like
- Shopping discounts and milestone vouchers
- Low ₹1 lakh waiver threshold
- EDGE Reward Points accumulation
-
Watch out for
- ₹500 non-waiver joining fee
- Standard 3.5% forex markup
- Only 1x on non-shopping spend
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹2,50,000
Forex markup
3.5%
Lounge access
Domestic only
Eligibility
₹2.50 lakh/yr · CIBIL 700+
Reward cap
Not explicitly stated
Welcome benefit
₹500 Flipkart voucher on annual spends ≥ ₹1,00,000; ₹1,500 voucher on ≥ ₹2,50,000.
Axis Bank Shopping Credit Card review: entry-level Visa with discounts on shopping portals, milestone vouchers, and fuel surcharge waiver for first-time Axis Bank cardholders.
Who is this for
- First-time cardholder
- Online shopper
What we like
- Shopping discounts and milestone vouchers
- Low ₹1 lakh waiver threshold
- EDGE Reward Points accumulation
Watch out for
- ₹500 non-waiver joining fee
- Standard 3.5% forex markup
- Only 1x on non-shopping spend
Issuer
Headquarters
Mumbai, Maharashtra
Established 1993
Website
www.axisbank.comAxis Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Renewal fee | ₹500 | Waived on annual spends ≥ ₹1,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 (max ₹500/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| SHOPPING | 2 EDGE Reward Points per ₹100 on shopping spend; 1 EDGE Reward Point per ₹100 on retail; 0.5 EDGE Reward Point per ₹1… | Not explicitly stated | Redeemable via Axis EDGE rewards portal; shopping vouchers |
| All spends | 1.00 | Not explicitly stated | 0.20 |
| DINING | 1.00 | — | 0.20 |
Benefits
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Shopping Discounts Highlight
Discounts at partner shopping portals on retail and online spend.
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Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000 (max ₹500/month).
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Milestone Vouchers
₹500 Flipkart voucher on annual spends ≥ ₹1,00,000; ₹1,500 voucher on ≥ ₹2,50,000.
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Domestic Lounge Access
1 complimentary domestic airport lounge visit per quarter.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹2,50,000
- Min. credit score
- 700+
- Score note
- Decent credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
Axis Bank Shopping Credit Card is the entry-level shopping-focused Visa. It targets online shoppers with shopping discounts and milestone vouchers.
Fees and rewards
- Joining fee: ₹500 (non-waiver)
- Annual fee: ₹500, waived on annual spends ≥ ₹1,00,000
- Rewards: 2 EDGE Reward Points per ₹100 on shopping; 1 EDGE Reward Point per ₹100 on retail
- Forex markup: 3.50%
Shopping benefits
- 2x EDGE Reward Points on shopping spend
- Discounts at partner shopping portals
- ₹500 milestone voucher on ₹1 lakh spend; ₹1,500 on ₹2.5 lakh
- 1 domestic lounge visit per quarter
- 1% fuel surcharge waiver (max ₹500/month)
Eligibility
Minimum annual income ₹2,50,000 (salaried) / ITR-based for self-employed. Decent credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the Axis Bank Shopping Credit Card apply walkthrough →
Apply for Axis Bank Shopping Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the Axis Bank Shopping Credit Card worth it?
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Does the Axis Bank Shopping Credit Card offer airport lounge access?
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