← Part of Axis Credit Cards in India
The Axis Bank AURA Credit Card, launched by India’s third-largest private sector bank, focuses on health and wellness benefits for 2026. IT offers free doctor consultations and fitness sessions, alongside a Decathlon voucher worth ₹750 as a welcome benefit.
| Parameter | Details |
|---|---|
| Card Type | Health and Wellness focused credit card |
| Welcome Benefit | Decathlon voucher worth ₹750 on card activation |
| Reward Points Earning | 2 eDGE points on every ₹200 spent |
| Accelerated Reward Points | 5X eDGE points on insurance spends (capped at ₹10,000 transaction amount) |
| Free Doctor Consultations | 4 free video doctor consultations per month via Practo (48 annually) |
| Dining Benefits | Up to 20% discount at partner restaurants via Dining Delights Program (up to 15% off, max ₹500, min order ₹2500, once per month) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹4,000 (maximum ₹250 per statement cycle) |
| Foreign Currency Markup Fee | 3.5% of the transacted amount |
| Security Feature | EMV certified chip and PIN enabled for fraud protection |
| EMI Conversion | Transactions above ₹2,500 can be converted to EMIs |
| Customer Support | 24×7 helpline available for queries and card blocking |
| Eligibility (Age) | Primary cardholder: 18 to 70 years; Add-on cardholder: Minimum 15 years |
| Eligibility (Residency) | Resident Indians and Non-resident Indians (NRIs) |
| Application Mode | Online and offline via Axis Bank branches |
The AURA Credit Card is designed for individuals prioritizing health, offering a blend of financial rewards and wellness services across India.
AURA Credit Card: Health & Wellness Benefits
The Axis Bank AURA Credit Card focuses on health and wellness, offering specific benefits like free doctor consultations and fitness sessions. Cardholders receive 4 free video doctor consultations and 4 interactive video fitness sessions monthly, along with discounts on health check-ups and nutritional foods.
| Benefit Category | Specific Benefit | Details |
|---|---|---|
| Consultations | Free Doctor Consultations | Enjoy 4 video doctor consultations free per month via Practo. This benefit also covers family members. |
| Consultations | Free Nutritional Consultations | Complimentary nutritional consultations are included with the card. |
| Fitness | Free Fitness Sessions | Access 4 interactive video fitness sessions free per month via Fitternity (4 live + 16 recorded sessions). |
| Health Check-ups | Discount on Annual Health Check-up | Get an annual discount of up to ₹500 on health check-ups via IndushealthPlus, available once every year. |
| Rewards | Accelerated Reward Points on Health & Wellness Spends | Earn 5X EDGE REWARDS on insurance spends, with a maximum transaction amount capped at ₹10,000. Higher reward points apply to nutritional consultations and insurance. |
| Discounts | Discounts on Medicines | Discounts are provided on the purchase of medicines. |
| Discounts | Discount on Diet Consultations and Nutritional Foods | Receive a minimum 30% discount on diet consultations and nutritional foods. |
| Welcome Benefit | Decathlon Voucher | Get a Decathlon voucher worth ₹750 as a welcome gift. This can be used at any Decathlon store or on their website. |
| Welcome Benefit | Amazon Voucher | Receive an Amazon voucher worth ₹750 as part of the welcome benefit. |
| Access | Exclusive Health and Wellness Programs | Gain access to exclusive health and wellness programs powered by specialists like Decathlon, Practo, Fitternity, IndushealthPlus, and 1MG. |
| Dining | Dining Delights Program | Enjoy up to 15% discount (up to ₹500) at partner restaurants across India, with a minimum order value of ₹2500, valid once per card per month. |
| Fuel | Fuel Surcharge Waiver | Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per statement cycle. |
These benefits are designed to support a approach to well-being, making the AURA Credit Card suitable for individuals focused on maintaining a healthy lifestyle.
AURA Card Fees & Charges 2026
The Axis Bank AURA Credit Card carries a joining fee of ₹749 and an identical annual fee of ₹749, both subject to applicable taxes. Cardholders also face a monthly finance charge of 3.4% on outstanding balances, which translates to an annual percentage rate of 49.36%.
| Metric | Value (₹) | Notes |
|---|---|---|
| Joining Fee | 749 | Plus Applicable Taxes / GST |
| Annual Fee | 749 | Plus Applicable Taxes / GST |
| Annual Fee Waiver | 0 | No annual fee waiver for the Axis Bank Aura Credit Card |
| Finance Charges (Monthly) | 3.4% | Per month, equates to an annual percentage rate of 49.36% |
| Foreign Currency Markup Fee | 3.5% | Of the transacted amount |
| Cash Advance Fees | 500 | Minimum ₹500 or 2.5% of the cash withdrawal amount, whichever is higher |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 and ₹4,000, maximum waiver of ₹250 per statement cycle |
| Online Skill-Based Gaming Fee | 1% | Plus GST on cumulative spends of ₹10,000+ on gaming platforms per statement cycle |
| ECS Credit Service Charges | 5 | Per transaction |
| ECS Debit Service Charges | 4 | Per transaction |
Understanding these charges is for managing the overall cost of the Axis Bank AURA Credit Card, especially the high finance charges on revolving credit.
AURA Credit Card Welcome Benefits
The Axis Bank AURA Credit Card offers a Decathlon voucher worth ₹750 as a welcome gift. This benefit is available upon card activation, providing immediate value to new cardholders.
- Decathlon Voucher: New cardholders receive a Decathlon voucher worth ₹750 upon activating their Axis Bank AURA Credit Card.
- Amazon Voucher: Some promotions may include an Amazon voucher of ₹750 as part of the welcome benefit, alongside the Decathlon voucher.
- Fuel Surcharge Waiver: Cardholders get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with a maximum waiver of ₹250 per statement cycle across all fuel stations in India.
- Dining Discounts: The card provides up to 15% discount at partner restaurants through the Axis Bank Dining Delights program, with specific offers like 15% off up to ₹500 on a minimum order value of ₹2,500, valid once per card per month.
These welcome benefits the initial value proposition of the Axis Bank AURA Credit Card for new users.
AURA Card Eligibility & Application
To apply for the Axis Bank AURA Credit Card in 2026, applicants must be resident Indians or Non-resident Indians aged between 18 and 70 years. A regular source of income is also a key requirement for both salaried and self-employed individuals.
- Age Criteria: The primary applicant must be between 18 and 70 years old. Add-on cardholders can be as young as 15 years.
- Residency Status: Both Resident Indians and Non-resident Indians (NRIs) are eligible to apply for the AURA Credit Card.
- Employment Type: The card is available to both salaried individuals with a consistent income and self-employed professionals.
- Credit Score: While no specific minimum CIBIL score is publicly stated, a strong credit history, typically above 750, approval chances.
- Income Stability: Applicants need to demonstrate a regular and stable source of income, which Axis Bank assesses during the application process.
- Application Process: Applications can be submitted online through the Axis Bank website or offline at any Axis Bank branch across India.
Meeting these criteria is for a successful application, with the bank assessing each profile individually.
AURA Card vs SBI Card PULSE
The Axis Bank AURA Credit Card and SBI Card PULSE both target health and wellness benefits for Indian users. While AURA offers free doctor consultations and fitness sessions, SBI Card PULSE provides a smartwatch as a welcome benefit and accelerated rewards on pharmacy spends.
| Feature | Axis Bank AURA | SBI Card PULSE |
|---|---|---|
| Card Type | Health & Wellness focused credit card | Health & Wellness focused credit card |
| Welcome Benefit | Decathlon voucher worth ₹750 (or Decathlon & Amazon voucher of INR 750) | Noise ColorFit Pulse 2 Max Smartwatch (or Noise ColorFit Pulse 4 Pro Smart Watch Worth ₹7,999), FITPASS PRO & Netmeds memberships |
| Health & Wellness Benefits | Free doctor and nutritional consultations, fitness sessions, discounts on health check-ups | Higher rewards on chemist & pharmacy spends, complimentary FITPASS Pro & Netmeds membership |
| Reward Points | 5X EDGE REWARDS on insurance spends (max transaction ₹10,000) | Accelerated rewards on pharmacy and dining spends |
| Dining Benefits | Up to 15% discount (or 20% discount) at partner restaurants with Dining Delights Program | Discounts of up to 50% on dining |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹4,000 (max waiver ₹250 per statement cycle) | 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 |
| Joining Fee | ₹749 | Check with SBI Card (as of 2026) |
| Annual Fee | ₹749 | Check with SBI Card (as of 2026) |
| Foreign Currency Markup Fee | 3.5% of the transacted amount | Check with SBI Card (as of 2026) |
The Axis Bank AURA card provides 4 free video doctor consultations monthly via Practo, while SBI Card PULSE focuses on memberships like FITPASS PRO and Netmeds for health benefits.
RBI Guidelines for Credit Cards
The Reserve Bank of India (RBI) sets full guidelines for credit card operations in India, ensuring consumer protection and fair practices. As of 2026, banks must have a minimum net worth of ₹100 crore to issue credit cards, per RBI directives.
- Card Activation: If a credit card remains unactivated for more than 30 days from its issuance date, the issuer must close the account after obtaining confirmation from the cardholder.
- Billing Transparency: RBI mandates clear and transparent billing statements, detailing all charges, interest rates, and due dates. Any changes to terms must be communicated well in advance.
- Interest Rate Disclosure: Lenders must clearly disclose the annual percentage rate (APR) and all associated charges to cardholders at the time of application and on monthly statements.
- Grievance Redressal: Banks and NBFCs must establish strong grievance redressal mechanisms, including a dedicated helpline and a clear process for resolving customer complaints within specified timelines.
- Unsolicited Cards: Issuing unsolicited credit cards or upgrading existing cards without explicit consent from the cardholder is strictly prohibited by the RBI.
These guidelines help maintain a regulated and secure environment for credit card users across India.
How to Apply for AURA Card
Applying for the Axis Bank AURA Credit Card in 2026 is a straightforward process available to eligible Resident Indians and Non-Resident Indians aged 18 to 70 years. Both salaried and self-employed individuals can apply for this card, which focuses on health and wellness benefits.
- Check Eligibility: Confirm you meet the primary cardholder age of 18-70 years and have a regular source of income. Add-on cardholders must be at least 15 years old.
- Gather Documents: Prepare necessary KYC documents such as identity proof (Aadhaar, Passport), address proof (utility bills), and income proof (salary slips, IT returns).
- Choose Application Mode: You can apply for the AURA Credit Card either online through the Axis Bank website or by visiting your nearest Axis Bank branch.
- Complete Application Form: Fill out the credit card application form accurately, providing all required personal, financial, and employment details.
- Submit Documents: Upload digital copies of your documents for online applications or submit physical copies at a branch. The bank verifies these details.
- Await Approval: Axis Bank assesses your application based on factors like your credit score and income. Upon approval, the card is dispatched to your registered address.
Key Takeaways
- The Axis Bank AURA Credit Card targets Resident Indians and NRIs aged 18-70 years, with an add-on cardholder age limit of 15 years.
- Applicants can be either salaried or self-employed, requiring a regular source of income for eligibility.
- Application is available both online via the Axis Bank portal and offline at bank branches.
For detailed eligibility criteria and to apply, visit the official Axis Bank website or your nearest branch.
Frequently Asked Questions (FAQs)
What are the key health and wellness benefits of the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card offers specific health and wellness benefits, including free doctor consultations, complimentary nutritional consultations, and discounted fitness sessions. Cardholders also receive discounts on health check-ups and access to a dedicated wellness platform via Poshvine. These benefits are designed to support a approach to well-being for card users.
What are the eligibility criteria for the Axis Bank AURA Credit Card in 2026?
To apply for the Axis Bank AURA Credit Card in 2026, applicants must be resident Indians aged between 18 and 70 years. Axis Bank assesses eligibility based on factors like CIBIL score, income stability, and existing credit utilization. A strong credit history generally improves approval chances and may lead to a higher credit limit.
Does the Axis Bank AURA Credit Card offer any dining benefits?
Yes, the Axis Bank AURA Credit Card provides dining benefits through the Axis Bank Dining Delights program. Cardholders can receive up to a 20% discount at partner restaurants across India. This benefit the card’s overall value beyond its core health and wellness offerings.
What are the fuel surcharge waiver benefits on the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel outlet in India. The maximum waiver allowed per statement cycle is ₹250. This provides a small saving for regular fuel expenses.
How do I earn EDGE REWARDS with the Axis Bank AURA Credit Card?
Cardholders earn 5X EDGE REWARDS on insurance spends with the Axis Bank AURA Credit Card, capped at a maximum transaction amount of ₹10,000. , the card offers reward points on other eligible spends, contributing to overall savings. These points can be redeemed for various options available through Axis Bank’s rewards catalogue.
What security features does the Axis Bank AURA Credit Card include?
The Axis Bank AURA Credit Card is an EMV certified chip credit card, ensuring all transactions are chip and PIN enabled for d security. This technology significantly reduces the risk of counterfeit and skimming frauds. Such features align with RBI guidelines for secure credit card usage in India.
What is the typical credit limit for the Axis Bank AURA Credit Card?
The credit limit for the Axis Bank AURA Credit Card is determined by Axis Bank at its discretion, considering factors like the applicant’s CIBIL score, income, and repayment history. There is no fixed universal limit; IT is tailored to each individual’s financial profile. A higher CIBIL score, typically above 750, often results in a more favourable credit limit.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.