← Part of Axis Credit Cards in India
The Axis Bank My Wings Credit Card is positioned as a budget-friendly travel card for Indian residents in 2026, offering specific benefits for domestic travel. IT provides 1 complimentary domestic lounge access per quarter and a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹400 monthly.
| Parameter | Details |
|---|---|
| Card Type | Travel-focused lifestyle credit card |
| Target Audience | Indian travellers seeking budget travel benefits |
| Joining Fee | ₹1,200 + GST |
| Annual Fee | ₹500 + GST (from second year onwards) |
| Welcome Benefit | 2 complimentary base fare domestic flight tickets via Ezeego1 |
| Reward Points | 4 eDGE Loyalty Rewards Points for every ₹200 spent on train, hotel, bus, holiday packages, and airline bookings in India |
| Lounge Access | 1 complimentary domestic lounge access per quarter |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 to ₹4,000 (maximum ₹400 per month) |
| Cash Advance Fee | 2.5% of the cash amount (minimum ₹500) |
| Foreign Currency Transaction Fee | 3.5% of the transaction amount |
| Rent Transaction Fee | 1% (maximum ₹1,500) per rental transaction + taxes |
| Dynamic Currency Conversion Markup | 1% + taxes |
| Railway Ticket Surcharge | As prescribed by IRCTC/Indian Railways |
| IRCTC Cashback | Maximum ₹200 per calendar year on online bookings via irctc.com |
| Cashback on Car Rentals (India) | Flat ₹400 cashback via Ezeego1 using promo code “AXISCOMBO” |
| Cashback on Hotel Bookings (India, Nepal, Bhutan) | ₹1,000 cashback on minimum booking value of ₹7,000 |
| Cashback on International Hotel Bookings | ₹1,500 cashback on minimum booking value of ₹7,000 |
| Cashback on Domestic Holidays | ₹2,500 cashback on minimum spend of ₹20,000 |
| Cashback on International Holidays | ₹3,000 cashback on minimum booking value of ₹20,000 |
| Dining Benefits | Minimum 15% discount at partner restaurants via Axis Bank Dining Delights |
| EMI Conversion | Minimum transaction of ₹2,500 for EMI conversion |
| Primary Cardholder Age | 18 to 70 years |
| Add-on Cardholder Age | Above 18 years |
| Residency Status | Indian Resident / Non-Resident Indian |
While not a premium card, the My Wings Credit Card offers practical savings for frequent domestic travellers, particularly for those utilizing Ezeego1 for bookings.
My Wings Card: Benefits & Offers
The Axis Bank My Wings Credit Card offers specific travel and dining benefits, positioning IT as a budget-friendly option for Indian travelers. As of 2026, cardholders receive complimentary domestic lounge access and cashback on various travel bookings.
| Benefit Category | Offer Details | Validity/Conditions |
|---|---|---|
| Welcome Benefit | 2 complimentary base fare domestic flight tickets via Ezeego1 | Call Ezeego1 customer care at 1800 120 0408; provide 15-digit card number as promo code. |
| Airport Lounge Access | 1 complimentary domestic lounge access | Per quarter, at select airport lounges within India. |
| Hotel Bookings (Domestic) | ₹1,000 cashback on hotel bookings across India, Nepal, and Bhutan | Minimum booking value of ₹7,000. |
| Hotel Bookings (International) | ₹1,500 cashback on international hotel bookings | Minimum booking value of ₹7,000 and above. |
| Holiday Bookings (Domestic) | ₹2,500 cashback on domestic holidays | Minimum booking value of ₹20,000 and above. |
| Holiday Bookings (International) | ₹3,000 cashback on international holidays | Minimum booking value of ₹20,000 and above. |
| Car Rentals | Flat ₹400 cashback on car rentals in India | Valid on bookings via Ezeego website only; use promo code ‘AXISCOMBO’. |
| Bus Ticket Bookings | ₹100 cashback (per person) on bus ticket bookings on Ezeego1 | Use promo code ‘AXISCOMBO’; maximum 5 times a year. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver | For transactions between ₹400 and ₹4,000; maximum benefit capped at ₹400 per month. |
| Dining | Minimum 15% discount at partner restaurants in India | Via the Axis Bank Dining Delights Program. |
| IRCTC Bookings | Cashback on online railway ticket bookings via irctc.com | Maximum cashback of ₹200 per calendar year, shared across primary and add-on cards. |
| eDGE Loyalty Rewards | 4 eDGE Points for every ₹200 spent | Redeemable for shopping/travel vouchers or products from the EDGE Rewards portal. |
| EMI Conversion | Convert transactions into Equated Monthly Instalments (EMIs) | Minimum transaction amount of ₹2,500. |
| Add-on Cards | Up to 4 add-on credit cards | No joining or renewal fees for add-on cards. |
The card focuses on providing value for domestic travel and everyday dining, with specific cashback offers tied to partner platforms like Ezeego1.
My Wings Credit Card: Fees & Charges
The Axis Bank My Wings Credit Card carries a joining fee of ₹1,200 + GST, with an annual fee of ₹500 + GST from the second year. These charges are standard for a budget travel card in India as of 2026, offering a balance of benefits and affordability.
| Metric | Value (Rs.) | Notes |
|---|---|---|
| Joining Fee | 1,200 + GST | Applicable for primary cardholders upon card issuance |
| Annual Fee | 500 + GST | Applicable from the second year; may be waived based on spending (not specified for My Wings) |
| Add-on Card Fees | No joining and renewal fees | Additional cards for family members incur no extra charges |
| Cash Advance Fees | 2.5% (Min. 500) | Charged on the cash amount withdrawn from an ATM |
| Foreign Currency Transaction Fee | 3.5% | Applicable for all transactions made in foreign currency |
| Rent Transaction Fee | 1% + taxes | Maximum ₹1,500 per rental transaction |
| Dynamic Currency Conversion Markup | 1% + taxes | Applicable when paying in Indian Rupees for international transactions |
| Fuel Surcharge Waiver | 1% | Waived on transactions between ₹400 to ₹4,000, with a maximum benefit of ₹400 per month |
| Railway Ticket Surcharge | As prescribed | As prescribed by IRCTC/Indian Railways on ticket purchase or cancellation |
| Goods and Services Tax (GST) | As per government norms | Applicable on all fees, interest, and other charges |
Understanding these fees helps cardholders manage their expenses effectively, especially for travel-related transactions. Always review the latest fee schedule on the Axis Bank official website before applying.
My Wings Card: Eligibility & Documents
To apply for the Axis Bank My Wings Credit Card in 2026, applicants must be Indian residents between 18 and 70 years old. Add-on cardholders must be above 18 years of age. The bank assesses eligibility based on your credit profile and submitted documents.
Here are the key eligibility criteria and required documents for the My Wings Credit Card:
- Residency: Applicants must be Indian residents or Non-Resident Indians (NRIs).
- Primary Cardholder Age: The primary applicant’s age must be between 18 and 70 years.
- Add-on Cardholder Age: Add-on cardholders must be above 18 years of age.
- Identity Proof: Valid documents include an Aadhaar card, Passport, or PAN card.
- Address Proof: Acceptable documents are a utility bill (electricity, water, gas) or Voter ID.
- Income Proof: Applicants need to provide recent salary slips, bank statements, or Income Tax Returns (ITR).
- Credit Profile: Approval is subject to Axis Bank’s internal terms and the applicant’s credit history.
- Application Mode: Applications can be submitted online via the official Axis Bank website or by visiting a branch.
Meeting these criteria and providing the necessary documents ensures a smooth application process for the My Wings Credit Card.
My Wings Card: Rewards & Loyalty
The Axis Bank My Wings Credit Card offers specific travel-related rewards, primarily focused on domestic travel benefits in India. As of 2026, IT provides cashback on various bookings and complimentary lounge access, positioning IT as a budget-friendly travel card.
- Complimentary Flight Tickets: Cardholders receive two complimentary base fare domestic flight tickets via Ezeego1 as a welcome gift. To avail this, contact Ezeego1 customer care and provide your 15-digit My Wings Credit Card number as a promo code.
- IRCTC Cashback: Enjoy cashback on railway ticket bookings made online at www.irctc.com. The maximum cashback is capped at ₹200 per calendar year (January 1 to December 31), shared across primary and add-on cards.
- Bus Ticket Cashback: Get ₹100 cashback per person on bus ticket bookings made on Ezeego1. Use promo code “AXISCOMBO”; this offer can be availed a maximum of five times annually.
- Car Rental Cashback: A flat ₹400 cashback is available on car rentals within India when booked via Ezeego1 using the promo code “AXISCOMBO”.
- Hotel Booking Cashback: Receive ₹1,000 cashback on hotel bookings across India, Nepal, and Bhutan for a minimum booking value of ₹7,000. For international hotel bookings of ₹7,000 or more, a ₹1,500 cashback is provided.
- Holiday Package Cashback: Secure ₹2,500 cashback on domestic holiday bookings with a minimum spend of ₹20,000. International holiday bookings of ₹20,000 or more yield a ₹3,000 cashback.
- Domestic Lounge Access: The card offers one complimentary access per quarter to select airport lounges within India, travel comfort.
- Dining Delights Program: Cardholders can enjoy exceptional dining experiences at partner restaurants across India, with a minimum discount of 15% through the Axis Bank Dining Delights Program.
These rewards are designed for regular Indian travelers seeking savings on various travel segments, rather than premium international benefits.
My Wings vs Other Travel Cards
The Axis Bank My Wings Credit Card is positioned as a budget-friendly travel card in 2026, offering specific benefits for domestic travel. While IT provides value for everyday Indian travelers, IT generally ranks a level below premium travel cards available in the market.
Other Axis Bank credit cards, such as the Flipkart Axis Bank Credit Card and the Titanium Smart Traveller Credit Card, cater to different spending patterns, focusing on cashback or international travel rewards respectively.
| Feature | My Wings Credit Card | Flipkart Axis Bank Credit Card | Axis Bank Titanium Smart Traveller Credit Card |
|---|---|---|---|
| Card Type | Budget Travel Card (2026) | Cashback-focused card | International Travel Rewards Card |
| Joining Fee | ₹1,200 + GST | ₹500 + GST | Not specified |
| Annual Fee | ₹500 + GST (subsequent years) | ₹500 + GST (from second year) | Not specified |
| Welcome Benefits | 2 complimentary base fare domestic flight tickets via Ezeego1; travel vouchers worth ₹10,000 | Not specified | Not specified |
| Lounge Access | 1 complimentary domestic lounge access per quarter | Not specified | Not specified |
| Reward Points/Cashback | 4 eDGE Points for every ₹200 spent on travel; ₹25 off on IRCTC (max ₹200/year); ₹400 cashback on car rentals; ₹100 cashback on bus tickets (max 5 times/year) | Cashback-focused | 8 eDGE Points for every ₹200 spent abroad; 4 eDGE Points for every ₹200 spent on domestic travel bookings |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 to ₹4,000) | Not specified | 1% (on transactions of minimum ₹400) |
| Foreign Currency Transaction Fee | 3.5% of transaction amount | Not specified | Not specified |
| Rent Transaction Fee | 1% (maximum ₹1,500) + taxes | Not specified | Not specified |
| IRCTC Surcharge | As prescribed by IRCTC/Indian Railways | Not specified | Not specified |
The My Wings card focuses on domestic travel savings and complimentary lounge access, making IT suitable for frequent local travelers. Other Axis Bank cards offer specialized benefits like higher cashback on specific platforms or d rewards for international spending.
My Wings Card: Application Process
Applying for the Axis Bank My Wings Credit Card in 2026 involves a straightforward online process, with instant eligibility checks available. Applicants must be Indian residents aged 18-70 years for a primary card, and above 18 for an add-on card (Source: Axis Bank official website).
- Online Application: Visit the official Axis Bank website and to the My Wings Credit Card section. Fill out the online application form with personal and financial details.
- Document Upload: Upload required documents such as Aadhaar card, PAN card, and recent salary slips or bank statements for income verification.
- Eligibility Check: The bank conducts an instant eligibility check based on your submitted information and credit profile.
- KYC Verification: Complete the online KYC (Know Your Customer) verification process, which may involve video KYC or an in-person visit.
- Approval and Issuance: Upon successful verification and approval, the card is dispatched to your registered address. Approval is subject to Axis Bank’s internal terms and your credit profile.
For personalized assistance, applicants can also visit an Axis Bank branch or contact a relationship manager.
RBI Regulations for Credit Cards
The Reserve Bank of India (RBI) sets full guidelines for credit card issuance and conduct in India. These regulations protect consumers and ensure fair practices by banks and NBFCs. As of 2026, key rules cover interest rates, fees, billing, and grievance redressal mechanisms.
- The RBI mandates that credit card issuers provide a Key Fact Statement (KFS) to applicants, detailing all charges, interest rates, and other terms. This ensures transparency before card activation.
- Credit card interest rates must be disclosed clearly, with the Annual Percentage Rate (APR) prominently displayed. Most banks charge 3.40% to 3.60% per month on outstanding balances, translating to an annual rate of 40.8% to 43.2% (as of 2026).
- Issuers cannot levy charges not explicitly mentioned in the KFS. This includes fees like cash advance fees (typically 2.5% of the amount, minimum ₹500) and foreign currency transaction fees (around 3.5% of the transaction value).
- The RBI requires a minimum billing cycle of 15 days for credit cards, allowing cardholders sufficient time to review statements and make payments. Banks must also provide a grace period for interest-free purchases.
- Cardholders have the right to block their card immediately upon loss or theft, and their liability for fraudulent transactions post-reporting is limited. Banks must offer 24/7 customer service for such emergencies.
- Any changes to credit card terms, including fees or interest rates, must be communicated to the cardholder at least 30 days in advance. This allows cardholders to accept the changes or close their account.
Key Takeaways
- The Axis Bank My Wings Credit Card is positioned as a budget-friendly travel card for domestic use in India.
- Its joining fee is ₹1,200 + GST, with an annual fee of ₹500 + GST from the second year.
- Eligibility requires applicants to be Indian residents, aged 18-70 years for primary cardholders.
Review the detailed terms and conditions on the official Axis Bank website before applying for the My Wings Credit Card.
Frequently Asked Questions (FAQs)
What are the key benefits of the Axis Bank My Wings Credit Card in 2026?
The Axis Bank My Wings Credit Card primarily offers travel-related benefits for domestic Indian travel in 2026. These include cashback on IRCTC bookings, complimentary domestic airport lounge access, and discounts on hotel and holiday bookings within India, Nepal, and Bhutan. The card focuses on easy local travel savings rather than international luxury travel.
What is the eligibility criteria for the Axis Bank My Wings Credit Card?
To be eligible for the Axis Bank My Wings Credit Card, applicants must be Indian residents between 18 and 70 years old. Add-on cardholders must be above 18 years of age. Specific income requirements vary by lender and are assessed during the application process.
What are the fees and charges associated with the Axis Bank My Wings Credit Card?
The Axis Bank My Wings Credit Card includes charges such as a 1% rent transaction fee (maximum ₹1,500) plus taxes per rental transaction. Dynamic currency conversion markup is 1% plus taxes. GST applies as per government norms, and railway ticket surcharges are as prescribed by IRCTC/Indian Railways.
Does the Axis Bank My Wings Credit Card offer airport lounge access?
Yes, the Axis Bank My Wings Credit Card provides complimentary access to select domestic airport lounges within India. This benefit is designed for travelers seeking convenience during their journeys within the country. You should verify the list of eligible lounges with Axis Bank.
Can I get cashback on IRCTC bookings with the Axis Bank My Wings Credit Card?
Yes, the Axis Bank My Wings Credit Card offers cashback on online ticket bookings made on www.irctc.com. The maximum cashback allowed in a calendar year (January 1 to December 31) is capped at ₹200, shared across primary and add-on cards. The cashback appears as a credit entry in your statement.
Are there any international travel benefits with the Axis Bank My Wings Credit Card?
The Axis Bank My Wings Credit Card primarily focuses on domestic Indian travel benefits. While IT offers cashback on hotel bookings in India, Nepal, and Bhutan, IT does not provide significant international hotel or foreign holiday benefits. This card is not issued on RuPay.
How can I apply for the Axis Bank My Wings Credit Card?
You can apply for the Axis Bank My Wings Credit Card online through the Axis Bank website or via partner platforms like MyMoneyMantra. The application process typically involves filling out an online form and submitting required documents such as identity proof, address proof, and income proof. Axis Bank will then assess your eligibility.
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.