Axis Bank is a private bank, and its credit card range spans a ₹499 everyday cashback card and a ₹5,000 travel card. These are the Axis Bank cards we review, ranked by effective return.
Axis Bank cards compared
| Card | Annual fee | Effective return | Forex markup |
|---|---|---|---|
| Axis Bank Atlas Credit Card | ₹5,000 | 4.5% | 3.5% |
| Axis Bank ACE Credit Card | ₹499 | 2.2% | 3.5% |
Effective return is a realistic blended reward rate, not the accelerated headline rate that applies only to selected categories. Ranked by that figure, using a formula we publish on our methodology page.
How to read the table
The annual fee column is the sticker price. The 18% GST is charged on top of it, so a ₹5,000 card costs ₹5,900 a year in cash and a ₹499 card costs ₹589. A higher effective return only pays for itself once your spending is large enough to cover that gap — put your own numbers into the credit card reward value calculator rather than assuming the richer card wins.
Both cards carry the same 3.5% forex markup, so neither is the one to carry abroad. If cashback rather than travel points is what you want, the wider shortlist sits at best cashback credit cards.
Getting approved
Card approval turns on your bureau score far more than on your relationship with the bank, and a rejection leaves a hard enquiry behind. Check where you stand on our credit score pages first. Axis Bank’s other retail products — deposits, home loans and personal loans — are covered on the Axis Bank provider page.
Terms change without notice. Confirm the current figures with Axis Bank before you act.