Synopsis- This article covers the top Axis Bank credit cards in India for 2025 based on user spending patterns and requirements – whether seeking cashback, lifestyle benefits, travel perks, or fuel savings. Spending patterns and use cases are referenced and explored, as well as the recommended picks. Each credit card is evaluated based on the value and variety of rewards, lounge access, investment and fees, and suggested usage with some credit card usage per category depicted.
Axis Bank has become one of the top credit card issuers in India and is still the leading force of credit cards in India. Axis Bank offers several credit cards to suit various lifestyles. Choosing a credit card is not only about cashback; it should match the benefits of the card to your spending. This article helps you navigate through Axis Bank credit cards and pick one as per your lifestyle and preference.
Credit Card Categories:
- Shopping and Cashback: It is useful for those who purchase daily and earn cashback.
- Lifestyle and Entertainment: It is useful for foodies and movie lovers.
- Travel and Premium: It is useful for frequent flyers and high-net-worth individuals who require luxury benefits.
- Fuel Savings: It helps daily commuters save on fuel expenses
- Entry Level/ Beginners: It is useful for first-time users and students. It offers cards with lower fees and simple benefits.
Top Axis Credit Cards in 2025
1. Axis Bank ACE Credit Cards:
- Cashback on every spend:
- 5% Cashback on bill payments
- 4% cashback on Swiggy, Zomato and Ola
- 1.5% cashback on all other expenses
- Lounge Access
- 4 complimentary lounge accesses in a year at domestic airports.
- Fuel Surcharges Waiver
- 1% waiver on fuel surcharges up to 500.
- Eligibility:
- Age should be between 18 to 70 years.
- The individual should be a resident of India.
- Fees and charges:
- Joining fee: Rs 499
- Annual Fee: Rs. 499
2. Flipkart Axis Bank credit card:
- Cashback with every transaction:
- 7.5% on Myntra spends.
- 5% on Flipkart and Cleartrip spends.
- 4% cashback on Cult.fit, PVR, Swiggy, Uber.
- 1% cashback on other categories.
- Fuel Surcharges Waiver
- 1% waiver on fuel surcharge up to 500.
- Dining delights
- It offers 15% up to Rs. 500 at 10,000+ partnered restaurants across India with EasyDiner.
- Eligibility:
- Age should be between 18 to 70 years.
- The individual should be a resident of India.
- Fees and Charges:
- Joining Fee: Rs. 500
- Annual Fee: Rs. 500 (Waived off on annual spending greater than 3,500,000).
3. Axis Bank Neo Credit Card:
- Flat Rs. 120 on Zomato (Minimum order value – Rs. 499)
- 5% off on utility bill payments via Paytm.
- 10% off on Blinkit up to Rs. 250 (Minimum spend of Rs. 750)
- 10% off on every ticket purchase on BoomMyShow.
- Rs. 150 off on Myntra (Minimum spend of Rs. 999)
- 15% off up to Rs. 500 at partnered restaurants (Minimum spend of Rs. 2500)- Valid once a month.
- Eligibility:
- The primary cardholder should be between 10 to 70 years old.
- The add-on holder should be over 18 years old.
- An Individual can be a Resident/ non-resident in India.
- Fees and Charges:
- Joining Fee: Rs. 200
- Annual Fee: Rs. 250 (From 2nd Year)
Also read: Swiggy HDFC Bank Credit Card Users Get 10% Extra Off on Birthdays – Do You Have One?
4. Axis Bank My Zone Credit Card:
- Movie Tickets
- 100% off on the 2nd movie ticket bought from the district app.
- SonyLIV Subscription:
- SonyLIV Annual subscription of Rs. 1499 is free if the first purchase is made in the first 30 days of issuance.
- Swiggy:
- Rs. 120 off to be redeemed on Swiggy (Minimum purchase of Rs. 500)
- A customer can use it 2 times a month.
- Lounge Access:
- One access per quarter (Minimum spend of Rs. 50,000 in the last 3 months)
- Edge Rewards:
- Earn 4 EDGE Rewards for every Rs. 200 spent.
- Reward for achieving a milestone:
- Earn 1000 EDGE REWARD points on Annual spends of Rs. 1.5 lakhs.
- Ajio
- Save up to Rs. 1000 on a Minimum amount of Rs. 2999
- Fuel Surcharge Waiver:
- 1% fuel surcharge waiver on all fuel transactions
- Get a refund on fuel surcharges up to Rs. 400 (Valid for transactions between Rs. 400 to Rs. 4000).
- Dining Delights:
- 15% off up to Rs. 500 (Minimum Order value is Rs. 2500)
- Valid once per month.
- Eligibility:
- Age should be between 18 to 70 years.
- The individual should be a resident of India.
- Fees and charges:
- Joining Fee: Rs 500
- Annual Fee: Rs 500
5. Axis Bank SELECT credit cards
- Welcome Benefits:
- Get 10000 EDGE REWARD points on first credit card transactions.
- Movie Tickets
- 100% off on the 2nd movie ticket booked via the District app.
- BigBasket offers
- Flat Rs. 500 Per Month on purchase of Rs. 2,500 on BigBasket. (Offer applicable once a month)
- Swiggy:
- Rs. 200 off on Swiggy on a Minimum order value of Rs. 1000. (Valid twice a month)
- Lounge Access:
- Get 12 complimentary International Airport Lounge Access
- 2 Complementary Domestic lounge visits per quarter (Minimum spend of Rs. 50,000 in the last 3 months)
- Golf Access
- 6 Complementary golf rounds per year.
- Fuel Surcharge Waiver:
- 1% refund on fuel surcharges up to Rs 400 per statement cycle (valid on transactions between 400 to 4000)
- Eligibility
- The primary cardholder should be 18 to 70 years of age.
- Applicant should be a resident of India.
- Net annual income should be a minimum of 6 lakhs
- Fees and charges:
- Joining Fee: Rs 3000
- Annual Fee: Rs 3000
6. Axis Bank Atlas Credit Card:
- Lounge Visits:
- 12 international lounge visits
- 18 domestic lounge visits.
- 1% fuel surcharge waiver.
- Eligibility:
- Primary cardholder between the age of 18 to 70 years.
- The add-on cardholder should be over 18 years old.
- Net annual income of 12 lakhs (for salaried) and Net annual income of 15 lakhs (for non-salaried)
- Should be a resident of India
- Fees and charges:
- Joining Fee: Rs 5000
- Annual Fee: Rs 5000
7. IndianOil Axis Bank Credit Card:
- Features and Benefits:
- 1250 EGDE REWARD points on first fuel transaction.
- 4% cashback on fuel transactions
- 1% value back on online shopping
- 1% fuel surcharge waiver.
- 10% discount on booking a movie ticket with BookMyShow.
- Eligibility:
- The primary cardholder’s age should be between 18 to 70 years.
- Add-on cardholders should be over 15 years old.
- The applicant can either be a resident or a Non-Resident Indian.
- Fees and Charges:
- Joining Fee: Rs 500
- Annual Fee: Rs 500 (from 2nd year)
Comparison Table
| Card | Cashback / Rewards | Lounge Access | Annual Fee | Best For |
|---|---|---|---|---|
| ACE Credit Card | 5% (Google Pay), 4% (apps), 1.5% elsewhere | 4 domestic/year | ₹499 (waived on ₹2L spend) | Bill payments, food, and everyday spend |
| Flipkart Axis Bank | 5% (Flipkart/Myntra), 4% (partners), 1.5% others | Removed June 2025 | ₹500 (waived on ₹2L spend) | Flipkart/Myntra shopping |
| Neo Credit Card | Brand discounts (Myntra, Paytm, Zomato) | No Lounge Access | ₹250 (waived on ₹2.5L spend) | Students, entry-level users |
| My Zone Credit Card | SonyLIV, BOGO movies, Swiggy discount | 4 domestic/year | ₹500 / Lifetime Free option | OTT + food + lifestyle |
| SELECT Credit Card | Dining, movie, BigBasket, Swiggy | Domestic lounge access | ₹3,000 (waived at ₹6L) | Families, steady monthly spend |
| Atlas Credit Card | Up to 5x EDGE Miles | 12/year (domestic + international) | ₹5,000 | Frequent flyers |
| IndianOil Axis Credit Card | Up to 4% back on fuel, 1% surcharge waiver | No Lounge Access | ₹500 (waived at ₹50K spend) | Daily commuters, fuel spenders |
Conclusion
Axis Bank has a very good, diversified portfolio of credit cards, which is tailored for all kinds of users. It adds new features, improves integration. There is no single best card; credit cards must be chosen according to the lifestyle and spending of an individual.
Written by N G Sai Rohith
The post These Are the Best Axis Bank Credit Cards in 2025 – Are You Using One of Them? appeared first on Trade Brains.