CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Lifetime FreeLast updated: 9 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 EDGE Reward Points per ₹200 spent
Earn 2 EDGE Reward Points for every ₹200 spent on eligible domestic and international transactions. Additionally, earn 2 EDGE Reward Points for every ₹200 spent on eligible UPI transactions above ₹2,000. Wallet reloads, rent, and fuel are excluded from earning rewards.
Redeem for
The privileges that come bundled in, beyond the reward points.
UPI Payments: Seamlessly link your credit card to supported UPI apps (like Google Pay
PhonePe, or Kiwi) to make scan-and-pay transactions via the RuPay network
Virtual Card Experience: Receive a virtual credit card instantly upon approval, allowing you to set up your UPI PIN and start spending immediately without waiting for physical delivery
Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 (maximum waiver capped at ₹150 per statement cycle).
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free credit card with zero joining and zero annual renewal fees
Native RuPay network support allows direct linkage to UPI apps for merchant payments
Instant virtual card issuance is highly convenient for immediate use
Provides basic fuel surcharge waiver benefits usually lacking in pure virtual cards
No reward points earned on UPI transactions under ₹2,000
Extremely low base reward rate for traditional credit card swiping
Lacks any travel benefits, airport lounge access, or lifestyle perks
Incurs a reward redemption fee (₹49 to ₹99) when converting your EDGE points
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank KWIK RuPay Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Axis Bank KWIK RuPay Credit Card.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Axis Bank KWIK RuPay Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Axis Bank KWIK RuPay Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Axis Bank KWIK RuPay Credit Card earns EDGE Reward Points at a primary rate of 2 EDGE Reward Points per ₹200 spent. Specifically, Earn 2 EDGE Reward Points for every ₹200 spent on eligible domestic and international transactions. Additionally, earn 2 EDGE Reward Points for every ₹200 spent on eligible UPI transactions above ₹2,000. Wallet reloads, rent, and fuel are excluded from earning rewards.. Spends in UPI, Lifetime Free, Entry Level, Lifestyle categories provide the maximum valueback per transaction on this card.
Yes, because Axis Bank KWIK RuPay Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
Rewards earned on Axis Bank KWIK RuPay Credit Card can be redeemed for Axis EDGE Rewards Catalog (Products & E-vouchers), Flight & Hotel Bookings via Axis Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of Axis Bank KWIK RuPay Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank KWIK RuPay Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank KWIK RuPay Credit Card currently features a welcome offer: "Instant virtual credit card issuance upon approval for immediate activation and usage via the Kiwi app or other UPI apps.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free credit card with zero joining and zero annual renewal fees and Native RuPay network support allows direct linkage to UPI apps for merchant payments. However, keep in mind that No reward points earned on UPI transactions under ₹2 and 000. Overall, Axis Bank KWIK RuPay Credit Card delivers strong value if your regular spending aligns with UPI, Lifetime Free, Entry Level, Lifestyle.
Axis Bank KWIK RuPay Credit Card is focused on UPI and Lifetime Free and Entry Level and Lifestyle valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Axis Bank KWIK RuPay Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
