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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
Up to 3 EDGE Points per ₹100 spent
Earn 3 EDGE Reward Points per ₹100 spent at IKEA (in-store, app, or website). Earn 2 EDGE Reward Points per ₹100 on dining. Earn 1 EDGE Reward Point per ₹100 on other eligible regular spends.
Redeem for
The privileges that come bundled in, beyond the reward points.
Preferential EMI: Convert your IKEA store spends (minimum ₹2,500) into EMIs at a lower interest rate of 13% p.a. for up to 24 months
Instant Redemption: Exclusive SMS-based instant point redemption for your IKEA purchases (minimum transaction ₹250)
Dining Discount: Up to 15% off (maximum ₹500) on dining via EazyDiner on a minimum order value of ₹2,500 once a month
Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver of ₹400 per month).
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free card with zero joining and annual fees
Accelerated rewards (0.6% value) on IKEA purchases
Preferential 13% p.a. interest rate for converting IKEA purchases to EMI
Unique SMS-based direct redemption process at IKEA checkouts
Very low base reward rate of 0.2% on general non-IKEA spending
No complimentary airport lounge access or travel benefits
High finance charge (52.86% annually) on revolving balances
The EazyDiner dining discount requires a high minimum spend of ₹2,500 to trigger
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 IKEA Family Credit Card by Axis Bank 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.
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Everything you need to know about IKEA Family Credit Card by Axis Bank fees, reward conversion, lounge access, and application eligibility.
Yes, IKEA Family Credit Card by Axis Bank 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.
IKEA Family Credit Card by Axis Bank earns EDGE Reward Points at a primary rate of Up to 3 EDGE Points per ₹100 spent. Specifically, Earn 3 EDGE Reward Points per ₹100 spent at IKEA (in-store, app, or website). Earn 2 EDGE Reward Points per ₹100 on dining. Earn 1 EDGE Reward Point per ₹100 on other eligible regular spends.. Spends in Co-branded, Shopping, Lifetime Free, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on IKEA Family Credit Card by Axis Bank can be redeemed for Instant SMS-based redemption for IKEA purchases (1 Point = ₹0.20), Axis EDGE Rewards Catalog 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 IKEA Family Credit Card by Axis Bank. 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%.
IKEA Family Credit Card by Axis Bank is issued on the MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IKEA Family Credit Card by Axis Bank 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.
IKEA Family Credit Card by Axis Bank currently features a welcome offer: "This is a Lifetime Free credit card with no joining or annual fees.". 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 card with zero joining and annual fees and Accelerated rewards (0.6% value) on IKEA purchases. However, keep in mind that Very low base reward rate of 0.2% on general non-IKEA spending and No complimentary airport lounge access or travel benefits. Overall, IKEA Family Credit Card by Axis Bank delivers strong value if your regular spending aligns with Co-branded, Shopping, Lifetime Free, Entry Level.
IKEA Family Credit Card by Axis Bank is focused on Co-branded and Shopping and Lifetime Free and Entry Level 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, IKEA Family Credit Card by Axis Bank 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% surcharge waiver on fuel transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
