MyFinCards
Axis Bank AURA Credit Card

Joining Fee

₹749

Annual Fee

Rs. 749 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Lifestyle
Rewards
Best For: Health and wellness enthusiasts, Those seeking low-cost lifestyle credit cards, Insurance spenders looking for accelerated rewards

Axis Bank AURA Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹5,000 /monthly

Points Validity

24 Months

Pros

  • Low joining and annual fee of ₹749
  • Free doctor consultations and fitness sessions monthly
  • 5X accelerated rewards on insurance spends
  • Welcome voucher worth ₹750
  • Fuel surcharge waiver up to ₹250 per statement cycle
  • Dining discounts up to 15% at partner restaurants
  • Wednesday deals on travel and food platforms

Cons

  • No lounge access benefits
  • Base reward rate is modest (2 points per ₹200)
  • Card is no longer available for new applications
  • Accelerated insurance reward capped at ₹10,000 transaction amount

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

GST on fuel surcharge is non-refundable

1% fee on rent transactions

1% fee on education payments via third-party apps

1% fee on wallet loads above ₹10,000 cumulative per statement cycle

1% fee on fuel spends above ₹50,000 cumulative per statement cycle

1% fee on utility spends above ₹25,000 cumulative per statement cycle

1% fee on online skill-based gaming spends above ₹10,000 per statement cycle

Dynamic currency conversion markup of 1.5% + taxes on applicable international transactions

Reward redemption fee applicable

Key Benefits & Features

4 free video doctor consultations per month via Practo

4 free interactive video fitness sessions per month via Fitternity + 16 recorded sessions

Annual discount up to ₹500 on health checkup

Welcome voucher: Decathlon & Amazon voucher worth ₹750 on card issuance

Min 30% discount on nutritional/diet consultation and nutritional foods

Wednesday Delight: Up to 15% off on flights & hotels via Goibibo/MakeMyTrip, 10% off on Swiggy & Amazon Fresh, 10% off up to ₹1,000 on Tira

EMV chip and PIN enabled card for secure transactions

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT Return

ADDRESS Proof

Passport
Ration Card
Driving License
Electricity Bill
Landline Telephone Bill
Official Terms & Conditions

About Axis Bank AURA Credit Card

The Axis Bank AURA Credit Card is a lifestyle-focused card designed to blend wellness, rewards, and everyday convenience into one affordable package. With a joining and annual fee of just ₹749, it offers cardholders a welcome benefit of Decathlon and Amazon vouchers worth ₹750, making it a value-driven choice from the very first use. At its core, the AURA Credit Card is built around health and wellness. Cardholders enjoy four free video doctor consultations per month via Practo, four interactive video fitness sessions per month via Fitternity, access to 16 recorded fitness sessions monthly, and an annual discount of up to ₹500 on health checkups. Additional wellness perks include a minimum 30% discount on nutritional and diet consultations from certified nutritionists, as well as discounts on nutritional foods. Beyond wellness, the card delivers meaningful everyday value through 2 eDGE reward points per ₹200 spent, accelerated 5X eDGE rewards on insurance spends, a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, and up to 15% dining discounts at partner restaurants. Wednesday Delights offer instant savings on flights, hotels, food delivery, and more. With EMV chip-and-PIN security, the AURA Credit Card is a well-rounded option for health-conscious individuals seeking practical lifestyle rewards at a low annual cost.

Expert Review

Our Verdict

Wellness-focused card with health, fitness perks, dining discounts and edge reward points for ₹749/year.

Frequently Asked QuestionsAbout Axis Bank AURA Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank AURA Credit Card?
To be eligible for the Axis Bank AURA Credit Card, the primary cardholder must be between 18 to 70 years of age. The applicant should be either a Resident of India or a Non-Resident Indian (NRI). Add-on cardholders must also be over 18 years of age. Please note that the eligibility criteria listed are indicative, and requirements may vary on a case-to-case basis.
DOCUMENTSWhat documents are required to apply for the Axis Bank AURA Credit Card?
The documents required for the Axis Bank AURA Credit Card include a PAN Card photocopy or Form 60, proof of income such as the latest payslip, Form 16, or IT Return, and residence proof such as a Passport, Ration Card, Driving License, Electricity Bill, or Landline Telephone Bill. Please note that this list is indicative and documents required may vary on a case-to-case basis.
FEESWhat is the joining fee and annual fee for the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card has a joining fee of ₹749 and an annual fee of ₹749 from the second year onwards. Add-on card joining fee and annual fee are both Nil. The card also offers a welcome voucher worth ₹750 (Decathlon and Amazon voucher), which effectively offsets the joining fee in the first year.
OTHERIs the Axis Bank AURA Credit Card still available for new applications?
No, the Axis Bank AURA Credit Card is no longer available for new applications. If you are looking for a credit card, Axis Bank offers a wide range of other credit cards that may suit your needs, such as the Axis Bank Rewards Credit Card, IndianOil Axis Bank Credit Card, or the Axis Bank My Zone Credit Card.
BENEFITSWhat welcome benefit do I get with the Axis Bank AURA Credit Card?
As a welcome benefit, new cardholders receive a Decathlon and Amazon voucher worth ₹750. The voucher can be used at any Decathlon store or for online purchases. This welcome benefit effectively balances out the joining fee of ₹749, making the first year essentially cost-neutral. Please refer to the detailed Terms and Conditions on the official Axis Bank website for more information.
BENEFITSWhat wellness and health benefits does the Axis Bank AURA Credit Card offer?
The Axis Bank AURA Credit Card offers a range of wellness benefits including 4 free video doctor consultations per month via Practo, 4 free interactive video fitness sessions per month via Fitternity (plus access to 16 recorded sessions per month), an annual discount of up to ₹500 on health checkups, and a minimum 30% discount on nutritional and diet consultations from renowned nutritionists, as well as on nutritional foods.
REWARDSHow do I earn reward points with the Axis Bank AURA Credit Card?
With the Axis Bank AURA Credit Card, you earn 2 eDGE reward points for every ₹200 spent on regular purchases. For insurance spends, you earn accelerated 5X eDGE reward points. However, the maximum transaction amount eligible for the 5X accelerated rewards on insurance spends is capped at ₹10,000 per transaction. Earned points can be redeemed via the eDGE loyalty Rewards Catalogue.
BENEFITSWhat is the fuel surcharge waiver benefit on the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card offers a 1% fuel surcharge waiver on transactions made at any fuel outlet in India. To avail this benefit, the fuel transaction amount must be between ₹400 and ₹4,000 per month. The maximum benefit per statement cycle is ₹250. Please note that GST charged on the fuel surcharge is non-refundable. A 1% fuel transaction fee applies on cumulative fuel spends of ₹50,000 or more per statement cycle.
BENEFITSWhat dining and Wednesday deals are available on the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card offers up to 15% discount at partner restaurants in India under the Dining Delights program (15% off up to ₹500, with a minimum order value of ₹2,500, valid once per card per month). Additionally, every Wednesday, cardholders enjoy instant savings of up to 15% on flights and hotels via Goibibo and MakeMyTrip, 10% off on orders via Swiggy and Amazon Fresh, and 10% off up to ₹1,000 on Tira.
USAGEHow do I access and activate the wellness benefits on the Axis Bank AURA Credit Card?
To access the wellness and lifestyle benefits of the Axis Bank AURA Credit Card, you need to log in to the dedicated portal at https://axisbankaura.poshvine.com using your registered mobile number (RMN). You will receive a secret OTP to validate and log in. Once logged in, all available benefits will be visible. You can then select the session type, session date, and session time to book doctor consultations, fitness sessions, or health checkups.
FEESWhat are the finance charges and cash withdrawal fees for the Axis Bank AURA Credit Card?
The finance or interest charges on the Axis Bank AURA Credit Card are 3.75% per month, which equals 55.55% per annum. Cash withdrawal fees are 2.5% of the withdrawn amount, with a minimum charge of ₹500. Late payment fees range from Nil (if the total payment due is less than ₹500) to ₹1,200 (if the total payment due exceeds ₹10,000). An additional ₹100 charge applies if the Minimum Amount Due is not paid for two consecutive cycles.
INTERNATIONALWhat is the foreign currency transaction fee on the Axis Bank AURA Credit Card?
The Axis Bank AURA Credit Card charges a foreign currency transaction fee (forex markup) of 3.5% of the transaction value for international purchases. Additionally, a Dynamic Currency Conversion Markup of 1.5% of the transaction amount plus applicable taxes applies to international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign nation.
FEESAre there any add-on card fees for the Axis Bank AURA Credit Card?
No, there are no fees for add-on cards on the Axis Bank AURA Credit Card. Both the add-on card joining fee and the add-on card annual fee are Nil. The add-on cardholder must be over 18 years of age. Card replacement fees for lost, stolen, or re-issued cards are also Nil, and hotlisting charges are waived as well.
FEESAre there any transaction fees on utility, education, or wallet load payments with the Axis Bank AURA Credit Card?
Yes, certain category-specific transaction fees apply. A 1% fee applies on cumulative utility spends of ₹25,000 or more per statement cycle, on cumulative wallet load spends of ₹10,000 or more per statement cycle, and on education payments made via third-party apps. A 1% fee also applies on online skill-based gaming transactions exceeding ₹10,000 per statement cycle. Rental transactions also attract a 1% fee per transaction. Applicable taxes apply on all these charges.
OTHERHow can I contact Axis Bank for queries or complaints related to the AURA Credit Card?
You can contact Axis Bank customer care at 1800 209 5577 or 1800 103 5577 (toll-free), or at 1860 419 5555 or 1860 500 5555 (charges applicable as per service provider). You can also reach out via WhatsApp Banking by sending 'Hi' to 7036165000. For grievances, you can escalate through the bank's three-level complaint redressal process, ending with the Principal Nodal Officer at PNO@axis.bank.in. You can also use the Axis Bank Branch Locator to visit the nearest branch.

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