Joining Fee
₹749
Annual Fee
Rs. 749 + Taxes
Forex Markup
3.5% + GST
Add-on Card Fee
Free per supplementary card
Late Payment Charges
| Total amount due | Late fee |
|---|---|
| Total Payment Due < ₹500 | Nil |
| Total Payment Due ₹501 - ₹5,000 | ₹500 |
| Total Payment Due ₹5,001 - ₹10,000 | ₹750 |
| Total Payment Due > ₹10,000 | ₹1,200 |
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
Required Documents
IDENTITY Proof
INCOME Proof
ADDRESS Proof
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
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.
Our Verdict
Wellness-focused card with health, fitness perks, dining discounts and edge reward points for ₹749/year.
Related Lifestyle Cards
Explore other premium credit cards that offer similar benefits and rewards.
811 Dream Different Credit Card
Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal
Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application
ACE Credit Card
Detailed benefits inside
AXIS BANK VISTARA Credit Card
Wednesday Delight: instant savings up to 15% on flights & hotels via Goibibo and MakeMyTrip; 10% off on Swiggy, Amazon Fresh, and up to ₹1000 off on Tira
More from Axis Bank
Discover the full range of credit cards offered by Axis Bank to find the perfect fit for your finances.
AXIS BANK MAGNUS Credit Card
Choose a voucher worth ₹12,500
5X EDGE REWARD Points on spends via Travel EDGE
AXIS BANK PRIVILEGE Credit Card
12,500 EDGE REWARD Points redeemable against vouchers worth ₹2,500 upon levy of joining fees*
Get additional 10,000 EDGE REWARD Points on spends of ₹2.5 lakhs
AXIS BANK VISTARA Credit Card
Wednesday Delight: instant savings up to 15% on flights & hotels via Goibibo and MakeMyTrip; 10% off on Swiggy, Amazon Fresh, and up to ₹1000 off on Tira