MyFinCards
Axis Bank Signature Credit Card with Lifestyle Benefits

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Lifestyle
Rewards
Travel
Best For: Frequent travelers seeking lounge access, Movie enthusiasts, Fine dining lovers, High-income lifestyle spenders

Axis Bank Signature Credit Card with Lifestyle Benefits

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.2

Pros

  • Comprehensive insurance cover worth ₹2.25 Crores
  • Priority Pass membership for 600+ VIP lounges worldwide
  • Complimentary VISA lounge access 2 times per quarter
  • Complimentary movie tickets via BookMyShow monthly
  • 50% discount on movie tickets
  • Up to 15% dining discount at fine dining restaurants
  • 1% fuel surcharge waiver on eligible transactions
  • Zero reward redemption fee
  • No mobile alert or hotlisting charges
  • Total benefits worth over ₹33,000 per year

Cons

  • Lounge access through Priority Pass attracts additional charges payable by customer
  • No reward points earned on fuel transactions
  • Foreign currency markup at 3.5%
  • Dynamic Currency Conversion markup of 1.5% on international Indian currency transactions
  • Rent surcharge of 1% applicable
  • Multiple category-specific transaction fees (wallet, fuel, utility, gaming, education)

Hidden Catches (Transparency Policy)

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

Priority Pass lounge visits attract charges payable by customer

Fuel surcharge waiver only on transactions between ₹400 and ₹4,000; GST on surcharge non-refundable

BookMyShow movie ticket benefit subject to availability on first come first serve basis

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

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

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

DCC markup of 1.5% on Indian currency international transactions effective 20-12-24

Rent surcharge of 1% effective 20-12-24

Key Benefits & Features

Detailed benefits inside

Eligibility Criteria

Min. Annual Income

₹9.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

ADDRESS Proof

Passport
Ration Card
Electricity Bill
Landline Telephone Bill

INCOME Proof

Latest Payslip
Form 16
IT Return Copy

Notable Exclusions

No reward points earned on fuel transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Axis Bank Signature Credit Card with Lifestyle Benefits

The Axis Bank Signature Credit Card with Lifestyle Benefits is a premium VISA credit card designed for high-income individuals who value travel, entertainment, and fine dining. Eligible applicants must be Indian residents between 18 and 70 years of age with a net annual income of at least ₹9,00,000, and all Axis Bank Wealth clients qualify automatically through their relationship manager. The card delivers a compelling lifestyle package with total estimated annual benefits exceeding ₹33,000. Cardholders enjoy complimentary Priority Pass membership providing access to over 600 VIP airport lounges worldwide, plus complimentary VISA lounge access twice per calendar quarter. Movie lovers benefit from a 50% discount on movie tickets and complimentary tickets through BookMyShow, while food enthusiasts can enjoy up to 15% off at select fine dining restaurants. Additional perks include a 1% fuel surcharge waiver on eligible monthly fuel spends and comprehensive insurance coverage worth ₹2.25 crore. On the rewards front, cardholders earn Axis EDGE Loyalty Rewards Points on both domestic and international spending, with the potential to accumulate up to 1,800 EDGE points annually from qualifying spend categories. A Dynamic Currency Conversion markup fee of 1.5% plus taxes applies to international transactions conducted in Indian currency, making it important for frequent travelers to transact in local currencies abroad.

Expert Review

Our Verdict

Premium lifestyle card with lounge access, movie perks, dining discounts & comprehensive insurance worth ₹2.25 Cr.

Frequently Asked QuestionsAbout Axis Bank Signature Credit Card with Lifestyle Benefits

ELIGIBILITYWhat are the eligibility criteria for the Axis Bank Signature Credit Card with Lifestyle Benefits?
To apply for the Axis Bank Signature Credit Card with Lifestyle Benefits, the primary cardholder must be between 18 and 70 years of age, a resident of India, and have a net annual income of ₹9,00,000 or more. Add-on cardholders must be at least 18 years old. All Axis Bank Wealth clients are also eligible for this card — they can contact their wealth relationship manager for further details. These criteria are indicative, and the bank reserves the right to approve or decline any application.
DOCUMENTSWhat documents are required to apply for the Axis Bank Signature Credit Card?
The following documents are required: a PAN Card photocopy or Form 60, colour photographs, latest payslip/Form 16/IT return copy as proof of income, and one of the following as residence proof — Passport, Ration Card, Electricity Bill, or Landline Telephone Bill. This list is indicative and documents required may vary on a case-to-case basis.
FEESWhat are the joining and annual fees for the Axis Bank Signature Credit Card?
The Axis Bank Signature Credit Card with Lifestyle Benefits currently does not have a publicly listed standard joining fee or annual fee as per available card data. However, it is advisable to check with Axis Bank directly or visit the official website for the most up-to-date fee structure, as charges may apply or be subject to change based on eligibility or offer terms.
INTERNATIONALWhat is the foreign currency markup fee on the Axis Bank Signature Credit Card?
The Axis Bank Signature Credit Card charges a foreign currency markup fee of 3.5% on international transactions. Additionally, a Dynamic Currency Conversion (DCC) markup fee of 1.5% plus applicable taxes is charged on international transactions performed in Indian currency at international locations, or on transactions in Indian currency with merchants located in India but registered in a foreign nation. This revision is effective from 20th December 2024.
BENEFITSWhat lounge access benefits does the Axis Bank Signature Credit Card offer?
The Axis Bank Signature Credit Card offers complimentary Priority Pass membership (worth $99) providing access to 600+ VIP lounges worldwide. Additionally, cardholders get complimentary VISA lounge access 2 times per calendar quarter at selected affiliated lounges. Please note that access to lounges through Priority Pass attracts additional charges payable by the customer. Priority Pass membership will be renewed from the 2nd year onwards only on customer request.
BENEFITSWhat movie benefits are available with the Axis Bank Signature Credit Card?
Cardholders enjoy two movie-related benefits: complimentary movie tickets through BookMyShow every month (based on 2 tickets worth ₹250 each per month, on a first-come, first-served basis subject to availability), and a 50% discount on movie tickets with a maximum cashback of ₹2,000 per calendar year. The 50% discount is based on booking 4 tickets worth ₹250 each on a quarterly basis.
REWARDSHow does the reward points system work on the Axis Bank Signature Credit Card?
The Axis Bank Signature Credit Card earns Axis EDGE REWARDS Points on eligible spends. Each EDGE REWARDS point has a redemption value of ₹0.20. There is zero reward redemption fee charged. Cardholders can earn up to 1,800 EDGE LOYALTY REWARDS Points and save up to ₹6,000 in a calendar year. Note that no reward points are earned on fuel transactions. Estimated points include 4,968 points on domestic spends and 1,104 points on international spends annually.
BENEFITSWhat dining benefits does the Axis Bank Signature Credit Card provide?
The Axis Bank Signature Credit Card offers up to 15% discount at selected fine dining restaurants through VISA Fine Dining offers. Based on visiting a VISA Fine Dining Restaurant at least once every quarter with spends of approximately ₹12,000 annually on dining, cardholders can save up to ₹1,800 per year. For details on the Fine Dining offers from VISA, visit www.axisbank.com/atozoffers.
BENEFITSIs there a fuel surcharge waiver on the Axis Bank Signature Credit Card?
Yes, the Axis Bank Signature Credit Card offers a 1% fuel surcharge waiver on eligible fuel transactions. This waiver is valid on transactions between ₹400 and ₹4,000 only. Please note that GST charged on fuel surcharge is non-refundable. Additionally, no reward points are earned on fuel transactions. Based on monthly fuel spends of ₹4,000, cardholders can save up to ₹480 annually through this benefit.
BENEFITSWhat insurance coverage does the Axis Bank Signature Credit Card offer?
The Axis Bank Signature Credit Card comes with a comprehensive insurance cover worth ₹2.25 Crores. The estimated market value of this insurance benefit is approximately ₹7,000 per year. Please note that the market value of the insurance cover is subject to change. Cardholders are advised to review the full terms and conditions of the insurance coverage by contacting Axis Bank directly for detailed policy information.
REWARDSWhat is the total estimated annual benefit value of the Axis Bank Signature Credit Card?
The total benefits on the Axis Bank Signature Credit Card with Lifestyle Benefits are worth more than ₹33,000 per year. This includes savings of over ₹21,820 and EDGE REWARDS Points worth ₹6,072, combining benefits like Priority Pass membership (₹5,940), VISA lounge access (₹1,600), movie ticket discounts (₹5,000), dining discounts (₹1,800), fuel surcharge waiver (₹480), and insurance cover (₹7,000). This value chart is for illustrative purposes only.
FEESAre there any transaction-specific charges or surcharges on the Axis Bank Signature Credit Card?
Yes, the Axis Bank Signature Credit Card has several transaction-specific charges. A rent surcharge of 1% is applicable on rent transactions (identified through Merchant Category Code 6513), effective from 20th December 2024. There are also category-specific fees on wallet loads, fuel, utility payments, gaming, and education transactions. No mobile alert or hotlisting charges are applied. Customers should review the detailed fees and charges document on the Axis Bank website for complete information.
APPLICATIONHow can I apply for the Axis Bank Signature Credit Card?
You can apply for the Axis Bank Signature Credit Card online through the official Axis Bank website by clicking the 'Apply Now' button on the card page. Alternatively, Axis Bank Wealth clients can contact their wealth relationship manager directly to apply. You will need to submit documents including PAN Card, proof of income (latest payslip/Form 16/IT returns), residence proof, and colour photographs. Ensure you meet the eligibility criteria of being 18–70 years old with a net annual income of ₹9,00,000.
USAGEWhat network does the Axis Bank Signature Credit Card operate on and where can it be used?
The Axis Bank Signature Credit Card operates on the VISA network, which is accepted globally at millions of merchants and ATMs worldwide. The VISA network also provides access to exclusive VISA Fine Dining restaurant discounts and complimentary VISA lounge access. The card can be used domestically and internationally, though foreign currency transactions attract a markup fee of 3.5%, and Dynamic Currency Conversion transactions in Indian currency internationally attract an additional 1.5% markup.
USAGEHow can I redeem my Axis EDGE REWARDS Points earned on the Axis Bank Signature Credit Card?
Axis EDGE REWARDS Points earned on the Axis Bank Signature Credit Card can be redeemed through the Axis Bank rewards portal. Each EDGE REWARDS point holds a redemption value of ₹0.20. A key advantage of this card is that there is zero reward redemption fee, meaning you keep the full value of your rewards. Points are earned on eligible domestic and international spends but not on fuel transactions. Contact Axis Bank customer care at 1800 209 5577 for redemption assistance.

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