MyFinCards
Titanium Smart Traveler Credit Card

Joining Fee

₹250

Annual Fee

Rs. 100 (Reversed on annual spends of Rs. 0.5 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Travel
Rewards
Fuel
Best For: Frequent travellers, International spenders, Budget-conscious travellers seeking low annual fees

Titanium Smart Traveler Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • Extra EDGE points (8 per ₹200) on international spends
  • 1% fuel surcharge waiver on transactions between ₹400-₹4000
  • Low joining fee of ₹250 (waivable)
  • Low annual fee of ₹100 (waivable on ₹50,000 annual spend)
  • Wednesday Delight offers on flights, hotels, food delivery
  • Dining delights program access
  • Nil card replacement fee

Cons

  • Airport lounge access no longer available
  • No reward points on fuel, rent, utilities, insurance
  • Foreign currency markup of 3.5%
  • Finance charges at 3.75% per month (55.55% per annum)

Hidden Catches (Transparency Policy)

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

Joining fee waiver requires ₹2,500 spend within 45 days of card setup

GST on fuel surcharge is non-refundable

Fuel surcharge on certain transactions may be levied as ₹10 + GST instead of 1% + GST

Rent and wallet load transactions excluded from fee waiver spend calculation

1% rent transaction fee on MCC 6513

Dynamic Currency Conversion markup of 1.5% + taxes for international transactions in Indian currency

Key Benefits & Features

Wednesday Delight: Up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1000 on Tira

Notable Exclusions

No EDGE REWARDS Points on fuel spendsNo EDGE REWARDS Points on balance transfer, cash withdrawal, and transactions converted to EMINo reward points for rent, utilities and insurance paymentsRent transactions (MCC 6513) and wallet load transactions (MCC 6540) not eligible for annual fee waiver spends calculationComplimentary MasterCard Airport Lounge Access not applicable for Titanium Credit Cards (effective May 1, 2013)

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

Official Terms & Conditions

About Titanium Smart Traveler Credit Card

The Axis Bank Titanium Smart Traveller Credit Card is designed to make every journey more rewarding by offering a comprehensive set of travel-focused benefits. Built for frequent travellers, this card ensures that both domestic and international spending works in your favour, with extra Axis EDGE REWARDS points earned on every transaction. Cardholders earn 8 points per ₹200 spent abroad, 4 points on hotel, holiday package, airline, train, and bus bookings within India, and 2 points on all other domestic spends, redeemable across 500+ rewards and offers. Beyond travel, the card delivers everyday value through a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India, capped at ₹400 per statement cycle. Dining enthusiasts benefit from the Axis Bank Dining Delights Programme, offering exceptional experiences at top restaurants nationwide. Every Wednesday brings additional excitement through the Wednesday Delight offer, featuring instant savings of up to 15% on flights and hotels via MakeMyTrip, discounts on Swiggy, and offers on Tira. With a modest joining fee of ₹250 and an annual fee of just ₹100 from the second year onwards, both of which can be waived based on spending milestones, this card is a smart, budget-friendly companion for those who travel regularly and seek meaningful rewards without a heavy fee burden.

Expert Review

Our Verdict

Travel-focused card with extra EDGE points abroad, fuel surcharge waiver, and dining delights.

Frequently Asked QuestionsAbout Titanium Smart Traveler Credit Card

FEESWhat is the joining fee for the Titanium Smart Traveler Credit Card?
The standard joining fee for the Titanium Smart Traveler Credit Card is ₹250 for cards set up on or after February 07, 2011. This fee is waived if you spend ₹2,500 within 45 days of card setup. For cards set up before February 07, 2011, the joining fee is Nil.
FEESWhat is the annual fee for the Titanium Smart Traveler Credit Card and how can it be waived?
The annual fee is ₹100 from the 2nd year onwards for cards set up on or after February 07, 2011. It is waived if you spend ₹50,000 in the preceding year. Note that rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for the spend calculation required to avail the annual fee waiver. Cards set up before February 07, 2011 have no annual fee.
REWARDSHow do I earn Axis EDGE REWARDS points on the Titanium Smart Traveler Credit Card?
You can earn Axis EDGE REWARDS points as follows: 8 points for every ₹200 spent while traveling abroad, 4 points for every ₹200 spent on hotels, holiday packages, airlines, train, and bus bookings in India, and 2 points for every ₹200 spent on general purchases in India. Note that no points are awarded on fuel spends, balance transfers, cash withdrawals, transactions converted to EMI, and payments for rent, utilities, or insurance.
BENEFITSWhat is the fuel surcharge waiver benefit on the Titanium Smart Traveler Credit Card?
The Titanium Smart Traveler Credit Card offers a 1% fuel surcharge waiver on all fuel transactions in India. This waiver is valid only on transactions between ₹400 and ₹4,000. The maximum benefit is up to ₹400 per statement cycle. Please note that GST charged on the fuel surcharge is non-refundable, and no reward points are earned on fuel transactions.
BENEFITSWhat are the Wednesday Delight offers available on this card?
The Wednesday Delight program offers exciting deals every Wednesday to beat the mid-week blues. Cardholders can enjoy instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on orders via Swiggy, and 10% off up to ₹1,000 on Tira. These offers are available exclusively on Wednesdays for Titanium Smart Traveler Credit Cardholders.
USAGECan I convert my purchases to EMI using this credit card?
Yes, you can convert any transaction over ₹1,500 into easy EMIs using the Titanium Smart Traveler Credit Card. You can request an EMI conversion through multiple channels including Internet Banking, the Mobile App, or by contacting Customer Service. Please note that no Axis EDGE REWARDS points are awarded on transactions that have been converted to EMI.
FEESWhat are the finance charges applicable on the Titanium Smart Traveler Credit Card?
The finance charges for the Titanium Smart Traveler Credit Card are 3.75% per month, which amounts to 55.55% per annum. These charges apply on retail purchases and cash transactions. It is advisable to pay your full outstanding balance by the due date each month to avoid these high interest charges.
INTERNATIONALWhat is the foreign currency transaction fee on this card?
The Titanium Smart Traveler Credit Card charges a foreign currency transaction fee of 3.50% of the transaction value for international spends. Additionally, a Dynamic Currency Conversion markup of 1.5% plus taxes applies for international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants registered in a foreign nation.
BENEFITSIs airport lounge access available with the Titanium Smart Traveler Credit Card?
No, airport lounge access is no longer available with the Titanium Smart Traveler Credit Card. With effect from May 1, 2013, the complimentary MasterCard Airport Lounge Access programme was discontinued for Titanium Credit Cards. Cardholders looking for lounge access benefits may want to consider other Axis Bank credit cards that include this feature.
FEESWhat are the late payment charges on the Titanium Smart Traveler Credit Card?
Late payment fees vary based on the total payment due: Nil if the total amount due is less than ₹500; ₹500 if the due amount is between ₹501 and ₹5,000; ₹750 if between ₹5,001 and ₹10,000; and ₹1,200 if greater than ₹10,000. An additional charge of ₹100 applies for missing the Minimum Amount Due (MAD) for two consecutive cycles, continuing until the MAD is cleared.
FEESWhat is the card replacement fee for the Titanium Smart Traveler Credit Card?
There is no card replacement fee for the Titanium Smart Traveler Credit Card in case of a lost, stolen, or re-issued card within India — the replacement fee is Nil. However, if you need an emergency card replacement while overseas through VISA, charges will apply as per VISA Global Customer Assistance Services (GCAS) rates.
BENEFITSWhat dining benefits does the Titanium Smart Traveler Credit Card offer?
The Titanium Smart Traveler Credit Card provides access to the Axis Bank Dining Delights Program, which offers exceptional dining experiences at top restaurants across India. Cardholders can enjoy exclusive discounts and privileges at partner restaurants. For a complete list of participating restaurants and the full terms and conditions, you can visit the Axis Bank Dining Delights program page.
REWARDSAre there any categories where I will NOT earn reward points on this card?
Yes, Axis EDGE REWARDS points are not awarded on several transaction types: fuel spends, balance transfers, cash withdrawals, transactions converted to EMI, rent payments (MCC 6513), utility bill payments, and insurance payments. It is important to keep these exclusions in mind when planning your spending to maximize your rewards earnings on the Titanium Smart Traveler Credit Card.
APPLICATIONHow can I apply for the Titanium Smart Traveler Credit Card?
You can apply for the Titanium Smart Traveler Credit Card online by clicking the 'Apply Now' button on the official Axis Bank credit card page. You may also visit the nearest Axis Bank branch to apply in person. For any queries regarding the application process, you can contact Axis Bank Customer Care at 1800 209 5577 or 1800 103 5577 (toll-free).
OTHERWhat network does the Titanium Smart Traveler Credit Card operate on?
The Titanium Smart Traveler Credit Card operates on the VISA network, which ensures wide acceptance both in India and internationally at millions of merchants worldwide. Being a VISA card, it also provides access to VISA Global Customer Assistance Services (GCAS) for emergency services like card replacement when you are traveling abroad.

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