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

Add-on Card Fee

Free per supplementary card

Late Payment Charges

2.5% of the outstanding amount · Minimum ₹500

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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