Axis Bank Credit Card Reward Points: Earn, Redeem & Value Guide

Key Takeaways
 

• Axis Bank credit card reward points are earned on almost every purchase and can be redeemed for travel, shopping, or lifestyle benefits.
   
• Tracking monthly spending helps you maximise your Axis bank Credit Card reward points and unlock better redemption options.
   
• Using the right strategy, cardholders can make the most of their Axis Bank credit card reward points efficiently.

Axis Bank Credit Reward Card Points let you earn rewards on almost every purchase you make. These points can be redeemed for travel, shopping, or lifestyle benefits.

For example, Priya uses her Axis Bank credit card for groceries worth ₹8,500, fuel bills of ₹3,200, and online shopping of ₹12,000 each month. Every month, she accumulates around 650 reward points, which she later redeems for flight bookings and gift vouchers. By tracking her spending, she ensures she earns the maximum rewards without extra effort.

This blog explains how Axis Bank credit card reward points work and shares tips to help cardholders like Priya make the most of their points.

Top Axis Bank Credit Card for Reward Points

Axis Bank offers a variety of credit cards designed to help you earn maximum reward points, whether you are a high spender, a frequent traveller, or someone who shops regularly. Here are the top Axis Bank credit cards for reward points:
 

Choosing the right Axis Bank credit card depends on your spending habits. 

Types of Axis Bank Credit Card Reward Programme

Axis Bank credit cards offer a variety of reward programmes designed to suit different spending habits. You can earn points, cashback, or partner-specific rewards depending on your card type. Here’s a breakdown of the main types:

1. EDGE Reward Points

• Programme: This is Axis Bank’s credit card central loyalty programme.
• How it works: You earn points on most purchases, which can be redeemed for products, gift vouchers, or partner miles.
• Acceleration: Some cards give extra points for specific spends. For example, the REWARDS Credit Card gives 10X points at departmental and apparel stores, while the Select Credit Card earns 10 EDGE points on retail shopping.
• Redemption: Points can be converted into cashback, products, or airline miles through the EDGE Rewards programme.

2. Cashback Programmes

• Programme: These Axis Bank credit cards give direct cashback on spending.
• How it works: A portion of your spend is credited back to your account as cash.
• Category-specific examples:
   
  • Flipkart Axis Bank Credit Card: Higher cashback on Flipkart and Myntra purchases.
  • ACE Credit Card: Up to 5% cashback on utility bills and Google Pay spends.
  • IndianOil Axis Bank Credit Card: Up to 4% cashback on fuel at IndianOil outlets.

3. Partner-Specific Programmes

• Programme: These cards focus on rewards tied to specific partners like airlines or retailers.
• How it works: You earn miles or partner-specific rewards instead of standard points.
• Examples: Miles & More Axis Bank Credit Cards earn award miles for flights, and the Vistara Credit Card provides benefits through the airline partnership.

4. Tiered and Lifestyle Programmes

• Programme: Some Axis Bank credit cards offer tiered rewards based on annual spending or lifestyle.
• How it works: Higher spending unlocks faster earning rates and extra benefits.
• Examples: The Atlas Credit Card upgrades tiers based on spend, and the Magnus Credit Card (including its Burgundy variant) offers different rewards depending on tier and spending.

Axis Bank credit cards provide flexible reward programmes to match different lifestyles and spending patterns, ensuring you get the most value from your everyday transactions.

How to Redeem Axis Bank Credit Card Reward Points?

Using your Axis Bank credit card is not just about spending; it’s about earning and redeeming rewards effortlessly. Here’s how you can redeem your reward points:

1. Via Net Banking or Mobile App
 

• Log in to Axis Bank Net Banking or the Axis Bank Mobile App.
• Go to the EDGE Platform and explore the rewards catalogue. You can redeem points for products, gift vouchers, or convert them into partner miles.
• For partner miles, click on Points/Miles Transfer in the Travel Edge portal and follow the instructions to convert your points.
• Minimum points required for catalogue redemption: 300 EDGE REWARD Points.

2. Via Customer Care
 

• Call Axis Bank customer care (1800 209 5577) to redeem your reward points.
• Provide your card details and choose your preferred redemption option, such as catalogue items, partner miles, or cashback adjustments.
• You can also request instant offline redemptions at select retail outlets or SMS-based redemption at participating merchants.
• For cashback using points, a minimum of 10,000 points is required to adjust against your card's outstanding balance.

With your Axis Bank credit card, you can enjoy flexible redemption options and make the most of every reward point you earn.

Axis Bank Credit Card Rewards Catalogue

Axis Bank credit cards let you earn reward points on your everyday spending, which you can redeem for exciting products, gift cards, and e-vouchers. Using your Axis Bank credit card not only makes payments easy but also helps you make the most of your rewards.

Top Rewards You Can Redeem:

(https://www.axis.bank.in/docs/default-source/default-document-library/commercial-credit-cards/rewards-catalogue-for-corporates.pdf), you can view on this PDF.

Key Notes:

• Reward points are valid for 12 months from the date they are earned.
• E-vouchers are sent via SMS, while a courier delivers physical products and gift cards.
• Certain purchases, like government services, education, utilities, and rentals, do not earn reward points.

With your Axis Bank credit card, you can enjoy seamless shopping and maximise your rewards effortlessly. Check the full rewards catalogue on the official Axis Bank website for more options.

Tips to Maximise Axis Bank Credit Card Reward Points 

Using your Axis Bank Credit Card wisely during festivals can help you earn more reward points. Here are some simple tips:

• Focus on bonus categories: Many Axis Bank Credit Cards offer higher rewards on certain spending, such as groceries, dining, or electronics. Use your card where it earns the most points.
• Combine offers: Stack your Axis Bank Credit Card rewards with merchant discounts or cashback deals to get maximum savings during festive sales.
• Shop during special deals: Keep an eye on limited-period festive offers. Using your Axis Bank Credit Card during these times can help you earn extra points.

By following these tips, you can make the most of your Axis Bank Credit Card rewards this festive season and enjoy both savings and benefits.

Conclusion

Axis Bank credit card reward points make every purchase more valuable. By using your card wisely, you can earn points on daily spending and redeem them for travel, shopping, or lifestyle rewards. 

Regularly tracking your transactions and focusing on categories that offer higher points helps you get the most from your card. With the right approach, Axis Bank credit card reward points can turn routine expenses into meaningful benefits.

Bonus Tip: Do you know? Axis Bank won the Best Talent Development at Workplace award at the ATD International Conference 2025. 

FAQs

1. How can I apply for an Axis Bank credit card?
You can apply online, through the app, or by visiting any Axis Bank branch.

2. Can I convert my large purchases into EMIs using Axis Bank credit cards?
Yes, Axis Bank allows EMI conversion on most high-value transactions, usually above ₹2,500, through Internet Banking, Mobile App, or customer care.

3. Which Axis Bank card gives maximum rewards on shopping and dining?
The Axis Bank Select Credit Card and Axis Bank REWARDS Credit Card both offer high reward rates on dining, retail, and online shopping categories.

4. How can I check my Axis Bank credit card reward points balance?
You can track your Edge Reward points on the Axis Bank Mobile App or Internet Banking dashboard under the ‘Rewards & Offers’ section.

5. What is the joining fee for Axis Bank Magnus Credit Card?
The joining fee for the Magnus Credit Card is around ₹10,000 + GST, but it comes with premium vouchers and travel privileges that offset the cost.
 

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