Axis Aura Credit Card

About Axis Aura Credit Card

Are you looking for a credit card that pays for itself the moment you open the envelope? The Axis Aura Credit Card is designed for those who want immediate value without navigating a maze of complex terms. If you are tired of paying high joining fees and getting nothing in return, this card offers a refreshing change by giving you back your entire joining fee in the form of shopping vouchers.

This card offers a straightforward reward system where every spend contributes to your savings. It is a solid choice for young professionals or first-time cardholders earning at least ₹16,999 per month who want to build their credit history while enjoying tangible perks. Unlike many entry-level cards that offer vague "reward points," the Axis Aura gives you clear, upfront value through popular brands like Amazon and Decathlon.

What makes this card stand out:

• Instant Value: Get a ₹750 voucher on activation, which effectively negates the joining fee of ₹749.
• Low Entry Barrier: Accessible to individuals with a minimum annual income of just ₹2,00,000.
• Flexible Rewards: Earn EDGE Reward points on almost every purchase, which you can use for a variety of products and vouchers.

Quick check: To qualify for this card, you should be between 18-70 years old and have a CRIF score of 750 or higher to ensure a smooth approval process. If you spend at least ₹100 within the first 30 days, that welcome voucher is yours.

Let's dive into the details of how the Axis Aura Credit Card can fit into your financial lifestyle:

Key Benefits and Features of Axis Aura Credit Card

The Axis Aura Credit Card focuses on providing value through a mix of welcome gifts and consistent reward points. Here is a breakdown of what you get when you carry this card in your wallet:

Welcome Bonus and Activation Perks

The standout feature of the Axis Aura is its welcome benefit. Most cards charge a joining fee and offer nothing but "membership" in return. With this card, when you pay the joining fee of ₹749, the bank rewards you with an Amazon or Decathlon voucher worth ₹750. To access this, you simply need to make a minimum transaction of ₹100 within the first 30 days of receiving your card. This means you are essentially getting the card for free, plus a ₹1 profit right at the start.

Reward Points Structure

Every time you use your Axis Aura Credit Card, you earn EDGE Reward points. The math is simple: you earn 2 EDGE Reward points for every ₹200 you spend. These points are not just numbers on a screen; you can use them to shop from the Axis EDGE Rewards catalogue, which features everything from electronics to lifestyle products and gift vouchers. This reward system encourages you to use your card for daily expenses like groceries, dining, and shopping to accumulate points faster.

Eligibility and Income Requirements

This card is highly accessible compared to premium cards. Whether you are salaried or self-employed, the bank looks for a minimum annual income of ₹2,00,000. For salaried individuals, this translates to a monthly take-home of roughly ₹16,999. In terms of credit health, a CRIF score of 750 or higher is recommended. While the bank may consider scores as low as 720, having a 750+ score significantly improves your chances of a quick approval without extra documentation.

Fees and Annual Charges

The fee structure is transparent. You pay a joining fee of ₹749 in the first year. From the second year onwards, an annual fee of ₹749 applies. Since the first-year fee is covered by the welcome voucher, you only need to evaluate if the rewards you earn throughout the year justify the ₹749 fee from the second year. For most moderate spenders, the reward points and potential offers easily outweigh this cost.

Spending Exclusions

To maximize your rewards, you need to know where the card does NOT earn points. You will not earn EDGE points on the following types of transactions:

• Fuel purchases at gas stations.
• Transactions converted into EMIs.
• Loading money into digital wallets.
• Buying jewelry.
• Cash withdrawals (Cash Advances).
• Paying off outstanding balances or card fees.

How to Apply for the Axis Aura Credit Card

The application process is straightforward and can be completed mostly online. Follow these steps to get started:

1. Check Your Eligibility: Before applying, ensure you meet the age criteria of 18-70 years and have a minimum annual income of ₹2,00,000.
2. Visit the Official Link: Go to the Axis Bank credit card application portal or use the secure application link provided by your financial advisor.
3. Fill in Personal Details: Enter your mobile number, PAN card details, and pin code. The system will often do a quick check to see if you have a pre-approved offer.
4. Provide Employment Info: Mention whether you are salaried or self-employed. If you are salaried, you will need to provide your company name and monthly income. Self-employed individuals should provide business details and ITR information.
5. Complete Video KYC: If your initial application is shortlisted, you will likely need to complete a Video KYC. Keep your original PAN card and a blank paper with a pen ready for your signature.
6. Verification and Approval: The bank will verify your documents and credit score. A CRIF score of 750+ will make this step much faster.
7. Card Dispatch: Once approved, the card is usually dispatched within 7-10 working days. Remember to make a ₹100 transaction within 30 days to get your ₹750 voucher.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and existing banking relationship. If you are an existing Axis Bank customer with a good savings account balance, you often receive a higher limit. For new customers earning the minimum required income, the starting credit limit falls between ₹30,000 and ₹60,000.

Factors that influence your limit include your total debt-to-income ratio and your CRIF score history. If you use your card responsibly and pay your bills in full for 6-12 months, you can request a credit limit increase through the Axis Mobile app. Axis Bank reviews accounts periodically and offers limit enhancements to disciplined users.

Comparison Table: Axis Aura vs. Competitors

To understand where the Axis Aura sits in the market, let's compare it with other popular entry-level and rewards cards in India.

The Axis Aura is the clear winner if you want a card that effectively costs zero in the first year due to the high-value welcome voucher. While cards like SBI SimplyClick offer better rewards for specific online partners, the Axis Aura provides a simple, all-around reward structure that is easier to manage for beginners.

Documents Required for Axis Aura Credit Card Application

You will need to submit the following documents to complete your application. Keeping these ready will speed up the process.

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Passport.
• Address Proof: Aadhaar Card, latest Utility Bills, or Rent Agreement.
• Income Proof: Last 3 months' salary slips and 6 months' bank statements showing salary credits.
• Employment Proof: Office ID card or an official employment letter.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory) and Aadhaar Card.
• Address Proof: Aadhaar Card or Property Documents.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with a detailed computation of income.
• Business Proof: GST registration certificate or Shop Act License.

Note: All documents should be clear and valid. The bank may request additional documents or a physical visit for address verification during the processing timeline.

Who Should Get This Card?

Should you get this card? Here is who benefits the most from the Axis Aura:

The "Zero-Cost" Seeker

If you are hesitant about paying for a credit card, this is for you. Since you get a ₹750 voucher for a ₹749 fee, you are essentially trying out a premium banking product for free. It is perfect if you already shop at Amazon or need new gear from Decathlon.

The Entry-Level Professional

If you have just started your career and earn around ₹20,000-₹25,000 a month, many premium cards will reject your application. The Axis Aura has a more relaxed income requirement (₹2 lakh per year), making it an excellent "starter card" to build your CIBIL score.

The Simple Spender

You might want to skip cards that require you to track "10X points on Mondays" or "5% back only on select websites." If you just want a card to swipe for groceries and utilities and earn points quietly in the background, this card fits your lifestyle perfectly.

You might want to skip this card if:

• You spend heavily on online shopping and prefer direct 5% cashback (consider the SBI Cashback card instead).
• You travel frequently and need airport lounge access, which this card does not provide.
• You are looking for high rewards on fuel, as fuel spends are excluded from points.

BankKaro Expert Review

The Axis Aura Credit Card is a solid, no-nonsense entry into the world of credit. In my experience, the biggest hurdle for new applicants is the "joining fee psychological barrier." Axis solves this brilliantly by giving you back more than you pay through the Amazon/Decathlon vouchers. It is a smart move that makes the card feel like an asset from day one.

The reward rate of 2 points per ₹200 is modest. It won't make you rich, but for an entry-level card, it is consistent. The biggest limitation is the lack of "lifestyle" perks like lounge access or movie ticket discounts. However, we have to remember that this card is targeted at accessibility and basic rewards rather than luxury.

Our verdict: Choose the Axis Aura if you want a reliable card from a top-tier bank with easy eligibility. It is a fantastic tool for building credit and getting a free shopping spree at the start. If your income is higher or your spending is very specific to one brand, you might find better value elsewhere, but for a general-purpose first card, this is a winner.

Terms and Conditions

Before you apply, please keep these specific terms in mind as per Axis Bank guidelines:

• A minimum transaction of ₹100 must be made within 30 days of card issuance to trigger the welcome voucher.
• The bank reserves the right to offer a different card variant if you do not meet the specific eligibility for the Aura variant.
• EDGE Reward points are valid for 3 years from the date of accumulation.
• Please carefully read the specific features of the card offered in your final approval letter before signing the digital agreement.
• Interest rates on outstanding balances are charged at 3.6% per month (52.86% per annum), and late payment fees apply based on the total amount due.