CardIQIndia
Verified by CardIQ admin · last checked 05 Jul 2026
28
#53 of 70 in debit
Axis Bank

Axis Bank Online Rewards Visa Debit Card

debitVisastandard

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%
≈ 0.24% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: gaming, government, wallet_load, rent, education, utilities, fuel, railway, insurance. Reward score is scaled by ×(1 − 5.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks37/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints1.00%(5 pts @ ₹0.20)—10X EDGE Points on travel bookings.
electronicspoints0.50%(2.5 pts @ ₹0.20)—5X EDGE Points on electronics purchases.
food_deliverypoints0.30%(1.5 pts @ ₹0.20)—3X EDGE Points on online food delivery.
apparelpoints0.20%(1 pts @ ₹0.20)—2X EDGE Points at clothing stores.
all_spendspoints0.10%(0.5 pts @ ₹0.20)—Base: 1 EDGE Point per ₹200 spent. Point value not officially published for debit; ₹0.20/pt assumed (catalogue realization).

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

Rewards accrue only on eligible MCCsActivation purchase within 30 days required for continued EDGE Rewards eligibilityInsurance requires at least one POS transaction in previous 90 daysLounge access requires ₹5,000 eligible spend in previous 3 calendar monthsCash withdrawals, fees, taxes, charge reversals do not earn rewards

What's inside

Travel privileges

  • Insurance - Travel (Baggage & Documents)

    Travel insurance for lost/delayed baggage and travel documents up to USD 500.

Welcome benefits

  • Grab Deals Welcome Voucher

    ₹500

    ₹500 Grab Deals voucher on completing 1 purchase transaction within 30 days of card issuance.

    one-time.

Lifestyle

  • EazyDiner Dining Discount

    15% off via EazyDiner up to ₹500 on bills of ₹2,500+, once/month.

    Cap ₹500 / monthly.

Security & care

  • Insurance - Personal Accident Cover

    Personal Accident Cover of ₹5 lakh. Requires at least one POS transaction in previous 90 days.

  • Insurance - Air Accident Cover

    Air Accident Cover of ₹1 crore. Requires at least one POS transaction in previous 90 days.

  • Insurance - Purchase Protection

    Purchase Protection cover up to ₹50,000.

More benefits

  • Grab Deals Anniversary Voucher

    ₹500

    ₹500 Grab Deals voucher every card anniversary year on meeting eligible spend criteria prescribed by Axis Bank.

    yearly.