Axis Bank Value+ Debit Card

debitVisastandard

Score breakdown

Data completeness: 75% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%

≈ 0.52% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.5% 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 efficiency87/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks35/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

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

Joining fee: ₹750 + 18% GST
= ₹885 total
Annual fee: ₹750 + 18% GST
= ₹885 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
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

Category	Type	Rate	Cap	Notes
groceries	cashback	5%	₹150 / monthly	5% cashback on grocery (MCC 5411) spends ≥₹2,000/transaction; capped ₹150/month; credited within 90 days.
all_spends	points	0.10%(0.5 pts @ ₹0.20)	—	Base: 1 EDGE Point per ₹200 spent on eligible retail. Point value ~₹0.20–0.25; conservative ₹0.20/pt.

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).

Grocery cashback only for MCC 5411 merchantsGrocery cashback requires min ₹2,000 per transactionGrocery cashback capped at ₹150/month; credited within 90 daysReversed/refunded transactions excludedReward points apply only to eligible retail spends; excluded categories per Axis EDGE Rewards T&CsNot available for Burgundy, Burgundy Private, Priority, NRI, Basic Savings/No-Frills account holders

What's inside

Travel privileges

Insurance - Baggage Loss/Delay
Baggage loss/delay cover up to US$500.

Welcome benefits

EDGE Rewards Welcome Bonus
₹600
₹600 worth of EDGE Rewards after 3 purchase transactions within 60 days of card issuance.
one-time.

Lifestyle

BookMyShow BOGO Movie Ticket
1 complimentary movie ticket (BOGO) every month via BookMyShow.
Cap ₹250 / monthly.
EazyDiner Dining Discount
15% off via EazyDiner up to ₹500/month (minimum bill ₹2,500).
Cap ₹500 / monthly.

Security & care

Insurance - Personal Accident Cover
Personal Accident Cover of ₹5 lakh.
Insurance - Air Accident Cover
Air Accident Cover of ₹1 crore.
Insurance - Purchase Protection
Purchase Protection cover up to ₹50,000.
Insurance - Price Protection
Price Protection cover up to ₹50,000.