CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Delight Debit Card

34
Ranked #15 of 66 in debit
debitVisaMid

Axis Bank's entertainment-and-dining-focused debit card bundling a Times Prime membership with strong Swiggy/TataCliq/BookMyShow discounts and quarterly lounge access — one of the pricier debit card options but with genuine bundled value.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value17/100 · weight 71%
≈ 0.83% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks39/100 · weight 9%

Fees

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

Joining fee
₹1,500 + 18% GST
= ₹1,770 total
Annual fee
₹999 + 18% GST
= ₹1,179 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
groceriescashback5%—5% cashback on grocery spends every month, per Axis Bank official site.

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).

No spend-based rewards or cashbackLounge, partner offers, insurance and Times Prime benefits subject to Axis Bank eligibility, spend conditions and merchant terms

Welcome offer

Complimentary Annual Times Prime Membership (worth Rs1,199) on 3 transactions within 60 days

Milestone benefits

Pros

  • Strong bundled Times Prime membership (worth Rs1,199, easily achievable via 3 transactions)
  • good dining/entertainment discounts (up to 25% off Swiggy, up to 10% off TataCliq, up to 50% off BookMyShow)
  • quarterly lounge access

Cons

  • Notable fee (Rs1,500 joining + Rs999 annual) for a debit card
  • Times Prime renewal requires meaningful Rs2L annual spend

What's inside

More benefits

  • Times Prime Annual Membership

    ₹1,199

    Complimentary Times Prime Annual Membership (worth ₹1,199) on completing 3 purchase transactions within 60 days of account opening.

    one-time.

  • Times Prime Renewal

    ₹1,199

    Renewal of Times Prime Membership on achieving ₹2 lakh annual card spends.

    yearly.

  • Swiggy Discount

    Up to 25% off (max ₹150/transaction, min order ₹400), 3 times/month using code AXIS150.

    Cap ₹150 / monthly. 3 times per month

  • Tata CLiQ Discount

    10% off (max ₹500/transaction), 2 times/month using code AXISDELIGHT.

    Cap ₹500 / monthly. 2 times per month

  • BookMyShow / INOX Movie Discount

    Up to 50% off on movie tickets (as per offer terms).

    monthly.

  • EazyDiner Dining Discount

    15% instant discount up to ₹500 on bills of ₹2,500+, once/month.

    Cap ₹500 / monthly.

  • 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.

  • Insurance - Travel (Lost/Delayed Baggage & Documents)

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

Insurance cover

text
₹NaN

Eligibility

text
Axis Bank savings/salary account holder (excl. Burgundy, Priority, NRI, no-frills, basic savings)

Small print

Fuel surcharge:Not a highlighted benefit