Axis Bank AURA Credit Card

Axis Bank · Closed to new applicants

A health-and-wellness card, closed to new applicants: 2 EDGE Reward points per ₹200 (5X on insurance), a ₹750 Decathlon welcome gift card, four Practo video doctor consultations and four Fitternity fitness sessions a month, and a ₹250 fuel surcharge waiver. ₹749 joining and annual fee with no spend-based waiver.

Annual fee
₹749 + GST a year
Joining fee
₹749 + GST
Base rate
2 EDGE Reward points per ₹200: 2 EDGE Reward points per ₹200 (about 0.2% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • 5X points on insurance spends, on transactions up to ₹10,000: 10 EDGE Reward points per ₹200 (about 1% at cash value)

Earns nothing on

  • No points on utilities and telecom, education, government, wallet, rent, fuel, gift cards or EMI conversions
  • No points on bridge, road and toll fees

Terms the calculator does not value

  • The health benefits (Practo consultations, Fitternity sessions, health check-up discount) are the card's main draw but are not valued by the calculator, and the benefits stop when the card is closed, converted or in default. The calculator values the card at a ₹749 fee against about 0.2% of spend in points plus the ₹750 welcome gift card.
  • The insurance 5X rate (10 points per ₹200) is our reading of "5X", and what a transaction above ₹10,000 earns is not stated. The calculator applies the ₹10,000 cap per transaction to the insurance line, which it takes as one premium a month, and gives the rest the base rate.
  • The network is not stated (entered as unknown). The ₹0.20-per-point value is inferred from the MITC.

Sources

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