Kwik Axis Bank Credit Card

Axis Bank · Closed to new applicants

Lifetime-free virtual RuPay card for credit on UPI, issued through the Kiwi app: 2 EDGE Reward points per ₹200 on domestic and international spends (nothing on UPI payments under ₹2,000), and a ₹150 fuel surcharge waiver. No longer shown to new applicants.

Annual fee
Lifetime free
Joining fee
None
Base rate
2 EDGE Reward points per ₹200 on domestic and international spends: 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

Earns nothing on

  • No points on wallet loads, fuel, rent, cash withdrawals, insurance, repayments, jewellery, education, government and EMI
  • No points on gift cards and bridge, road and toll fees

Where the sources disagree

  • monthly interest rate: The product page's fee table prints "3.7% per month (55.55% per annum)"; the MITC says 3.75% a month (55.55% a year). We use 3.75%.

Terms the calculator does not value

  • Kiwi's own offers (the 2023 release mentions 1% cashback on scan and pay powered by Kiwi, and Kiwi tokens on repayment) are run by Kiwi, are not in Axis's current terms and are not entered.
  • Kwik's own reward terms PDF was not found, so the exclusion list is the one on the product page.

Sources

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