Axis Bank AURA Credit Card – Benefits, Fees & Eligibility

Axis Bank AURA Credit Card

Introduction

The Axis Bank AURA Credit Card was designed for individuals with a strong focus on health and wellness, offering a unique blend of medical and fitness benefits alongside financial perks. While this credit card is no longer available for new applications, its terms and conditions are set to be updated effective June 20, 2025. Key features included a welcome voucher, complimentary doctor consultations, fitness sessions, and discounts on health check-ups and nutritional foods. Cardholders earned 2 EDGE Points for every Rs. 200 spent on most categories, with an accelerated rate of 5X EDGE Points on insurance expenditures.

Welcome Benefits

• Get a Decathlon & Amazon voucher worth INR 750 as a welcome benefit upon credit card issuance. The Decathlon voucher can be used at any Decathlon store or for online purchases.

Fees

• Joining Fee: INR 749 + GST
• Annual Fee: INR 749 + GST (from the 2nd year onwards)
• Add-on Card Joining Fee: Nil
• Add-on Card Annual Fee: Nil
• Card Replacement Fee (lost, stolen, or re-issue): Nil
• Cash Payment Fee: INR 175
• Duplicate Statement Fee: Waived
• Charge Slip Retrieval Fee or Copy Request Fee: Waived
• Outstation Cheque Fee: Waived
• Mobile Alerts for Transactions: Free
• Hotlisting Charges: Nil
• Balance Enquiry Charges: Waived
• Finance/Interest Charges: 3.75% per month (55.55% per annum)
• Cash Withdrawal Fees: 2.5% of the cash amount, with a minimum of Rs. 500
• Overdue Penalty or Late Payment Fees:
  • Nil if Total Payment Due is less than Rs. 500
  • Rs. 500 if Total Payment Due is between Rs. 501 - Rs. 5,000
  • Rs. 750 if Total Payment Due is between Rs. 5,001 - Rs. 10,000
  • Rs. 1200 if Total Payment Due is greater than Rs. 10,000
  • An additional INR 100 charge will be levied if the 'Minimum Amount Due (MAD)' is not paid for two consecutive cycles and will apply until the MAD is cleared.
• Over Limit Penalty: 2.5% of the over-limit amount, with a minimum of Rs. 500
• Cheque Return or Dishonor Fee or Auto-Debit Reversal: 2% of the payment amount, subject to a minimum of Rs. 500
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways
• Foreign Currency Transaction Fee: 3.5% of the transaction value
• G.S.T: As per existing government norms
• Reward Redemption Fee: INR 99 + GST
• Rent Transaction Fee: 1% fee per transaction, plus applicable taxes.
• Dynamic Currency Conversion Markup: 1.5% of the transaction amount + taxes (Applicable on international transactions performed in Indian currency at international locations or transactions performed in Indian currency with merchants located in India but registered in a foreign nation).
• Education Payment Charges: 1% fee per transaction will be applicable on education payments made via third-party apps.
• Wallet Load Transaction Fee: 1% fee will be applicable on cumulative spends of Rs. 10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee: 1% fee will be applicable on cumulative spends of Rs. 50,000 or more on fuel transactions per statement cycle.
• Utility Transaction Fee: 1% fee will be applicable on cumulative spends of Rs. 25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% fee will be applicable on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement cycle.

Rewards

• General Spends
  • Earn 2 EDGE Points for every INR 200 spent with the card.
• Accelerated Rewards for Insurance Spends
  • Earn 5X EDGE REWARDS (10 EDGE Points per Rs. 200) on insurance spends. The maximum transaction amount for accelerated points is capped at Rs. 10,000.
  • No EDGE Reward Points are awarded for spends on utilities, education, wallet, rent, fuel, and government institutions.
• Health & Wellness Benefits
  • Enjoy 4 free video doctor consultations per month via Practo.
  • Receive 4 interactive video fitness sessions free per month via Fitternity.
  • Get access to 16 recorded fitness sessions per month via Fitternity.
  • Avail an annual discount of up to INR 500 on health check-ups.
  • Receive a minimum 30% discount on nutritional/diet consultations from renowned nutritionists.
  • Get a minimum 30% discount on nutritional foods.
• Dining Delights
  • Indulge in delectable cuisines with Axis Bank Dining Delights, offering a 15% discount up to Rs. 500 at partner restaurants in India, on a minimum order value of Rs. 2500, valid once per card per month.
• Fuel Surcharge Waiver
  • A 1% fuel surcharge is waived off at any fuel outlet in India for transactions between INR 400 and INR 4,000 per month. The maximum benefit per statement cycle is INR 250. GST charged on the fuel surcharge is non-refundable.
• Wednesday Delight Offers
  • Enjoy instant savings of up to 15% on flights & hotels via Goibibo and MakeMyTrip every Wednesday.
  • Get 10% off on orders via Swiggy and Amazon Fresh every Wednesday.
  • Avail 10% off up to Rs. 1000 on Tira every Wednesday.
• Security Feature
  • The card is EMV certified chip and PIN enabled, reducing the possibility of counterfeit and skimming frauds.

Rewards Redemption Guide

• EDGE Points earned on the card can be redeemed for shopping/travel vouchers or purchasing products from the catalog on the Axis Bank EDGE Rewards Portal.
• To avail benefits such as complimentary doctor consultations, fitness sessions, and health check-up discounts, cardholders need to log in to https://axisbankaura.poshvine.com using their registered mobile number and a secret OTP for validation.

Card Eligibility Criteria

Eligibility Rules

• The primary cardholder should be between 18 and 70 years of age.
• The applicant should either be a Resident of India or a Non-Resident Indian.
• Add-on cardholders should be over 15 years of age.

Documents Required

• PAN Card photocopy or Form 60.
• Proof of income (latest payslip / Form 16 / IT Return).
• Residence proof (Passport / Ration Card / Driving License / Electricity Bill / Landline Telephone Bill).
  • Note: This list is indicative, and required documents may vary on a case-to-case basis.

Card Review

The Axis Bank AURA Credit Card stands out as a unique offering, particularly for health-conscious individuals and fitness enthusiasts. It provides an extensive range of medical and fitness benefits, including free doctor consultations, complimentary fitness sessions, and discounts on health check-ups, nutritional/diet consultations, and nutritional foods. While its general reward rate of 0.2% on most spends and 1% on insurance spends might not be exceptionally high compared to other rewards cards, the significant health benefits make it a valuable choice for those who frequently utilize such services. Individuals committed to their well-being can realize substantial savings through the card's wellness-focused features. Despite the card no longer being available for new applications, its comprehensive health benefits catered well to its target audience.

Important Product Details

• Welcome Benefit: Decathlon & Amazon voucher worth INR 750.
• Health & Fitness Focus: 4 free monthly video doctor consultations via Practo, 4 monthly interactive video fitness sessions, and access to 16 recorded sessions via Fitternity.
• Health Discounts: Up to INR 500 annual discount on health check-ups, minimum 30% discount on nutritionist consultations and nutritional foods.
• Reward Rate: 2 EDGE Points per Rs. 200 on general spends; 5X EDGE Points on insurance spends (capped at Rs. 10,000 transaction).
• Dining Offers: Up to 15% discount at partner restaurants through Axis Bank Dining Delights.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs. 400 and Rs. 4,000, max Rs. 250/month.
• Wednesday Delights: Specific discounts on flights, hotels, Swiggy, Amazon Fresh, and Tira.
• Annual Fees: INR 749 + GST for joining and renewal.
• High Interest Rate: 3.75% per month (55.55% per annum) on outstanding balances.
• Specific Transaction Fees: 1% fee on rent, education, wallet load (above Rs 10k/cycle), fuel (above Rs 50k/cycle), utility (above Rs 25k/cycle), and online skill-based gaming (above Rs 10k/cycle) transactions.
• Foreign Currency Markup: 3.5% of the transaction value.
• Dynamic Currency Conversion Markup: 1.5% + taxes.
• Card Availability: This credit card is no longer available for new applications.

Other Details

• Card Availability Status: This credit card is no longer available for new applications.
• Future Terms Update: The terms and conditions of the Axis Bank AURA Credit Card will be updated effective June 20, 2025.
• EMV Chip: The card is EMV certified, offering chip and PIN enabled transactions for enhanced security against counterfeit and skimming frauds.
• Platform for Availing Benefits: For benefits like free doctor consultations, fitness sessions, and health check-up discounts, cardholders must log in to https://axisbankaura.poshvine.com using their registered mobile number and a secret OTP.
• Customer Care Contact:
  • For general queries/assistance: 1860 419 5555 or 1860 500 5555.
  • To block your card (24x7 helpline): +91 22 67987700.
  • To check your credit card balance: Call 1800-419-5959 or send an SMS "BAL" to 56161600 or +918691000002.