Axis Bank My Wings Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank My Wings Credit Card, issued by Axis Bank, is positioned as an entry-level travel credit card designed for frequent domestic travelers. It offers a comprehensive range of benefits across air, rail, and road travel, distinguishing itself from cards that focus solely on air travel. Key features include exciting cashback and reward points on various travel spends, complimentary domestic airport lounge access, and dining privileges. Notably, this card has been discontinued.

Welcome Benefits

• 2 complimentary base fare domestic flight tickets via Ezeego1.
• Hotel and holiday vouchers worth ₹10,000.

Fees

• Joining Fee: ₹1,200 + GST.
• Annual Fee:
  • 1st Year: Nil
  • 2nd Year onwards: ₹500 + GST.
• Spend-Based Waiver: Not applicable.
• Rewards Redemption Fee: ₹99 + GST.
• Foreign Currency Markup: 3.50% of the transaction amount.
• Interest Rates: 3.75% per month (55.55% per annum) on retail purchases and cash.
• Fuel Surcharge Waiver: 1% fuel surcharge waived off at all filling stations across India for transactions between ₹400 and ₹4,000. The maximum waiver is capped at ₹400 per month. GST charged on fuel surcharge is non-refundable, and no reward points are earned on fuel transactions.
• Cash Advance Charges: 2.50% of the cash amount or a minimum of ₹500.
• Add-on Card Joining Fee: Nil.
• Add-on Card Annual Fee: Nil.
• Card Replacement Fee (lost or stolen or re-issue): Nil.
• Cash Payment Fee: ₹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.
• Overdue Penalty or Late Payment Fees:
  • Nil if Total Payment Due is less than ₹500.
  • ₹500 if total payment due is between ₹501 - ₹5,000.
  • ₹750 if total payment due is between ₹5,001 - ₹10,000.
  • ₹1,200 if total payment due is greater than ₹10,000.
  • An additional charge of ₹100 will be applicable on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared.
• Over Limit Penalty: 2.5% of the over limit amount (Minimum ₹500).
• Cheque Return or Dishonor Fee or Auto-debit Reversal: 2% of the payment amount, with a minimum fee of ₹500 and no maximum cap on the fee.
• Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways.
• Rent Transaction Fee: 1% on transactions done on MCC 6513.
• Dynamic Currency Conversion Markup: 1.5% + taxes for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
• GST: As per existing Government norms.

Rewards

• Rewards Rate: Earn 4 EDGE Points for every ₹200 spent with the card.
• Movie & Dining:
  • Minimum 15% off on dining bills at partner restaurants under the Axis Bank’s Dining Delights program.
• Travel Benefits:
  • 1 complimentary domestic airport lounge access per quarter under the MasterCard lounge program.
  • Up to 20% cashback on base fare domestic flight bookings via Ezeego1 (applicable only on bookings made through 1800 120 0408 or ezeego1.com).
  • ₹25 off on every ticket booked via IRCTC (maximum annual discount capped at ₹200 per cardholder, maximum cashback ₹25 per transaction).
  • ₹100 cashback (per person) on bus ticket bookings on Ezeego1. Promo code “AXISCOMBO” needs to be used to avail of the offer. The offer can be availed for a maximum of 5 times a year.
  • Flat ₹400 cashback on car bookings/rentals within India. Promo code “AXISCOMBO” needs to be used to avail of the offer.
  • Cashback benefits worth ₹10,000 on hotel and holiday bookings:
    • ₹500 cashback on booking any domestic return air ticket.
    • ₹1,500 cashback on booking any international return air tickets.
    • ₹1,000 cashback on booking any hotels across India, Nepal, and Bhutan on a minimum booking value of ₹7,000.
    • ₹1,500 cashback on international hotel bookings of ₹7,000 and above.
    • ₹2,500 cashback on domestic holidays worth ₹20,000 and above.
    • ₹3,000 cashback on booking any international holidays on a minimum booking value of ₹20,000 and above.
• Wednesday Delight Offers:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy (up to ₹1000).

Rewards Redemption Guide

• EDGE Points Redemption: EDGE Points earned are redeemable for shopping/travel vouchers or products from the given catalog on the Axis Bank EDGE Rewards portal.
• Complimentary Flight Tickets Redemption: To avail the 2 complimentary flight tickets, dial the Ezeego1 customer care at 1800 120 0408. You will need to provide your 15-digit Axis Bank My Wings Primary Credit Card number as a promo code to the customer care executive. Book your ticket(s) and pay for the taxes and surcharge through IVR or online process with the My Wings Card.
• Domestic Flight Cashback Redemption: Offer is valid on bookings made through 1800 120 0408 or www.ezeego1.com. To avail, provide the first 15 digits of your Axis Bank My Wings Primary Credit Card number to the customer service executive or use the promo code on the website. Cashback will be processed to the card account in 7 working days.
• Bus Ticket Cashback Redemption: Offer valid on bookings done on the Ezeego1 website. Enter and validate "AXISCOMBO" in the Promo Code section on the payment page.
• Car Rental Cashback Redemption: Bookings must be made online on www.ezeego1.com. Enter and validate "AXISCOMBO" in the Promo Code section on the payment page. An instant discount of Re. 1 will be given, and the actual cashback will be refunded to your card account within 15 working days of completion of travel.

Card Review

The Axis Bank My Wings Credit Card was designed to target frequent domestic travelers, offering benefits not just for air travel but also for road and rail travel. It provided decent cashback and discount benefits across all three categories of travel spend. For individuals who frequently travel domestically and prefer not to limit their travel experience to only air travel, this card offered a valuable proposition. However, the card has been discontinued.

Important Product Details

• The Axis Bank My Wings Credit Card has been discontinued.
• All travel/hotel/flight/Ezeego offers and cashbacks on My Wings Credit Card were available only until April 20, 2019, with the exception of the IRCTC cashback.
• The card is EMV certified chip and PIN protected for enhanced security, reducing the possibility of counterfeit and skimming fraud.
• Purchases over ₹2,500 can be converted into EMIs by contacting the bank.
• Complimentary domestic airport lounge access is provided under the MasterCard lounge program.

Other Details

• The card offers secure spending with an EMV certified chip credit card, providing chip and PIN protection.
• Any transaction over ₹2,500 can be converted into EMIs by contacting the bank.
• GST is applicable as per existing Government norms on various fees and charges.
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