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

Axis Bank My Wings Credit Card

This entry-level travel credit card from Axis Bank is designed for frequent travelers, offering a range of features and benefits across air, railway, and road travel. Cardholders can avail complimentary flight tickets, airport lounge access, and various cashback offers on travel bookings, along with dining privileges at partner restaurants and a robust reward points program. The card aims to provide comprehensive travel benefits for both air and ground transportation.

Welcome Benefits

• Two complimentary base fare domestic flight tickets are offered as a welcome benefit.
• These tickets can be redeemed by calling the Ezeego1 helpline at 1800 120 0408 and providing the 15-digit Axis Bank My Wings Primary Credit Card number as a promo code.
• Cardholders need to pay for taxes and surcharges using their My Wings Credit Card.

Fees

• Joining Fee: Rs. 1,200 + GST
• Renewal Fee: Rs. 500 + GST
• Spend-Based Waiver: Information not available.
• Rewards Redemption Fee: Rs. 99 + GST
• Foreign Currency Markup: 3.50% of the transaction amount.
• Interest Rates:
  • 3.75% per month (55% per annum) as stated in the Fees & Charges section.
  • Alternatively, 3.40% per month (49.96% per annum) as mentioned in the FAQs.
• Fuel Surcharge:
  • 1% fuel surcharge waiver is available on spends at all fuel stations across India.
  • Valid for transactions between Rs. 400 and Rs. 4,000.
  • Maximum waiver is capped at Rs. 400 per statement cycle.
  • GST charged on fuel surcharge is non-refundable.
  • No reward points are earned on fuel transactions.
  • On certain fuel transactions, the fuel surcharge may be levied as INR 10 + GST instead of 1% + GST, as it is not levied by the card issuing bank.
• Cash Advance Charges: 2.50% of the transaction amount or a minimum of Rs. 500, whichever is higher.

Rewards

• General Rewards:
  • Earn 4 EDGE Points on every Rs. 200 spent with the credit card.
• Movies & Dining:
  • Enjoy a minimum of 15% off on dining bills at partner restaurants through the Axis Bank Dining Delights Program.
• Travel (Air, Rail, Road):
  • Complimentary Flight Tickets: Two complimentary base fare domestic flight tickets as a welcome benefit.
  • Domestic Lounge Access: Enjoy 1 complimentary domestic airport lounge access per quarter under the MasterCard lounge program.
  • International Lounge Access: Not applicable.
  • Domestic Flights Cashback: Up to 20% cashback on base fare domestic flight bookings.
    • Offer valid on bookings made through the Ezeego1 helpline (1800 120 0408) or www.ezeego1.com.
    • To avail, provide the first 15 digits of your Axis Bank My Wings Primary Credit Card number as a promo code.
    • Pay the full ticket price (including taxes and surcharge) using your My Wings Credit Card.
    • Cashback will be processed to the card account within 7 working days.
  • IRCTC Cashback: Rs. 25 off on every ticket booked with a My Wings Credit Card on www.irctc.com.
    • Maximum cashback of Rs. 25 per transaction.
    • Maximum annual benefits are capped at Rs. 200 per cardholder in a calendar year (January 1 to December 31).
    • The total cashback limit is shared across primary and add-on credit cards.
    • You will be billed the complete transaction amount, and the cashback will appear as a credit entry in your account statement.
  • Hotel and Holiday Cashback Vouchers (Worth Rs. 10,000):
    • Rs. 500 cashback on booking any domestic return air ticket.
    • Rs. 1,500 cashback on booking any international return air tickets.
    • Rs. 1,000 cashback on booking any hotels across India, Nepal, and Bhutan on a minimum booking value of Rs. 7,000.
    • Rs. 1,500 cashback on international hotel bookings of Rs. 7,000 and above.
    • Rs. 2,500 cashback on domestic holidays worth Rs. 20,000 and above.
    • Rs. 3,000 cashback on booking any international holidays on a minimum booking value of Rs. 20,000 and above.
  • Bus Ticket Cashback: Rs. 100 cashback on bus ticket bookings.
    • Offer valid on bookings done on the website.
    • To avail, enter and validate "AXISCOMBO" in the Promo Code section on the payment page.
    • Only eligible for individuals with a valid Axis Bank My Wings Credit Card who have paid the joining fees.
    • The offer can be availed for a maximum of 5 times a year.
  • Car Rental Cashback: Flat Rs. 400 cashback per car booking on car rentals within India.
    • Bookings must be made online on www.ezeego1.com.
    • To avail, enter and validate "AXISCOMBO" in the Promo Code section on the payment page.
    • An instant discount of Re. 1 will be given on promo code validation, and the actual cashback will be refunded to your card account within 15 working days of completion of travel.
• Wednesday Delight:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to Rs. 1000 on Tira.
• Golf Benefits: Not applicable.
• Insurance Benefits: Not applicable.

Rewards Redemption Guide

• EDGE Points: The EDGE Points earned on the card are redeemable for shopping/travel vouchers or products from the product catalog available on the Axis Bank EDGE Rewards portal. Visit edgerewards.axisbank.co.in/lms/rewardscatalogue to explore redemption options.
• Complimentary Flight Tickets: Call Ezeego1 helpline number 1800 120 0408 and announce the offer. Provide your 15-digit Axis Bank My Wings Primary Credit Card number as a Promo code. Book your ticket(s) and pay for the taxes and surcharge through IVR or online process with the My Wings Card.
• Cashback Offers (Domestic Flights, Bus, Car Rentals): Follow the specific instructions for each offer, including booking via Ezeego1 or IRCTC and using specified promo codes like "AXISCOMBO" where applicable. Cashback is typically processed as a credit entry to your card account.

Card Review

The Axis Bank My Wings Credit Card is an entry-level travel credit card designed for frequent domestic travelers who utilize various modes of transportation. It stands out by offering benefits not just on air travel but also on road and rail journeys, including cashback and discounts on bus tickets, car rentals, and IRCTC bookings. While the card provides complimentary domestic lounge access and a decent rewards rate of 4 EDGE points per Rs. 200 spent, a significant drawback is that many of its attractive travel, hotel, flight, and Ezeego offers (excluding IRCTC cashback) were stated to be available only until April 20, 2019. Furthermore, there are indications from user comments that the card may have been discontinued for new applications. If still available, it offers a good value proposition for those whose travel extends beyond just flights.

Important Product Details

• Focus: Primarily an entry-level travel credit card with benefits across air, railway, and road travel.
• Security: The card is EMV certified chip and PIN protected, which helps reduce the possibility of counterfeit and skimming fraud.
• Offer Expiry: Most travel, hotel, flight, and Ezeego offers and cashbacks (except IRCTC cashback) were valid only until April 20, 2019.
• EMI Conversion: Any transaction over Rs. 2,500 can be converted into EMIs by contacting the bank.
• Card Status: There are user reports suggesting that the Axis Bank My Wings Credit Card has been discontinued for new applications.

Other Details

• The interest rate is reported with two slightly different figures across the webpage: 3.75% per month (55% per annum) in the main fees section and 3.40% per month (49.96% per annum) in the FAQ section.
• The bus ticket cashback offer of Rs. 100 on Ezeego1 using "AXISCOMBO" can be availed a maximum of 5 times a year.
• For car rentals with "AXISCOMBO", an instant Re. 1 discount is applied upon promo code validation, with the full Rs. 400 cashback processed after travel completion.