Axis Bank Titanium Smart Traveler Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank Titanium Smart Traveler Credit Card is a basic, travel-focused credit card issued by Axis Bank. It is designed for individuals who travel frequently, offering enhanced Edge Rewards on international and domestic travel-related spends. Key benefits include earning up to 8 Edge Rewards on international spends, a 15% discount on dining at partner restaurants, and a 1% fuel surcharge waiver. The card also provides opportunities for fee waivers based on spending. Note that this card is currently discontinued.

Welcome Benefits

• No specific welcome benefits are mentioned for this card.

Fees

• Joining Fee: ₹250 + GST. This fee is waived if you spend ₹2,500 or more within the first 45 days of card issuance. For cards set up before February 07, 2011, the joining fee is Nil.
• Annual Fee: ₹100 + GST (from the 2nd year onwards). This fee is waived if you spend ₹50,000 or more in the preceding year. For cards set up before February 07, 2011, the annual fee is Nil.
• Spend-Based Waiver Conditions:
  • Joining fee waived on spending ₹2,500 or more within the first 45 days.
  • Renewal fee waived on spending ₹50,000 or more in the preceding year.
  • Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for spends calculated in availing the annual fee waiver.
• Rewards Redemption Fee: Yes, a fee is applicable for reward redemption.
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates (Finance Charges): 3.4% per month (55.55% per annum) for retail purchases and cash advances.
• Fuel Surcharge: 1% of the transaction amount. This is refunded for fuel transactions between ₹400 and ₹4,000. GST charged on fuel surcharge is non-refundable.
• Cash Advance Charges: 2.5% on the withdrawal amount, subject to a minimum charge of ₹500.
• Add-on Card Joining Fee: ₹100 for cards set up before February 07, 2011. Nil for cards set up on or after February 07, 2011.
• Add-on Card Annual Fee: Nil.
• Fee for Cash Payment: ₹175. A convenience fee of ₹50 per payment will be charged for cash payment of credit card bills at Axis Bank branches (effective March 1, 2012).
• Card Replacement (lost or stolen or re-issue): Nil.
• Emergency Card Replacement Fee when overseas (through VISA): As per VISA Global Customer Assistance Services (GCAS).
• Duplicate Statement Fee: Waived.
• Overdue Penalty or Late Payment Fee:
  • 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.
  • ₹1200 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 overlimit amount (Minimum ₹500).
• Charge Slip Retrieval Fee or Copy Request Fee: Waived.
• Outstation Cheque Fee: Waived.
• Cheque return or dishonour Fee or Auto-debit Reversal Bank A/c out of Funds: 2% of the payment amount, with a minimum fee of INR 500 and no maximum cap on the fee.
• Surcharge on purchase or cancellation of Railway Tickets: As prescribed by IRCTC/Indian Railways.
• Mobile Alerts for Transactions: Waived.
• Hotlisting Charges: Nil.
• Balance Enquiry Charges: Waived.
• Rent Transaction Fee: 1% on transaction will be applicable on each rental transaction 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.

Rewards

• Rewards Rate:
  • 8 Edge Rewards on every ₹200 spent on international transactions.
  • 4 Edge Rewards on every ₹200 spent on hotels, bus/train bookings, hotel packages, and airline bookings in India.
  • 2 Edge Rewards on every ₹200 spent on all other categories/elsewhere.
  • No reward points are earned on fuel spends, EMI transactions, cash withdrawal, balance transfer, rent, utilities, and insurance payments.
• Dining Benefits: Get a minimum of 15% discount on dining at exclusive partner restaurants in India with the Axis Bank Dining Delights Program.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions across all fuel stations in India. This waiver is valid on transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 per statement cycle. No reward points are earned on fuel transactions.
• Convert Purchases to EMI: On any transaction over ₹1,500, you can contact the bank to convert the purchase into EMIs through multiple options (Internet Banking, Mobile App, or Customer Service channel).
• Wednesday Delight: Beat the mid-week blues with exciting offers every Wednesday, including:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to ₹1000 on Tira.

Rewards Redemption Guide

• The Edge Reward Points accumulated can be redeemed against various categories and products, including shopping, travel, and vouchers, on the Axis EDGE REWARDS portal (edgerewards.axis.bank.in).
• The value of 1 Edge Reward Point is Re. 0.20.

Card Eligibility Criteria

• The age of the applicant should be above 18 years.
• The applicant must be a resident of India.
• The applicant must have a valid source of income.

Card Review

The Axis Bank Titanium Smart Traveler Credit Card is a pocket-friendly card that offers significant benefits and reward offers, particularly for travel. It is well-suited for individuals who travel frequently and wish to maximize savings on their travel expenditures. Beyond travel, the card also provides savings on dining and other general spends. The fuel surcharge waiver and the spend-based joining and annual fee waivers further enhance its value proposition. However, a user comment suggests that the card is "useless in terms of rewards & cash back" based on 13 years of usage.

Important Product Details

• The card is currently discontinued.
• Earn 2 Edge Reward Points on every ₹200 spent on general retail purchases.
• Earn up to 4x Edge Reward Points on travel-related spends (4 points on domestic travel, 8 points on international travel).
• 15% off on restaurant spends with exclusive partner restaurants in India.
• 1% fuel surcharge waiver on all fuel transactions across all fuel stations in India, for transactions between ₹400 and ₹4,000, with a maximum benefit of ₹400 per month.
• Joining and annual fees can be waived based on spending.
• No reward points are earned on fuel spends, EMI transactions, cash withdrawal, balance transfer, rent, utilities, and insurance payments.
• High foreign currency markup of 3.5%.
• Complimentary MasterCard Airport Lounge Access program is not applicable for Titanium Credit Cards (effective May 1, 2013).

Other Details

• The card allows conversion of purchases above ₹1,500 into EMIs.
• A user review from 9 months ago states, "I am being user of this card from last 13 years, it is useless card in terms of rewards & cash back. Never ever apply for this card."
• General Terms & Conditions and Card Member Agreement are applicable and subject to changes.
• The website uses cookies to enhance browser experience, for analytics, and to assist in marketing and promotional efforts. Users can manage cookie preferences.