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

Axis Bank Titanium Smart Traveler Credit Card

Introduction

The Axis Bank Titanium Smart Traveler Credit Card is designed for frequent travelers, offering extra travel benefits and a hassle-free experience. It allows cardholders to convert purchases above Rs. 2500 into EMIs and provides Axis EDGE Rewards on various spends. The card also features a fuel surcharge waiver and special dining discounts. With a nominal joining fee, this card helps customers save significantly on travel, dining, and other retail purchases, with options for fee waivers based on spending.

Fees

• Joining Fee: ₹250 + GST
• Renewal Fee: ₹100 + GST
• Spend-Based Waiver:
  • The joining fee is waived off on spending Rs. 2,500 or more within the first 45 days of card issuance.
  • The renewal fee is waived off on spending Rs. 50,000 or more in the preceding year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% on all foreign currency spends.
• Interest Rates: 3.4% per month.
• Fuel Surcharge:
  • 1% fuel surcharge waiver on all fuel transactions in India.
  • Valid on transactions between Rs. 400 and Rs. 4,000 only.
  • Maximum benefits up to Rs. 400 per statement cycle/month.
  • GST charged on fuel surcharge is non-refundable.
  • On certain fuel transactions, the fuel surcharge may be levied as INR 10 instead of 1% (with additional GST).
• Cash Advance Charges: 2.5% on the withdrawal amount, subject to a minimum charge of Rs. 500.

Rewards

• Axis EDGE REWARDS: Earn points for various transactions.
  • 8 points on every Rs. 200 spent on the credit card while traveling abroad (international spends).
  • 4 points for every Rs. 200 spent on hotels, holiday packages, airlines, train, and bus bookings in India (domestic travel-related spends).
  • 2 points on every Rs. 200 spent on all other retail purchases in India.
  • No Axis EDGE REWARD Points will be awarded on fuel spends, balance transfer, cash withdrawal, transactions converted to EMI, rent, utilities, and insurance payments.
• Dining Benefits:
  • Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
  • Get up to 15% off (minimum 15% discount) on restaurant spends with exclusive partner restaurants in India.
• Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver on all fuel transactions across all fuel stations in India.
  • Valid on transactions between Rs. 400 and Rs. 4,000.
  • Maximum benefit of Rs. 400 per month.
• Convert Purchases to EMI: Any transaction over Rs. 1,500 can be converted into EMIs through multiple options: Internet Banking, Mobile App, or Customer Service channel.
• Wednesday Delight: Enjoy exciting offers every Wednesday.
  • 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.

Rewards Redemption Guide

• The reward points accumulated can be redeemed against various categories & products, including shopping, travel, and vouchers, at the Axis EDGE REWARDS portal/catalogue.
• 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 budget-friendly option, particularly beneficial for individuals who travel frequently. It offers significant savings opportunities through accelerated reward points on travel-related and international spends, making journeys more rewarding. Beyond travel, cardholders can enjoy discounts on dining and benefit from a fuel surcharge waiver. The option to waive both the joining and annual fees based on spending provides additional value, making it an attractive choice for those looking to maximize savings on their regular expenditures.

Important Product Details

• Earn 2 EDGE REWARD Points on every spend of Rs. 200.
• Earn Up to 4x EDGE REWARD Points on travel-related spends of Rs. 200 within India.
• Earn 8 EDGE REWARD Points on every Rs. 200 spent on international transactions.
• Get a minimum of 15% off on restaurant spends at exclusive partner restaurants in India.
• Enjoy a 1% fuel surcharge waiver on all fuel transactions across India (transactions between Rs. 400 and Rs. 4,000, max Rs. 400/month).
• The joining fee can be waived by spending Rs. 2,500 or more within the first 45 days.
• The annual renewal fee can be waived by spending Rs. 50,000 or more in the preceding year.
• Purchases over Rs. 1,500 can be converted into EMIs.
• No reward points are earned on fuel spends, EMI transactions, cash withdrawal, balance transfer, rent, utilities, and insurance payments.
• Additional offers and savings are available every Wednesday, including discounts on MakeMyTrip, Swiggy, and Tira.

Other Details

• No add-on card fee is charged with this credit card for supplementary cards.
• Important Links available:
  • Credit Card Control Center
  • Credit Card Authentication
  • Card Services
  • Card Protection
  • Card Benefits
  • Terms and Conditions for Credit Cards
  • Locate Nearest Branch
• Related Products/Services:
  • Loan on Credit Card
  • Bill Pay
  • Converting purchases to EMI
  • 3D Secure (for credit card authentication)