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Axis Bank Kwik Credit Card VS Axis Bank KWIK RuPay Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 2 May 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
Axis Bank Kwik Credit Card
Axis Bank Kwik Credit Card
Axis Bank KWIK RuPay Credit Card
Axis Bank KWIK RuPay Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverLifetime free card — no joining or annual fees regardless of spend.
Spend Based Waiver
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.7% per month (APR 55.55% per annum) on retail purchases and cash advances.
Interest Rate (APR)3.6% per month (equivalent to 52.86% per annum).

Rewards & Benefits

Welcome BonusNil joining and annual fees with instant virtual card issuance; earn 2 EDGE reward points per ₹200 on eligible spends.
Welcome Bonus
Rewards Rate2 EDGE reward points per ₹200 spent on domestic and international transactions (excluding excluded categories).
Rewards RateEarn 2 EDGE Reward Points for every Rs. 200 spent on both domestic and international transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 per redemption on EDGE rewards platform; ₹199 for conversion/transfer of EDGE points/miles to other partner loyalty programs.
Reward Redemption FeeRs. 49 plus taxes for redeeming 300 to 10,000 EDGE Reward Points; Rs. 99 plus taxes for >10,000 points.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInstant virtual card for immediate use; UPI linking for international transactions; fuel surcharge waiver up to ₹150/month on fuel spends ₹400–₹4,000.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% + GST (may apply in lieu of 1% waiver in certain cases); 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹4,000, capped at ₹150 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4000, max Rs. 150/month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance ChargesMin ₹500 up to 2.5% of the cash withdrawal amount.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Kwik Credit Card

Axis Bank KWIK RuPay Credit Card

Who is it for?

The Axis Bank Kwik Credit Card is a lifetime free RuPay entry-level card built for seamless UPI-based spending and instant virtual card access. It offers 2 EDGE reward points per ₹200 on eligible domestic and international transactions, plus a monthly fuel surcharge waiver up to ₹150. Ideal for users who want no-fee everyday spending with rewards while avoiding high-interest balances and fee-incurring categories.

Who is it for?

The Axis Bank KWIK RuPay Credit Card is a lifetime free offering designed for seamless UPI payments, integrating credit card benefits with everyday transactions. It provides an instant virtual card via the Kiwi app, allowing users to earn 2 EDGE Reward Points for every Rs. 200 spent on domestic and international transactions. This card is ideal for individuals seeking a no-fee credit card that excels in UPI-based spending and general shopping, even at small and rural merchants. While lacking premium travel or lounge benefits, its core value lies in convenience and consistent rewards.

Pros

Key benefits and features.

Lifetime free card with zero joining and annual fees, ideal for cost-conscious users seeking a no-fee credit card.

Instant virtual card issuance with UPI linking enables immediate use for domestic and international transactions.

Earn 2 EDGE reward points per ₹200 on eligible domestic and international spends with transparent accrual timelines.

Monthly fuel surcharge waiver up to ₹150 on fuel purchases between ₹400 and ₹4,000 adds practical value for drivers.

Simple fee structure on core card features with no renewal charges and redemption options via EDGE rewards platform.

Pros

Key benefits and features.

It is a lifetime free credit card, with no joining or annual fees.

Cardholders receive a virtual credit card instantly upon approval via the Kiwi mobile app.

Offers seamless UPI transaction capability, allowing credit card use at merchants with QR codes.

Provides a decent reward rate of 2 EDGE RPs per Rs. 200 spent on domestic and international transactions.

Cons

Key drawbacks and limitations.

No published redemption value or partner transfer ratios for EDGE points can limit perceived utility of rewards.

High interest rate of 3.7% per month (55.55% per annum) makes carrying balances expensive and risky.

Multiple transaction-level fees from 2024 onward on wallet loads, fuel, education, utilities, gaming, and rent may erode value for certain usage patterns.

Broad exclusions from rewards on wallet loads, fuel, rentals, cash withdrawals, insurance, repayments, jewellery, education, government services, EMIs, and UPI transactions under ₹2000 restrict earning potential.

Late payment fees escalate up to ₹1,200 plus additional charges for missed Minimum Amount Due cycles, increasing cost of slip-ups.

Cons

Key drawbacks and limitations.

Does not offer international or domestic lounge access.

Lacks specific benefits for travel, dining, movies, golf, or insurance.

Significant reward point exclusions on common spends like fuel and rent.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Kwik Credit Card(opens in new tab)Apply for Axis Bank KWIK RuPay Credit Card(opens in new tab)