{
  "id": "axis-rewards-credit-card",
  "locale": "hi",
  "name": "Axis Bank REWARDS Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (₹50k तिमाही खर्च शर्त)",
  "rewardsRate": "कपड़ों पर 20 EDGE / ₹125 (3.2%) · 30% स्विगी छूट · 1,500 मासिक बोनस अंक",
  "bestFor": "फैशन खरीदारी, डिपार्टमेंटल स्टोर, स्विगी फूड डिलीवरी और घरेलू एयरपोर्ट लाउंज",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/rewards-credit-card",
  "aiVerdict": {
    "score": 6,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3.2,
  "affiliateId": "axis-rewards-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — REWARDS Credit Card schedule of charges",
    "Axis Bank & Swiggy — 20X apparel points and Swiggy 30% discount terms"
  ],
  "feeWaiver": "₹2,00,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "परिधान व डिपार्टमेंटल",
      "value": "20 EDGE / ₹125 (3.2%)"
    },
    {
      "key": "स्विगी डिस्काउंट",
      "value": "₹150 तक 30% छूट (2x/माह)"
    },
    {
      "key": "मासिक माइलस्टोन",
      "value": "1,500 बोनस EDGE अंक"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,000 + GST"
    },
    {
      "key": "स्वागत उपहार",
      "value": "5,000 EDGE अंक (₹1,000)"
    }
  ],
  "earnRates": [
    {
      "category": "कपड़े (Apparel) व डिपार्टमेंटल स्टोर्स",
      "rate": "3.2% (20 EDGE / ₹125)",
      "monthlyCap": "7,000 EDGE अंक / माह",
      "perLakhSpent": "16,000 EDGE Pts (अधिकतम 7k अंक/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.32% (2 EDGE / ₹125)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,600 EDGE Pts (₹320 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "परिधान व डिपार्टमेंटल",
      "multiplier": "10×",
      "rate": "3.2%",
      "monthlyCap": "7,000 अंक / माह",
      "dailyCap": "—",
      "note": "प्रति ₹125 खर्च पर 20 EDGE अंक।"
    },
    {
      "channel": "Swiggy फूड ऑर्डर्स",
      "multiplier": "Discount",
      "rate": "30% तुरंत छूट",
      "monthlyCap": "₹300 / माह (₹3,600/वर्ष)",
      "dailyCap": "—",
      "note": "कूपन कोड AXISREWARDS30 का उपयोग करें।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "फ्लाइट और होटल बुकिंग्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST (5,000 EDGE अंक = ₹1,000 स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹2,00,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹30,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3.6 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}