{
  "id": "axis-axis-bank-aura-credit-card",
  "locale": "hinglish",
  "name": "Axis Bank Aura Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹749 + GST",
  "loungeAccess": "No lounge access",
  "rewardsRate": "Pharmacies & Health spends par 5X EDGE Rewards (2.0%) · 4 Free Monthly Practo Doctor Consultations · 4 Fitternity Video Sessions · 1% Fuel Surcharge Waiver",
  "bestFor": "Health-conscious families, regular medical/pharmacy spenders, fitness lovers aur Practo users",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-aura-credit-card",
  "aiVerdict": {
    "score": 4.4,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "axis-axis-bank-aura-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 — Axis Bank Aura Credit Card official schedule of charges and MITC",
    "Practo & Fitternity Partnership Terms — 4 monthly teleconsultations, fitness video passes & 5X pharmacy rewards"
  ],
  "feeWaiver": "Saal mein ₹1,50,000 spend karne par annual renewal fee completely waive off",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹749 + GST (Waived on ₹1.5L spend)"
    },
    {
      "key": "Health Benefit",
      "value": "4 Complimentary Practo Doctor Consultations / month"
    },
    {
      "key": "Fitness Benefit",
      "value": "4 Complimentary Fitternity Video Fitness Sessions / month"
    },
    {
      "key": "Pharmacy Rewards",
      "value": "5X EDGE Rewards (10 pts / ₹200) on medical & pharmacy"
    },
    {
      "key": "Welcome Gift",
      "value": "₹500 Decathlon / Health & Glow Welcome Voucher"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹400 se ₹4,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "Pharmacies & Medical Stores (5X)",
      "rate": "10 Points / ₹200 (1.0% value)",
      "monthlyCap": "Max 1,000 bonus points / month",
      "perLakhSpent": "5,000 Points (~₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹200 (0.20% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹200 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Pharmacies & Medical Care",
      "multiplier": "5×",
      "rate": "10 Points / ₹200",
      "monthlyCap": "1,000 bonus pts/month",
      "dailyCap": "—",
      "note": "Apollo Pharmacy, Tata 1mg, Netmeds aur local medical stores par 5X points."
    },
    {
      "channel": "General Retail Spends",
      "multiplier": "1×",
      "rate": "2 Points / ₹200",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Everyday retail spending par 2 EDGE points per ₹200."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Health & Pharmacy Vouchers",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹749 + GST (₹500 Welcome Voucher Included)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹749 + GST (Saal mein ₹1,50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.60% per month (43.2% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹400 se ₹4,000 ke transactions par 1% waiver (Max ₹400/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "18 se 70 saal"
    },
    {
      "criteria": "Minimum Monthly Income",
      "requirement": "₹25,000+ per month (Salaried) ya ₹3.6L+ ITR (Self-Employed)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "730+ recommended for smooth approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}