{
  "id": "axis-rewards-credit-card",
  "locale": "hinglish",
  "name": "Axis Bank REWARDS Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr on ₹50k spend)",
  "rewardsRate": "20 EDGE / ₹125 on Apparel (3.2%) · 30% Swiggy Off · 1,500 Monthly Milestone Pts",
  "bestFor": "Fashion shopping, departmental retail, food delivery on Swiggy & domestic lounges",
  "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 annual spend pe fee waived",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Apparel & Departmental",
      "value": "20 EDGE / ₹125 (3.2%)"
    },
    {
      "key": "Swiggy Discount",
      "value": "30% off up to ₹150 (2x/mo)"
    },
    {
      "key": "Monthly Milestone",
      "value": "1,500 Bonus EDGE Pts"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "5,000 EDGE Pts (₹1,000)"
    }
  ],
  "earnRates": [
    {
      "category": "Apparel & Departmental Stores",
      "rate": "3.2% (20 EDGE / ₹125)",
      "monthlyCap": "7,000 EDGE points / month",
      "perLakhSpent": "16,000 EDGE Pts (Capped at 7k pts/mo)"
    },
    {
      "category": "All Other Domestic Retail",
      "rate": "0.32% (2 EDGE / ₹125)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,600 EDGE Pts (₹320 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Apparel & Departmental",
      "multiplier": "10×",
      "rate": "3.2%",
      "monthlyCap": "7,000 pts / month",
      "dailyCap": "—",
      "note": "20 EDGE points per ₹125 spent."
    },
    {
      "channel": "Swiggy Food Orders",
      "multiplier": "Discount",
      "rate": "30% Instant Off",
      "monthlyCap": "₹300 / month (₹3,600/yr)",
      "dailyCap": "—",
      "note": "Use coupon AXISREWARDS30."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST (5,000 EDGE Points = ₹1,000 welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Waived at ₹2,00,000 spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹30,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.6 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}