SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, hotels, and flights.
Why it can work
It combines complimentary airport lounge access, accelerated rewards on travel, and milestone rewards.
Where value may drop
Fuel, rent, and utilities don't earn rewards. Monthly reward caps apply on the top categories. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many edge miles you earn and what they are worth.
Milestone rewards
Milestone value is estimated and only counts once you reach each spend threshold.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Edge Miles/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel
5 EDGE Miles per Rs 100
Best for airport lounge access
12 complimentary lounge visits a year across domestic and international.
Best for travel and redemptions
Earns edge miles you can put toward flights, hotels, or transfer partners.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and utilities
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| travel | 5 EDGE Miles per Rs 100 | 10,000 edge miles |
| base | 2 EDGE Miles per Rs 100 | - |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| Air Canada | Aeroplan | 1:2 | Group A | 30,000 EDGE Miles |
| Ethiopian Airlines | ShebaMiles | 1:2 | Group A | 30,000 EDGE Miles |
| Etihad Airways | Etihad Guest | 1:2 | Group A | 30,000 EDGE Miles |
| Japan Airlines | JAL Mileage Bank | 1:2 | Group A | 30,000 EDGE Miles |
| Singapore Airlines | KrisFlyer | 1:2 | Group A | 30,000 EDGE Miles |
| Thai Airways | Royal Orchid Plus | 1:2 | Group A | 30,000 EDGE Miles |
| Turkish Airlines | Miles&Smiles | 1:2 | Group A | 30,000 EDGE Miles |
| United Airlines | MileagePlus | 1:2 | Group A | 30,000 EDGE Miles |
| British Airways | British Airways Executive Club | 2:1 | Group A | 30,000 EDGE Miles |
| Finnair | Finnair Plus | 2:1 | Group A | 30,000 EDGE Miles |
| Vietnam Airlines | Lotusmiles | 2:1 | Group A | 30,000 EDGE Miles |
| AirAsia | airasia rewards | 1:2 | Group B | 120,000 EDGE Miles |
| Air France-KLM | Flying Blue | 1:2 | Group B | 120,000 EDGE Miles |
| Air India | Maharaja Club | 1:2 | Group B | 120,000 EDGE Miles |
| Qantas Airways | Qantas Frequent Flyer | 1:2 | Group B | 120,000 EDGE Miles |
| SpiceJet | SpiceClub | 1:2 | Group B | 120,000 EDGE Miles |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 1:2 | Group B | 120,000 EDGE Miles |
| ITC Hotels | Club ITC | 1:2 | Group B | 120,000 EDGE Miles |
| Radisson Hotels | Radisson Rewards | 1:2 | Group B | 120,000 EDGE Miles |
| Orchid Hotels | Orchid Rewards | 1:2 | Group B | 120,000 EDGE Miles |
| Wyndham Hotels & Resorts | Wyndham Rewards | 1:2 | Group B | 120,000 EDGE Miles |
| The Postcard Hotel | The Postcard Hotel | 1:2 | Group B | 120,000 EDGE Miles |
Annual caps of 30,000 EDGE Miles for Group A and 120,000 EDGE Miles for Group B apply.
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
- Airport lounge access is tiered based on spending:
- Silver tier (entry-level / <3L spend): 8 domestic / 4 international lounge visits per anniversary year.
- Gold tier (7.5L spend): 12 domestic / 6 international lounge visits per anniversary year.
- Platinum tier (15L spend): 18 domestic / 12 international lounge visits per anniversary year.
Exclusions
Categories that earn no rewards on this card.
- fuel
- rent
- insurance
- wallet load
- government institutions
- utilities
- telecom
- gold
- jewellery
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,500 EDGE Miles upon completing the first transaction within 37 days of card issuance.
Renewal benefits
- Renewal benefits are tiered based on status:
- Silver tier: 0 EDGE Miles upon payment of annual fee.
- Gold tier: 2,500 EDGE Miles upon payment of annual fee.
- Platinum tier: 5,000 EDGE Miles upon payment of annual fee.
Additional benefits
- 1% fuel surcharge waiver on transactions from Rs 400 to Rs 4,000 (capped at Rs 400 per billing cycle)
- Dining Delights discounts at participating restaurants
Additional details
- EDGE Miles can be redeemed for travel bookings at Travel EDGE portal or transferred to airline/hotel partners.
Latest updates
Recent changes to this card.
- Effective 2 April 2026, Axis Bank revised its Travel EDGE transfer program: Accor Live Limitless, Marriott Bonvoy, and Qatar Airways were removed as transfer partners.
- Three new airline partners (British Airways, Finnair, Vietnam Airlines) were added at a 2:1 transfer ratio, while legacy partners continue to transfer at 1:2 ratio.
- Annual caps of 30,000 EDGE Miles for Group A and 120,000 EDGE Miles for Group B apply.
Tips
Practical notes from verified sources.
Air India has recently revalued its redemptions and is classified under Group B (subject to the 120,000 annual EDGE Mile transfer cap).
For Marriott Bonvoy transfers, you can indirectly transfer by converting EDGE Miles to Club ITC at a 1:2 ratio, and then Club ITC to Marriott at a 2:3 ratio (capped at 10,000 ITC points per quarter).