SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for UPI, RuPay, and virtual card.
Why it can work
It combines accelerated rewards on UPI spends via kiwi app and no annual fee.
Where value may drop
Fuel, rent, and insurance don't earn rewards. 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 reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Edge Reward Points/yr |
|---|---|---|
| UPI payments | Rs 5,000 | 3,000 |
| Other spends | Rs 8,000 | 4,800 |
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 UPI Spends Via Kiwi App
5 EDGE REWARD Points / Rs 100 spent (1% cashback equivalent)
Best as a no-fee everyday card
Lifetime-free, so there's no annual fee to recover before it adds value.
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 insurance
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| UPI spends via Kiwi app | 5 EDGE REWARD Points / Rs 100 spent (1% cashback equivalent) |
| All other eligible spends | 2 EDGE REWARD Points / Rs 200 spent |
Redemption
Exclusions
Categories that earn no rewards on this card.
- wallet load
- fuel
- rental payments
- cash withdrawals
- insurance
- repayments
- jewellery
- education
- government services
- emi transactions
- credit card on UPI transactions less than Rs 2,000
- transactions excluded under Kwik Axis Bank Credit Card terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Lifetime free card with nil joining fee and nil annual fee
- Credit card on UPI through RuPay with seamless transaction experience through any UPI app
- Instant virtual card on approval
- 1% fuel surcharge waiver on fuel purchases between Rs 400 and Rs 4,000, capped at Rs 150 per month
- Card can be activated by linking to UPI and setting UPI PIN or through Axis Bank mobile/internet banking
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Resident of India or NRI
Self-employed
- Age: 18 to 70 years
- Resident of India or NRI
Compare before you decide
Alternatives based on what you might want instead.
Kotak UPI RuPay Credit Card
Best for upi, lifetime free, virtual card.
YES BANK Klick RuPay Credit Card
Best for upi, virtual card, lifetime free.
HSBC RuPay Platinum Credit Card
Best for rupay, upi, lifetime free.