Axis Bank
Kwik Credit Card
SimplifyCards take:A good fit if you want a card built for UPI, RuPay, and virtual card
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Best for UPI Spends Via Kiwi AppBest for
5 EDGE REWARD Points / ₹100 spent (1% cashback equivalent)
!
Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for UPI, RuPay, and virtual cardBottom line
It combines accelerated rewards on UPI spends via kiwi app and no annual fee
Estimate your EDGE Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
EDGE Reward Points rates
| Category | Rate |
|---|---|
| UPI Spends Via Kiwi App | 5 EDGE REWARD Points / ₹100 spent (1% cashback equivalent) |
| All Other Eligible Spends | 2 EDGE REWARD Points / ₹200 spent |
Redemption
Statement balanceupto ₹ 0.2 per point
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 ₹400 and ₹4,000, capped at ₹150 per month
- Card can be activated by linking to UPI and setting UPI PIN or through Axis Bank mobile/internet banking
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
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
Exclusions
Spending that does not earn edge reward points
- wallet load
- fuel
- rental payments
- cash withdrawals
- insurance
- repayments
- jewellery
- education
- government services
- emi transactions
- credit card on UPI transactions less than ₹2,000
- transactions excluded under Kwik Axis Bank Credit Card terms
- Gift cards
- Tolls and FASTag
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