SimplifyCards take:A good fit if you want a card built for secured card, fixed deposit, and lounge
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Best for airport lounge accessBest for
8 complimentary lounge visits a year across domestic and international
!
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 secured card, fixed deposit, and loungeBottom line
It combines complimentary airport lounge access and milestone rewards
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 |
|---|---|
| Eligible Retail Spends | 10 EDGE REWARD Points / ₹200 spent |
Redemption
Statement balanceupto ₹ 0.2 per point
Airmile transferupto 0.1 airmile per point
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| airasia | airasia rewards | 10:1 | Group B | 4,00,000 EDGE Reward Points |
| Air Canada | Aeroplan | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Air France-KLM | Flying Blue | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| Air India | Maharaja Club | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| British Airways | The British Airways Club | 10:1 | Group A | 1,00,000 EDGE Reward Points |
| Ethiopian Airlines | ShebaMiles | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Etihad Airways | Etihad Guest | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Finnair | Finnair Plus | 10:1 | Group A | 1,00,000 EDGE Reward Points |
| Qatar Airways | Privilege Club | 10:1 | Group A | 1,00,000 EDGE Reward Points |
| Japan Airlines | JAL Mileage Bank | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Qantas | Qantas Frequent Flyer | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| Singapore Airlines | KrisFlyer | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| SpiceJet | SpiceClub | 10:1 | Group B | 4,00,000 EDGE Reward Points |
| Thai Airways | Royal Orchid Plus | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Turkish Airlines | Miles&Smiles | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| United Airlines | MileagePlus | 20:1 | Group A | 1,00,000 EDGE Reward Points |
| Vietnam Airlines | Lotusmiles | 10:1 | Group A | 1,00,000 EDGE Reward Points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| ITC Hotels | Club ITC | 10:1 | Group B | 4,00,000 EDGE Reward Points |
| Orchid Hotels | Orchid Rewards | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| The Postcard Hotel | The Postcard Sunshine Club | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| Radisson Hotels | Radisson Rewards | 20:1 | Group B | 4,00,000 EDGE Reward Points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 20:1 | Group B | 4,00,000 EDGE Reward Points |
Important conditions
1
Domestic lounge8 visits per year
- 2 complimentary domestic airport lounge accesses per calendar quarter, subject to ₹50,000 spends in the previous 3 months
2
Milestone10,000 bonus EDGE REWARD Points on spending ₹2.5 lakh in a card anniversary year
3
Fee waiverRenewal fee waived on annual spends of ₹ 2.5 lakh
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- 12,500 EDGE REWARD Points worth ₹2,500 (or redeemable for vouchers worth ₹5,000) as activation benefit after joining fee payment and first transaction within 30 days
Additional benefits
- Fixed deposit backed secured credit card with minimum fixed deposit of ₹65,000 and maximum ₹25 lakh
- 2 complimentary domestic airport lounge accesses per calendar quarter, subject to ₹50,000 spends in the previous 3 months
- Buy one get one movie ticket offer on District app, capped at ₹250 once per month
- Dining Delights offers through Axis Bank dining programme
- 1% fuel surcharge waiver on fuel transactions from ₹400 to ₹4,000, capped at ₹400 per month
- Purchase protection cover up to ₹1 lakh and credit shield cover of ₹1 lakh
- Convert transactions of ₹2,500 or more into EMI
Additional details
- Travel EDGE transfers for Other cards are capped at 5,00,000 EDGE REWARD Points per customer ID per calendar year, including up to 1,00,000 to Group A partners and 4,00,000 to Group B partners
- Minimum 300 EDGE REWARD Points are required per partner-transfer request
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
- Issued against an Axis Bank Fixed Deposit of ₹65,000 or more (secured credit card)
Self-employed
- Age: 18 to 70 years
- Resident of India
- Issued against an Axis Bank Fixed Deposit of ₹65,000 or more (secured credit card)
Exclusions
Spending that does not earn edge reward points
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Utilities and telecom spends
- Government services spends
- Educational institution payments
- Purchase of gold or jewellery
- EMI transactions
- Gift cards
- Tolls and FASTag
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