Credit Card Compare

Axis Bank Kwik Credit Card

Data last updated 25 October 2026
44.40%
Purchase rate
₹0
Annual fee
50 days
Interest-free

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Application60 second approval

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Lifetime free64
  • Rewards28

Customer reviews

No reviews yet. Be the first to review the Axis Bank Kwik Credit Card.

Pros & cons

What's good

  • The 44.4% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • No annual fee.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee and annual fee are both Nil (lifetime free card). No waiver condition needed. Charges stated are exclusive of GST.
  • Earns 2 EDGE REWARD points per ₹200 on everyday spend, below the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Rewards

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
Undisclosed
Purchases
44.40% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD is computed as the sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
2 EDGE REWARD points per ₹200
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 91 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate44.40%Top 25% (19th of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Rewards value₹1,080 a yearNot as good as most cards (46th of 61 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Axis Bank