Axis Bank Kwik Credit Card

Axis Bank · Lifetime free

A free RuPay card made for UPI payments.

Base rate: 0.2% as EDGE REWARD Point.

What the bank says

• No joining or annual fees
• Linked to UPI; earn rewards on every spend
• 2 EDGE REWARD points on every ₹200 spent
• 1% fuel surcharge waiver, up to ₹150 a month

Things that catch people out

• Rewards are small: 2 points per ₹200, worth about 0.2%.

Joining fee: ₹0. Foreign currency markup: 3.5%.

Read from Axis Bank’s own page on 2026-09-16.

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