Axis Bank KWIK
Axis Bank · Checked 2026-10-09
Axis Bank KWIK is a no-annual-fee option centred on shopping rewards, online spending and reward points.
CardIQ editorial view
Our take
Axis Bank KWIK is a no-annual-fee option centred on shopping rewards, online spending and reward points.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 2 EDGE REWARD points per ₹200 on eligible purchases.
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹150 monthly.
Trade-offs to understand
- UPI transactions below ₹2,000 do not earn rewards; fuel, wallets, rent, insurance, education and government payments are also excluded.
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹150 monthly.
CardIQ verdict
A sensible long-term choice when you want shopping rewards, online spending and reward points without a recurring membership charge. Check this condition before applying: UPI transactions below ₹2,000 do not earn rewards; fuel, wallets, rent, insurance, education and government payments are also excluded.
Compare before deciding
- AU LIT — A similarly priced alternative for comparing shopping rewards and reward points.
- CheQ AU — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- RuPay card supports UPI and an instant virtual card on approval.
- UPI transactions below ₹2,000 do not earn rewards; fuel, wallets, rent, insurance, education and government payments are also excluded.
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions, capped at ₹150 monthly.