Best Axis Bank Credit Cards with No Annual Fee

Have you ever felt that a credit card should reward you, not charge you? You're not alone. Today, everyone is looking for ways to save more, spend smarter, and still enjoy all the benefits a credit card can offer - without that annoying annual fee. 

Axis Bank understands this, and that's why it has introduced a range of Axis Bank credit cards with no annual fee options. From online shoppers and food lovers to those who just want a simple, reliable card for daily use, there's an option for everyone. 

In this article, we'll break down the best Axis Bank credit cards with zero annual fees, highlight their benefits, and help you pick the one that fits your lifestyle like a glove. Let's find your ideal match! 

Table of Contents

• What Are "No Annual Fee" Credit Cards? 
• Benefits Of No Annual Fee Credit Cards 
• Why Choose an Axis Bank Credit Card With Zero Annual Fees
• The Best Axis Bank Credit Cards: A Detailed Look
• Which Is The Best Axis Bank Card For You?
• Understanding The Costs: Axis Bank "No Fee" Card Charges Explained
• How To Apply For Your Axis Bank Credit Card 

What Are "No Annual Fee" Credit Cards?

"No annual fee" credit cards are exactly what they sound like: credit cards that don't charge you any annual membership or renewal fee. In simple terms, you get all the benefits, perks, and privileges of a credit card without having to pay for the card itself every year. 

These cards are ideal for: 

• First-time credit card users looking for an affordable option. 
• People with low or moderate monthly spends who want benefits without added costs. 
• Smart spenders who don't want to be tied down by annual charges. 

With an Axis Bank no annual fee credit card, you can shop, save, and earn rewards, making every rupee count. 

Benefits of No Annual Fee Credit Cards

No annual fee credit cards aren't just about saving money; they're about making every rupee you spend count. Here's why they bring to the table: 

• Zero cost of ownership: No annual charges, making it ideal for first-time cardholders or infrequent spenders. 
• More savings, less guilt: Enjoy benefits like cashback, discounts, and rewards without worrying about an annual fee eating into them. 
• Perfect for beginners: An ideal option for students, young professionals, or anyone starting their credit journey. 
• Flexibility: Maintain a credit card for emergencies or occasional purchases without committing to hefty annual charges. 
• Better credit score: Keep the card active for longer, boosting your credit history and score over time. 

In short, no annual fee credit cards give you the best of both worlds: access to premium benefits and a chance to save money every year.

Why Choose an Axis Bank Credit Card With Zero Annual Fees?

Choosing a credit card that doesn't hit you with a yearly fee comes with a bunch of awesome benefits: 

• More money in your pocket: This is the most obvious one. A credit card witn no Axis Bank annual charges means more of your hard-earned money stays with you. Simple math, really. 
• Peace of mind: Say goodbye to that nagging worry about hitting spend targets just to avoid a fee. It's a truly hassle-free credit card experience. 
• Build your credit history smartly: These cards are a low-cost, low-stress way to build a solid credit history. Using them responsibly, without those extra fees, can do wonders for your credit score. 
• Financial flexibility: It acts as a handy financial safety net, giving you access to funds without racking up unnecessary yearly costs. 

Axis Bank, in particular, offers a great range, so you can find one that fits your life perfectly without breaking the bank on annual fees. 

The Best Axis Bank Credit Cards: A Detailed Look

Finding the right Axis Bank credit card that's either genuinely free or with an easily waivable annual fee depends on how you spend and what perks you're looking for. Axis Bank has options for everyone, from UPI lovers to online shopping addicts. 

Below is a simple side-by-side look at some of the best Axis Bank credit cards that offer no annual fee or easy waiver conditions. 

Feature	Axis Bank SUPERMONEY RuPay Credit Card	Axis Bank NEO Credit Card	Axis Bank ACE Credit Card	Axis Bank REWARDS Credit Card	Axis Bank Freecharge Plus Credit Card
Best For	UPI lovers, first-time users	Online shoppers, discount hunters	Cashback maximisers, bill payers	Rewards collectors, lifestyle spenders	Freecharge users, daily commuters
Annual Fee	Lifetime free	₹250 (often lifetime rree via promo)	₹499	₹1,000	₹350
Fee Waiver	Always free	Often free	On spends of ₹2 lakh or more	On spends of ₹2 lakh or more	On spends of ₹50,000 or more (invite-only)
Key Benefit	3% cashback on UPI (SuperMoney app)	Direct discounts on Zomato, Paytm, Myntra	Up to 5% cashback on utilities, food, rides	Earns EDGE rewards, lifestyle benefits	5% cashback on Freecharge, 2% on commute
Lounge Access	No	No	4 domestic (spend-based)	Yes (generally 2/Q)	No
Forex Markup Fee	3.50%	3.50%	3.50%	3.50%	3.50%

Let's dive into each card's details: 

1. Axis Bank SUPERMONEY RuPay Credit Card

If you live that UPI life, this one's for you. The Axis Bank SUPERMONEY RuPay credit card is a rare find. It’s truly lifetime free and built for the digital-first user. 

• Why it's awesome: You get a sweet 3% cashback on UPI transactions if you use the SuperMoney app. For all other eligible spends, it's a solid 1% cashback. (Just remember, the 3% is only for the SuperMoney app; other UPI apps give you 1%.) Total cashback is capped at ₹500 per month. 
• No hidden fees: This card is genuinely lifetime free. No joining fee, no annual fee. Period. 
• Who it's for: Perfect for digital payment enthusiasts, especially if you're happy to use the SuperMoney app. It's also fantastic for first-time credit card users because it's completely free and has straightforward cashback. Great for young professionals and students looking to build credit without any hassle. 

2. Axis Bank NEO Credit Card

Often a lifetime free deal, the Axis Bank NEO credit card is all about direct discounts. If you love instant savings from your favourite online apps, this card is winking at you. 

• Why it's awesome: It's got the "Power of 10" mantra. You get a flat ₹120 off on Zomato (twice a month!), 5% off on Paytm utility bill payments, and 10% off on BookMyShow, Blinkit, and Myntra. These aren't points; they're straight-up savings. 
• Fee-friendly: The NEO credit card usually comes with a low joining and annual fee of ₹250 from the second year onwards, but it's frequently offered as ‘Lifetime Free’ if you apply through specific channels or during special offers. So, keep an eye out for those. 
• Who it's for: Anyone who frequently uses Zomato, Paytm, Blinkit, BookMyShow, and Myntra. It's also a great starting card for beginners because of its low (or no) fees and easy-to-understand direct discounts. 

3. Axis Bank ACE Credit Card

The Axis Bank ACE credit card is a cashback champion, especially for your everyday needs. It does have a fee, but hitting that waiver target is totally doable if you're smart about your spending. 

• Why it's awesome: This card is all about giving you money back: a whopping 5% cashback on Google Pay bill payments and recharges. Get 4% cashback on Swiggy, Zomato, and Ola. All other eligible spends earn a solid 1.5% cashback. (Note: The 5% and 4% categories have a combined monthly cap of ₹500.) You also get 4 complimentary domestic lounge visits per year (with a spending condition). 
• Fee waiver explained: It has a ₹499 joining fee and a ₹499 annual fee from the second year. This annual fee is waived if your annual spends cross ₹2 lakh. Crucially, remember that rent payments and wallet loads often don't count towards this waiver! 
• Who it's for: If you pay all your bills via Google Pay, this card is your new best friend. Frequent users of Swiggy, Zomato, and Ola will also rack up cashback fast. Perfect for cashback maximisers who can comfortably hit the annual spend waiver. 

4. Axis Bank Rewards Credit Card

For those who enjoy a good rewards program and can maintain a decent spending habit, the Axis Bank Rewards credit card offers a mix of points and lifestyle benefits, with a waivable annual fee. 

• Why it's awesome: You get 5,000 EDGE REWARD points after spending just ₹1,000 within 30 days. Earn 1,500 EDGE REWARD points for ₹30,000 net spends per statement cycle, and a whopping 10X accelerated rewards for ₹1 lakh annual spends. Plus, enjoy 30% off on Swiggy and other lifestyle discounts. It also offers complimentary lounge access. 
• Fee waiver explained: It has an annual fee of ₹1,000 from the second year onwards. This fee is waived if your annual spends reach ₹2 lakh or more. Again, rent and wallet loads are usually excluded from this calculation. 
• Who it's for: Moderate to high spenders who can hit that ₹2 lakh annual mark to enjoy the card fee-free. Great for rewards enthusiasts who love accumulating points and enjoy lifestyle benefits like dining and online shopping discounts. 

5. Axis Bank Freecharge Plus Credit Card

This one's a bit of an exclusive club. The Axis Bank Freecharge Plus credit card is an invite-only cashback card, made for Freecharge loyalists and daily commuters. 

• Why it's awesome: It's all about cashback for your digital life: 5% cashback on Freecharge spends, 2% cashback on local commute (Ola/Uber/Shuttle), and 1% cashback on all other eligible spending(cashback capped at ₹500 per month). You also get up to 15% on flights & hotels via Goibibo and MakeMyTrip, 10% off on orders via Swiggy and Amazon Fresh. 
• Fee waiver & exclusivity: It has a ₹350 joining fee and annual fee. While it clearly mentions an "Annual Fee Waiver," the exact spend conditions aren't always public. The big catch: this is an invite-only card. You'll see a banner in your Freecharge app if you're eligible. 
• Who it's for: If Freecharge is your go-to app for payments and recharges, and you use Ola/Uber a lot. But only if you get that special invite.

Which is the Best Axis Bank Card for You?

A comparison table gives you the facts, but finding your perfect card means thinking about how you actually live and spend. Below is a practical breakdown of who each top Axis Bank card is made for, so you can match your lifestyle to the right benefits and avoid those annual fees. 

Axis Bank SUPERMONEY RuPay credit card

This card is for you if: 

• You use UPI for most of your daily payments. 
• You're happy to use the SuperMoney app for even better cashback. 
• You're getting your first credit card and want something genuinely free with no strings attached. 
• You prioritise straightforward cashback over complex reward points. 

Axis Bank NEO credit card

This card is your match if: 

• Your life revolves around apps like Zomato, Paytm (for bills), Blinkit, BookMyShow, and Myntra. 
• You love instant, direct discounts rather than collecting points. 
• You're looking for a card that's often available as lifetime free, making it super budget-friendly. 
• You appreciate simple, easy-to-understand benefits. 

Axis Bank ACE credit card

This card is perfect for you if: 

• You pay a lot of your bills and recharges via Google Pay. 
• You frequently use food delivery apps (Swiggy, Zomato) and ride-hailing services (Ola). 
• You're confident you can spend around ₹2 lakh annually to waive the fee (remembering to exclude rent/wallet loads). 
• You value getting a direct percentage of your money back on daily essentials. 

Axis Bank REWARDS credit card

This card is made for you if: 

• You enjoy accumulating reward points that you can redeem later for various options. 
• You're a moderate to high spender who can comfortably hit the ₹2 lakh annual spend mark to waive the fee. 
• You appreciate specific discounts on dining and other lifestyle categories. 
• You're looking for a card that offers lounge access for a more comfortable travel experience. 

Axis Bank Freecharge Plus credit card

This card is your pick if: 

• You are a heavy user of the Freecharge app for payments and recharges. 
• You frequently use Ola, Uber, or other shuttle services for daily commutes. 
• You have received an invitation for this exclusive card. 
• You want a card that offers lounge access for domestic travel. 

Each of these cards serves a different kind of user. Choose the one that fits your lifestyle, spending habits, and financial goals, and you'll get far more than just a way to pay; you'll get real value without the annual fee burden. 

Also, check out the Top Axis Bank Credit Cards with features, eligibility, and charges on Finology Select.

Understanding the Costs: Axis Bank "No Fee" Card Charges Explained

Even with "no annual fee" or "waivable fee" cards, it's crucial to be aware of other potential charges. Knowing these upfront can save you from any bill shock. So, before you swipe, here's a clear breakdown of the common charges you should be aware of: 

1. Forex markup fee (3.5% on international transactions): When you use your card abroad or on a foreign website, this fee is applied. For most of these Axis Bank cards, it's typically 3.5%. If you travel internationally a lot, this can add up. 
2. Cash advance fee (~2.5% of the withdrawn amount, minimum ₹500): This is charged when you use your credit card to withdraw cash from an ATM. It's usually not worth it. You pay the fee plus interest from day one. It's much better to carry a debit card or a prepaid forex card for cash needs abroad. 
3. Late payment charges: If you don't pay your bill by the due date, you'll be charged a late fee. This varies based on your outstanding amount (e.g., nil for small amounts, up to ₹1,200 for larger ones). 
4. Over-limit fee: If you spend beyond your credit limit, you might be charged an over-limit fee. 
5. Rent surcharge: Many Axis Bank cards now charge a 1% fee on rental transactions (e.g., Axis Bank SUPERMONEY RuPay, NEO, ACE). This is an important fee to note if you use your card for rent. 
6. New upcoming fees: Be aware that Axis Bank is introducing new fees on certain cumulative spends from 20 December 2024. These may apply to categories like education, utility, wallet loads, fuel, and online gaming. Always check the latest terms and conditions for your specific card. 

Here's a quick summary table of some major charges: 

Charge Type	Typical Amount
Annual Fee	₹0, ₹250, ₹350, ₹499, or ₹1,000
Forex Markup Fee	3.50% on foreign transactions
Cash Advance Fee	~2.5% of the amount (min. ₹500)
Rent Surcharge	1% (on some cards)
Late Payment Charges	Tiered (Nil to ₹1,200+)

Being aware of these charges helps you use your Axis Bank credit card wisely, maximising perks while keeping avoidable costs to a minimum. 

How to Apply for Your Axis Bank Credit Card

Applying for an Axis Bank credit card, especially those with no annual fee or easy waivers, is generally a straightforward online process. 

1. Choose your card: Based on your spending habits and the detailed analysis above, select the card that best fits your lifestyle. 
2. Check eligibility: Ensure you meet the basic criteria (age, residency). For invite-only cards like Freecharge Plus, check your Freecharge app for eligibility. 
3. Gather documents: Have your PAN card, income proof (latest payslip, Form 16, or IT Return), and residence proof (Passport, Driving License, Utility Bill) ready. 
4. Online application: Visit the official Axis Bank website. Navigate to the credit cards section and click on the "Apply Now" button for your chosen card. 
5. Fill the form: Complete the online application form with accurate details. 
6. Document upload: Upload scanned copies of your required documents. 
7. Verification: The bank may conduct a video KYC or schedule an in-person verification. 
8. Approval & dispatch: Once approved, your shiny new card will be dispatched to your address. 

Once everything's submitted, it's mostly a waiting game. If all goes well, you'll get your approval within a few working days, and your new Axis Bank credit card will land at your doorstep soon after. Just keep your documents ready, follow the steps carefully, and you'll be swiping in no time.

Conclusion

Choosing the right Axis Bank credit card that offers no annual fee or an easy waiver condition isn't rocket science, but it does require a bit of savvy. By understanding the nuances between "lifetime free" and "annual fee waived," and aligning your choice with your unique spending patterns, you can unlock a world of benefits without the burden of recurring costs. 

Whether you're a UPI ninja, an online shopping enthusiast, a bill-paying pro, or someone just starting their credit journey, Axis Bank has an option designed to keep your wallet happy and unburdened. 

However, if you are still unsure which Axis card fits you best or wondering if there’s a better deal out there?

Finology Select is your best bet. It lets you compare 90+ of the best credit cards in India, not just from Axis but across all major banks. You can filter by your income, spending habits, and the benefits that matter most to you, whether it's cashback, travel perks, lifetime free status, or low annual fees.

Instead of opening 10 tabs and decoding fine print, you get a clear, personalised shortlist in minutes. It's a credit card comparison, done right.

Wondering how to get cashback on UPI without switching apps entirely? Discover how the Axis Bank SuperMoney RuPay Credit Card integrates seamlessly with the SuperMoney app for bonus rewards.

FAQs

What's the main difference between "Lifetime Free" and "Annual Fee Waived"?

"Lifetime Free" means you never, ever pay an annual fee. "Annual Fee Waived" means there is an annual fee, but it's removed if you meet certain spending conditions (like spending ₹2 lakh a year). So, one is guaranteed free, the other requires a bit of effort. 

Do rent payments and wallet loads count towards the annual fee waiver?

Generally, no. For many Axis Bank credit cards, especially those with waivable annual fees (like ACE and REWARDS), transactions like rent payments (MCC 6513) and wallet loads (MCC 6540) are explicitly excluded from the spending calculation for annual fee waivers. Always double-check the card's specific terms and conditions. 

Which Axis Bank card is best for UPI transactions?

The Axis Bank SUPERMONEY RuPay credit card is specifically designed for UPI. It offers 3% cashback on UPI transactions made via the SuperMoney app. 

Can I get an Axis Bank credit card if I'm new to credit?

Absolutely! Lifetime free cards like the SUPERMONEY RuPay credit card and cards with low or often-waived fees like the NEO credit card are excellent starting points for building your credit history responsibly. 

How do I know if the NEO credit card is lifetime free for me?

The "Lifetime Free for select channels" status for the NEO credit card usually depends on promotional offers at the time of application or the channel through which you apply (e.g., specific online aggregators or direct bank campaigns). It's best to confirm the exact terms when you're applying. 

Are there any hidden charges with these "no annual fee" cards?

While the annual fee might be zero or waived, all credit cards have other standard charges like finance charges (if you don't pay your bill on time), cash advance fees, late payment fees, and foreign currency transaction markups. Always read the MITC (Most Important Terms & Conditions) document for the specific card.