Your wellness companion - earn rewards whilst prioritising health and fitness
No annual fee waiver available
Up to 50 days interest-free
Enter your details to get started
| Benefit | Details |
|---|---|
| Comprehensive Health Support | Enjoy 48 free video doctor consultations per year (4 per month) via Practo, covering you and 3 family members for comprehensive healthcare access. |
| Fitness & Wellness | Access 48 interactive video fitness sessions annually (4 per month) plus 192 recorded sessions (16 per month) via Fitternity to maintain your fitness routine. |
| Nutrition & Diet Benefits | Receive minimum 30% discount on nutritional and diet consultations from renowned nutritionists, plus minimum 30% discount on nutritional food purchases. |
| Reward on Insurance | Earn accelerated 5X EDGE Reward Points on insurance spends (10 points per ₹200), making this one of the few cards that rewards insurance payments. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Health & Wellness / Lifestyle |
| Type of Card | Health & Wellness Credit Card |
| Free or Paid | ₹749 + GST Annually (no annual fee waiver available) |
The Axis Bank AURA Credit Card is the perfect choice for health-conscious individuals and fitness enthusiasts who prioritise wellness alongside financial benefits. As India's pioneering health and wellness-focused credit card, the AURA delivers exceptional value for those seeking comprehensive healthcare support, fitness guidance, and nutritional benefits whilst earning rewards on everyday spending. With 48 complimentary doctor consultations annually, extensive fitness sessions through premium partners like Practo and Fitternity, substantial discounts on health check-ups and nutritional consultations, plus the unique advantage of earning accelerated rewards on insurance spends—a category typically excluded from most credit cards—the AURA transforms healthcare spending into rewarding experiences. Combined with dining benefits, fuel surcharge waivers, and a modest annual fee of just ₹749, this card represents an accessible yet comprehensive solution for individuals and families committed to maintaining healthy lifestyles whilst managing expenses efficiently.
Health-First Positioning: The AURA Credit Card is specifically curated to provide extensive benefits across the health and wellness category, making it India's first dedicated wellness credit card. Unlike traditional rewards cards, the AURA focuses on delivering tangible health benefits that matter to individuals and families.
Complimentary Doctor Consultations: Access 48 free video doctor consultations per year (4 per month) via Practo, one of India's leading healthcare platforms. These consultations cover the primary cardholder and up to 3 family members, providing comprehensive healthcare support for your entire household without additional costs.
Comprehensive Fitness Support: Enjoy 48 interactive video fitness sessions annually (4 per month) through Fitternity, offering personalised guidance from certified fitness trainers. Additionally, access 192 recorded fitness sessions (16 per month) to maintain your exercise routine at your convenience, whether at home or whilst travelling.
Health Check-Up Discounts: Receive annual discounts of up to ₹500 on full-body health check-ups, encouraging preventive healthcare and early detection of potential health issues. Regular health monitoring becomes more affordable with this valuable benefit.
Nutritional Guidance: Access minimum 30% discount on nutritional and diet consultations from renowned partner nutritionists. Professional dietary guidance becomes significantly more affordable, helping you maintain optimal nutrition and achieve your health goals.
Nutritional Food Discounts: Enjoy minimum 30% discount on nutritional food purchases, making healthy eating more accessible and economical. This benefit supports your commitment to maintaining a nutritious diet without straining your budget.
Generous Welcome Benefit: Receive a Decathlon voucher worth ₹750 upon card issuance, effectively offsetting your first year's annual fee. Use the voucher at any Decathlon store or online to purchase sports equipment, fitness gear, or outdoor adventure products.
Reward Programme: Earn 2 EDGE Reward Points for every ₹200 spent on the card across eligible categories. With 1 EDGE Point valued at ₹0.20, this translates to a 0.2% reward rate on regular spends, providing consistent value on everyday purchases.
Accelerated Insurance Rewards: Earn 5X EDGE Reward Points on insurance spends—10 points for every ₹200 spent on insurance premiums. This 1% reward rate on insurance is unique, as most credit cards exclude insurance from rewards altogether. Maximum transaction amount capped at ₹10,000 for accelerated rewards.
Dining Benefits: Enjoy up to 15-20% discount on dining bills at partner restaurants through the Axis Bank Dining Delights Programme. Minimum order value of ₹2,500 required to avail up to ₹500 discount, valid once per card per month.
Fuel Surcharge Waiver: Receive 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000 at all fuel stations across India. Maximum benefit of ₹250 per statement cycle helps reduce your fuel expenses.
EMV Chip Security: Benefit from enhanced security with EMV certified chip card technology. All transactions are chip and PIN enabled, reducing the possibility of counterfeit and skimming frauds whilst providing peace of mind.
Contactless Payments: Make quick, secure, and convenient payments by simply tapping your card at participating merchants for transactions up to ₹5,000 without entering your PIN.
Flexible EMI Options: Convert large purchases into easy monthly instalments through Axis Bank's EMI facility, either at the point of sale or by contacting customer care post-purchase. Manage your cash flow efficiently whilst making necessary health and wellness purchases.
Interest-Free Period: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage expenses efficiently whilst planning your payments.
Affordable Annual Fee: With a joining and annual fee of just ₹749 + GST (~₹884), the AURA represents exceptional value considering the comprehensive health and wellness benefits provided. The ₹750 welcome voucher effectively makes the first year nearly free.
Important Note: Please note that the Axis Bank AURA Credit Card does not offer complimentary airport lounge access, unlike some other Axis Bank cards such as the My Zone Credit Card.
The AURA card's unique combination of extensive health benefits, fitness support, nutritional guidance, and accelerated rewards on insurance makes it an exceptional choice for health-conscious individuals who value wellness alongside financial benefits.
Earning EDGE Reward Points
2 EDGE Points per ₹200 on Eligible Spends (0.2% Value-Back)
Earn 2 EDGE Reward Points for every ₹200 spent using your Axis Bank AURA Credit Card on eligible retail purchases. With each EDGE Point valued at ₹0.20, this provides a 0.2% reward rate on regular spending.
Applicable Categories:
Retail purchases
Dining
Shopping
Entertainment
And other eligible merchant categories
5X EDGE Points on Insurance Spends (1% Value-Back)
Earn accelerated 5X EDGE Reward Points on insurance premium payments—10 EDGE Points for every ₹200 spent on insurance. This translates to a 1% reward rate, making the AURA one of the few credit cards that actively rewards insurance spending.
Terms:
Maximum transaction amount capped at ₹10,000 for accelerated rewards
Applicable on health insurance, life insurance, general insurance, and other insurance premiums
Reward Exclusions
No EDGE Reward Points are awarded on the following transactions:
Utility bill payments
Education fee payments
Wallet loads and recharges
Rent payments
Fuel purchases
Government institution payments
Cash advances
EMI transactions
Card fees and charges
Redemption Value: 1 EDGE Point = ₹0.20
The EDGE Reward Points earned can be redeemed through the EDGE Loyalty Rewards Catalogue in multiple ways:
E-Vouchers
Redeem EDGE Points for e-vouchers from popular brands including Amazon, Flipkart, and various lifestyle and retail brands. This offers flexibility and immediate value for your accumulated points.
Travel Bookings
Use EDGE Points for flight and hotel bookings, making your travel more economical whilst reducing out-of-pocket expenses.
Merchandise
Exchange EDGE Points for products from the comprehensive rewards catalogue including electronics, appliances, lifestyle products, and accessories.
Statement Balance
Redeem EDGE Points against your credit card statement balance to reduce your outstanding amount.
To Access Catalogue: Visit the EDGE Loyalty Rewards Catalogue through Axis Bank's website or mobile app to explore redemption options and check your available points balance.
Decathlon & Amazon Voucher Worth ₹750
Receive a Decathlon and Amazon voucher valued at ₹750 as a welcome benefit upon card issuance. This voucher effectively offsets your first year's annual fee of ₹749 + GST.
Usage:
Valid at any Decathlon store across India
Valid for online purchases on Decathlon's website
Can be used for sports equipment, fitness gear, outdoor adventure products, and sportswear
Free Doctor Consultations via Practo
48 Complimentary Video Consultations Per Year
Enjoy 4 free video doctor consultations per month (48 annually) through Practo, India's leading healthcare platform. These consultations are inclusive of the primary cardholder and up to 3 family members, providing comprehensive healthcare support.
Access Details:
Log in to https://axisbankaura.poshvine.com/ using your registered mobile number
Book consultations with qualified doctors across various specialisations
Receive medical advice, prescriptions, and health guidance remotely
Convenient access from home without travel or waiting time
Value: At typical consultation rates of ₹300-₹500 per session, this benefit alone can provide ₹14,400-₹24,000 in annual value.
Interactive Fitness Sessions via Fitternity
48 Live Interactive Video Sessions Per Year
Access 4 complimentary interactive video fitness sessions per month (48 annually) through Fitternity, offering personalised guidance from certified fitness trainers.
Session Details:
Live, interactive sessions with professional trainers
Personalised feedback and form corrections
Variety of workout styles including yoga, strength training, cardio, dance fitness
Flexible scheduling to suit your routine
Value: At typical rates of ₹500-₹1,000 per session, this represents substantial annual savings.
Recorded Fitness Sessions
192 Complimentary Recorded Sessions Per Year
Access 16 recorded fitness sessions per month (192 annually) through Fitternity for on-demand workout convenience.
Benefits:
Work out at your own pace and schedule
Access to diverse workout categories
No time constraints or scheduling conflicts
Perfect for maintaining consistency whilst travelling
Access: Log in to https://axisbankaura.poshvine.com/ to access both interactive and recorded fitness sessions.
Annual Health Check-Up Discount
Receive annual discounts of up to ₹500 on full-body health check-ups, encouraging regular preventive healthcare and early detection of potential health issues.
Benefits:
Comprehensive health monitoring at reduced cost
Early detection of health concerns
Peace of mind through regular check-ups
Applicable on partner diagnostic centres and health packages
Nutritional & Diet Consultation Discount
Enjoy minimum 30% discount on nutritional and diet consultations from renowned partner nutritionists.
Value:
Professional dietary guidance at affordable rates
Personalised meal planning and nutrition advice
Support for weight management, health conditions, and fitness goals
Access to qualified nutrition experts
Discount on Nutritional Food
Receive minimum 30% discount on nutritional food purchases from partner brands and retailers.
Benefits:
Makes healthy eating more economical
Supports your commitment to nutritious diet
Wide range of healthy food options
Encourages better food choices
Axis Bank Dining Delights Programme
Enjoy up to 15-20% discount on dining bills at partner restaurants across India through the Axis Bank Dining Delights Programme.
Terms:
Discount: 15-20% off up to ₹500 maximum discount
Minimum Order Value: ₹2,500
Frequency: Valid once per card per month
Participating Restaurants: Wide network of partner restaurants across India
To Access: Check the Axis Bank website or mobile app for the list of participating restaurants in your city.
Fuel Surcharge Waiver
Enjoy 1% fuel surcharge waiver on fuel transactions at all fuel stations across India.
Terms:
Transaction Range: ₹400 to ₹4,000 per month
Maximum Benefit: ₹250 per statement cycle
Applicable: All fuel outlets nationwide
Automatic: Waiver applied automatically to eligible transactions
Value: For regular drivers, this benefit can provide up to ₹3,000 in annual fuel savings.
Up to 50 Days: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage cash flow efficiently and plan your payments strategically.
Benefit from enhanced security with EMV certified chip card technology. All credit card transactions are chip and PIN enabled for your protection, reducing the possibility of counterfeit and skimming frauds.
Make quick, secure, and convenient payments by simply tapping your Axis Bank AURA Credit Card at participating merchants for transactions up to ₹5,000 without entering your PIN.
Convert large purchases into easy monthly instalments through Axis Bank's EMI facility. Check with partner merchants for EMI options at point of sale, or contact customer care post-purchase to convert eligible transactions into EMIs.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹749 + GST (~₹884) | One-time charge when the card is issued. |
| Annual Fee | ₹749 + GST (~₹884) | Charged every year. No annual fee waiver available from 2nd year onwards. |
| Interest Rate (APR) | 3.4% per month (40.8% annually) | Applicable on outstanding balances and revolving credit. Also referred to as 49.36% annually in some sources. |
| Foreign Currency Markup | 3.5% | Applicable on all international transactions. |
| Cash Advance Fee | 3.4% or ₹500 (whichever is higher) | Charged on cash withdrawals. Minimum ₹500. |
| Cash Advance Limit | As per available credit limit | Varies by cardholder based on credit limit assigned. |
| Late Payment Charges | ₹0 to ₹1,100 | Varies based on total amount due. Up to ₹300: Nil; ₹301 to ₹1,000: ₹400; ₹1,001 to ₹10,000: ₹750; Above ₹10,000: ₹1,100 |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹600) | Charged when spending exceeds credit limit. |
| Payment Return Charges | ₹500 | Charged when payment cheque/ECS/NACH is returned/dishonoured. |
| Card Replacement Fee | ₹100 | Charged for lost, stolen, or damaged card replacement. |
| Duplicate Statement Fee | ₹100 per statement | Charged for requesting duplicate physical statements. |
| Railway Ticket Purchase Fee | As levied by IRCTC | Charges as prescribed by Indian Railways/IRCTC. |
| GST | 18% | Applicable on all fees, interest, and charges mentioned above. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 18 to 70 years |
Add-On Cardholder Age | Minimum 15 years (18 years according to some sources) |
Citizenship | Indian Residents and Non-Resident Indians (NRIs) eligible |
Credit Score | Good CIBIL score (minimum 750) recommended for approval |
Income | Stable source of income required (salaried or self-employed); specific income requirement communicated by bank during application |
Employment | Both salaried and self-employed individuals can apply |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card, or any other government-approved photo ID |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Ration Card, Utility Bill (electricity/water/gas, not more than 2-3 months old), Landline Telephone Bill, or any other government-approved address proof |
| Income Proof | For Salaried: Latest 1-2 salary slips (not more than 3 months old), Form 16, recent bank statements. For Self-Employed: Audited ITR acknowledgement, bank statements showing business income, financial statements |
| PAN Card | Mandatory for credit card issuance |
| Passport-Size Photograph | Recent colour photograph of the applicant |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Axis Bank AURA Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Health Consultations | Use all 4 free video doctor consultations monthly via Practo for yourself and family members to extract maximum health value. Log in to https://axisbankaura.poshvine.com/ to book appointments for medical advice, prescription renewals, and health concerns. |
Leverage Fitness Benefits | Attend 4 interactive fitness sessions monthly and access 16 recorded sessions to maintain consistent workout routines. This provides professional fitness guidance worth thousands annually. |
Schedule Annual Check-Up | Utilise the ₹500 discount on annual health check-ups for preventive healthcare monitoring. Regular monitoring helps detect potential health issues early. |
Consult Nutritionists | Take advantage of minimum 30% discount on diet consultations to receive professional nutritional guidance for weight management, health conditions, or fitness goals. |
Buy Nutritional Food | Use the minimum 30% discount on nutritional food purchases to make healthy eating more affordable whilst supporting your wellness journey. |
Pay Insurance Premiums | Always pay health, life, and general insurance premiums using your AURA card to earn 5X EDGE Points (1% value-back) on transactions up to ₹10,000. |
Track Reward Points | Monitor your EDGE Points balance through the Axis Bank mobile app or net banking. Plan redemptions for maximum value through the EDGE Loyalty Rewards Catalogue. |
Utilise Dining Benefits | Plan monthly dining at partner restaurants to enjoy 15-20% discount (up to ₹500) on bills above ₹2,500. Check the Dining Delights partner list regularly. |
Optimise Fuel Savings | Fill petrol/diesel in transactions between ₹400-₹4,000 to receive 1% surcharge waiver (maximum ₹250 monthly). This provides up to ₹3,000 annual savings. |
Use Welcome Voucher | Redeem your ₹750 Decathlon voucher for sports equipment, fitness gear, or outdoor adventure products to support your active lifestyle. |
Convert Large Purchases to EMI | For significant health equipment purchases, medical expenses, or fitness gear, consider converting to EMI for better cash flow management. |
Set Up Auto-Pay | Enable auto-pay for full statement balance payment to avoid the 40.8% annual interest rate and maintain excellent credit history whilst enjoying the 50-day interest-free period. |
Use Contactless Payments | Utilise the contactless feature for transactions up to ₹5,000 for quick, secure purchases without PIN entry, especially convenient for routine payments. |
Avoid Cash Advances | Refrain from cash withdrawals as they incur high fees (3.4% or minimum ₹500) and immediate interest charges without any interest-free period. |
Pay On Time | Always pay at least the minimum amount due before the due date to avoid late payment charges ranging from ₹400 to ₹1,100 and negative credit score impact. |
The Axis Bank AURA Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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