The smart fuel card for everyday savings
1% on ₹400-₹4,000 transactions (max ₹150/month)
2 EDGE Reward Points per ₹200 spent on eligible transactions
1,250 EDGE Points worth ₹250
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| Benefit | Details |
|---|---|
| Best For | Digital users who prefer UPI-based payments and want a zero-fee credit card. |
| Welcome Gift | Get 1,250 EDGE Reward Points worth ₹250 as a welcome benefit. |
| Milestone Benefits | Earn additional reward points or e-vouchers on reaching specific annual spending thresholds |
| Low Annual Fee | Lifetime free credit card – no joining or annual fee applicable. |
| Fuel Surcharge Waiver | Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (maximum benefit ₹150 per month). |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank |
| Category | Rewards / Digital Payments |
| Type of Card | RuPay (Virtual Card) |
| Free or Paid | Lifetime Free (No Joining or Annual Fee) |
The Axis Bank KWIK RuPay Credit Card is a modern, virtual-first credit card crafted for users who prefer digital payments and UPI-based transactions. With no joining or annual charges, it provides a convenient, cost-effective way to earn rewards while enjoying seamless payment flexibility through UPI apps like Google Pay, PhonePe, and Paytm.
Instant Virtual Card: Get your credit card approved and activated instantly via the Kiwi app. Start transacting immediately without waiting for a physical card.
UPI Integration: Link your card with UPI apps to make secure credit transactions, combining the simplicity of UPI with the power of credit.
Reward Points: Earn 2 EDGE Reward Points for every ₹200 spent on eligible domestic and international transactions. Points can be redeemed for vouchers, merchandise, or cashback through the Axis EDGE Rewards portal.
Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, saving up to ₹150 every month.
Zero Annual Fee: The KWIK RuPay Credit Card is free for a lifetime, with no joining or renewal charges.
Global Usability: Though primarily UPI-linked, the card can be used for international purchases online where RuPay cards are accepted.
Earn 2 EDGE Reward Points per ₹200 spent on all eligible transactions.
Reward Points are credited within 7 working days.
No rewards on the following: wallet loads, rent, insurance, EMI, government payments, education, jewellery, and UPI spends below ₹2,000.
1% fuel surcharge waiver on spends between ₹400–₹4,000.
Maximum monthly benefit: ₹150.
Instant card issuance upon approval.
Fully digital, can be used instantly via Kiwi App or UPI apps.
No physical card is issued.
No joining fee or annual fee ever.
Perfect for users who want a zero-cost, maintenance-free credit card.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Nil | Lifetime free card. |
| Annual Fee | Nil | No annual renewal charges. |
| Finance Charges | 3.6% per month | Applied on unpaid balances. |
| Overlimit Fee | 2.5% (Min ₹500) | If spending exceeds credit limit. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | 18 to 70 years |
Age (Self-Employed Individuals) | Minimum 25 years |
Age (Retired Pensioners) | Above 40 years |
Maximum Age | Up to 70 years |
Occupation | Salaried / Self-Employed |
Other Criteria | Regular source of income, good credit score, valid PAN card, valid Aadhaar card or any government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card |
| Address Proof | Aadhaar Card (with first 8 digits masked) or any valid government-issued address proof |
| Income Proof | Salary slip, Income Tax Return (ITR), or other relevant documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your KWIK RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Make UPI Payments | Link your KWIK RuPay Credit Card to any UPI app like Google Pay, PhonePe, or Paytm and pay directly via UPI Credit. |
Earn EDGE Reward Points | Get 2 EDGE reward points for every ₹200 spent on eligible domestic and international transactions. |
Track Rewards | Monitor your EDGE Points and transaction history through the Axis Bank mobile app or internet banking. |
Redeem Rewards | Redeem accumulated EDGE Points for shopping, travel, or e-vouchers through the Axis Bank EDGE Rewards portal. |
Set Up Alerts | Enable spending alerts and usage controls in the Axis Bank app to prevent unauthorised transactions |
The Axis Bank KWIK RuPay 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.
Get your Axis Bank KWIK RuPay Credit Card in just a few simple steps