Axis Bank Aura Credit Card Review 

If you are a fitness enthusiast and are looking for a credit card that can match your lifestyle then the axis bank aura credit card is the card for you. Targeting the new generation of credit card users, this card offers powerful rewards with every transaction, attractive deals on healthcare categories, exclusive access to online healthcare sessions, and lots more. If you are interested, then make sure to go through the complete review to know more about the aura credit card axis bank benefits.

Who can apply for the aura axis bank credit card?

  • Resident Type: Indian
  • axis bank aura credit card eligibility criteria for salaried people:
    • Age: 21 to 60 years.
    • Income: Above Rs.45,000 monthly.
  • Axis bank aura credit card eligibility criteria for self-employed people:
    • Age: 21 to 65 years.
    • Income: Above Rs.50,000 monthly.
  • A credit score of 700+ is required to apply for this axis bank aura health credit card.

Who can apply for the axis bank aura credit card?

  • Photocopy of Address proof (any 1)
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the Axis Bank Aura credit card fees?

  • Axis bank aura credit card joining fee:Rs.749 + GST
  • Axis bank aura credit card annual fee: Rs.749 + GST (from the second year onwards)

What are the axis bank aura credit card benefits?

  • Incredible joining bonus:

With your axis bank credit card activation, you will receive a Decathlon voucher (worth Rs.750) as a welcome bonus. You can use this voucher at any Decathlon store or for online purchases.

  • Make your transactions more rewarding:

The axis bank aura credit card features a powerful reward scheme that adds more value to your transactions. 

Category of transaction

Reward points

Insurance premium payment (upto Rs.10,000 transaction) 5X rewards for every Rs.200 transaction
All other transactions 2 reward points for every Rs.200 transaction

You can check your axis bank credit card status using your net banking account.

  • Experience attractive deals on healthcare categories:

The aura credit card healthcare benefits are irreplaceable. The latest healthcare offers are as follows.

    • Upto Rs.500 discount every year on health checkups (click here to claim the benefit).
    • Min. 30% discount on diet consultation.
    • Min. 30% discount on nutritional foods.
    • 4 free doctor’s video consultations every month via the Practo app (click here to claim the benefits).
  • Get exclusive access to free healthcare sessions:

Your axis aura credit card gives you free access to online fitness sessions. You will get access to 4 live sessions and 16 recorded sessions every month. Click here to avail the benefits.

  • Dine with more delight:

Using this Axis health credit card you can enjoy up to 20% discount on your dining bills at some of the leading restaurants across the country.

  • Get freedom from fuel surcharges:

With the aura credit card axis bank offers a 1% waiver (up to Rs.250 in an axis bank credit card statement cycle) on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.400 to Rs.4,000.

  • Advanced security arrangements:

Your Axis aura card is equipped with an advanced EMV chip, this chip with its robust encryption method makes your card much more secure than before.

What are the axis bank aura credit card charges?


Chargeable amount

Cash withdrawal charge 3.4% against the transaction amount, min Rs.500 (make sure to check your axis bank aura credit card limit before making a withdrawal)
Finance charge 3.4% monthly (49.36% annually) (applicable if your axis credit card payment is not made in time)
Foreign currency conversion charge 3.5% against the transaction amount
Add-on card fee  None

How to contact the axis bank credit card customer care department?

  • Call the axis credit card customer care number: 1860-419-5555 / 1860-500-5555 / 022-6798-7700 or 040-67174100
  • Write to the axis credit card helpline mail id: 

100xGain Ratings:


Pros and cons:



  • The reward-earning rate of this card is quite impressive.
  • This aura credit card features attractive deals on healthcare categories.
  • You will not get any entertainment benefits from this card.

Final Opinion:

As mentioned before, this card is specifically designed for fitness lovers. You will get free access to online fitness sessions, exclusive discounts on healthcare categories, useful rewards on every transaction, and lots more. 

However, this card targets a specific group of credit card users, and if you are not one of them, this card won’t be that beneficial for you. In that case, I would recommend you take a look at the alternative card options given below. You can also visit our best credit cards page.

Alternative Cards:

  1. Flipkart Axis Bank credit card (Best for cash back, and dining benefits)
  2. Federal Bank Visa Celesta Credit Card (Best for reward points, lounge access, and movie benefits)
  3. HDFC Bank Bharat Credit Card (Best for cashback, and fuel benefits)

FAQs on Axis Bank Aura credit card:

  • What is the minimum salary for Axis credit card?

It generally depends on the card variant you are applying for. Generally, a regular Axis bank credit card requires a monthly income of Rs.35,000 to Rs.40,000. Also, if you have a low annual income, you can apply for a secured credit card.

  • What is Aura card?

The Axis Aura card is a healthcare credit card from Axis bank, designed specifically for fitness and healthcare enthusiasts.

  • What is the maximum limit of an Axis Bank credit card?

Limits on credit cards vary from cardholder to cardholder. The credit card limit you receive depends on your age, your income, your credit score, and the type of card you have.

  • How can I cancel my Axis Bank Aura credit card?

Simply visit your nearby Axis bank branch and submit your account closing application if you no longer want your old Axis bank credit card. After a few days, if your account doesn’t have any unpaid balance, it will be closed.

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