Axis Bank Titanium Smart Traveler Credit Card Review

Axis Bank provides various types of credit cards to cater to the need of its customers, and Axis Bank Titanium Smart Traveler Credit Card is one of them, this card is specially designed to offer the customer some travel-related benefits. The benefits offered by the card are reward and dining benefits, EMI facility, fee waiver, etc. Go through the article to know more about the card. 

Eligibility Criteria:

  • Resident Type: Indian.   
  • For salaried person:
    • Age: 18 to 70 years. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 18 to 70 years. 
    • Income: ₹25,000 monthly. 
  • Good relation with the bank. 
  • Good CIBIL score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent color passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Recent salary slip (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹250 + GST. (Can be waived off)
  • Annual Fee: None for 1st year & ₹100 + GST from 2nd year. (can be waived off)  


  • Reward benefit:

With this card, you can earn reward points from your every purchase. 

You will get 2 reward points for each ₹200 to spend with this card. 

You can also get 4 reward points for each ₹200 to spend on flight tickets, hotel booking, train tickets, Holiday booking, etc. 

This card also offers 8 reward points for international transactions. The minimum transaction amount is ₹200. 

You will not get any reward points for fuel purchases. You can redeem the earned reward points for flight and hotel bookings, you can also convert your earned reward points into air miles.   

  • Dining benefit:

With this card, you can enjoy dining at some premium restaurants in India with up to a 15% discount on your dining bills. 

This offer is applicable at some selected partner’s restaurants including KFC, TGI Fridays, Mohalla 80, The Oriental Blossom, etc. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges. This offer is applicable at any fuel station in India. 

The transaction amount should be between ₹400 to ₹4,000. You can win a maximum of ₹400 waivers in a month. 

  • Fee waiver:

You can get a waiver on your joining and annual fee.

If you can spend ₹2,500 within 45 days of the card issuance, you will get a 100% waiver on your joining fee. 

You can also get a 100% waiver on your annual fee, just spend ₹50,000 within a year and the annual fee of the next year will be waived off. 

  • EMI facility:

With your Axis Bank Titanium Smart Traveler Credit Card, you can convert any transaction of your card into EMI. The minimum transaction amount is ₹2,500. 

You can convert your purchase into EMI very easily through net banking, mobile app, or just by calling customer service.  

  • EMV chip Security:

This card comes with a build-in EMV chip, this chip is specially designed to ass more security to your transactions. 

Also, this card comes with advanced 3d security that means whenever you use this card for online transactions, you will get an OTP to authenticate and complete the transaction.  

  • Global Acceptance: 

This card is designed to be usable in most countries in the world. You can use this card at any outlet or e-commerce site where the MasterCard credit card is accepted. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount.   
  • Finance Charge: 3.25% monthly (for titanium card) & 2.95% monthly (for the gold card). 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call – 1860-419-5555

Mail – [email protected]

Dispute Resolution Process:

If you notice some unauthorized charges in your account, or there is some billing error, or if your card is lost or stolen. You should act first and report the problem to customer service. You can follow the steps given below.

  1. First of all, contact the customer service authority and describe to them your problem, and follow their instructions. In case of a lost card ask them to block your card immediately. 
  2. If you are not satisfied with the given service, you can take your complaint to the circle nodal officer. You can mail at [email protected] or you can call at +91-080-61865200. 
  3. If you do not get any response within 10 days, you can then contact the principal nodal officer, you can mail at [email protected] 
  4. If you are still not satisfied at stage 3, you can contact the banking ombudsman. You can find the contact details here  

But before going to the Banking Ombudsman, try to negotiate the issue with the bank.

100xGain Ratings:


Final Opinion:

Axis Bank Titanium Smart Traveller Credit Card is a low-cost travel credit card. It offers up to 4 reward points on domestic and up to 8 reward points for international transactions, 15% discount on dining bills at some selected restaurants, up to ₹400 fuel surcharge waivers in a month, etc. 

So, if you are looking for a low-budget travel credit card that can earn you big reward points and a discount on dining bills, this card can be a good choice for you. But if you are looking for a premium travel card with benefits like lounge access, hotel booking, golf, etc. you will be disappointed with it. 

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