Axis Bank started its first RuPay credit card called INDIANOIL Credit Card on June 7, 2022. This card was launched together with the National Payments Corporation of India (NPCI).
Unlike Visa or Mastercard credit cards, the main reason for this card was to allow customers to use their credit card on UPI. It is a contactless card, so people can pay easily without swiping or using cash. With this launch, Axis Bank entered the RuPay credit card space and made credit card payments more useful for daily UPI payments via Apps.
This move made RuPay credit cards very popular for daily Indian spending, like kirana shop, fuel, mobile recharge and small payments. Because people can now pay using a credit card on UPI, usage increased fast. As reported by CNBC TV18, by October 2024, UPI-linked RuPay credit cards recorded around 750 million transactions in India. From the start till that time, the total payment value crossed ₹63,825.8 crore, showing strong adoption by common users.
Latest Update For Axis RuPay Cards
On December 17, Axis Bank added one more RuPay credit card with Google Pay and launched the Google Pay Flex Credit Card. This launch is important because it is Google Pay’s first credit card built mainly for UPI usage, not for normal swipe-based card spending.
Axis Bank does not share any official public data about how many RuPay credit cards it issues or which card is used the most. So, this article lists the top 7 most popular Axis Bank RuPay credit cards based on public availability, customer adoption, bank promotion, and real-life usage trends.
Axis Bank may also have other RuPay variants that are not actively promoted. Since the Google Pay Flex Credit Card is newly launched, its real performance will be clear only after user usage data comes in. Let’s focus on best axis rupay cards here –
Trending Axis Bank RuPay Credit Cards (Simple Explanation)
| Card Name | Main Use in Daily Life | Annual Fee | UPI Payment via Apps | Extra Real Talk |
|---|---|---|---|---|
| Airtel Axis RuPay | Mobile recharge, WiFi bill, cashback | ₹500 | ✅ Yes | Good if the Airtel bill comes every month. Otherwise not much use |
| Axis My Zone RuPay | Movies, food, and Swiggy offers | ₹500 (Limited by Life-time Free offer) | ✅ Yes | Mostly lifestyle card, benefits depend on offers running |
| IndianOil Axis Card | Petrol or diesel savings | ₹500 | ✅ Yes | Best if you fill fuel regularly from IndianOil pumps |
| Axis Neo RuPay | Online shopping, small cashback | ₹250 (Lifetime free as per offer) | ✅ Yes | Low fee, easy to manage, good starter card |
| Axis KWIK Credit Card | Instant digital usage | Low | ✅ Yes | Approval is fast, but limits are usually low |
| Axis SuperMoney Card | Daily UPI payments | Low | ✅ Yes | Useful for people who pay via UPI everywhere |
| Fibe Axis Credit Card | Building your credit score | Variable | ✅ Yes | Approval depends on profile, limits start small |
1. Axis Bank Airtel RuPay Credit Card
The Airtel Credit Card remains one of the strongest cards in 2026 for telecom and utility savings. With RuPay + UPI integration, users can now use this credit card for daily scan-and-pay transactions at shops.
Cashback & Rewards
- 25% cashback on Airtel Mobile, Broadband, WiFi and DTH payments via Airtel Thanks app (monthly cap)
- 10% cashback on utility bill payments through the Airtel Thanks app (monthly cap)
- 10% cashback on Swiggy, Zomato and BigBasket spends (monthly cap)
- 1% unlimited cashback on all other spends, including RuPay UPI payments
Fees & Benefits
- Joining / Annual Fee: ₹500 + GST
- Fee Waiver: If yearly spending crosses ₹2 lakh
- Welcome Benefit: ₹500 Amazon voucher after first transaction within 30 days
Extra Perks
- Airport Lounge Access: 4 domestic visits per year (spend-based condition)
- Fuel Surcharge Waiver: 1% (monthly cap applies)
- Dining Offers: Up to 15% discount via the EazyDiner program
Best For
Airtel SIM, broadband, and DTH users who regularly pay recharges, utility bills, and food orders.
Limitations
Cashback has monthly caps, so heavy spenders may hit limits quickly. Value reduces if you don’t use Airtel services.
Easemoney View
A top RuPay cashback credit card if you are inside the Airtel ecosystem. Outside Airtel usage, benefits are average — not a universal card.
2. My Zone Credit Card
The MyZone Credit Card is an entry-level lifestyle credit card mainly made for movies and food spending. Because it is a RuPay card, it also supports UPI payments, which is useful for daily scan-and-pay at shops.
Best for – People who regularly book movie tickets, order food online, and want basic lifestyle benefits at a low yearly cost.
Top Benefits
- Movie Offer: Buy One Get One free movie tickets via the District app (Paytm Movies), up to ₹200 per month
- Food Offer: Flat ₹120 off on Swiggy orders (minimum ₹500), available twice a month
- OTT Benefit: Free **SonyLIV Premium annual subscription (offer-based)
- Shopping: Discount offers on AJIO during selected campaigns
- Dining: Up to 15% discount at partner restaurants via EazyDiner
Lounge & Travel
- Airport Lounge: 1 domestic lounge visit per quarter
- Condition: Minimum ₹50,000 spent in the previous 3 months
- Fuel Waiver: 1% surcharge waiver on fuel spends (monthly cap applies)
Fees & Rewards
- Annual Fee: ₹500 + GST (often offered First-Year Free or Lifetime Free during promotions)
- Renewal Benefit: 1,000 EDGE reward points on ₹1.5 lakh annual spend
- Reward Rate: 4 EDGE points per ₹200 spent (low value)
- No rewards on fuel, rent, utilities, or insurance payments
UPI Usage (RuPay)
You can link this card to PhonePe, GPay, or BHIM and earn standard reward points on eligible UPI merchant payments.
Limitations
The reward value is low, many categories are excluded, and the benefits are mostly useful only for entertainment spending.
Insights –
Good as a second RuPay card for movies and food. Try to get this at the lifetime free offer. However, you can read this article here – Axis My Zone Card Review: Benefits, Limit, Fees
3. Axis IndianOil Credit Card
The IndianOil RuPay Credit Card is a fuel-focused credit card made mainly for people who refill regularly at IndianOil (IOCL) petrol pumps. Since it is a RuPay card, it also supports UPI for non-fuel daily payments.
Good For
Bike and car owners who mostly refuel at IndianOil pumps and want fixed, predictable fuel savings.
Fuel & Reward Benefits (2026)
- 4% value-back on fuel: Earn 20 EDGE points per ₹100 spent at IOCL (Valid for ₹400–₹4,000 per transaction, capped at 1,000 points per month)
- 1% fuel surcharge waiver: Monthly cap applies
- Online shopping: Around 1% value-back on eligible online spends
- Other spends: Base reward points on remaining categories
Fees & Waiver
- Joining / Annual Fee: ₹500 + GST
- Fee Waiver: Free if yearly spending crosses ₹3.5 lakh (Older users may still have a lower waiver limit)
- Welcome Benefit: 100% cashback up to ₹250 on the first fuel transaction at IOCL
UPI & Lifestyle Use
- UPI Payments: Can be linked to PhonePe, CRED, or BHIM for merchant scan-and-pay
- Movies: 10% instant discount on BookMyShow
- Dining: Up to 15% off via EazyDiner (bill value condition applies)
- Lounge Access: Not included in standard card (available only in Premium variant)
Other Points
- Instant virtual card available after approval through Axis Bank app
- Fuel rewards are monthly capped, so very heavy fuel users may hit limits
Our View
A solid RuPay fuel card if IndianOil is your regular fuel station. Outside fuel benefits, value is limited — not ideal as an all-purpose credit card.
4. NEO Credit Card
The Neo RuPay Credit Card is a low-cost credit card mainly made for first-time users who spend on food delivery, grocery apps, and mobile recharges. Because it runs on RuPay, it also supports UPI, which is useful for daily scan-and-pay usage.
If you are a student, a first-time credit card user, or anyone looking for a Lifetime Free RuPay card for UPI and app-based spending.
Core Benefits & Discounts
- Zomato: Flat ₹120 off twice a month (minimum order ₹499)
- Utility Bills (Paytm): 5% off on mobile, DTH, and broadband recharges (up to ₹150/month, min ₹299)
- Blinkit: 10% off once per month (up to ₹250 on ₹750 spend)
- Myntra: Flat ₹150 off on select styles (minimum spend ₹999)
- Welcome Benefit: 100% cashback up to ₹300 on the first utility bill payment within 30 days
Fees & Rewards
- Joining / Annual Fee: ₹250 + GST
- Fee Status: Frequently offered as Lifetime Free (LTF) through digital channels
- Rewards: 1 EDGE point per ₹200 spent (very basic)
- No rewards on fuel, rent, utilities, insurance, or wallet loads
- Finance Charges: Around 3.75% per month (high, avoid revolving balance)
UPI & Card Features
- UPI Use: Can be linked with any third-party app – like CRED or Flipkart UPI.
- Security: EMV chip and zero lost card liability
- Dining: Up to 15% off at partner restaurants via EazyDiner
Important Note: Zomato discount usually works only when paying directly with card details, not via UPI.
Key Insight
This card is excellent for beginners and daily app offers. Most expert advice for card first-time applicants. Good for learning credit card usage and UPI payments, but not suitable for long-term reward building.
5. Axis KWIK Credit Card
The KWIK RuPay Credit Card is a virtual, app-based credit card launched by Axis Bank in partnership with the Kiwi platform. This card is built specially for UPI on credit, not for traditional swipe or offline card usage.
How This Card Is Different
- Unlike lifestyle cards like My Zone or cashback cards like Airtel Axis,
- This card focuses mainly on fast UPI usage, instant approval, and zero fees.
- It is more useful for daily merchant UPI payments than for rewards or luxury benefits.
Core Benefits & Rewards (2026)
- UPI Rewards: 2 EDGE points for every ₹200 spent on eligible transactions
- Kiwi App Cashback: Around 1% cashback on UPI Scan & Pay via the Kiwi app (earned as “Kiwis”, where 4 Kiwis = ₹1)
- Fuel Benefit: 1% fuel surcharge waiver on ₹400–₹4,000 transactions (₹150 monthly cap)
- Lounge Access: Not standard; sometimes unlocked through Kiwi milestone offers
Fees & Charges
- Joining & Annual Fee: ₹0 (Lifetime Free card)
- Finance Charges: Around 3.6%–3.7% per month (very high, avoid carrying a balance)
Card Use & Management
- Instant Virtual Card: Issued immediately after approval
- UPI Linking: Can be connected to PhonePe, GPay, or BHIM instantly
- Reward Exclusions: No rewards on rent, insurance, wallet loads, jewellery, government payments, or UPI spends below ₹2,000
Limitations
- Rewards are flat and basic
- Very few lifestyle or shopping offers
- Not useful for long-term reward optimisation
6. Super.Money Credit Card
The SuperMoney Credit Card has become one of the best RuPay cards for UPI usage in 2026, especially after its cashback rules were updated. This card is made mainly for people who use UPI Scan & Pay regularly.
What’s New & Useful
- 3% cashback on UPI Scan & Pay done through the super.money app
- New condition (from Jan 1, 2026): To fully earn the 3% cashback, you must first earn 1% cashback from other spends (like online shopping or UPI via other apps)
- Unlimited 1% cashback on all other eligible UPI and non-UPI spends
- Lifetime Free card: No joining fee, no annual fee
- Direct cashback: Money is credited straight to your card statement every month
Extra Benefits & Rules
- Welcome Offer: 100% cashback up to ₹500 on first Flipkart UPI payment
- Fuel Benefit: 1% fuel surcharge waiver on ₹400–₹4,000 transactions
- No cashback on rent, insurance, fuel, gold, wallet loads, or education payments
- Minimum spend rule: Transactions below ₹100 do not earn cashback
How to Apply
This card is invite-only and can be applied for only through the super.money app.
Key Factor
If you mainly do UPI Scan & Pay, this card gives real cashback without points or fees. Just remember: to get the full 3%, you must stay active with other spends too.
7. Fibe Axis RuPay Card
The Fibe Credit Card is a modern, digital-first credit card made for users who prefer direct cashback instead of reward points. It is also India’s first numberless credit card, focusing strongly on security and UPI usage.
Cashback & Usage Benefits
- 3% flat cashback on popular digital spends:
Zomato, Swiggy, Blinkit, BookMyShow, Uber, and Ola - 1% cashback on all merchant UPI payments
- Cashback is credited monthly, not in points
Security & Card Features
- Numberless card: No card number, CVV, or expiry printed on the card
- All details are safely stored inside the Fibe app
- Even if the card is lost, the physical misuse risk is very low
Travel & Extra Benefits
- Airport Lounge Access: 1 domestic visit per quarter (Spend ₹50,000 in the previous 3 months)
- Instant Virtual Card: Available immediately after Video KYC
Fees & Limits
- Annual Fee: ₹499 + GST
- Lifetime Free: Often offered if applied through the Fibe app
- Cashback has monthly caps, so very high spenders may hit limits
Quick Comparison – If most of your spending is on Zomato and Uber, this card gives more real value than Axis Neo (where discounts are limited) or Axis My Zone (which mainly gives reward points).
Here, the cashback comes straight to your card bill every month, so savings are clear and easy to see.
Axis Bank RuPay Cards Wise – Eligibility Comparison
| Credit Card | Age Range | Approx Monthly Income | Job Type | Real-Life Note |
|---|---|---|---|---|
| Airtel Axis RuPay | 18–70 | ₹25,000 | Salaried / Self-employed | Better approval if you already use Airtel |
| My Zone RuPay | 21–60 | ₹20,000 | Salaried | Mostly taken for movies and food offers |
| IndianOil Axis RuPay | 21–60 | ₹20,000 | Salaried / Business | Works best if you refuel at IOCL often |
| Axis Neo RuPay | 18–60 | ₹15,000 | Salaried | Easy starter card, low income requirement |
| Axis KWIK RuPay | 18–60 | ₹15,000 | Salaried | Fully digital, quick approval, UPI focused |
| Fibe Axis RuPay | 18–60 | ₹15,000 | Salaried / Self-employed | App-based approval, cashback card |
| SuperMoney RuPay | 18–60 | ₹15,000 | Salaried | Invite-only, available via super.money app |
Important: These eligibility details are approximate. Final approval depends on CIBIL score, job stability, and Axis Bank internal checks.
Which RuPay Credit Card Should You Pick?
- For best UPI cashback: Fibe Axis RuPay, SuperMoney RuPay
- For Lifetime Free + UPI: Axis KWIK RuPay
- If you are an Airtel user: Airtel Axis RuPay
- For petrol OR diesel savings: IndianOil Axis RuPay
- First credit card, low income: Axis Neo RuPay
- Movies & food offers: Axis My Zone RuPay
Straight Fact: If your main spending is UPI Scan & Pay, go with Fibe or SuperMoney (if the invite comes). If you want zero tension, no fees, KWIK is safest. For recharge, fuel, or movies, choose a card based on your daily use.
Question Answers – FAQs
Is the RuPay credit card available for Axis Bank?
Yes, Axis Bank issues multiple RuPay credit cards like Neo, My Zone, Airtel, IndianOil, KWIK, Fibe, and SuperMoney, all supporting UPI payments for daily usage.
Is the Axis RuPay credit card Lifetime Free?
Some Axis RuPay cards are Lifetime Free, mainly KWIK, Neo, and SuperMoney, but offers depend on app channel, credit profile, and limited-time promotions, not guaranteed for everyone.
What is the annual fee for Axis RuPay cards?
Most Axis RuPay credit cards charge ₹250 to ₹500 plus GST annually; Airtel, My Zone, and IndianOil are ₹500, while Neo is ₹250, often waived on spending.
What are the disadvantages of RuPay credit cards?
Main disadvantages are limited international usage, fewer premium travel benefits, reward caps on cashback cards, and some offers working only via specific apps or payment methods.
Axis Bank RuPay credit card bill generation date?
Axis Bank RuPay credit card bill is usually generated monthly, commonly between 15th to 20th, but exact date depends on approval date and can be checked in Axis app.
Can I get Axis Bank RuPay credit card against FD?
Yes, Axis Bank offers RuPay credit cards against fixed deposit; minimum FD generally starts around ₹15,000, useful for low CIBIL users to build credit safely.
Do Axis Bank RuPay credit cards offer lounge access?
Lounge access on Axis RuPay cards is limited; My Zone, Airtel, and Fibe offer domestic visits with spend conditions, while Neo and KWIK usually have no lounge benefit.