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The Axis Bank AURA Credit Card is a health and fitness card from Axis Bank. You get complimentary video fitness sessions, complimentary video doctor consultations, and a discount on your annual health checkup.

However the reward rates on card spending are low.

Brief Summary

Our Rating
3.50 / 5


Our View :

Best for health and fitness focused individuals . You get complimentary video fitness sessions (4 per month), complimentary video doctor consultations (4 per month), and discount on your annual health checkup (₹500 discount). You also get benefits through Axis Bank’s partnerships with Eazydiner and other partners which are show-cased on the Axis Grabdeals platform.

You get a welcome offer of ₹750 (voucher from Decathlon). However there is no spend-based renewal fee offer, which is offered on many other cards.

on Axis Bank website

Axis Bank AURA Credit Card

Special Benefits

Complimentary fitness sessions and doctor consultations

Other Benefits

₹500 off on annual health check-up

Minimum Income

Not specified

Annual Fee

₹ 749

Annual Fee Offers

Welcome offer worth ₹750

Axis Bank AURA Credit Card : Summary Table

Complimentary video doctor consultations via Practo – 4 per month – You enjoy complimentary video doctor consultations – 4 per month.
– You can avail this service along with 3 of your family members, but within the limit of total 4 consultations per month.
– This program is brought to you through Practo, one of India’s leading integrated healthcare companies.

For more details, please click here.
Complimentary video fitness sessions via Fitternity – 20 per month (4 interactive sessions, 16 video sessions) – You enjoy complimentary interactive video fitness sessions – 4 per month. You also get access to 16 recorded sessions per month
– Only the primary cardholder can avail this complimentary service.
– This program is brought to you through Fitternity, a one-stop-destination for fitness enthusiasts

For more details, please click here.
₹500 discount on annual health check up, via Indus Health Plus – You get a ₹500 discount on your annual health check up.
– You can avail this service once per year.
– This program is brought to you through Indus Health Plus, one of India’s leading preventive health check-up company.

For details, please click here .
1% benefit on insurance spends, 0.20% benefit on all other card spends – You earn 1 EDGE reward point worth 20 paise , on every ₹100 you spend on your card.
– On insurance spends, you get 5X benefits, i.e. you earn 5 EDGE reward point worth ₹1, on every ₹100 you spend on insurance

1 EDGE reward point = ₹0.20 or 20 paise.
Dining benefits via EazyDiner (Dining Delights program)– 15% discount at over 4000 restaurants– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500. Minimum order amount of ₹2,500.
– Hence you get a 15% discount on an order between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15%, since maximum discount is fixed at ₹500.
Fuel surcharge waiverYou get 1% fuel surcharge waiver –
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases of upto ₹25000 per month (since the maximum waiver amount is fixed at ₹250 per monthly card statement cycle)
749 annual fee
Annual fee offers – 
Welcome offer :
You get a Decathlon voucher worth ₹750

Pros & Cons

Benefits of using the Axis Bank AURA Credit Card

  • Best for health and fitness focused individuals . You get complimentary video fitness sessions ( 4 per month), , complimentary video doctor consultations (4 per month), and discount on your annual health checkup (₹500 discount).
  • You also get benefits through Axis Banks partnerships with Eazydiner and other partners which are show-cased on the Axis Grabdeals platform.

Limitations and drawbacks to consider

  • The reward rates on card spending are low – 0.20%.

Full Review of the Axis Bank AURA Credit Card

Features & Benefits of Axis Bank AURA Credit Card

Complimentary video doctor consultations – 4 per month

You enjoy complimentary video doctor consultations – 4 per month. You can avail this service along with 3 of your family members, but within the limit of total 4 consultations per month. You will be connected to highly qualified, well experienced and Practo verified doctors across 22 specialties. You can see doctor’s complete profile during consultation.

You will also get flat 20% off on all prescription medicine orders, lab tests, and health check-ups ordered via the Plus membership section inside the Practo app. Delivery charges are applicable.

This program is brought to you through Practo, one of India’s leading integrated healthcare companies. You can avail this benefit by logging into https://axisbankaura.poshvine.com. In case any assistance is required, you can reach out to concierge/helpdesk at 1800 572 7960 or at axisbankaura@poshvine.com

For more details, please click here.

Complimentary interactive video fitness sessions – 4 per month

You enjoy complimentary interactive video fitness sessions – 4 per month. You also get access to 16 recorded sessions per month. Only the primary cardholder can avail this complimentary service.

This program is brought to you through Fitternity, a one-stop-destination for fitness enthusiasts. You can avail this benefit by logging into https://axisbankaura.poshvine.com. In case any assistance is required, you can reach out to concierge/helpdesk at 1800 572 7960 or at axisbankaura@poshvine.com

For more details, please click here.

₹500 discount on annual health check up

You get ₹500 discount on your annual health check up. You can avail this service once per year.

This program is brought to you through Indus Health Plus, one of India’s leading preventive health check-up company. You can avail this benefit by logging into https://axisbankaura.poshvine.com. In case any assistance is required, you can reach out to concierge/helpdesk at 1800 572 7960 or at axisbankaura@poshvine.com

For details, please click here .

1% benefit on insurance spends, 0.20% benefit on all other card spends

Dining Benefits – Dining Delights Program

Fuel surcharge waiver

Other Cardholder Benefits

Easy EMI conversionCustomers can convert their credit card purchases of ₹2,500 or more into easy EMIs.The program offers the convenience of paying back in parts rather than the entire amount upfront. However it is best to pay your credit card in full, and only use such facilities if you face a financial emergency.
24/7 customer supportPlease click here for all the options to contact the bank for various issues and escalations
Contactless payment– Look for the contactless network symbol on your card to determine if your credit card is contactless.
– In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.

Important Card Fees and Charges

Annual fee and annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹749Welcome offer : You get a Decathlon voucher worth ₹750. Please click here for details.
Renewal fee from 2nd year onwards₹749Nil

Late payment fee

Late payment fees depends on the total payment due

Total bill amount dueLate payment charges
Less than ₹500None
Between ₹501 – ₹5000₹500
Between ₹5,001 – ₹10,000₹750
More than ₹10,001₹1200

Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges
3.60% per month

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Axis Bank AURA Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholder – 18 years
Add-on cardholder – 15 years
Maximum age70 years
Occupation Salaried, self-employed
Minimum income requirementsNot specified
Credit scoreNot specified , preferably above 700-750

Application Process & Tracking Application Status

Step-by-step guide to applying for the card

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy
– To apply, simply provide your personal details such as your mobile phone number, income, PAN number, along with the required documents 
– Review your application and click submit.
Await confirmation from Axis Bank regarding the status of your application.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Approval timeline and application statusThe credit card decision would be communicated within maximum 21 working days, in most cases. In certain cases, it could take longer especially if the bank would want more information and/or documents from you

Please click here to track the status of your Axis Bank Credit Card application.

Necessary documents and verification

Required documents 
– PAN card photocopy or Form 60
– Colour photograph
– Income proof : Latest payslip/Form 16/IT return copy 
– Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill
– Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card

Please note that this list is only indicative. Documents required may vary on a case-to-case basis.

Conclusion

The Axis Bank AURA Credit Card rewards program allows you get a variety of health and fitness benefits – from complimentary fitness sessions and doctor consultations, to discount on your annual health check-up. Hence it is suitable for those who are health and fitness focused.

However the reward rates on card spending are low.

Apply Now

on Axis Bank website

Frequently Asked Questions

How do I apply for the Axis Bank AURA Credit Card?

The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the Axis Bank website. You can also visit official website of the bank and fill out the application form.

How does the Axis Bank AURA Credit Card’s rewards program work?

The Axis Bank AURA Credit Card rewards program allows you get a variety of health and fitness benefits – from complimentary fitness sessions and doctor consultations, to discount on your annual health check-up.Hence it is suitable for those who are health and fitness focused. However the reward rates on card spending are quite low.

Is the Axis Bank AURA Credit Card equipped with contactless payment technology?

Yes, the Axis Bank AURA Credit Card is contactless-enabled, allowing you to make quick and secure payments by simply tapping the card at enabled terminals. This feature enhances convenience and speeds up transactions.

Can I convert high-value purchases into easy monthly instalments?

Yes, the Axis Bank AURA Credit Card offers the option to convert high-value purchases into convenient monthly instalments with attractive interest rates. This feature provides flexibility in managing expenses and helps you budget effectively. However it is best to pay off your card bill in full and only use this feature in case of emergencies.

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