By: OurMoneyGuide || Last updated on: May 9, 2024

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 rate on card spending is low.

Brief Summary

Our Rating

3.50 / 5

Best for health and fitness focused individuals. You get complimentary video fitness sessions (20 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.

Pros & Cons of Axis Bank AURA Credit Card

Pros

  • Best for health and fitness focused individuals. You get complimentary fitness sessions (20 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.

Cons

  • The reward rate on card spending is low

Features & Benefits of the Axis Bank AURA Credit Card

Complimentary interactive video fitness sessions through Fitternity – 20 per month (4 interactive sessions and 16 recorded 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. 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 video doctor consultations through 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. You will be connected to a 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.

₹500 discount on annual health check up – through 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. 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

You earn 2 EDGE reward points worth ₹0.40 (40 paise), on every ₹200 you spend on your card (meaning 1 EDGE reward point worth ₹0.20 on every ₹100 spent – 0.20% benefit)

On insurance, you earn 10 EDGE reward points worth ₹2, on every ₹200 you spend on your card (meaning 5 EDGE reward point worth ₹1 on every ₹100 spent – 1% benefit)

1 EDGE reward point = ₹0.20 or 20 paise. You can redeem EDGE reward points on Axis Bank EDGE Rewards platform for a range of gift vouchers, products, and more. You can access the Axis Bank EDGE Rewards platform through the Axis Bank EDGE Rewards Portal, mobile app, or Internet banking. Click here for more details.

Reward points are valid for 3 years.

Dining offers in partnership with EazyDiner (Dining Delights Program) : 15% discount (upto ₹500) once a month, at participating restaurants

This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500. 

Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.

This offer can be redeemed once every month.

Fuel surcharge waiver, upto ₹250 per month

You 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)

You need to meet both the above conditions to get fuel surcharge waiver. GST charged on fuel purchases is not refundable.

Axis Bank 24/7 customer care

Please click here for all the options to contact the bank for various issues and escalations.

Axis Bank AURA Credit Card Fees and Charges

Annual fee and annual fee offers

Annual fee
Annual 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
Minimum income requirementsNot specified
Credit scoreNot specified , preferably above 750

Application Process

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.
Tracking application statusPlease 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.