Best travel cards

5% – 10% special benefit on travel spends
5% benefit
You earn 5 EDGE Miles worth ₹5 , on every ₹100 spent you spend on travel purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal)

– Travel purchases means airline & hotel purchases done on Axis Travel EDGE Portal , and on direct airline & hotels (not on online and offline travel agents).
– Direct airline spends are purchases made at airline-owned websites, airline counters, and airline helpline numbers. On the other hand, direct hotel spends are purchases made at hotel-owned websites and hotel counters.
– Bookings made through travel agents, including private travel agents, corporate travel agents, online travel agencies, or their websites/IVR systems, are eligible for only 2 Miles for every ₹100 spent (basIC BENEFIT).

10% benefit
You earn 5 EDGE Miles worth 10 partner points (of airlines & hotels) , on every ₹100 spent you spend on travel purchases. Since 1 EDGE Mile = 2 partner points.

If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of much more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors.

Airline & Hotel partners
– Airline partners: AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
– Hotel partners: Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts
– On all partners, 1 EDGE Mile = 2 partner points, except Marriott International where 1 EDGE Miles = 1 partner point.

2% – 4% basic benefit on all other spends
2% benefit
You earn 2 EDGE Miles worth ₹2 , on every ₹100 spent you spend on all other purchases. (since 1 EDGE Mile = ₹1, when you redeem EDGE Miles for airline & hotel bookings on Axis Travel EDGE Portal)

4% benefit
You earn 2 EDGE Miles worth 4 partner points (of airlines & hotels) , on every ₹100 spent you spend on all other purchases. Since 1 EDGE Mile = 2 partner points.

Exceptions : you do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance (amount > ₹5000), and wallet recharge.

Renewal fee offers / anniversary & milestone benefits – based on annual spend targets & renewal fee payment
1. If you spend ₹3 lakhs (silver tier) & pay renewal fee of ₹5000 : you get 5,000 EDGE Miles, worth ₹5000 OR worth 10,000 partner points
2. If you spend ₹7.50 lakhs lakhs (gold tier) & pay renewal fee of ₹5000 : you get 10,000 EDGE Miles,
3. If you spend ₹15 lakhs (platinum tier) & pay renewal fee of ₹5000 : you get 15,000 EDGE Miles

As you can see, the card is virtually free is you spend ₹3 lakhs or more per year.

Complimentary international & domestic lounge Access – based on tier based system
International lounges :
– Silver Tier (on annual card spend of ₹3 lakhs) : 4 free visits
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 6 free visits
– Platinum Tier (on annual card spend of ₹12 lakhs) : 12 free visits

Domestic lounges :
– Silver Tier (on annual card spend of ₹3 lakhs) : 8 visits
– Gold Tier (on annual card spend of ₹7.5 lakhs) : 12 visits
– Platinum Tier (on annual card spend of ₹12 lakhs) : 18 visits

Booking process : For international lounge access, you need to book via the Axis Bank mobile app. And for domestic lounge access, you have two options: book through the Axis Bank mobile app or swipe your card at the lounge (a non-refundable transaction of ₹2/- will be made on the credit card for authentication).

Complimentary concierge services – for Gold & Platinum Tier cardholders only
Gold and Platinum tier cardholders are eligible to enjoy complimentary concierge services.
– Gold Tier : 2 times
– Platinum Tier: 4 times

Silver-tier cardholders do not have access to complimentary concierge services.

Complimentary airport pick up services – only for Platinum Tier cardholders

20% discount on domestic & international hotel bookings – on EaseMyTrip Website/app
– You get 20% discount on domestic hotel bookings on EaseMyTrip , on a maximum booking amount of ₹25,000 (since the maximum discount is ₹5000). You can avail this discount once per month.
– You get 20% discount on international hotel bookings on EaseMyTrip , on a maximum booking amount of ₹50,000 (since the maximum discount is ₹10,000). You can avail this discount once per month.
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above) – 0.50% benefit

10% discount on domestic & international flight bookings – on EaseMyTrip Website/app
– You get 10% discount on domestic flight bookings on EaseMyTrip , on a maximum booking amount of ₹10,000 (since the maximum discount is ₹1,000). You can avail this discount once per month.
– You get 10% discount on buying international flight tickets on EaseMyTrip , on a maximum booking amount of ₹50,000 (since the maximum discount is ₹5,000). You can avail this discount once per month.
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)

Upto 25% discount on bus ticket bookings – on EaseMyTrip Website/app.
– You get ₹125 off on bus ticket bookings , on a minimum ticket booking of ₹500. You can avail this discount once per month.
– In addition to the above, you also earn 2 reward points worth ₹0.50, on every ₹100 you spend on above EaseMyTrip spends (including EaseMyTrip spends beyond the monthly limits described above)

2.50% benefit on hotel and airline websites/apps/outlets spends : You earn 10 rewards points worth ₹2.50, on every ₹100 spent at the standalone hotel and airline websites/apps/outlets.

0.50% basic benefit on all other spends : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India : You enjoy 1 domestic airport lounge visit per calendar quarter

Complimentary airport lounge access outside India : You get free Priority Pass membership worth USD 99, AND you also enjoy 2 free international lounge access per year

✔︎ On spends upto 1.50 lakhs spend per month
6% – 12% special benefit on travel spends, via Travel EDGE (5X)
â–  6% benefit on travel spends – if you redeem reward points for cashback : You earn 30 EDGE reward points worth ₹6 , on every ₹100 you spend on travel. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
â–  12% benefit on travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 30 EDGE reward points worth 12 partner points (of airlines & hotels) , on every ₹100 you spend on travel. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
â–  Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank on which it offers the best deals on flights & hotels from various travel suppliers.

1.20% – 2.40% benefit on all non-travel spends (X)
â–  1.20% benefit on all non-travel spends – if you redeem reward points for cashback : You earn 6 EDGE reward points worth ₹1.20 , on every ₹100 you spend on all non-travel spends. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
â–  2.40% benefit on all non-travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 6 EDGE reward points worth 2.40 partner points (of airlines & hotels) , on every ₹100 you spend on all non-travel spends. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Exceptions : You do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance spends (amount > ₹5000), and wallet recharge.

If one assumes an average rate of 1 partner point = ₹1, then you get 10% benefit in ₹ terms. The conversion rate could be less, but many people extract a value of much more than ₹1 per partner point. Hence we have mentioned here an average rate of ₹1 per partner point to give you an indication. The conversion rate depends on many factors.

✔︎ On spends above 1.50 lakhs spend per month
17.50% – 35% special benefit on travel spends, via Travel EDGE  (5X)
â–  17.50% benefit on travel spends – if you redeem reward points for cashback : You earn 87.50 EDGE reward points worth ₹17.50, on every ₹100 you spend on travel. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
â–  35% benefit on travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 87.50 EDGE reward points worth 35 partner points (of airlines & hotels) , on every ₹100 you spend on travel. Since 5 EDGE reward points = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
â–  Travel bookings need to be done on Travel EDGE, a travel portal from Axis Bank on which it offers the best deals on flights & hotels from various travel suppliers.

3.50% – 7% benefit on all other spends (X)
â–  3.50% benefit on all non-travel spends – if you redeem reward points for cashback : You earn 17.50 EDGE reward points worth ₹3.50 , on every ₹100 you spend on all other purchases. (since 1 EDGE reward point = ₹0.20 or 20 paise cashback)
â–  7% benefit on all non-travel spends – if you redeem reward points for partner points of airlines & hotels : You earn 17.50 EDGE reward points worth 7 partner points (of airlines & hotels) , on every ₹100 you spend on all other purchases. Since 5 EDGE reward point = 2 partner points, OR 1 EDGE reward point = 0.40 partner points.
■ Exceptions : You do not earn any EDGE Miles on fuel surcharge waiver transactions, insurance spends (amount > ₹5000), and wallet recharge.

Airline & Hotel partners
■ Airline partners : AirAsia, Air Canada, Air France – KLM, Ethiopian Airlines, Etihad Airways, Japan Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, Spicejet, Thai Airways, Turkish Airlines, United Airlines, Vistara
â–  Hotel partners : Accor, ITC, IHG Hotels and Resorts, Marriott International Wyndham Hotels & Resorts

✔︎ Unlimited complimentary airport lounge access – both in India and abroad
International lounges
You enjoy unlimited complimentary international lounge visits through the Priority Pass Program. You are allowed 8 guest visits per calendar year. To access eligible lounges, please visit www.prioritypass.com.

Domestic lounges
– You enjoy unlimited complimentary domestic lounge visits in India, including your add-on card holder.
– You need to swipe your Axis Bank Magnus Credit Card at the eligible airport lounges to avail your free visits. A transaction of Rs.25/- will be made on the credit card for authentication, which will be reversed within 24 working hours.
– For full details and list of lounges, please click here Axis Magnus Domestic Lounges Program. And refer to section called ‘participating lounges for Set B’.

✔︎ Complimentary airport concierge service – 8 times per year
– You receive complimentary Airport Meet & Greet Services (includes assistance with airport processes like check-in, security check, immigration, and porter services) – 8 times per year
– You can use the services for yourself and your accompanying guests.
– The services are valid for domestic and international departures/arrivals at 16 airports across India.
– Bookings must be made at least 48 hours in advance.

✔︎ Entertainment benefits
BookMyShow Benefits
– You get upto ₹500 off on the second ticket , when you purchase one ticket
– This offer is valid on both movie or non-movie bookings
– You can use this offer upto 5 times within the same month

EazyDiner Benefits (Axis Bank Eazy Diner Program)
– You enjoy a 40% discount (up to ₹1000), at partner restaurants all over India.
– Minimum order amount of ₹2500
– Offer is valid once a month

Upto 20% discount on domestic flight bookings – on Yatra website/app : You get a ₹1000 discount on minimum flight ticket amount of ₹5000. Hence, you get a 20% discount if the flight booking amount is ₹5000, but the percentage of discount falls as the ticket amount increases above ₹5000.

20% discount on domestic hotel bookings – on Yatra website/app : You get a 20% discount on domestic hotel bookings on Yatra , on bookings between ₹3000 and ₹10000 (since discount is applicable only on minimum hotel booking amount of ₹3000, and maximum discount is ₹2000). On booking amounts above ₹10,000, the discount% will fall below 20%.

Upto 10% discount on international flight bookings – on Yatra website/app : You get a ₹4,000 discount on minimum flight ticket amount of ₹40000.Hence, you get a 10% discount if flight booking amount is ₹40000, but the discount% falls as the ticket amount increases above ₹40000.

(You can avail above discount offers maximum 6 times a year, by using a specified discount code on Yatra)

Special 1.50% benefit on spends at departmental stores, grocery, dining, movies, entertainment spends : You earn 6 Reward Points worth ₹1.50, on every ₹100 you spend at departmental stores, grocery, dining, movies, and entertainment – only on total combined spends of upto ₹83,333 per month (since you can earn a maximum of 5000 reward points in your monthly card statement cycle).

Special 1.50 % benefit on international spends : You earn 6 Reward Points worth ₹1.50, on every ₹100 you spend on international spends – only on spends upto ₹83,333 per month  (since you can earn a maximum of 5000 reward points in your monthly card statement cycle).

Basic 0.25% benefit on all other spends : You earn 1 reward point worth  ₹0.25,  on every ₹100 you spend on all other purchases.

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver at all fuel stations across India,
– only on fuel transactions between ₹500 and ₹3000 AND
– only on fuel spends upto ₹10,000 per month  (since the waiver amount is capped at ₹100 per monthly card statement cycle)

₹499 annual fee
– Welcome offer : You get Yatra vouchers worth ₹8250, on payment of the 1st year annual fee.
– Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹1,00,000 or more in the previous year.

Complimentary ‘air accident cover’ : You get an air accident cover of ₹50 lakhs , from the New India Assurance Co. Ltd.

3.33% benefit on all spends (except the 2 categories mentioned below) : You earn 3.33 reward points worth ₹3.33, on every ₹100 you spend on your card (since 1 reward point = ₹1)

2% benefit on utilities, supermarkets, insurance, property management, schools & government payments : You earn 2 reward points worth ₹2,, on every ₹100 you spend on your card (since 1 reward point = ₹1)

No reward points on fuel purchases 

1 complimentary golf round per month, AND 1 complimentary golf lesson per month : Program is brought to you through Golflan. All bookings need to be made through Golflan. For list of applicable golf courses and all terms and conditions, please look at the last section of the enclosed document – SCB Golflan Golf Program

Complimentary visits to airport lounges in India – upto 4 times per quarter : This program is brought to you by Visa

Complimentary visits to airport lounges outside India – 1 time per month : You get complimentary Priority Pass membership worth USD 99 per year. You also get 1 free visit per month, if the minimum card spend in the previous month is ₹20,000.

5% cashback on aiirport duty-free spends : You earn 5% cashback on duty-free spends, on duty free spends of upto ₹20,000 per month (since maximum cashback is restricted to ₹1,000 per monthly card statement cycle)

2% foreign transaction fee : You enjoy reduced foreign currency fee of 2%, on the value of all foreign currency transactions

Insurance covers
✓ Air Accident Insurance : The Standard Chartered Ultimate Credit Card provides an accidental air death cover worth ₹1 Crore
✓ Travel Insurance Policy : In case of emergencies during travel, the card offers various kinds of coverage, such as
– Baggage delay: Sum insured of USD100
– Loss of baggage & personal documents: Sum insured of USD 750
– Flight delay: Sum insured of USD 200
– Emergency medical expenses: Sum insured of USD 25,000
For full details & terms & conditions, please refer here.

1% – 3.33% basic benefit rate on all purchases.
â–  3.33% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  1.66% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  1% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.
Note – no reward points are given on rent payments & property management services, government transactions, fuel purchases, EMI transactions, and e-wallet loading transactions

3% – 10% special benefit rate on
– Flipkart purchases
– rail tickets bookings
(done via HDFC Smartbuy platform)
â–  10% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  5% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  3% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

5% – 16.6% special benefit rate on
– buying instant vouchers
– flights & bus booking
– Apple purchases
(done via HDFC Smartbuy platform)
â–  16.6% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  8.3% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  5% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

10% – 33.33% special benefit rate on
– hotels booking
– purchases on gifting website – IGP.com
(done via HDFC Smartbuy platform)
â–  33.3% benefit rate – if you redeem your reward points for flights & hotel bookings, Apple products and Tanishq vouchers via HDFC Smartbuy platform. 1 reward point = ₹1 on these redemption options.
â–  16.6% benefit rate – if you redeem your reward points for vouchers and products via HDFC Smartbuy platform. 1 reward point = ₹0.50 or 50 paise on these redemption options.
â–  10% benefit rate – if you redeem your reward points for cashback. 1 reward point = ₹0.30 or 30 paise on cashback redemption.

Limits & Restrictions on 3X-10X accelerated rewards : You can earn a maximum of 15,000 special reward points per calendar month on the 3X – 10X categories described above.

Unlimited complimentary airport lounge access – both within India and abroad :
– You enjoy unlimited complimentary lounge access at airports within and outside India.
– International lounge access is available at 1,000+ airport lounges using Priority Pass. This benefit is also available for add on cardholders.

Unlimited free golf rounds in India & abroad. And unlimited free coaching lessons in India :
– You enjoy unlimited complimentary golf games at top courses across India , and select courses worldwide.
– Additionally, you enjoy unlimited complimentary golf coaching at chosen golf courses in India.

Hotel & dining with ITC Hotels :
– You can enjoy a 3-night stay at participating ITC hotels, and only pay for two nights.
– Additionally, you get a 1+1 complimentary buffet offer at participating ITC Hotels across India.

Club Marriott Membership for 1 year : You receive a complimentary one-year Club Marriott Membership, granting you exclusive privileges such as:
– 15-20% discount on food and beverage bills at restaurants, for a maximum of 10 guests
– Upto 20% discount on best available room rates at participating Marriott hotels in India, and on weekend rates in Asia Pacific.
– 20% discount on spa services at select participating Marriott hotels in India, from Monday to Friday.

Complimentary insurance benefits 
– accidental air death cover worth ₹3 crore
– emergency overseas hospitalisation coverage of up to ₹50 lakhs
– lost card liability cover of up to ₹9 lakhs.

1% fuel surcharge waiver : You get 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹1,00,000 AND
– on upto ₹1,00,000 fuel spend per month, since the maximum waiver is capped at ₹1000 per monthly card statement cycle

Dining benefits : You get a 15% discount (capped at ₹1000) on all bill payments via Swiggy Dineout at 20,000+ restaurants , and a complimentary Swiggy One Membership Upgrade.