Axis Bank AURA Credit Card

The Axis Bank AURA Credit Card is a wellness-focused lifestyle credit card designed specifically for health-conscious individuals seeking affordable access to comprehensive health and wellness benefits. Launched during the pandemic to address the growing focus on health and wellbeing, this card combines essential credit card rewards with curated health services powered by partnerships with leading wellness providers including Poshvine, Practo, Fitternity, IndusHealth Plus, Decathlon, and 1MG.With an affordable joining and annual fee of just ₹749, the AURA card offers exceptional value through free doctor consultations, interactive fitness sessions, health checkup discounts, nutritional counseling, and exclusive Decathlon and Amazon vouchers. The card also provides standard credit card benefits including fuel surcharge waivers, EDGE Reward Points, dining discounts, and 5X accelerated rewards on insurance spends, making it an ideal choice for young professionals and families prioritizing health, fitness, and overall wellness.

Axis Bank AURA Credit Card

Joining Fees	749
Annual Fees	749
Card Type	Travel, Rewards
Network Type	Visa

Rewards & Benifits

Rewards & Benefits

Free Doctor Consultations: 4 video doctor consultations free per month via Practo for medical advice and prescriptions
Interactive Fitness Sessions: 4 free online interactive personal training sessions per month plus 16 pre-recorded sessions by celebrity fitness trainers via Fitternity
Health Checkup Discount: Annual discount up to ₹500 on health checkups via IndusHealth Plus
Nutritional Counseling: Minimum 30% discount on nutritional/diet consultation from renowned nutritionists
Nutritional Foods Discount: Minimum 30% discount on nutritional foods
EDGE Reward Points: Earn 2 EDGE Reward Points per ₹200 spent on all eligible purchases
5X Rewards on Insurance: Earn 5X EDGE Reward Points on insurance spends (maximum transaction amount capped at ₹10,000)
Fuel Surcharge Waiver: 1% fuel surcharge waived on transactions between ₹400 to ₹4,000 per month (maximum benefit ₹250 per statement cycle)
Dining Delights Program: Up to 15% discount (up to ₹500 off) at partner restaurants in India with minimum order value of ₹2,500 (valid once per card per month)
Wednesday Travel Offers: Instant savings of up to 15% on flights and hotels via Goibibo and MakeMyTrip every Wednesday
EMV Chip Security: EMV certified chip credit card with chip and PIN enabled transactions for enhanced fraud protection
Zero Liability Protection: Protection against fraudulent purchase transactions (not valid for ATM and PIN/Password/OTP/mPIN/CVV based transactions)

Fees & Charges

Joining Fee: ₹749 + GST
Annual Fee: ₹749 + GST (2nd year onwards); No spend-based waiver available
Add-on Card Fee: Nil (free add-on cards)
Finance/Interest Charges: 3.75% per month (55.55% per annum) on unpaid balances
Cash Withdrawal Fee: 2.5% of cash amount (minimum ₹500)
Late Payment Fee: Nil if total payment due is less than ₹500; ₹500 if between ₹501-₹5,000; ₹750 if between ₹5,001-₹10,000; ₹1,200 if greater than ₹10,000; Additional ₹100 if MAD not paid for two consecutive cycles
Over-limit Fee: 2.5% of over-limit amount (minimum ₹500)
Foreign Currency Markup: 3.5% of transaction value
Dynamic Currency Conversion (DCC) Markup: 1.5% of transaction amount + taxes (on international transactions in Indian currency)
Fuel Surcharge Waiver: 1% waived for transactions between ₹400 to ₹4,000 (maximum ₹250 per statement cycle); GST on fuel surcharge is non-refundable
Rent Transaction Fee: 1% per transaction + GST
Cheque Return/Dishonour Fee: 2% of payment amount (minimum ₹500)
Cash Payment at Branches: ₹175
EDGE Reward Points Redemption Fee: Yes (specific amount not mentioned on official page)
Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle
Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle
Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle
Education Payment Fee: 1% per transaction via third-party apps
Online Skill-Based Gaming Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle

Card Details

Product Details

Credit Limit: Determined based on bank's policy and applicant's creditworthiness
Interest-Free Period: 20 to 50 days depending on transaction date relative to statement generation
EDGE Reward Points Value: 2 EDGE Reward Points per ₹200 spent (1% reward rate); 1 EDGE Reward Point equals ₹0.20 in redemption value
Wellness Benefits Access: Login to https://axisbankaura.poshvine.com to access and book all health and wellness benefits
Add-on Card Eligibility: Add-on cardholder should be over 15 years of age
Wellness Partners: Poshvine, Practo (doctor consultations), Fitternity (fitness sessions), IndusHealth Plus (health checkups), Decathlon, 1MG
Benefit Validity: All ongoing wellness benefits (fitness sessions, doctor consultations) cease immediately upon card cancellation, conversion to another card, payment default, or breach of card member agreement
Card Security: EMV chip enabled for enhanced security against counterfeit and skimming frauds
EMI Conversion: Available for converting purchases into easy monthly installments
Terms Update: Terms and conditions updated effective from June 20, 2025

Pros & Cons

Pros

Affordable Annual Fee: Just ₹749 + GST, one of the most affordable lifestyle cards
Comprehensive Wellness Benefits: Unique health-focused features including free doctor consultations and fitness sessions
Free Doctor Consultations: 4 video consultations per month via Practo (worth ₹2,000+ annually)
Free Fitness Sessions: 4 interactive personal training + 16 pre-recorded sessions monthly (worth ₹3,000+ annually)
Health Checkup Discount: Up to ₹500 annual discount on preventive health checkups
Nutritional Support: 30% discount on diet consultation and nutritional foods
Fuel Surcharge Waiver: Up to ₹250 monthly savings on fuel transactions
5X Rewards on Insurance: Accelerated earning on insurance premiums
Dining Discounts: 15% off at partner restaurants (up to ₹500 monthly)
Free Add-on Cards: No charges for add-on cards for family members
Accessible to Young Professionals: Low fee structure makes it ideal for first-time premium card users

Cons

No Annual Fee Waiver: No spend-based annual fee waiver option available
Low Base Reward Rate: Only 1% reward rate (2 points per ₹200) on regular spends
High Interest Rate: 3.75% per month (55.55% per annum) is quite steep
Limited Fuel Benefit: Only ₹250 monthly fuel surcharge waiver versus higher limits on other cards
Multiple Transaction Fees: Charges on rent, wallet loads, utilities, education payments, and gaming above certain thresholds
Reward Redemption Fee: Fee applicable for redeeming EDGE Reward Points
Benefits Cease on Default: All wellness benefits stop immediately upon payment default or card cancellation
Limited Fuel Cap: Insurance rewards capped at ₹10,000 transaction amount
Wellness Benefit Restrictions: Fitness and doctor consultation bookings cannot be edited or cancelled once made
No Lounge Access: Does not include complimentary airport lounge access
Modest Welcome Benefit: ₹750 voucher is decent but not exceptional compared to premium cards

ELIGIBILITY CRITERIA

Age: Primary cardholders must be between 18 and 70 years of age

Residency: The individual should be a resident of India

Type: Available for both salaried and self-employed individuals

Add-on Card Eligibility: Add-on cardholder should be over 15 years of age

Documents Required (Indicative):

Identity proof: PAN Card, Aadhaar Card, Passport, Voter ID, Driving License
Address proof: Passport, Ration Card, Driving License, Electricity Bill, Landline Telephone Bill
Income proof: Salary slips, ITR, Form 16 (documents may vary case-by-case)

Note: The above eligibility criteria are indicative only. Axis Bank reserves the right to approve or decline applications based on creditworthiness, repayment capacity, and internal policies. Document requirements may vary on a case-by-case basis.

WELCOME BENEFITS

Decathlon & Amazon Voucher Worth ₹750:

Cardholders receive a combined voucher of ₹750 as welcome benefit upon card issuance
The voucher can be used at any Decathlon store or for online purchases
Can also be redeemed as Amazon voucher for online shopping

Immediate Access to Wellness Benefits:

4 video doctor consultations per month via Practo activated immediately
4 interactive fitness sessions + 16 pre-recorded sessions per month via Fitternity
Access to health checkup discounts via IndusHealth Plus
30% discount on nutritional consultation and foods

How to Access:

Login to https://axisbankaura.poshvine.com after card activation
All wellness benefits become active upon first card use
Welcome voucher details communicated via SMS/email post card activation

CARD REVIEW

The Axis Bank AURA Credit Card is best suited for health-conscious individuals, young professionals, and families who prioritize wellness and want affordable access to comprehensive health benefits. The card offers exceptional value for money at just ₹749 annual fee, providing wellness benefits worth over ₹5,000 annually including free doctor consultations (48 per year), fitness sessions (48 interactive + 192 pre-recorded), health checkup discounts, and nutritional counseling. The fuel surcharge waiver and dining discounts add practical everyday value. However, limitations include no annual fee waiver option, modest 1% base reward rate, high interest charges, and multiple transaction fees on utilities, rent, and wallet loads. The card works best for those who actively utilize the health and wellness benefits rather than seeking high reward rates. It’s an excellent starter premium card for wellness-focused individuals.

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Axis Bank AURA Credit Card