Explore the Axis Bank AURA Credit Card – a mid-range card offering lifestyle, health, dining & fuel benefits. Read our detailed review on fees, hidden charges, eligibility, and rewards.
Axis Bank AURA Credit Card Review – Fees, Benefits & Eligibility
The Axis Bank AURA Credit Card is a mid-variant lifestyle credit card designed for individuals who want healthcare perks, fitness benefits, dining discounts, and fuel surcharge waivers at an affordable annual fee. If you are looking for a practical credit card with decent everyday rewards, the AURA card is worth considering.
Axis Bank AURA Credit Card Fees & Charges
Here are the important charges you should know before applying:
- Joining Fee: ₹749 + 18% GST
- Annual Renewal Fee: ₹749 + GST (waived on milestone spends)
- Cash Withdrawal Fee: 2.5% of the amount or ₹500 (whichever is higher)
- Foreign Currency Mark-Up Fee: 3.5% per transaction
- Interest Rate: 3.6% per month (52.86% annually) on outstanding balance
- Late Payment Charges:
- ₹0 for dues between ₹0–₹500
- ₹500 for dues ₹501–₹5,000
- ₹750 for dues ₹5,001–₹10,000
- ₹1,000 for dues above ₹10,000
⚠️ Tip: Avoid late payments to save interest and protect your credit score.
Key Benefits of Axis Bank AURA Credit Card
This card offers well-rounded lifestyle and healthcare benefits:
1. Welcome Benefits
- Amazon Voucher worth up to ₹750 on card activation
2. Healthcare & Fitness Benefits
- Free Doctor Consultations: 4 per month via Practo
- Free Fitness Sessions: 4 live sessions monthly via Fitternity
- Annual Health Check-Up Discount: Up to ₹5,000 savings on health tests
3. Lifestyle & Everyday Perks
- Dining Delights: Up to 20% discount at partner restaurants across India
- Nutrition & Fitness Discounts: Flat 30% off on health programs and nutrition products
- Fuel Surcharge Waiver: 1% waiver on fuel spends between ₹400–₹4000 (max ₹250/month)
- EDGE Rewards:
- 2 EDGE Reward Points per ₹200 spent on retail spends
- 2 EDGE Reward Points per ₹200 spent on insurance transactions (capped at 1,000 points per month)
4. Security & Protection
- Zero Liability Protection: Safeguards you against fraudulent transactions once the card loss/theft is reported.
Eligibility Criteria
To apply for the Axis Bank AURA Credit Card, you need to meet the following requirements:
- Age: 18 to 70 years
- Documents Needed:
- PAN card copy
- Address proof (Aadhaar, Passport, Driving License, etc.)
- Income proof (Salary Slip/ITR/Bank Statement)
Final Verdict
The Axis Bank AURA Credit Card is best suited for health-conscious professionals and families who want affordable healthcare, fitness sessions, and lifestyle perks with a low annual fee. It’s a practical choice for those seeking value-added healthcare benefits alongside regular rewards and dining discounts.
If you’re looking for a budget-friendly card that blends lifestyle + health features, the AURA Credit Card is an excellent pick.
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