Axis Bank Aura Credit Card Review: Pros, Cons and Best Features

Are you looking for a credit card that offers benefits across multiple categories such as travel, health, entertainment, dining and fuel? If yes, then you might want to consider the Axis Bank Aura Credit Card.

The Axis Bank Aura Credit Card is a comprehensive card that caters to various needs and preferences of the customers.

It offers lounge access at select airports in India and abroad, complimentary health check-ups and discounts on health services, reward points on every spend and accelerated rewards on online shopping, cashback on movie tickets, dining and fuel, insurance cover for personal accident, air accident and lost card liability, zero lost card liability and EMV chip security, easy EMI conversion and balance transfer options and more.

But is this card worth applying for? What are the pros and cons of this card? How does it compare with other similar cards in the market? In this article, we will review the Axis Bank Aura Credit Card in detail and help you decide whether it is the right card for you or not.

Benefits and Features of Axis Bank Aura Credit Card

Let’s start by looking at the benefits and features of the Axis Bank Aura Credit Card. Here are some of the highlights of this card:

  • Lounge access: You can enjoy complimentary lounge access at select airports in India and abroad up to four times a year. You can also avail a 25% discount on lounge access fees at select airports in India through Mastercard Lounge Program.
  • Health benefits: You can get four free health check-ups per year at select diagnostic centers across India. You can also get up to 20% discount on health services such as consultations, tests, treatments and surgeries at select hospitals, clinics and pharmacies across India.
  • Reward points: You can earn 4 reward points for every Rs. 200 spent on the card. You can also earn 8 reward points for every Rs. 200 spent on online shopping. You can redeem your reward points for cashback or vouchers from various brands and categories.
  • Cashback: You can get 10% cashback on movie tickets, dining and fuel transactions up to Rs. 100 per month. You can also get 1% fuel surcharge waiver on fuel transactions up to Rs. 4000 per month.
  • Insurance cover: You can get a personal accident cover of up to Rs. 5 lakhs, an air accident cover of up to Rs. 2.5 crores and a lost card liability cover of up to Rs. 50,000. You can also get a purchase protection cover of up to Rs. 50,000 for any loss or damage of goods purchased using the card within 90 days of purchase.
  • Security and convenience: You can enjoy zero lost card liability and EMV chip security features that protect your card from fraud and misuse. You can also manage your card online or through mobile app with features such as bill payment, balance transfer, EMI conversion, statement request, PIN change and more.
Axis Bank Aura Credit Card

These are some of the benefits and features of the Axis Bank Aura Credit Card that make it a comprehensive card for various needs and preferences. But how does it compare with other similar cards in the market? Let’s find out.

Eligibility and Fees of Axis Bank Aura Credit Card

Before we compare the Axis Bank Aura Credit Card with other cards, let’s first look at the eligibility criteria and documents required to apply for this card. Here are the details:

  • Eligibility criteria: To apply for this card, you need to be an Indian resident aged between 18 and 70 years. You also need to have a good credit score and a stable income source.
  • Documents required: To apply for this card, you need to submit your identity proof, address proof, income proof and PAN card along with your application form.

Now that we know the eligibility criteria and documents required to apply for this card, let’s look at the fees and charges associated with Axis Bank Aura Credit Card. Here are the details:

  • Joining fee: The joining fee for this card is Rs. 750 plus GST. However, you can get this fee waived off if you spend Rs. 5000 or more within 45 days of card issuance.
  • Annual fee: The annual fee for this card is Rs. 750 plus GST from the second year onwards. However, you can get this fee waived off if you spend Rs. 1 lakh or more in a year.
  • Interest rate: The interest rate for this card is 3.4% per month or 49.36% per annum. This is one of the highest interest rates among credit cards in India.
  • Finance charges: The finance charges for this card are calculated from the date of transaction till the date of payment. The minimum amount due is 5% of the total outstanding balance or Rs. 200, whichever is higher.
  • Cash withdrawal fee: The cash withdrawal fee for this card is 2.5% of the amount withdrawn or Rs. 500, whichever is higher. This is also one of the highest cash withdrawal fees among credit cards in India.
  • Overlimit fee: The overlimit fee for this card is 3% of the overlimit amount or Rs. 500, whichever is higher.
  • Late payment fee: The late payment fee for this card is as follows:
Total Payment DueLate Payment Charges
Up to Rs. 300Nil
Rs. 301 – Rs. 500Rs. 100
Rs. 501 – Rs. 1000Rs. 300
Rs. 1001 – Rs. 5000Rs. 500
Rs. 5001 – Rs. 20000Rs. 600
Above Rs. 20000Rs. 700
  • Cheque bounce fee: The cheque bounce fee for this card is Rs. 300 per cheque.
  • GST and other taxes: The GST and other taxes are applicable as per the prevailing rates.
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These are some of the fees and charges associated with the Axis Bank Aura Credit Card that you need to be aware of before applying for this card. But how does it compare with other similar cards in the market? Let’s find out.

Axis Bank Aura Credit Card

Pros and Cons of Axis Bank Aura Credit Card

Now that we have seen the benefits, features, eligibility, fees and charges of the Axis Bank Aura Credit Card, let’s summarize the pros and cons of this card. Here are some of the pros and cons of this card:

  • Pros:
    • A comprehensive card that offers benefits across multiple categories such as travel, health, entertainment, dining and fuel.
    • A low annual fee that can be waived off on meeting certain spending criteria.
    • A generous reward program that can be redeemed for cashback or vouchers from various brands and categories.
    • A range of insurance covers that provide peace of mind.
    • A secure and convenient card that can be managed online or through mobile app.
  • Cons:
    • A high interest rate and finance charges that can add up if not paid in full.
    • A limited lounge access that is restricted to select airports and partners.
    • A low cashback percentage that is capped at a certain amount per month.
    • A high cash withdrawal fee and overlimit fee that can increase the debt burden.
    • A strict eligibility criteria that may not suit everyone’s profile.

These are some of the pros and cons of the Axis Bank Aura Credit Card that you need to weigh before applying for this card. But what is our verdict on this card? Let’s find out.

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How to Apply for the Axis Bank Aura Credit Card ?

To apply for the Axis Bank Aura Credit Card, you need to follow these simple steps:

  • Click on the below button to visit Personalised page for this card.
  • Enter basic details such as name, email and pincode.
  • Search for the Axis Bank Aura Credit Card and click on the “Apply Now” button.
  • Fill in your personal and professional details and submit your online application form.
  • Upload your documents such as identity proof, address proof, income proof and PAN card online.
  • Get instant approval and track your application status online or through the app.
  • Receive your card at your doorstep within a few days.

Apply Now

Apply for the Axis Bank Aura Credit Card today

That’s it! You have successfully applied for the Axis Bank Aura Credit Card. You can also contact Rapidloans.in for any requirements, even after the card has been issued.

So, what are you waiting for? Apply for the Axis Bank Aura Credit Card today and enjoy the benefits of this comprehensive card. Hurry, limited period offer!

Final Verdict

The Axis Bank Aura Credit Card is a comprehensive card that offers benefits across multiple categories such as travel, health, entertainment, dining and fuel.

It has a low annual fee that can be waived off on meeting certain spending criteria. It also has a generous reward program that can be redeemed for cashback or vouchers from various brands and categories.

However, it also has some drawbacks that you need to consider before applying for this card. It has a high interest rate and finance charges that can add up if not paid in full.

It also has a limited lounge access that is restricted to select airports and partners. It also has a low cashback percentage that is capped at a certain amount per month.

It also has a high cash withdrawal fee and overlimit fee that can increase the debt burden. It also has a strict eligibility criteria that may not suit everyone’s profile.

So, should you apply for the Axis Bank Aura Credit Card or not?

Well, it depends on your needs and preferences. If you are looking for a comprehensive card that offers benefits across multiple categories and you can pay your bills in full every month, then this card might be a good option for you.

However, if you are looking for a low-interest rate card or a card with unlimited lounge access or a card with higher cashback percentage or a card with lower fees and charges or a card with easier eligibility criteria, then you might want to look for other options in the market.

We hope this article has helped you understand the Axis Bank Aura Credit Card better and make an informed decision about whether to apply for it or not.

If you have any questions or feedback on this article, please feel free to share them in the comments section below.

Thank you for reading and happy banking!

FAQs

What is the Axis Bank Aura Credit Card?

The Axis Bank Aura Credit Card is a credit card launched by Axis Bank that is exclusively designed to cater to the health and wellness needs of individuals.

What are the fees for the Axis Bank Aura Credit Card? 

The annual fee for the Axis Bank Aura Credit Card is Rs. 749.

What are some of the features of the Axis Bank Aura Credit Card?

Some of the features of the Axis Bank Aura Credit Card include free doctor consultations, free fitness sessions, discounts on health checkups, and up to 5X reward points on selected categories.

What are some of the benefits of the Axis Bank Aura Credit Card?

Some of the benefits of the Axis Bank Aura Credit Card include a Decathlon gift voucher worth Rs. 750 as a welcome gift, free video doctor consultations via Practo, free fitness sessions through Fitternity, and discounts on annual health checkups via Indushealthplus.

Who is the Axis Bank Aura Credit Card best suited for?

The Axis Bank Aura Credit Card is best suited for individuals who are health-conscious and interested in fitness and nutrition programs.

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