Key Fact Sheet

The Key Fact Sheet is updated as on 13-09-2022 and circulated by Axis Bank Ltd. in compliance with Master Circular on Credit Card Operations of Banks issued by the
Reserve Bank of India.
Retail Cards
PRIDE PLATINUM PRIDE SIGNATURE NEO MY ZONE INDIAN OIL AURA
Product Name KWIK Credit Card
Credit Card Credit Card Credit Card Credit Card Credit Card Credit Card
Joining Fee INR 0 INR 0 INR 250 INR 500 INR 500 INR 749 Nil
Annual Fee INR 250 INR 500 INR 250 INR 500 INR 500 INR 749 Nil
Waived on spends of Waived on spends of Waived on spends of
Annual Fee Waiver INR 20,000 in the INR 40,000 in the - - INR 50,000 in the - NA
preceding year preceding year preceding year
Interest Rate (p.a.) 41.75% 41.75% 52.86% 52.86% 52.86% 52.86% 52.86%
Cash Withdrawal 2.5% of cash amount 2.5% of cash amount 2.5% of cash amount 2.5% of cash amount 2.5% of cash amount 2.5% of cash amount 2.5% of cash amount
Fee (Minimum INR 500) (Minimum INR 500) (Minimum INR 500) (Minimum INR 500) (Minimum INR 500) (Minimum INR 500) (Minimum INR 500)

Partnership Cards
SPICEJET SPICEJET
LIC FREECHARGE FREECHARGE FLIPKART ACE AIRTEL
Product Name VOYAGE VOYAGE BLACK
Credit Cards Credit Card PLUS Credit Card Credit Card Credit Card Credit Card
Credit Card Credit Card
Joining Fee INR 0 INR 250 INR 350 INR 500 INR 499 INR 500 INR 750 INR 2,000
Annual Fee INR 0 INR 250 INR 350 INR 500 INR 499 INR 500 INR 750 INR 2,000
Waived on spends Waived on spends Waived on spends Waived on spends
Annual Fee of of of of
- - - -
Waiver** INR 50,000 in the INR 2,00,000 in the INR 2,00,000 in the INR 2,00,000 in the
preceding year preceding year preceding year preceding year
Interest Rate (p.a.) 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86%
2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash
Cash Withdrawal
amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum
Fee
INR 500) INR 500) INR 500) INR 500) INR 500) INR 500) INR 500) INR 500)

Partnership Cards
SAMSUNG SAMSUNG FLIPKART
Product Name SIGNATURE Credit INFINITE Credit SUPER ELITE
Card Card Credit Card
Joining Fee INR 500 INR 5000 INR 500
Annual Fee INR 500 INR 5000 INR 500
Waived on
Waived on spends Waived on spends
spends of
Annual Fee of of
INR 7,00,000 in
Waiver** INR 2,00,000 in the INR 2,00,000 in the
the preceding
preceding year preceding year
year
Interest Rate (p.a.) 52.86% 52.86% 52.86%
2.5% of cash 2.5% of cash 2.5% of cash
Cash Withdrawal
amount (Minimum amount (Minimum amount (Minimum
Fee
INR 500) INR 500) INR 500)

Affluent Cards
MILES & MILES &
VISTARA ATLAS VISTARA BURGUNDY
Product PRIVILEGE VISTARA SELECT MORE MORE World MAGNUS RESERVE REWARDS
SIGNATURE Credit INFINITE PRIVATE
Name Credit Card Credit Card Credit Card World Select Credit Card Credit Card Credit Card
Credit Card Card Credit Card Credit Card
Credit Card Credit Card
INR 1,500 INR 50,000 INR 1,000
(Waived for (Nil for
Joining Fee Priority INR 1,500 INR 3,000 INR 3,000 INR 3,500 INR 5,000 INR 10,000 INR 10,000 INR 10,000 Burgundy INR 50,000
Account Private
Holders) Clients)
INR 50,000 INR 1,000
(Nil for
Annual Fee INR 1,500 INR 1,500 INR 3,000 INR 3,000 INR 3,500 INR 5,000 INR 4,500 INR 10,000 INR 10,000 Burgundy INR 50,000
Private
Clients)
Waived on Waived on
Waived on Waived on
spends of spends of Waived on
spends of spends of Waived for Waived for
INR INR spends of
Annual Fee INR 2,50,000 INR 6,00,000 HON and HON and SEN
- - - - 15,00,000 in - 25,00,000 in INR 2,00,000
Waiver** in the in the SEN status status
the the in the in the
preceding preceding members* members*
preceding preceding preceding
year year
year year year
Interest
52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 42.58% 19.56% 42.58% 52.86%
Rate (p.a.)
2.5% of 2.5% of cash
2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash
Cash cash amount
amount amount amount amount amount amount amount
Withdrawal amount Nil Nil Nil (Minimum
(Minimum (Minimum (Minimum (Minimum (Minimum (Minimum (Minimum
Fee (Minimum INR 500)
INR 500) INR 500) INR 500) INR 500) INR 500) INR 500) INR 500)
INR 500)

Secured Cards
SECURED SECURED PLATINUM INDIAN OIL FLIPKART
INSTA EASY MY ZONE EASY PRIVILEGE EASY
Product Name GOLD SILVER SECURED AXIS BANK EASY SECURED Credit
Credit Card Credit Card Credit Card
Credit Card Credit Card Credit Card Credit Card Card
Joining Fee - - - - INR 500 INR 500 INR 500 INR 1,500
Annual Fee INR 0 INR 0 INR 200 INR 0 INR 500 INR 500 INR 500 INR 1,500
Waived on spends
Waived on spends Waived on spends Waived on spends of
Annual Fee of
- - - - of INR 50,000 in of INR 2,00,000 in INR 2,50,000 in the
Waiver** INR 1,00,000 in the
the preceding year the preceding year preceding year
preceding year
Interest Rate
49.36% 49.36% 49.36% 49.36% 49.36% 49.36% 49.36% 49.36%
(p.a.)
2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash
Cash 2.5% of cash amount
amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum amount (Minimum
Withdrawal Fee (Minimum INR 500)
INR 500) INR 500) INR 500) INR 500) INR 500) INR 500) INR 500)

Legacy Cards
VISA GOLD VISA SILVER BUZZ Credit MY WINGS MY CHOICE TITANIUM PLATINUM SIGNATURE INFINITE
Product Name
Credit Card Credit Card Card Credit Card Credit Card Credit Card Credit Card Credit Card Credit Card
Annual Fee INR 0 INR 0 INR 750 INR 500 INR 250 INR 100 INR 200 INR 1,000 INR 0
Waived on Waived on
spends of spends of
Annual Fee
- - - - - INR 50,000 in INR 1,00,000 in - -
Waiver**
the preceding the preceding
year year
Interest Rate
52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86% 52.86%
(p.a.)
2.5% of cash
2.5% of cash
2.5% of cash 2.5% of cash 2.5% of cash amount 2.5% of cash 2.5% of cash 2.5% of cash 2.5% of cash
amount
amount amount amount (Minimum amount amount amount amount
(Minimum
Cash Withdrawal (Minimum (Minimum (Minimum (Minimum (Minimum (Minimum (Minimum
INR
Fee INR 500) INR 500) INR 500) INR 500) INR 500) INR 500) INR 500)
500)
INR 500)

Version No: O0011108922_06_2022

**Rent transactions and Wallet load transactions will not be eligible for spends counted in availing annual fee waiver

Other Service Charges

Late Payment Fees: Waived for BURGUNDY PRIVATE Credit Card. For all other credit cards, it is as per the tables below.
Outstanding Amount Late Payment Fee
< INR 500 Nil
INR 501 – INR 5000 INR 500
INR 5001 – INR 10,000 INR 750
> INR 10,000 INR 1200
Over-limit Fees: 2.5% of Over-limit Amount (Min INR 500). Waived for BURGUNDY PRIVATE Credit Card.
Fees for Cash Payment at Branches: INR 100. Waived for BURGUNDY PRIVATE Credit Card.
Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount. Minimum – INR 450. Maximum – INR 1500. Waived For BURGUNDY PRIVATE Credit
Card.
Credit Limit: Applicable as per the bank’s policy and terms and conditions.
Cash Withdrawal Limit: 30% of the Credit Limit assigned to the customer.
Foreign Transaction Fee: Nil for Burgundy Private Credit Card, 1.5% of Transaction Amount for RESERVE Credit Card, 2% of Transaction Amount for MAGNUS Credit Card,
3.5% of Transaction Amount for all other Axis Bank Credit Cards.
Dynamic Currency Conversion markup: Nil for Burgundy Private Credit Card, 1% of Transaction Amount for all other Axis Bank Credit Cards.
Rent Transaction fee: 1% of each Rental Transaction Amount capped at INR 1,500 for all Axis Bank Credit Cards.

Surcharge on Purchase or Cancellation of Railway Tickets: As prescribed by IRCTC / Indian Railways.

Fuel Transaction Surcharge: 1% of transaction amount (Refunded for fuel transactions between INR 400 to INR 4,000. Maximum benefits up to INR 400 per Statement Cycle;
up to INR 500 for ACE Credit Card and AIRTEL AXIS BANK Credit Card; up to INR 250 for PRIDE PLATINUM Credit Card only. Refund not applicable on MY CHOICE Credit
Card, NEO Credit Card, AXIS BANK BUZZ Credit Card, AXIS BANK VISTARA Credit Card & AXIS BANK VISTARA SIGNATURE Credit Card). Please note that taxes levied on
fuel surcharge (if any) will not be waived and will need to be borne by the cardholder.
EDGE REWARD Points Redemption Fee:

EDGE REWARD points redeemed Redemption Fee

< 300 Nil
301 – 1000 INR 49
> 1,000 INR 99

Reward Redemption Charges will not be applicable for customers holding -

SELECT Credit Card, Axis Bank ATLAS Credit Card, Axis Bank SIGNATURE Credit Card, Axis Bank Infinite Credit Card, PRIVILEGE Credit Card, MAGNUS Credit Card,
RESERVE Credit Card, BURGUNDY PRIVATE Credit Card, PRIORITY PLATINUM Debit Card, BURGUNDY Debit Card, BURGUNDY PRIVATE Debit Card, RUPAY PLATINUM
NRO Debit Card, BURGUNDY NRO Debit Card or BURGUNDY PRIVATE NRO Debit Card.

Please Note: GST or any other applicable taxes: Any charges mentioned anywhere in this Schedule of Fees and Charges are exclusive of the GST or any other applicable taxes
which is billed along with the fee that appears on the billing statement and is levied as per the applicable GST or any other applicable taxes.

Interest Free Grace Period – The interest - free grace period could range from 20 to 50 days, depending on the date of transaction.

Illustrative example for the calculation of the grace period:

For a statement of the period from 20th June to 20th July, the Payment Due Date would be 10th August. Assuming that you have paid your Total Amount Due of the previous
month’s statement by the Payment Due Date, the grace period would be:
1. For a purchase dated 24th June, the interest - free grace period is from 24th June -10th August i.e. 47 days.
2. For a purchase dated 14th July, the interest - free grace period is from 18th July to 10th August i.e. 23 days. Thus, the grace period can vary depending upon the date
of purchase. However, if the Total Amount Due of the previous month is not paid by the Payment Due Date, then the Free Credit Period will be lost and there will not be any
interest - free period. For cash advances, interest is charged from the date of transaction until the date of payment.

Finance Charges Calculation

Assume that you have paid all previous dues in full, and do not have any amount outstanding in your Credit Card Account, and your monthly statement is generated on the
20th of every month. You have purchased household goods for INR 25000 on 12th June and withdrawn cash from an ATM for INR 5,000 on 15th June.
Your monthly statement generated on 20th June shall have the following entries:
Date Transaction Type Amount Explanation
12th June Purchase INR 25,000 Dr Purchase made on Credit Card

15th June Cash Withdrawal INR 5,000 Dr Cash withdrawn on Credit Card

Cash withdrawal done INR 5,000* 6 days* 3.6%*12 months/365

20th June Interest INR 35.50 Dr
days = INR 35.50

20th June Cash Transaction Fee INR 500 Dr 5000*2.5% = INR 125, which is less than INR 500

20th June GST on Interest INR 6.39 Dr 35.50*18% = INR 6.39

20th June GST on Fee INR 90.00 Dr 500*18% = INR 90

Closing Balance INR 30,631.89 Dr Total Payment Due

Actual interest calculation would vary based on the individual purchase and revolve behaviour and the applicable interest rate. Your due date for a 20th June statement is
10th July. If you pay INR 5000 on 10th July and you also make a fresh purchase of INR 10,000 on 11th July, your monthly statement generated on 20th July should have
the following entries:

Date Transaction Type Amount Explanation

Opening Balance INR 30,631.89 Dr Balance carried forward from previous statement
10th July Payment INR 5,000 Cr Payment towards previous statement dues
11th July Purchases INR 10,000 Dr Purchases made on Credit Card
20th July Interest INR 1,478.43 Dr Break up of INR 1,413.85 given below

Fees and Charges levied by the Bank is not included in Interest Calculation. Hence, Interest is not charged on cash Transaction Fee & GST on this Fee.
a) Interest on INR 25000 @ 3.6% p.m. from 12th June to 20th July (39 days) [INR 25,000 x 3.6% x 39 days x 12 months / 365 days = INR 1153.97]
b) Interest on INR 5000 @ 3.6% p.m. from 16th June to 10th July (25 days) [5000 x 3.6% x 25 days x 12 months / 365 days = INR 147.94]
c) Interest on INR 4368 @ 3.6% p.m. from 10th July to 20th July (11 days) [4368 x 3.6% x 11 days x 12 months / 365 days = INR 56.86]
d) Interest on INR 10,000 @ 3.6% p.m. from 11th July to 20th July (10 days) [INR 10,000 x 3.6% x 10 days x 12 months / 365 days = INR 118.36]
e) Interest on INR 35.5 (Interest + Transaction Fee + Tax levied in last statement) @ 3.6% p.m. from 20th June to 20th July (31 days) [INR 35.50 x 3.6% x 31 days x 12
months / 365 days = INR 1.30 ].

20th July GST INR 254.49 Dr INR 1,478.43 *18% = INR 266.11

Closing Balance INR 37300.23 Dr Total Payment Due

Effective 01-04-2023, Interest will be levied on all transactions that were carried out during the time the customer uses the revolving facility (has revolving credit and has paid
less than Total Amount Due in previous month). For more details on finance charges, refer the terms and conditions document.

Billing Details

Billing Statement - Periodicity & mode of sending: The Bank will send the billing statement at your mailing address / email address, as per Bank's records, a statement / e-
statement once a month for there is any transaction or outstanding of more than INR 100 on the Card Account.
Minimum amount payable (Minimum Amount Due) = 100% of Principal and Interest of EMI + 5% of the remaining outstanding amount.
Method of payment – Cheque / Draft, Click to Pay/ NEFT/ VMT, RTGS, Cash, Auto Debit, Internet payment through Axis Bank Savings Account, ATMs, IMPS, 3rd Party
Channels.
Billing disputes resolution - In case of any billing dispute notified to Axis Bank, we will suspend reporting to the Credit Bureau till the dispute is resolved.
All contents of the statement shall be deemed to be correct and accepted by the customer, unless the customer inform us of any discrepancies within 21 days of the date of
the statement. On receipt of such information, Axis Bank may reverse the charges on a temporary basis. If on completion of subsequent investigation, the bank is satisfied
that the liability of such charge is customer’s account, we will reinstate the charge in a subsequent statement.

For any clarification on your Credit Card Statement:

Phone: 1860 419 5555 / 1860 500 5555 ; Website: www.axisbank.com/support
Send correspondence to: Manager, Customer care, Axis Bank Ltd., NPC1, 5th Floor, “Gigaplex”, Plot No I.T.C, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
Grievance Redressal Nodal Official: Mr. Caesar Pinto (080 61865200, [email protected])
To know the further terms and conditions, view MITC document at https://axisbank.com/docs/default-source/default-document-library/mitc-credit-cards.pdf

Version No: O0011108922_06_2022