Axis Bank AURA Credit Card
The Axis Bank AURA Credit Card is specially designed for people who care about their health and fitness. It was launched when health awareness became a top priority for many. This card offers several unique benefits, including free doctor consultations, fitness sessions, and discounts on nutrition products. It’s similar to the YES Bank Wellness Credit Card but focuses more on wellness and medical services.
When it comes to rewards, you earn 2 EDGE Points for every Rs. 200 spent on general purchases and 5X EDGE Points on insurance payments. Since each EDGE Point is worth Rs. 0.20, this means you get a reward rate of 0.2% on most purchases and 1% on insurance expenses. Though not the highest reward rate, these points can still be valuable for frequent users.
This card is ideal for health-conscious individuals who regularly consult doctors or engage in fitness activities. Partnerships with popular health and wellness brands like Practo, Fitternity, and Decathlon add more value. The card comes with a joining fee and an annual fee of Rs. 749 each. It also has finance charges of 3.4% per month. If you often spend on health and fitness, this card can help you save while accessing premium services.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
Axis Bank Aura Credit Card Benefits and Features
The Axis Bank Aura Credit Card is a great choice for people who want more value on health, fitness, and lifestyle spending. It offers many perks such as reward points, discounts, and wellness benefits. The card is designed to help you stay fit while earning rewards on your daily expenses.
Key Features
- Earn 2 Reward Points on every ₹200 spent on all categories except fuel.
- Get up to 20% off at partner restaurants through the Axis Bank Dining Delights program.
- Enjoy complimentary teleconsultations and discounts on health check-ups via Practo.
- Receive cashback on specific health and wellness categories.
- Get access to exclusive fitness sessions and partner offers.
- Enjoy flexible EMI options on transactions above ₹2,500.
- Avail up to 1% fuel surcharge waiver at fuel stations across India.
- Stay protected with zero liability on lost card reporting.
Rewards and Cashback
The Axis Bank Aura Credit Card helps you earn reward points on your regular spending. You can redeem these points for travel bookings, shopping vouchers, or to pay your outstanding balance. The card also provides cashback and special offers on selected wellness products and fitness services.
Wellness Benefits
This card is perfect for fitness enthusiasts. You get free teleconsultations and discounted health packages through Practo. The wellness rewards program also includes benefits like discounts on fitness sessions and medical services. This makes it more than just a regular credit card, it’s your health partner.
Dining Benefits
Enjoy delicious meals with savings through the Axis Bank Dining Delights program. Cardholders get up to 20% off at partner restaurants across India, making dining out more rewarding and affordable.
Fees and Charges
- Joining Fee: ₹749 + GST
- Annual Fee: ₹749 + GST (waived off on annual spends above ₹1,50,000)
- Interest Rate: 3.6% per month (52.86% annually)
- Cash Advance Fee: 2.5% (minimum ₹500)
- Foreign Currency Markup: 3.5%
Eligibility Criteria
- The applicant must be at least 18 years old and not older than 70 years.
- Should have a stable income source.
- Can be a resident or non-resident Indian.
- Must meet Axis Bank’s credit and document verification requirements.
Documents Required
- Identity proof – PAN card, Aadhaar card, or passport
- Address proof – utility bill, Aadhaar card, or passport
- Income proof – salary slip or ITR statement
How to Apply
You can apply for the Axis Bank Aura Credit Card online through the Axis Bank website. Simply fill in your details, upload the required documents, and complete the verification process. Once approved, you’ll receive your card within a few days.
Axis Bank Aura Credit Card Review
If you are looking for a credit card that balances fitness, lifestyle, and financial benefits, the Axis Bank Aura Credit Card is a great fit. It combines health and rewards in one package, making it ideal for young professionals and health-conscious users.
With exclusive wellness benefits, easy reward redemption, and strong security features, this card ensures that every purchase brings you closer to your fitness and lifestyle goals.
How can I redeem reward points earned with the Axis Bank Aura Credit Card?
Visit the Axis eDGE rewards catalog, select your preferred items, and redeem your points.
Can I apply for the Axis Bank Aura Credit Card online?
Yes, you can apply for the card online.
Is the annual fee cancelled under any condition for this credit card?
No, there isn't. You must pay Rs. 749 annually from the second year onwards.
What are the dining privileges offered by this credit card?
Get up to 20% off when you eat at selected restaurants with the Dining Delights Program.
Does this credit card provide any benefits on fuel purchases?
Yes, it offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 per month at any fuel station, with a maximum remission of Rs. 250 per statement cycle.
How do I use the Rs. 750 Decathlon gift voucher?
The voucher can be redeemed both at Decathlon stores and on their website.
What rewards can I earn using this credit card?
Earn 2 EDGE Points for every Rs. 200 spent, with accelerated 5X points on insurance-related expenses.
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