Axis Bank My Wings Credit Card

Name: Axis Bank My Wings Credit Card
Brand: Axis Bank
Price: 1200 INR
Availability: InStock
Rating: 3 (1 reviews)

Overview

The Axis Bank My Wings Credit Card positions itself as a travel-focused card for domestic travelers. Its headline perk is 2 complimentary base fare flight tickets, redeemable through the partner booking channel. Add in domestic airport lounge access and up to 20% cashback on domestic flight bookings, and the card covers the air travel segment well for a mid-range joining fee of ₹1,200.Ground transportation benefits round out the travel package. IRCTC ticket bookings earn ₹25 cashback per transaction (capped at ₹200 annually), bus ticket bookings get ₹100 cashback, and car rentals within India receive a flat ₹400 cashback per booking. A 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 helps offset refueling costs during road trips.Beyond travel, the card earns EDGE REWARD points at 4 points per ₹200 spent, redeemable across 500+ offers in the Axis Bank rewards catalogue. The Dining Delights programme gives access to discounts at partner restaurants across India. Wednesday Delight offers include savings on MakeMyTrip bookings and food delivery. Hotel and holiday vouchers worth ₹10,000 add further value for vacation planning.The ₹1,200 joining fee and ₹500 annual charge from the second year place this card in the mid-range segment. There is no published annual fee waiver based on spending thresholds, which makes the ongoing cost a fixed commitment. The 3.5% foreign currency markup limits international usefulness, keeping this card firmly in the domestic travel category. Finance charges at 3.75% per month (55.55% per annum) are standard for Axis Bank cards.

Pros

↑2 complimentary base fare flight tickets plus up to 20% cashback on domestic flights give strong air travel value for a mid-range joining fee
↑Travel benefits cover multiple transport modes including trains, buses, car rentals, and flights, with separate cashback on each category
↑Domestic airport lounge access, fuel surcharge waiver, and ₹10,000 in hotel and holiday vouchers add up for frequent domestic travelers

Cons

↓₹1,200 joining fee with no published fee waiver mechanism means the card costs money upfront regardless of spending pattern
↓IRCTC cashback is capped at ₹25 per transaction and ₹200 per year, making the railway benefit minimal for regular train travelers
↓3.5% foreign currency markup and no international lounge access make this card unsuitable for any international travel

Key Highlights

Welcome Offer
2 complimentary base fare flights
Domestic flight tickets via partner channel
Base fare covered, taxes payable by cardholder
Up to 20% cashback on additional domestic flights
Booking through designated helpline or website

Reward Rate
Domestic airport lounge access
Complimentary at select domestic airports
No minimum spend condition
Primary cardholder benefit
Access available across India

Minimum Salary
18-70 years, Indian resident
Age: 18 to 70 years
Must be an Indian resident
Income proof required
Credit score 700+ preferred

Joining Fee
₹1,200 joining fee
One-time joining fee: ₹1,200
Includes hotel/holiday vouchers worth ₹10,000
Add-on card joining fee: Nil
Card replacement: Nil

Annual Fee
₹500 from 2nd year onwards
1st year annual fee: Nil
2nd year onwards: ₹500
Add-on card annual fee: Nil
No published spend-based fee waiver

Why Choose?
Travel cashback across all modes
2 complimentary base fare flights
₹25 IRCTC cashback per booking
₹100 bus ticket cashback
₹400 car rental cashback
Fuel surcharge waiver

Key Benefits

Dining

★2.5

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Dining Delights programme at partner restaurants
Wednesday Delight: 10% off on Swiggy orders
15% savings on MakeMyTrip flights and hotels every Wednesday
Standard EDGE REWARD points on dining transactions

Fuel

★3.0

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1% fuel surcharge waiver on ₹400 to ₹4,000 transactions
Maximum benefit: ₹400 per statement cycle
Available at all fuel stations across India
GST on fuel surcharge is non-refundable
No reward points earned on fuel transactions

Merchant Offers

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Wednesday Delight deals on MakeMyTrip and Swiggy
Dining Delights at partner restaurants
Periodic Axis Bank promotional offers

Travel

★4.0

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2 complimentary base fare domestic flight tickets
Up to 20% cashback on domestic flight bookings
Hotel and holiday vouchers worth ₹10,000
₹25 IRCTC cashback per ticket (max ₹200/year)
₹100 bus ticket cashback, ₹400 car rental cashback

Airport Lounge Access

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Complimentary domestic airport lounge access
Available at select airports across India
Primary cardholder only
No minimum spend condition for access

Emi

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Available on purchases above ₹2,500
Contact Axis Bank to convert transactions
Finance charges: 3.75% per month

Detailed Information

Joining Fee	₹1,200
Annual Fee	1st year: Nil; 2nd year onwards: ₹500
Annual Fee Waiver	Not published
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.50%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	Nil
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500, no cap)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not specified (bank discretion)
Minimum Credit Score	700+ (indicative)

Identity Proof	PAN Card (mandatory) Passport Driving License Voter ID Aadhaar Card
Address Proof	Passport Driving License Voter ID Aadhaar Card
Income Proof Salaried	Latest payslip Bank statement Form 16 IT return copy
Income Proof Self Employed	IT return copy Bank statement Business proof

Frequently Asked Questions

The joining fee is ₹1,200. This is a one-time charge at the time of card issuance. Add-on card joining fee is nil.

The first year annual fee is nil. From the second year onwards, an annual fee of ₹500 applies. Add-on cards have no annual fee.

You can redeem 2 complimentary base fare flight tickets by calling the Ezeego1 helpline at 1800 120 0408 and providing your 15-digit Axis Bank My Wings primary card number as a promo code. Taxes and surcharges must be paid with the My Wings card.

Yes. The card provides complimentary domestic airport lounge access at select airports across India. This is available to the primary cardholder with no minimum spend requirement.

You get ₹25 cashback every time you book a ticket on www.irctc.com using the My Wings Credit Card. The maximum annual cashback from IRCTC is capped at ₹200 per cardholder, shared across primary and add-on cards.

Yes. A 1% fuel surcharge refund applies on fuel transactions between ₹400 and ₹4,000 at all fuel stations across India. The maximum benefit is ₹400 per statement cycle. GST on fuel surcharge is non-refundable, and no reward points are earned on fuel transactions.

The card includes hotel and holiday vouchers worth ₹10,000 in total. These cover ₹500 on domestic return air tickets, ₹1,500 on international air tickets, ₹1,000 on Indian hotel bookings (min ₹7,000), ₹1,500 on international hotels, ₹2,500 on domestic holidays (min ₹20,000), and ₹3,000 on international holidays.

You get ₹100 cashback on bus ticket bookings made through the designated website. Enter the promo code AXISCOMBO on the payment page to avail the offer. A valid My Wings Credit Card with paid joining fees is required.

You receive a flat ₹400 cashback per car booking on rentals within India. Bookings must be made online at the partner website. Use promo code AXISCOMBO on the payment page. The cashback is refunded to your card account within 15 working days of travel completion.

EDGE REWARD points are the loyalty currency of Axis Bank credit cards. The My Wings card earns 4 points for every ₹200 spent. Points can be redeemed across 500+ rewards and offers in the EDGE REWARDS catalogue. Fuel transactions do not earn reward points.

Points can be redeemed through the EDGE REWARDS catalogue available via Axis Bank internet banking or the Axis Mobile app. The catalogue includes over 500 options spanning merchandise, vouchers, and experiences. A redemption fee may apply.

The finance charge is 3.75% per month, which equals 55.55% per annum. This applies to any unpaid balance carried forward past the statement due date. Paying the full statement balance by the due date avoids all interest charges.

Late payment fees are tiered: nil if total due is up to ₹500, ₹500 for dues between ₹501 and ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for amounts above ₹10,000. An additional ₹100 applies if the minimum amount due is missed for two consecutive cycles.

International transactions attract a 3.5% foreign currency markup. An additional 1.5% dynamic currency conversion markup (plus taxes) applies if you transact in Indian rupees at international locations or with foreign-registered merchants. This makes the card expensive for overseas use.

Yes. Any transaction of ₹2,500 or more can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply to EMI conversions. Processing fees may vary depending on the tenure selected.

Cash advances attract a fee of 2.5% of the withdrawn amount with a minimum of ₹500. Interest at 3.75% per month begins from the withdrawal date with no interest-free period. Cash advances do not earn reward points.

The primary cardholder must be between 18 and 70 years old and a resident of India. Axis Bank does not publicly specify a minimum income for this card. Approval depends on the bank's internal assessment including credit score and income documentation.

You need a PAN card (mandatory), identity proof (passport, driving license, voter ID, or Aadhaar), address proof, income proof (payslip, Form 16, or IT return for salaried; IT returns and business proof for self-employed), and a colour photograph.

Apply through the Axis Bank website, the Axis Mobile app, or by visiting an Axis Bank branch. The digital application requires PAN, Aadhaar, and income details. Existing Axis Bank customers may see pre-approved offers in their internet banking or mobile app.

The overlimit penalty is 2.5% of the amount that exceeds your credit limit, with a minimum charge of ₹500. Keeping transactions within your credit limit avoids this charge entirely.

Every Wednesday, cardholders can access special deals including up to 15% instant savings on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to ₹1,000 on select partners. Offers are subject to periodic updates.

Yes. The Axis Bank Dining Delights programme gives cardholders access to discounts and offers at top restaurants across India. This is a portfolio-wide benefit available to Axis Bank credit card holders, not exclusive to My Wings.

Yes. A 1% transaction fee applies on each rental payment made through MCC 6513 (real estate agents and managers). This fee is charged per transaction and is separate from any reward points earned.

Yes. Add-on or supplementary cards can be issued for family members. Both the joining fee and annual fee for add-on cards are nil. The add-on cardholder's transactions earn EDGE REWARD points at the same rate as the primary card.

A fee of 2% of the payment amount applies if a cheque is returned or an auto-debit is reversed. The minimum charge is ₹500 with no maximum cap. Ensuring sufficient funds in your payment account avoids this charge.