All cards / Axis Bank
Axis Bank Business Supreme Master Credit Card
A straightforward proprietor-focused business card on Mastercard rails, with above-average lounge access for its ₹1,500 fee and a real accelerated rate on marketing/advertising and international spend, but no welcome bonus and nothing for dining, travel or insurance. The fee is waived from the second year only with ₹10L of spend in the preceding year, so lighter users should expect to pay it.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
2%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per quarter (16 a year) at select lounges
Benefits by category
- ✈️ Travel
4 complimentary domestic airport lounge visits per quarter at select lounges, i.e. 16 a year, well above what most sub-₹2,000-fee cards offer
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000, applied automatically at the pump without separate registration
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Rewards redemption fee: ₹99 redemption processing fee applies on EDGE Reward point redemptions
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 10,000 EDGE REWARD Points on annual transactions above ₹5,00,000, plus a further 5,000 points on crossing ₹8,00,000 — worth roughly ₹3,000 combined at the card's point value
- 4 complimentary domestic airport lounge visits per quarter at select lounges, i.e. 16 a year, well above what most sub-₹2,000-fee cards offer
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000, applied automatically at the pump without separate registration
- 8 EDGE REWARD Points per ₹200 on international spends and 6 points per ₹200 on marketing/advertising spends, versus 4 points per ₹200 domestically — a real edge for import-heavy or ad-spending proprietors
Pros
- + 16 lounge visits a year (4/quarter) is generous for a sub-₹2,000 fee card
- + Meaningfully higher reward rate on international and marketing/advertising spend
- + Annual fee waived from year two on ₹10L spend in the preceding year
- + Two-tier milestone bonus rewards higher-spending proprietors further
- + Low ₹25,000/month income requirement keeps eligibility accessible
Cons
- − No welcome bonus at all
- − The annual fee waiver needs ₹10L of annual spend
- − No dining, golf, travel or insurance benefits
- − Flat 4% domestic base likely excludes fuel, EMI and wallet loads from earning
- − 3.5% forex markup partly offsets the accelerated international reward rate