All cards / Axis Bank
Axis Bank Business Supreme Visa Credit Card
A genuinely free-for-life business card for small proprietors who want a no-cost way to separate business spend from personal cards — the trade-off is a thin 0.5% base reward rate and no lounge access, so it functions as a utility card for expense separation rather than a rewards play. It sits below the fee-charging Business Supreme Master in Axis's lineup, trading lounge access for zero ongoing cost.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 700+ whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- ✈️ Travel
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000, applied automatically without needing to register
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No redemption fee 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- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500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
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000, applied automatically without needing to register
- 4 Reward Points per ₹200 on travel, tour operators and domestic airlines, and on direct marketing/advertising spends; 3 points per ₹200 on international spends; 1 point per ₹200 on everything else, so the card rewards business-travel and ad-spend behaviour specifically
Pros
- + Lifetime free — no joining or annual fee ever, unlike its Mastercard sibling
- + Decent 2% accelerated rate on travel, tour operators and marketing/advertising spend
- + Simple, low-barrier eligibility for proprietors with no income floor disclosed
- + Useful for cleanly separating business expenses from a personal card at zero cost
Cons
- − No lounge access, unlike the fee-paying Mastercard Business Supreme variant
- − Weak 0.5% base rate on general spend outside the bonus categories
- − No welcome bonus or milestone benefits of any kind
- − 3.5% forex markup is high for a card with an international spend category