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Axis Bank
IKEA Family Credit Card by Axis Bank
Visa
IKEA Family Credit Card by Axis Bank
A niche, lifetime-free co-brand that only really pays off for regular IKEA shoppers — 6% back on IKEA purchases (paid in full, not EMI) is strong, but the card is otherwise a plain 1% general-spend card with no lounge access.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🍽️ Dining & food delivery
Up to 15% off (max ₹500) via Dining Delights, min order ₹2,500, once a month
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹400/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹400/month
- Preferential 13% p.a. EMI conversion on IKEA purchases within 60 days of transaction (min ₹2,500)
- 3 EDGE REWARD Points per ₹100 spent at IKEA India (6%)
- Up to 15% off (max ₹500) via Dining Delights, min order ₹2,500, once a month
Pros
- + Strong 6% reward rate specifically on IKEA India purchases
- + Lifetime free with no joining or annual fee
- + Preferential EMI rate for larger IKEA purchases
Cons
- − EMI conversions don't earn reward points, undercutting the EMI benefit's own card
- − No lounge access or travel benefits
- − Value is narrow outside IKEA and the monthly dining offer