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Axis Bank
Axis Bank KWIK RuPay Credit Card
RuPay
Axis Bank KWIK RuPay Credit Card
A partnership with fintech Kiwi to issue an instant virtual RuPay-on-UPI card with essentially no onboarding friction — the reward rate is unremarkable but the near-zero-effort issuance and UPI-linking make it a fast way to get a RuPay credit line for UPI spending.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 1% fuel surcharge waiver on fuel transactions
- 2 EDGE REWARD Points per ₹200 spent, including on eligible UPI transactions above ₹2,000
Pros
- + Instant virtual card, activatable straight from a UPI app
- + No joining or annual fee
- + Rewards on UPI spend above ₹2,000, not just card-swipe transactions
Cons
- − Flat 1% reward rate with no category acceleration
- − Reward redemption carries a ₹49–₹99 fee, eating into value for small redemptions
- − No lounge access or travel perks