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Axis Bank
Axis Bank MY Business Credit Card
Visa
Axis Bank MY Business Credit Card
Axis's original entry-level card for sole proprietors, SME companies, partnership firms and self-employed professionals — a plain 4-points-per-₹200 flat-rate card whose main draw is 8 lounge visits a year for a modest fee, but the ₹999 joining fee never gets waived by spend.
Rates and fees last verified 15 July 2026.
Annual fee
₹499
Joining fee
₹999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Entry
Benefits by category
- ✈️ Travel
2 complimentary domestic airport lounge visits per quarter (8 a year)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹4,000–₹40,000, capped at ₹400/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Benefits
- 2 complimentary domestic airport lounge visits per quarter (8 a year)
- 1% fuel surcharge waiver on transactions between ₹4,000–₹40,000, capped at ₹400/month
- Cash advance available up to 30% of credit limit at Visa ATMs worldwide
Pros
- + Broad self-employed eligibility (proprietors, partnerships, doctors, professionals)
- + 8 domestic lounge visits a year on an entry-tier card
- + Unusually wide fuel surcharge waiver band (up to ₹40,000)
Cons
- − Joining and annual fees have no spend-based waiver
- − Flat 2% reward rate with no category acceleration
- − Superseded in practice by the newer, fee-free Business Supreme Visa