All cards / Axis Bank
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 flat 2% reward-rate card whose main draw is 8 lounge visits a year for a modest fee. The ₹999 joining fee never gets waived by spend, and it has effectively been superseded within Axis's own lineup by the newer, genuinely fee-free Business Supreme Visa.
Annual fee
₹499
Joining fee
₹999
Reward type
points
Base reward rate
2%
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+. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter (8 a year)
Benefits by category
- ✈️ Travel
2 complimentary domestic airport lounge visits per quarter (8 a year), a solid allotment for an entry-tier business card
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹4,000–₹40,000, capped at ₹400/month — an unusually wide qualifying band aimed at business fuel purchases
- 🌍 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: ₹99 redemption processing fee applies on Reward Point redemptions
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹4,000 and ₹40,000, capped at ₹400/month
- Cash advance charges: Up to 30% of credit limit available as cash advance at Visa ATMs worldwide; standard cash advance fee of 2.5%, minimum ₹500, applies
Benefits
- 2 complimentary domestic airport lounge visits per quarter (8 a year), a solid allotment for an entry-tier business card
- 1% fuel surcharge waiver on transactions between ₹4,000–₹40,000, capped at ₹400/month — an unusually wide qualifying band aimed at business fuel purchases
- Cash advance available up to 30% of credit limit at Visa ATMs worldwide, useful for proprietors needing quick working-capital access while travelling
Pros
- + Broad self-employed eligibility covering proprietors, partnerships, doctors and other professionals
- + 8 domestic lounge visits a year on an entry-tier card
- + Unusually wide fuel surcharge waiver band (₹4,000–₹40,000)
- + Cash advance access up to 30% of credit limit at Visa ATMs worldwide
Cons
- − Joining and annual fees have no spend-based waiver
- − Flat 2% reward rate with no category acceleration whatsoever
- − Superseded in practice by the newer, fee-free Business Supreme Visa
- − 3.5% forex markup with no reduced-rate international category to offset it