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Axis Bank MyBiz Credit Card
Mastercard
Axis Bank MyBiz Credit Card
A 2024-launched premium World Mastercard built with Mastercard specifically for sole proprietors and small business owners, layering lounge access and travel insurance on top of Mastercard's business-tools ecosystem. It's positioned above the Business Supreme cards in Axis's lineup, with a reduced 2% forex markup and a ₹6L fee-waiver threshold, but public disclosures around its category reward rates and welcome benefits remain thinner than Axis's older, more established business cards.
Annual fee
₹2,500
Joining fee
₹2,500
Reward type
points
Base reward rate
2%
Card network
Mastercard
Card tier
Premium
Who this card fits
Best suited to business owners managing company spend with a credit score of roughly 750+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: Complimentary domestic airport lounge access via World Mastercard benefits
- International lounge access: Complimentary international airport lounge access via World Mastercard benefits
- Insurance benefits: Comprehensive travel insurance cover as a standard World Mastercard benefit on eligible travel bookings
Benefits by category
- ✈️ Travel
Complimentary domestic and international airport lounge access via World Mastercard benefits, useful for business owners travelling for client meetings or supplier visits
- 🛡️ Insurance
Comprehensive travel insurance cover as a standard World Mastercard benefit, applying automatically to eligible travel booked on the card
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Rewards redemption fee: ₹99 redemption processing fee applies on Reward Point redemptions
- Foreign currency markup: 2%
- Fuel surcharge waiver: 1% fuel surcharge waiver on eligible fuel transactions
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- Complimentary domestic and international airport lounge access via World Mastercard benefits, useful for business owners travelling for client meetings or supplier visits
- Comprehensive travel insurance cover as a standard World Mastercard benefit, applying automatically to eligible travel booked on the card
- Curated culinary, wellness and sports experiences via Mastercard Priceless.com; separately, business tools for marketing, security and compliance via Mastercard Easy Savings — a combination aimed at both the owner's lifestyle and the business's back office
- Zero liability protection against unauthorised transactions and enhanced credit limits sized to business cash flow rather than personal income alone
Pros
- + World Mastercard tier brings lounge access, travel insurance and Priceless.com experiences
- + Access to Mastercard Easy Savings business tools for marketing, compliance and security
- + Purpose-built for proprietors rather than a retail card stretched to fit
- + Reduced 2% forex markup, better than most other Axis business cards
- + Fee waiver reachable at ₹6L annual spend for an established small business
Cons
- − Meaningfully higher ₹2,500 fee than Axis's other business cards
- − Published reward-rate and welcome-benefit details are sparse versus older Axis business cards
- − Newer product with a shorter track record than Axis's established business lineup
- − ₹6L spend threshold for the fee waiver is high for a smaller proprietorship
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