Verified — 16/16 categories
Axis · RuPay
Axis Bank KWIK Credit Card
Best forEducation & Utilities
Earns2 RP/₹200 on education
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
RuPay
Axis
Axis Bank KWIK Credit Card
RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on education and utilities, where it earns 2 RP/₹200
- No annual fee
How you earn
Reward rates at a glance — exactly as recorded for this card.
Education2 RP/₹200
Utilities2 RP/₹200
Groceries2 RP/₹200
Dining2 RP/₹200
Food Delivery2 RP/₹200
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on educationDetails
|
| Insurance | No reward | — | —Details
|
| Utilities | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on utilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on groceriesDetails
|
| Dining | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on diningDetails
|
| Food Delivery | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on food deliveryDetails
|
| Shopping | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on shoppingDetails
|
| Travel | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on travelDetails
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on railwaysDetails
|
| FASTag | No reward | — | —Details
|
| Jewellery | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on jewelleryDetails
|
| Telecom | 2 RP/₹200 | — | 2 EDGE RP / ₹200 (0.20%) on telecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
2 RP/₹200 on education
Fuel surcharge waiver
1% fuel surcharge waiver up to ₹150 per statement cycle
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Insurance, Fuel, Government +2 more
Who should consider this card
✓ Good fit if
- Your spending is concentrated in education, utilities, groceries
- You want a card with no annual fee
△ Less useful if
- Much of your spending is in rent, insurance, fuel, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 6 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Insurance — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
- FASTag — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to Axis's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹150 per statement cycle.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-27
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-27
Documents used
Official KWIK RuPay on UPI terms, Lifetime Free schedule, exclusions · SRC-AXIS-KWIK-SCHEDULE