Cashback
Axis Citi Rewards Credit Card
Axis (formerly Citi) 6.3
CardTrail Score
Decent
out of 10
Annual Fee
₹1,000
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 10%
Lounge Access
8
domestic | 0 intl
About This Card
Formerly Citi Rewards, now under Axis Bank after the acquisition. The 10X at department stores remains its unique selling point. The transition has caused some confusion, but the card still works as expected. Consider upgrading to Axis Atlas or Flipkart for better value.
Pros & Cons
Pros
- 10X at department stores and select online
- Now part of Axis ecosystem
- 4 domestic lounges
- Established card with long history
Cons
- Transition from Citi to Axis has been bumpy
- ThankYou Points value has degraded
- Base rate of 0.5% is poor
- 3.5% forex
Fee Details
Annual Fee
₹1,000
Joining Fee
₹1,000
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
10%
Currency
ThankYou Points
Welcome Bonus
2,000 ThankYou Points
Lounge Access
Domestic Lounges
8
per year
International Lounges
0
Spend Gate Required
You must spend ₹50,000 per quarter to activate lounge access.
Key Highlights
- + 10X rewards at select department stores
- + 10X at select online merchants
- + Now managed by Axis Bank
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Quick Summary
Best For
online shopping general
Annual Fee ₹1,000
Base Reward 0.5%
Max Reward 10%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
online shopping general
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