Axis Bank AURA
DowngradeA doctor, a fitness class and a Decathlon voucher — Axis's wellness experiment, now closed to new applicants.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Axis Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #701
Why #701 Carried, not valued. Axis has withdrawn it and never published a reward rate for it, so there is no number to rank — the card is here because a lot of people are still holding one.
The take
AURA is the odd one out in the Axis lineup: a card sold on health rather than on points. For ₹749 a year it bundled four video doctor consultations a month through Practo, four interactive fitness sessions a month through Fitternity, an annual health-checkup discount worth up to ₹500, at least 30% off nutrition and diet consultations, a ₹750 Decathlon and Amazon welcome voucher, and the standard 1% fuel-surcharge waiver. Used properly that is worth more than the fee. What it never had — and this is the reason it sits unranked here — is a published reward rate. Axis's page lists six benefits and not one of them is an EDGE REWARD Point, on a bank that leads with the points on every other card it sells. So we carry the card, print the fee to the rupee, and refuse to invent an earn rate for it. Axis has now withdrawn it: the product page says outright that it is no longer available. If you hold one, the wellness bundle is the only reason to keep paying ₹749 that never waives — and the benefits live behind a separate Poshvine portal, not the Axis app.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 4 free video doctor consultations a month via Practo
- 4 free interactive video fitness sessions a month via Fitternity
- ₹750 Decathlon and Amazon welcome voucher
- Annual health-checkup discount of up to ₹500, and at least 30% off nutrition consultations
- 1% fuel-surcharge waiver
Watch out
- WITHDRAWN — Axis's own page says "This credit card is no longer available"
- Axis publishes NO reward rate for this card — we will not print one it has not stated
- The ₹749 fee is NEVER waived: the AURA row is one of the few in Axis's fee table with no waiver clause
- 3.50% foreign-currency mark-up — the MITC's default, with no AURA exception
- The benefits are redeemed on a separate Poshvine portal (axisbankaura.poshvine.com), not in the Axis app
- No lounge access, no travel benefit and no transfer route of any kind
What these points actually fly
Axis Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Axis has withdrawn the card from sourcing; the product page carries a closure notice in place of an application CTA. Existing holders activate the benefits by logging in at axisbankaura.poshvine.com with the mobile number registered against the card. When it was open, eligibility was ages 18–70 for the primary cardholder, resident or non-resident Indian, with add-on holders over 18; Axis published no income bar for it.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
WITHDRAWN — the Axis product page carries "This credit card is no longer available" where the apply CTA used to be, though the fee row survives in the live MITC because existing holders are still billed. Joining ₹749 and annual ₹749, from the MITC's TWO-column fee table (Joining Fee, levied after card activation / Annual Fee 2nd year onwards) — not inverted, and the AURA row carries NO waiver clause where nine other rows do. A health-and-wellness card, not a rewards card: Axis publishes NO reward rate for it anywhere in the product page or the MITC, which is why the earn triple is null. What it does publish: a ₹750 Decathlon and Amazon welcome voucher, 4 Practo video doctor consultations a month, 4 Fitternity fitness sessions a month, up to ₹500 off an annual health checkup, at least 30% off nutrition consultations, and a 1% fuel-surcharge refund on which AURA is one of only two named cards. Benefits are redeemed on a separate Poshvine portal, not in the Axis app. Axis publishes no income bar for it.
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 2 of them, each with the day we read it
- official Product page — the withdrawal notice, and the health bundle: Practo consultations, Fitternity sessions, a ₹750 Decathlon/Amazon voucher. No reward rate at all
- official Axis MITC — the "AURA Credit Card" row reads ₹749 joining / ₹749 annual with NO waiver clause; 3.50% foreign-currency transaction fee; 1% fuel-surcharge refund