Axis Bank My Wings
CancelA travel card whose travel benefits stopped on 20 April 2019, still on sale.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹11,000 a month
At ₹11,000 a month — ₹1,32,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹500 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #230
Why #230 Almost every benefit on this card's own page expired on 20 April 2019 and Axis never took the page down — the complimentary flight tickets, the ₹10,000 of hotel and holiday vouchers, the bus and car-rental cashback, all of it. What survives is one lounge visit a quarter, ₹25 off an IRCTC booking and a ₹1,200 joining fee.
EDGE REWARD Points here are catalogue points worth roughly twenty paise, not the forty the house value assumes — that figure prices the 5-points-to-2-partner-miles transfer Axis reserves for its premium shelf. My Wings is on the Travel EDGE eligible-cards list but at the bottom ratio, and a redemption costs ₹99 before a partner conversion costs ₹199 more.
Best real exit: Accor Live Limitless (ALL) at ₹0.43/pt (5:1 transfer, above house value).
The take
Read this card's page top to bottom and it is a genuine bargain: two complimentary base-fare flight tickets, ₹10,000 of hotel and holiday vouchers, ₹400 back on every car rental, ₹100 on bus tickets, up to 20% off domestic flights, and a value chart totalling ₹19,560 of annual benefit. Then read the line Axis left sitting in the middle of it: "All travel/hotel/flight/Ezeego offers and cashbacks on MY Wings Credit Card shall be available till April 20, 2019 only except IRCTC cashback." Every headline benefit on the page has been dead for seven years. The offers were run through Ezeego1, an OTA that is no longer a going concern, and Axis simply never rewrote the page. What is actually left: one complimentary domestic lounge visit a quarter from Axis's Set A list, gated on ₹50,000 of spend in the previous three calendar months; ₹25 off an IRCTC ticket up to ₹200 a year; a fuel surcharge refund; and 4 EDGE REWARD Points per ₹200, worth about 0.4%. For that Axis wants ₹1,200 to join and ₹500 a year, with no spend waiver on either. There are lifetime-free Axis cards with a better lounge quota.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹1,200 joining, then ₹500/yr
Break-even ₹11,000 a month — ₹1,32,000 a year — is where this card's value crosses its fee.
At your spend
₹700 a year, net of the fee, at ₹3,00,000 of annual spend
₹1,900 a year, net of the fee, at ₹6,00,000 of annual spend
₹4,300 a year, net of the fee, at ₹12,00,000 of annual spend
₹13,900 a year, net of the fee, at ₹36,00,000 of annual spend
₹23,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole 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
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
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
- 1 complimentary domestic lounge visit a quarter on Axis's Set A list
- 4 EDGE REWARD Points per ₹200 on eligible spend
- ₹25 off every IRCTC booking, up to ₹200 a calendar year
- 1% fuel surcharge refunded between ₹400 and ₹4,000, up to ₹400 a statement cycle
Watch out
- Axis's own page: all travel, hotel, flight and Ezeego offers on this card ended on 20 April 2019 — only the IRCTC cashback survives
- The complimentary flight tickets, the ₹10,000 hotel and holiday vouchers and the car and bus cashbacks are all part of that expired set
- ₹1,200 to join and ₹500 a year, with no spend waiver published on either
- Lounge access needs ₹50,000 of eligible spend in the previous 3 calendar months before any visit counts
- Points redeem at roughly ₹0.20 in the EDGE catalogue and cost ₹99 a redemption to take out
- 3.5% foreign-currency markup plus a dynamic-currency-conversion markup that went 1.5% → 3.5% on 28 Aug 2026
- The value chart on the page totals ₹19,560 of annual benefit against offers that no longer run — do not plan against it
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 25 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Bengaluru → Colombo Economy 32,500 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 5:1 the play
- Chennai → Colombo Business 70,000 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 5:1 the play
- Mumbai → Delhi First 500,000 Axis EDGE Reward Points via Air Canada Aeroplan at 20:1 the play
Where the miles go
29 programs · 27 live
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every Axis Bank route, side by side → · the Axis EDGE Reward Points hub →
Lounge access
12 of 793 tracked doors
Gate: ₹50,000 of eligible spend in the previous 3 calendar months, w.e.f. 1 May 2024 — waived for the month of issuance and the 3 calendar months after it on a newly issued card, but an UPGRADE does not count as a new issuance
Opens 12 of 793 tracked lounge doors across 6 airports — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
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
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹1,200 and annual ₹500 from year two, with NO spend waiver on either — the MITC row prints both figures bare where the Platinum and Titanium rows above it carry explicit waiver clauses. The card's own page also states that every travel, hotel, flight and Ezeego offer on it ended on 20 April 2019, IRCTC cashback excepted, so most of what the page advertises no longer runs. Rent carries a 1% fee on MCC 6513.
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.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Product page — "4 points on every ₹200 spent on the credit card", the ₹1,200 joining and ₹500 annual fee rows, and the notice that the travel offers ended 20 April 2019
- official Axis Bank master MITC, Schedule of Charges §1 — "MY WINGS Credit Card: 1,200 joining, 500 annual, Nil add-on", with no waiver clause on either fee
- official Axis Bank Domestic Airport Lounge Access Program — "Axis Bank My Wings Credit Card (1 complimentary lounge access per quarter)" on the Set A list, spend-gated
- official Travel EDGE Program eligible cards — "Axis Bank My Wings Credit Card" is on the list, so its points can move to a partner, at the entry-shelf ratio