Axis Bank Aura Credit Card

The recently released Aura Credit Card from Axis Bank is designed to offer a variety of features and advantages in the wellness and health sector. This credit card for health and fitness offers benefits including free medical exams, discounts on prescription drugs, and Decathlon gift cards.

The health and wellness-focused Axis Bank AURA Credit Card is ideal for people who want to reduce their medical bills. The card offers discounted health checkups, free doctor and nutritional counselling, and fitness classes. In addition, you receive incentives for all your retail purchases, with a multiplier of 5 for insurance purchases.

In terms of the card’s reward structure, you receive 2 EDGE Points for every Rs. 200 you spend with it and 5X EDGE Points for spending on insurance. Given that 1 EDGE Point is worth Rs. 0.20, the card’s effective reward rate is 1% for insurance purchases and 0.20% for all other spending categories.

Axis Bank’s first-ever credit card, the AURA Credit Card, is marketed to people who are extremely health-conscious. The YES Bank Wellness Credit Card is another such card that is intended to provide health benefits. Due to the ongoing pandemic issue, the card was introduced earlier this year at a time when everyone is becoming more health conscious. The card offers a wide range of health and fitness benefits, including free video doctor consultations, no-cost fitness classes, and reduced prices on nutritional foods.

Fees And Charges Of Axis Bank Aura Credit Card

Description	Charges
Joining fee	INR 749
Annual Fee	After the second year: INR 749
Add-on card joining fee	Nil
Add-on card annual fee	Nil
Card replacement fee (lost or stolen or re-issue)	Nil
Cash payment fee	INR 100
Duplicate Statement fee	Waived
Charge slip retrieval fee or copy request fee	Waived
Outstation cheque fee	Waived
Mobile alerts for transactions	Free
Hotlisting charges	Nil
Balance enquiry charges	Waived
Finance/Interest Charges	3.6% monthly (52.86% annually)
Cash withdrawal fees	2.5% (a minimum of Rs. 500) of the cash sum
Overdue penalty or Late payment fees	If the total amount owed is less than Rs. 500, it is Nil. if the entire amount owed is between Rs. 501 and Rs. 5,000, Rs. 750, between Rs. 5,001 and Rs. 10,000, Rs. 1200, and if the total amount owed is over Rs. 10,000
Over limit penalty	2.5% of the amount exceeding the limit (minimum Rs. 500)
Cheque return or dishonor fee or auto-debit reversal	2% of the payment amount, with a minimum of Rs.450 and a maximum of Rs.1,500
Surcharge on purchase or cancellation of railway tickets	According to IRCTC/Indian Railways’ guidelines
Foreign currency transaction fee	3.5% of the total deal amount
G.S.T	Based on the regulations currently in place
Reward Redemption fee	Yes
Rent Transaction Fee	1% of each transaction, up to Rs. 1500. GST is applied as announced by the Indian government.
Dynamic Currency Conversion Markup	1% of the transaction amount plus taxes (applicable to international transactions carried out in foreign currencies at foreign locations or international transactions carried out in foreign currencies with Indian merchants registered in foreign jurisdictions)

Features And Benefits Of Axis Bank Aura Credit Card

The following table lists the advantages and characteristics of the Axis Bank AURA credit card:

Features & Benefits	Details
Welcome Benefits	Gift certificate for Decathlon valued Rs. 750.The discount code may be applied to purchases made at any Decathlon retail locations or online.
Free Doctor Consultation	Free monthly Practo video doctor visits for four people.
Free Fitness Sessions	4 free interactive video workouts are provided by Fitternity each month.16 recorded sessions each month Simply choose the kind, date, and hour of your session to book
Helath Checkup Discount	Discount of up to Rs. 500 per year on annual physicals. Simply choose your session type, day, and time to make a reservation.
Fuel Surcharge Waiver	Waiver of 1% fuel fee, Offer valid on monthly gasoline station purchases of between Rs. 400 and Rs. 4,000.Up to Rs. 250 is the maximum reward per payment cycle. Surcharge-related GST is not refundable.
Discounts	Nutritional or diet advice from famous nutritionists is discounted by at least 30%. Nutritional foods are discounted by at least 30%. Dine at partner restaurants in India and receive discounts of up to 20%.
Reward Points	2 eDGE loyalty points are awarded for every Rs. 200 spent.5X faster eDGE incentives for insurance purchases. The maximum transaction amount is 10,000 rupees.

Rewards Redemption

On the Axis Bank EDGE Rewards Portal, you may use the EDGE Points you earn on the card to buy goods (from the provided catalogue) or redeem them for travel or shopping vouchers.

Axis Bank Aura Credit Card Limit

The credit limit for the Aura Credit Card from Axis Bank is determined at the bank’s discretion after taking into account a number of variables, including the applicant’s credit score, the credit utilization ratio, and the applicant’s payback history for all prior debts.

Eligibility Criteria For Axis Bank Aura Credit Card

Age	There must be a principal applicant who is between the ages of 18 and 70. The owner of the add-on card must be older than 15 years old.
Nationality	He or she must be an Indian national, either a resident or a non-resident.
Credit Score	A high credit score may be helpful when applying for a credit card.

Documents Required For The Axis Bank Aura Credit Card

Identity Proof	Income Proof	Proof of Address
Passport	Form 60	Ration Card
Driving License	IT Returns	Passport
Aadhaar Card	Salary Slip	Electricity bill
PAN Card	–	Telephone Bill

How To Apply For Axis Bank Aura Credit Card?

To apply for the Axis Bank AURA Credit Card online on the Axis Bank website, follow the instructions below:

• Go to the Credit Cards section of Axis Bank’s official website.
• Click “Check Eligibility” to see if you qualify for the Axis Bank AURA Credit Card.
• Now enter all the necessary information.
• Upload the paperwork that the bank needs in order to apply for a card.
• Using the ‘Track Application’ mechanism, you may follow the progress of your credit card application.

Axis Bank Aura Credit Card Comparison With Other Similar Credit Cards For Health And Fitness Benefits

Particulars	Axis Bank AURA Credit Card	SBI Pulse Credit Card	Yes Wellness Credit Card
Annual Fee	Rs. 749	Rs. 1,499	Rs. 749
Welcome Benefit	A 750-Rs. coupon from Decathlon	A Rs. 5,999 Noise ColorFit Pulse 2 Max Smart Watch	Amazon gift card worth 500 rupees
Associated Health & Wellness Brands	Practo, IndushealthPlus, and Fitternity	Netmeds, FITPASS	–
Health Checkup	Through IndushealthPlus, receive savings of up to Rs. 500	Basic health checkups are free, and Netmeds First Members receive an additional 5% off of any pathology lab tests.	Annual preventative health examination (25 variables)annual exams for the eyes and teeth
Doctor Consultation	Free monthly Practo access to four video doctor appointments	FREE perpetual online medical consultation as part of the Netmeds subscription	Unlimited consultations through the app with general practitioners, specialists, and nutritionists
Fitness Session	Discounts on nutritional consultations, 4 free interactive video fitness sessions, and 16 recorded sessions each month	1 free year of FITPASS PRO membership	6 no cost workout classes each month
Medicines	The Practo Plus membership offers a flat 20% discount on all orders for prescription medications, lab testing, and health examinations.	Free delivery and priority processing are included as well as an extra 2.5% NMS Cash thanks to membership in Netmeds First.	Accelerated incentives on purchases from pharmacies and drug stores
Accelerate Rewards	5X EDGE REWARDS on insurance purchases, with a Rs.10,000 maximum transaction.	10 Reward Points are awarded for every Rs. 100 spent at pharmacies, restaurants, and movie theatres.	For every Rs. 200 spent at chemists and pharmacies, customers receive 20 reward points.

Should You Get This Axis Bank Aura Credit Card?

Consider purchasing this card if:

• You are specifically searching for a card with features focused on health and wellbeing at a reasonable annual cost.
• You routinely visit doctors and participate in fitness activities through the affiliated partner brands Practo, Fitternity, and IndushealthPlus, and you have no problem switching from your regular physician to those listed on Practo.
• Online consultations are preferred over in-person doctor visits.
• You can take advantage of the free workout sessions if you want to keep a healthy lifestyle.
• The Axis Bank AURA Credit Card is a full bundle with a reasonable annual fee to maintain your general well-being if your spending habits and needs match those mentioned above.

Drawbacks Of Axis Bank Aura Credit Card

• The card does not provide coverage for medical emergencies.
• In general, compared to other cards, the reward rate is modest.
• The co-branded medical benefits are excellent and make the card a smart option for customers who are devoted to a certain brand. This could be a disadvantage because people typically prefer to contact doctors they are familiar with or who they have confidence in. Therefore, discounts for trips to the local hospital could have been preferable.
• Visits to the doctor for physical ailments are not covered. Consequently, a problem for those who occasionally prefer a physical visit for emergencies.
• Even at a cost of Rs. 749, the card does not waive annual fees or provide any milestone incentives.

Comparison Between Axis Bank My Zone Credit Card Vs. Axis Bank Aura Credit Card

Features/Charges	Axis Bank My Zone credit card	Axis Bank Aura credit card
Joining Fees	NIL	Rs. 749 + Taxes
Annual Fees	NIL	Rs. 749 + Taxes
Welcome Benefits	With this card, receive a free annual subscription to SonyLiv Premium, valued at Rs. 999.	After paying the joining costs, receive a 750 rupee Decathlon gift card.
Cashback / Rewards point	Earn 4 EDGE Points (a reward rate of 0.4%) for every Rs 200 you spend using the card.	Earn four reward points for each rupee of card usage of Rs. 200.
Dining benefits	Use this card to receive a 15% discount at participating restaurants through the ‘Dining Delights’ programme of Axis Bank.	Use this card to receive a 20% discount at participating restaurants.
Travel benefits	Use this card to receive one complimentary visit to a domestic airport lounge each quarter.	N/A
Annual fees waiver	Nil	N/A
Fuel surcharge waiver	At all fuel pumps in India, use this card to receive a 1% fuel surcharge waiver.	At all fuel pumps in India, use this card to receive a 1% fuel surcharge waiver.

Axis Bank Aura Credit Card Customer Care

You can call 1860 419 5555 or 1860 500 5555 for Axis Bank retail phone banking support or questions about the credit card. You can call the 24-hour hotline at +91 22 67987700 to block your card.

Conclusion

The bank has a special credit card called the Axis Bank AURA. You can only get so many health and fitness perks from one credit card on the market. Given its health benefits, the card may undoubtedly be considered an excellent option for people who are concerned about their health and fitness, even though its reward rate is not particularly high (0.2% on regular purchases and 1% on insurance purchases). You can save a lot of money with this card if you frequently visit the doctor for consultations or for medical checkups. Discounts on nutritional goods and diet counselling are available for diet- and fitness-conscious people.

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