Axis Bank My Wings Credit Card

Key Features & Benefits

The Axis Bank My Wings Credit Card is designed for travelers who want maximum value without premium card costs. Right from the start, you receive 2 complimentary domestic flight tickets and travel vouchers worth up to ₹10,000, giving you immediate savings on your journeys. The card goes beyond flights—enjoy ₹500 cashback on domestic return tickets, ₹1,500 on international flights, and even ₹25 off per IRCTC rail booking (up to ₹200 yearly).

What sets this card apart is its multi-transport approach. Book buses through Ezeego1 and get ₹100 cashback, rent a car and save ₹400, or plan entire holidays with cashback up to ₹3,000 on international packages. The card also includes 1 complimentary domestic lounge access per quarter (after spending ₹50,000 in the previous 3 months), fuel surcharge waiver of 1% on transactions between ₹400-₹4,000, and minimum 15% dining discounts at partner restaurants.

For everyday spends, earn 4 EDGE Reward Points per ₹200 spent across all categories. With a modest joining fee of ₹1,200 and just ₹500 annual renewal, this card delivers substantial travel savings without the hefty price tag of premium travel cards, making it ideal for regular domestic travelers and families planning periodic getaways.

All You Need to Know About: Axis Bank My Wings Credit Card

The Axis Bank My Wings Credit Card is a travel-focused credit card available on both Visa and Mastercard networks, issued by Axis Bank Ltd. It caters specifically to budget-conscious travelers who want substantial travel benefits without paying premium annual fees. With a joining fee of ₹1,200 plus GST and an annual renewal fee of just ₹500 plus GST from the second year, this card positions itself as an affordable entry into travel rewards.

The card’s welcome benefits are its strongest attraction—cardholders immediately receive 2 complimentary base fare domestic flight tickets that can be booked through Axis Bank’s travel partner Ezeego1, along with hotel and holiday vouchers worth up to ₹10,000. These joining benefits alone can offset the first-year costs significantly. The reward structure is straightforward: earn 4 EDGE Reward Points for every ₹200 spent across all categories, translating to an effective reward rate of approximately 0.4% since each EDGE Point is valued at ₹0.20. While this reward rate is modest compared to premium cards, the real value lies in the card’s targeted travel cashback offers.

The Axis Bank My Wings Credit Card excels in providing multi-transport benefits. Cardholders can earn ₹500 cashback on domestic return air tickets and ₹1,500 on international return tickets when booking through Ezeego1, along with up to 20% cashback on domestic flight bookings. Rail travelers benefit from ₹25 discount per IRCTC ticket with a maximum annual saving of ₹200. The card extends to ground transport too—earn ₹100 cashback on bus bookings and ₹400 on car rentals. Hotel bookings aren’t left out: get ₹1,000 cashback on domestic hotels (minimum booking of ₹7,000) and ₹1,500 on international hotel stays. For complete holiday packages, the card offers ₹2,500 cashback on domestic packages (minimum ₹20,000) and ₹3,000 on international packages, making it ideal for families planning full vacations.

A significant change took effect from 1st May 2024 regarding lounge access. Previously more accessible, the card now offers 1 complimentary domestic airport lounge visit per quarter (4 visits annually), but only if you’ve spent at least ₹50,000 in the previous 3 calendar months. This spending threshold has made lounge access more challenging for light spenders. Beyond travel, the card includes lifestyle benefits such as fuel surcharge waiver of 1% on transactions between ₹400 and ₹4,000 (capped at ₹400 per month) and minimum 15% discounts at partner restaurants through Axis Bank Dining Delights. The card charges a foreign exchange markup of 3.50% on international transactions and carries interest rates between 3.40% to 3.75% per month (43.2% to 49.96% annualized) on revolving credit. Additional charges include ₹99 plus GST as a redemption fee for EDGE Points, cash advance fees of 2.5% or ₹500 minimum, and late payment penalties ranging from ₹500 to ₹1,200. The application process is digital-friendly with online applications accepted through the Axis Bank website, requiring standard KYC documentation including Aadhaar, PAN, income proofs, and video KYC verification, with card delivery typically within 7-10 days of approval.

Pros & Cons

How to Apply

Applying for the Axis Bank My Wings Credit Card is straightforward and can be completed online or in-branch. Visit the official Axis Bank website and navigate to the credit cards section, then select the My Wings Credit Card. Click on “Apply Now” and fill in your personal, employment, and income details in the online application form.

You’ll need to upload KYC documents including Aadhaar card, PAN card, income proof (salary slips or ITR for last 3 months), and address proof. After submitting your application, complete the Aadhaar-based authentication or video KYC verification as required by the bank. Once your documents are verified and your application is approved, the card will be dispatched to your registered address within 7-10 working days.

Alternatively, visit your nearest Axis Bank branch with the required documents, and the bank representative will assist you with the application process. You can track your application status online using your mobile number or application reference number.

Official Application Link: https://www.axisbank.com/retail/cards/credit-card/my-wings/

Detailed Fee Structure

The Axis Bank My Wings Credit Card has a transparent fee structure with a joining fee of ₹1,200 plus 18% GST (total ₹1,416). From the second year onwards, you’ll pay an annual renewal fee of ₹500 plus 18% GST (total ₹590). Add-on cards for family members are provided free of cost. Unlike many cards, there’s no spending-based annual fee waiver available, so you’ll need to pay the renewal fee regardless of usage.

Beyond the basic fees, be aware of additional charges: cash advances attract 2.5% of the amount or ₹500 minimum, whichever is higher. Late payment fees range from ₹500 to ₹1,200 depending on your outstanding amount. If a cheque bounces, you’ll be charged 2% of the cheque value (minimum ₹450, maximum ₹1,500). Card replacement costs ₹100 plus GST, and redeeming your EDGE Reward Points incurs a ₹99 plus GST redemption fee. Interest on revolving credit is charged at 3.40% to 3.75% per month (43.2% to 49.96% annually), and foreign currency transactions carry a 3.50% markup fee.

Who Should Get This Card?

The Axis Bank My Wings Credit Card is ideal for budget-conscious travelers who make regular domestic trips and want to maximize savings across multiple transport modes. If you’re someone who books flights, trains, and buses frequently—especially for family travel—this card’s comprehensive cashback structure delivers real value.

This card also appeals to those who can comfortably spend ₹50,000 per quarter to unlock lounge access, combining regular expenses with travel planning. Students planning trips, young professionals starting their travel journey, and families who prefer driving with occasional flights will appreciate the car rental cashback and fuel surcharge waivers. However, if you’re a frequent international traveler, high spender seeking luxury lounge access, or someone looking for premium reward rates above 1%, you might find better value in higher-tier travel cards.

Alternatives & Competitor Comparison

Feature	Axis Bank My Wings Credit Card	ICICI Bank Coral Credit Card
Card Image
Card Network	Mastercard, Visa	Mastercard, Visa
USP	The Axis Bank My Wings Credit Card delivers comprehensive travel rewards with 2 free domestic flight tickets, up to ₹10,000 in vouchers, and cashback on flights, trains, buses, and hotels—perfect for budget-conscious travelers seeking multi-transport benefits at an affordable annual fee.	The ICICI Bank Coral Credit Card delivers 2% rewards on retail spends, quarterly domestic lounge access, movie ticket discounts, and fuel surcharge waivers, making it perfect for everyday shoppers seeking lifestyle benefits at an affordable annual fee.
Annual Fee	500 Plus GST	500 Plus GST
Joining Fee	1200 Plus GST	500 Plus GST
Welcome Benefits	2 complimentary base fare domestic flight tickets via Ezeego1, plus hotel and holiday vouchers worth up to ₹10,000	2,000 reward points on spending ₹2,00,000 in the first year under milestone rewards
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 calendar months	Domestic: 1 per quarter
Reward Rate	Earn 4 EDGE reward points per ₹200 spent (approximately 0.4% reward rate, as each EDGE Point is worth ₹0.20)	Earn 2 reward points per ₹100 on retail spend (2% return) and 1 reward Point per ₹100 on utilities and insurance (1% return). Get 6x to 12x points on iShop portal. milestone bonus: 2,000 points at ₹2L spend, then 1,000 points per ₹1L thereafter (max 10,000 points/year)
Interest Rate	3.40% to 3.75% per month (43.2% to 49.96% per annum)	3.75% per month (45% per annum)
Best For	Flight Bookings	Lounge Access, Movies
Apply Now	Apply Now	Apply Now

Frequently Asked Questions