Axis Bank Logo

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: Terms and Conditions

1. Eligibility :

  • The Axis Bank Rewards Programme is open to all Axis Bank primary credit cardholders, excluding corporate cardholders.
  • Credit cardholders are eligible for the programme only as long as their credit card accounts and all linked accounts are valid and in good standing, i.e. there is no amount overdue.
  • The credit cardholder cannot transfer Reward points to another cardholder. The credit cardholder can, however, combine Reward points of his/her multiple credit cards at the time of redemption.

2. The Rewards Programme:

  • Eligible credit cardholders of Axis BANK will earn 1 Reward point for every purchase of Rs.100 on the credit card.
  • Reward points will be offered only for purchases made on the credit card.
  • Cash advances, any fees/charges and disputed transactions will not accrue Reward points.
  • Purchases on add-on credit cards will accrue Reward points which will be credited to the primary cardholder's card account. Only the primary credit cardholder can redeem Reward points.
  • To start redeeming Reward points, primary credit cardholder will need to accumulate 500 points.

3. Reward Redemption:

  • Reward points can be redeemed against Gifts by the primary cardholder only. Reward points cannot be exchanged for cash or credit or used to obtain cash advances, or used against payments of any charges.

  • Credit cardholders have the option of redeeming their Reward points against the goods listed in the Rewards catalogue.
  • Redemption against goods is subject to the availability of stocks. In the event of non -availability or discontinuance of any product, Axis BANK reserves the right to substitute an item with another brand/ product of equivalent monetary value.
  • Axis BANK makes no warranties or representations either expressed or implied, with regard to the type, quality or fitness of the goods provided through the Rewards Programme. Gifts will be accompanied by warranty information from the manufacturer and claims must be directed to the manufacturers directly.
  • Any dispute arising out of products and services found defective or deficient must be communicated within 7 days of receiving the Gift/s to our Customer Care

Gift Vouchers:
  • Credit cardholders have the option of redeeming their Reward points against the Gift Vouchers listed in the Rewards catalogue.
  • Gift Vouchers cannot be exchanged for cash (in part or in full).
  • Axis BANK does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the Rewards Programme.
  • All disputes in this regard shall be taken up directly by the credit cardholder with the participating establishment.

4. Redemption Process:

  • Redemption of Reward points is not automatic. Credit cardholders will have call Axis Bank Customer Care to place the redemption request.
  • Redemption of gifts and gift vouchers is subject to availability.

5. Fulfillment:

  • Any redemption request received by Axis BANK will be fulfilled in three weeks time from the date of receipt. Whilst Axis BANK shall endeavour to take prompt action in every case, Axis BANK shall not be liable in any way for any delay.

6. Delivery:

  • Delivery will be made only at the billing statement address. A copy of the Proof of Delivery (POD) can be obtained from Axis BANK, if requested, within 30 days of the delivery date.
  • Delivery will be made only against written acknowledgement of receipt of the goods by any occupant at the billing statement address. Such acknowledgement shall be deemed to be acknowledgement of the credit cardholder.
  • No delivery will be made to P.O. Box addresses or to addresses outside India.
  • Axis BANK or a third party service provider such as a courier company shall make three attempts to deliver the goods ordered to the billing statement address. If the goods are not delivered after three attempts, the Bank will hold the goods for 15 days from the date of the third attempt. If the credit cardholder does not contact the Bank within these 15 days, the Bank shall credit the credit cardholder's account with the Reward points used for those goods.
  • If a gift should arrive damaged, and:
    • If the damage is evident from the condition of the packaging, the credit cardholder should refuse the shipment and obtain a refusal note from the courier company and send it to the Manager, Customer Care Credit Cards, Axis Bank Ltd., Solaris Premises, 6th Floor, C-Wing, Saki Vihar Road, Opp. L&T Gate No.6, Powai, Andheri (E), Mumbai - 400072
    • If the damage is discovered after opening the package, the credit cardholder should keep all packaging materials and cartons and return all the material to the Manager, Customer Care Credit Cards. If the returned goods are found by Axis BANK to be defective or not to comply with the description in the Rewards catalogue, Axis BANK shall in their best endeavour procure replacements for the items and if not, shall credit the credit cardholder's account with the points used for those items. The credit cardholder shall thereafter have no claim whatsoever against Axis BANK.


  • Axis BANK reserves the right to wholly or partly modify the Rewards Programme. Axis BANK also reserves the right to change the Reward point conversion rate, withdraw Reward points awarded or to vary any of the terms and conditions herein in its absolute discretion and without prior notice to credit cardholders.
  • In case this Rewards Programme comes in conflict with any rule, regulation or order of any statutory authority, then Axis BANK has absolute authority and right to modify or cancel this programme to give effect to the said requirements.


  • Fraud and abuse relating to earning and redemption of Reward points in the Rewards Programme will result in forfeiture of accrued points as well as termination of the credit cardholder's credit card account.
  • Information supplied by the credit cardholder on the redemption of certain products/services may be used by Axis BANK or its service establishments for administrative or marketing purposes.
  • The Rewards Programme is entirely voluntary and it is understood that all charges are voluntarily incurred by the credit cardholder in the normal course of credit card usage.
  • Any tax or other liabilities or charges payable to the Government or any other authority or body or any other participating establishment which may arise or accrue to the Axis BANK credit cardholders by redemption as aforesaid or otherwise as result of this Rewards Programme shall be to the sole account of the Axis BANK credit cardholder.
  • Terms and conditions stated herein do not amount to commitment or representation by Axis BANK to conduct such programmes.
  • Selection of the products / services offered under the Rewards Programme will be at the sole discretion of Axis BANK and are liable to change without notice.
  • Axis BANK assumes no responsibility for the Reward points converted into a participating partner's loyalty programme or for actions of any participating merchant or any other partner in connection with the Rewards programme or otherwise.
  • In the event of the Axis BANK credit card being voluntarily closed by a credit cardholder, the Reward points that are in the credit card account can be redeemed within one month of card closure. In case the credit cardholder fails to redeem these points within one month of closure, the Reward points will automatically lapse.
  • In case of a disputed transaction being resolved in the favour of the credit cardholder and/or where a transaction is reversed, the equivalent Reward points will also be reversed.
  • Reward points which have been credited or debited to or from the credit cardholder's account shall be reflected in the following month's statement issued by Axis BANK to the credit cardholder.
  • On redemption, the Reward points will automatically be subtracted from the accumulated points in the credit cardholder's credit card account.
  • Redemption orders once given to Axis BANK cannot be cancelled, withdrawn or changed. Redeemed rewards are not exchangeable for other rewards or refundable, replaceable or transferable for cash or credit under any circumstances. Reward points once exchanged for any other partner's loyalty programme cannot be transferred or cancelled.
  • Axis BANK will not be held responsible if any supplier of products/ services offered to credit cardholders withdraws, cancels, alters or amends those products/ services.
  • Axis BANK is not responsible for lost or stolen coupons/vouchers/certificates redeemed through the Rewards Programme. Axis BANK and its agents are not responsible for any orders not received, due to correspondence lost or delayed in the mail.
  • Axis BANK's decision on computation of Reward points on the credit card account will be final, conclusive and binding on the credit cardholder and will not be liable to be disputed or questioned.
  • The existence of a dispute, if any, with a third party shall not constitute a claim against Axis BANK.
  • Any disputes arising out of this programme shall be subject to the exclusive jurisdiction of competent courts in Mumbai.
  • The terms and conditions of the Rewards Programme shall be governed by the provisions of Indian law.

All queries /disputes arising out of this programme shall be referred to:

  • Manager, Customer Care Credit Cards, Axis Bank Ltd., Solaris Premises, 6th Floor, C-Wing, Saki Vihar Road, Opp. L&T Gate No.6, Powai, Andheri (E), Mumbai - 400072

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