Axis Bank My Wings Credit Card is a thoughtful travel credit card that offers a multitude of benefits for travel within the country and abroad, from flights and stays to railway bookings and even bus bookings. The card is primarily targeted at frequent flyers through the extended provision of value-loaded cashbacks, travel discounts, and complimentary access to airport lounges.
One of the finest aspects of the My Wings Credit Card is the two base fare flight tickets as a welcome gift at activation, which is itself worth the cost. It also offers rewards in the form of cashback of Rs. 3,000 on international holiday packages, Rs. 2,500 on Indian holiday packages, and additional savings on hotels, bus fares, and even IRCTC train bookings. Card members also get to experience 1 free airport lounge visit in India quarterly, which is a bonus.
The card comes with a joining fee of Rs. 1,200 and from the second year, Rs. 500 annually. On the rewards side, the cardholder gets 4 EDGE Reward Points for every Rs. 200 spent, which can be redeemed on the Axis EDGE Rewards website to buy flights, accommodation, merchandise, and more. With other benefits like a 15% discount at partner restaurants, a 1% fuel surcharge waiver, and EMI conversion of high spends, the card is a well-rounded offering for travelers who want to save on all types of travel.
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Axis Bank My Wings Welcome Benefits
The moment you get the Axis Bank My Wings Credit Card, you are offered two base fare air tickets as a welcome offer. That itself can save you a couple of thousand rupees based on your travel plans, and that makes it a value-for-money entry-level for frequent flyers. The offer is activated post the first transaction, providing you with real, usable value instead of convoluted thresholds. A few users have even reported getting the joining fee back with this offer within the first month of use.
Travel Perks
My Wings Credit Card is unique in providing varied travel rewards on air, train, and road travel. The customer gets up to Rs. 3,000 as cashback on international holiday reservations and Rs. 2,500 as cashback on domestic holiday packages reserved on Axis Bank’s partner websites. The icing on the cake is, the traveler gets Rs. 800 off on hotel reservations, Rs. 100 off on bus reservations, and 5% off on IRCTC train ticket reservations, all rewards that suit travel interests and pockets. These deals are offered on the travel website of Axis Bank, with the guarantee of a hassle-free and certified booking experience.
Axis Bank My Wings Credit Card Lounge Access
Axis Bank My Wings Credit Card has a few but helpful airport lounge privileges, especially for domestic travelers. The card members can enjoy one complimentary airport lounge access in each calendar quarter, provided they have spent at least ₹50,000 during the previous three months. This condition has been in effect since May 1, 2024, and only for domestic airport lounges. Eligible partner lounges include those owned by partners such as Travel Club, Encalm, 080 Lounge, and Adani, at Delhi, Mumbai, Bangalore, Hyderabad, and other airports.
State that this benefit is offered on some card types (typically Visa), and international lounge privilege is not included in this scheme. Further, the lounge benefit is not given to add-on cardholders or visitors coming along with them; such access may be charged. Access can be made through swiping the card or scanning the Axis Bank lounge QR code with the mobile application.
Although this advantage eases flying, the consumers must ensure that the spend required is achieved and confirmed before attempting to access the lounge, as entry can be denied if the levels of requirements are not updated in the system at the time of swipe.
Axis Bank My Wings Credit Card Milestone benefits
Upon activation and completion of an eligible travel booking, cardholders receive two complimentary base-fare domestic flight tickets. In addition to this welcome benefit, the card provides the opportunity to earn up to ₹10,000 worth of travel vouchers annually based on spend-linked milestone offers. These include
- ₹3,000 cashback on international holiday packages (minimum booking ₹20,000)
- ₹2,500 cashback on domestic holiday packages (minimum booking ₹20,000)
- ₹1,500 cashback on international return flight bookings
- ₹500 cashback on domestic return flight bookings
- ₹1,500 off on international hotel bookings (minimum booking ₹7,000)
- ₹1,000 off on domestic hotel bookings in India, Nepal, and Bhutan (minimum booking ₹7,000)
- ₹400 cashback on car rental bookings
- ₹100 cashback (twice) on bus ticket bookings
Shopping Benefits (Amazon, Flipkart, Myntra)
There are no additional discounts, benefits, or higher rewards on favorite online shopping portals like Amazon, Flipkart, or Myntra on the Axis Bank My Wings Credit Card. All qualifying retail purchases, including purchases on these portals, get 2 EDGE Reward Points for every ₹200 spent, the card’s minimum reward rate.
There are no category-based multipliers or co-branded ties on shopping online with this card. Therefore, frequent shoppers shopping at Amazon, Flipkart, or Myntra may not find this card most rewarding for retail or lifestyle spend.
Others seeking greater value out of e-commerce spend on products can do better with other products, such as the Flipkart Axis Bank Credit Card (offering 5% cashback on Flipkart and Myntra) or the Amazon Pay ICICI Credit Card (offering up to 5% back on Amazon for Prime members).
Other Benefits
Though not designed to be a high-expenditure shopping card, My Wings still provides reasonable daily savings. Members save up to 15% at Indian partner restaurants under Axis Bank’s “Dining Delights” offer. This way, even on non-outstation journeys, you still get lifestyle value through daily dining.
Other Benefits The card provides a 1% fuel surcharge rebate on fuel spends between Rs. 400 and Rs. 4,000, up to Rs. 400 per month, of priceless value to regular users of private transport. It also provides EMI conversion for high-value spends of more than Rs. 2,500, and customers can plan their spends better without piling on their monthly spends. This signifies Axis Bank’s value of prudent, flexible budgeting for middle-class travelers.
My Wings Credit Card Rewards Points
The Axis Bank My Wings Credit Card has an easy reward system for occasional spenders. Members earn 2 EDGE Reward Points for every ₹200 of eligible spend. Increased reward categories are absent on this card, and hence the earn rate everywhere and however the card is spent remains constant. While this rate may appear low, it is in line with what the mass-market segment of travel cards generally gives.
As for redemption, earned EDGE Reward Points can be redeemed on the Axis EDGE Rewards website, where clients can redeem points for rewards in the form of vouchers, merchandise, travel bookings, or utility bills. The redemption value of 1 EDGE Reward Point is between ₹0.20 and ₹0.25, depending on the chosen redemption. For instance, a ₹500 Amazon voucher can be redeemed for an approximately 2,000–2,500 points. Clients are notified that reward redemption would be subject to a nominal fee of ₹99 + GST per transaction.
Axis Bank My Wings Credit Card Fees
The Axis Bank My Wings Credit Card has a comparatively low fee structure and is within the affordability of regular in-country travelers. The card charges a joining fee of ₹1,200 to be paid once and no first-year annual fee. There is a second-year renewal fee of ₹500. This places the card in a favorable position considering its travel privilege.
| Charge Type | Amount / Rate |
|---|---|
| Cash Advance Fee | 2.5% of amount withdrawn (Min ₹500) |
| Finance Charges (Retail/Cash) | 3.40% per month (≈49.96% p.a.) |
| Late Payment Charges | ₹0–₹1,200 based on total due |
| Overlimit Fee | 2.5% of overlimit amount (Min ₹500) |
| Foreign Currency Mark-up | 3.5% of transaction value |
| Cash Payment Fee (Branch) | ₹175 per payment |
| Cheque Return / NACH Failure | 2% of payment amount (Min ₹500) |
| Reward Redemption Fee | ₹99 + GST per redemption (waived in selected categories) |
| Dynamic Currency Conversion (DCC) | 1.5% + taxes (if charged by merchant at POS) |
| Add-on Card Fee | Nil (Joining & Annual) |
| Fuel Surcharge | 1% (on ₹400–₹4,000; credited back monthly) |
| Rent Payment Charge | 1% of transaction amount |
| Railway Booking Charges | As per IRCTC guidelines |
Axis Bank My Wings Credit Card Review
Axis Bank My Wings Credit Card is a basic travel card aimed at occasional domestic travelers. It provides access to airport and railway lounges and offers milestone-based travel vouchers. However, these vouchers come with strict spending and booking requirements, making them difficult for most users to fully use.
The reward rate is low, with no bonus rates for specific categories and a poor conversion value, especially on e-commerce sites like Amazon, Flipkart, and Myntra, where the card does not offer special perks. It’s not a good choice for everyday or online shopping.
On the positive side, the joining fee of ₹1,200 and a renewal fee of ₹500 are fairly priced. In conclusion, this is an entry-level card suited for users looking for minimal travel benefits at a low cost, but it falls short in terms of overall rewards and shopping perks.
FAQ
- What kind of lounge access does the Axis Bank My Wings Credit Card offer?
The card provides free access to select domestic airport lounges and railway lounges in India. Access is limited to a set number of visits each quarter and follows Axis Bank’s lounge access program rules. - Are the travel milestone benefits easy to claim?
The travel benefits, such as cashback on holiday packages or hotel bookings, require minimum amounts and reservations through Axis Bank’s partner travel sites. You also need to activate coupons, which makes it harder for casual users to take full advantage of these benefits. - Is this card suitable for online shopping?
No. The card does not give any extra rewards, cashback, or partner offers for popular online shopping sites like Amazon, Flipkart, or Myntra. It is not a good choice for users focused on online retail spending. - What is the annual fee, and is it justified?
The card has a ₹1,200 joining fee and a ₹500 renewal fee starting in the second year. This fee is relatively low and may be reasonable for users who can benefit from the basic travel perks provided. - Who should apply for this credit card?
This card works best for entry-level users who travel occasionally and want basic lounge access and travel-related discounts at a low cost. It is not suitable for heavy spenders or those looking for strong reward programs.
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