Axis Bank Aura Credit Card Review

Author And Publisher: Gyro 3.o
20.06.2025 03:43 PM - Comment(s)

Axis Bank Aura Credit Card

Financial Expert Advice

  Choose Your First (or Next) Credit Card Wisely  


   "Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.

Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;

 and lead to unnecessary debt. Focus on    stability & discipline."   


Axis Bank Aura Credit Card Review

Introduction

The Axis Bank Aura Credit Card is a unique offering in the Indian credit card market, targeting individuals who prioritize health, wellness, and fitness. While its rewards structure is modest compared to traditional cashback or travel cards, the Aura card stands out for its comprehensive suite of health and wellness benefits, including free doctor consultations, discounted health checkups, and complimentary fitness sessions, Here’s a detailed review to help you decide if this card is right for you.

Key Features and Benefits


Welcome Benefits

  • Decathlon or Amazon voucher worth ₹750 as a welcome gift.

Reward Structure

  • General Spends: Earn 2 EDGE REWARD Points for every ₹200 spent (Excludes fuel, rent, utilities, education, government payments).
  • Insurance Spends: Get 10 EDGE REWARD Points per ₹200 spent, capped at ₹10,000 per transaction.
  • Effective Reward Rate: ~0.2% on most spends, significantly higher at ~1% on insurance.

Health and Wellness Benefits

  • 4 free video doctor consultations per month via Practo.
  • Annual discount of up to ₹500 on health checkups.
  • 4 free interactive fitness sessions and 16 recorded sessions per month via Fitternity.
  • Minimum 30% discount on nutritional/diet consultations and foods.

Annual Fee

  • Joining fee: ₹749 + GST.
  • Annual fee: ₹749 + GST from the second year (no annual fee waiver).
  • No joining or annual fee for add-on cards.

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Card Essential

 Type Reward Points
 Welcome Benefits Decathlon or Amazon voucher worth ₹750*.
  Annual Fee
₹749 + GST
 Reward StructureRewards On SPENDS
 Renewal Benefit------------

Rewards and Benefits Analysis

The Aura Credit Card stands out for its health and wellness benefits, which are rare in the credit card space. The free doctor consultations, fitness sessions, and discounts on health checkups and nutritional products make it a compelling choice for health-conscious individuals. However, its reward rate is among the lowest in the market, making it less attractive for those primarily seeking cashback or travel rewards.

Practical Considerations

  • Best for Health-conscious individuals, fitness enthusiasts, and those who value wellness benefits over high rewards.

Redemption Options

  • EDGE REWARD points can be redeemed for shopping/travel vouchers and products via the EDGE REWARDS portal.

  • Redemption fee applies.

Ideal User Profile

  • Individuals who prioritize health, wellness, and fitness.

  • Those who frequently use online doctor consultations and fitness sessions.

  • Applicants seeking a low-fee card with unique health benefits.

Final Thoughts

The Axis Bank Aura Credit Card is a niche product tailored for health-conscious consumers. Its wellness benefits are unmatched in the Indian credit card market, but its low reward rate and lack of travel perks make it less appealing for mainstream users. For those who value health and fitness, the Aura card offers real, tangible benefits that can justify the annual fee—especially for families or individuals who make regular use of its health and wellness features.

Additional Tips for Potential Applicants

  • Use the card for eligible health and wellness spends to maximize benefits.

  • Take advantage of the free doctor consultations and fitness sessions.

This Review Provides A Balanced View Of The Card's Strengths And Weaknesses, Helping Readers Make Informed Decisions About Whether The Axis Bank AURA Credit Card Aligns With Their 

spending habits and financial goals.

! Disclaimer - We strive for accuracy, but this content is for informational purposes only. For the latest product details and offers, please check the official site directly.
Author And Publisher: Gyro 3.o

Author And Publisher: Gyro 3.o

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