Axis Bank Aura Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
Maintain Two Credit Cards: One For Routine Expenses And Auto-Debits, And Another Reserved For Emergencies. Avoid Pursuing Rewards; Prioritize Financial Stability And 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.
Card Essential
gaming platforms per statement cycle
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.
CDMS EXPERT ADVICE
The Axis Bank Aura Credit Card is ideal for health-conscious users who regularly invest in wellness and fitness services, offering unmatched benefits in this niche. Prioritize using the card for eligible health spends to fully leverage its advantages. For maintaining financial discipline and managing credit responsibly,
seek expert support from CDMS at Cashon.cards to avoid debt risks while enjoying wellness perks.
spending habits and financial goals.
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