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Credit Cards

Titanium Smart Traveler
Credit Card

A card with extra travel benefits to make your
journeys more rewarding

Fuel Surcharge Waiver

On all fuel transactions upto Rs. 400 per month

Convert Purchases to EMI

On transactions of Rs. 2,500 or more

Axis eDGE Rewards

Earn reward points for completing transactions

Extra eDGE points on spends abroad

8 points for every Rs. 200 spent internationally

Features and Benefits

Description Charges
Standard Joining Fee
  • Rs. 250 (Waived on spends of
  • Rs. 2500 within 45 days of card setup), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Standard Annual Fee Rs.100 (from 2nd year onwards. Waived on spends of Rs. 50000 in the preceding year), for cards setup on or after February 07, 2011

Nil, for cards setup before February 07, 2011
Standard Add-on Card Joining Fee Rs 100, for cards setup before February 07, 2011

Nil, for cards setup on or after February 07, 2011
Standard Add-on Card Annual Fee Nil
Finance Charges (Retail Purchases & Cash) Titanium: 3.25% per month (46.78% per annum)

Gold: 2.95% per month (41.75% per annum)
Cash Withdrawal Fees 2.5% (Min. Rs 250) of the Cash Amount
Fee for Cash Payment Rs. 100/-
Card Replacement (lost or stolen or re-issue) Waived
Emergency Card Replacement Fee when overseas (through VISA) As per VISA Global Customer Assistance Services (GCAS).
Duplicate Statement Fee Waived
Overdue Penalty or Late Payment Fee
  • Nil if Total Payment Due is upto Rs. 100
  • Rs . 100 if Total Payment Due is between Rs. 101 - Rs. 300
  • Rs . 300 if Total Payment Due is between Rs. 301 - Rs. 1000
  • Rs . 500 if Total Payment Due is between Rs. 1001 - Rs. 5000
  • Rs . 600 if Total Payment Due is between Rs. 5001 - Rs. 20000
  • Rs . 700 if Total Payment Due is Rs. 20001 and above
Over Limit Penalty 3% of the overlimit amount (Min. Rs 500)
Chargeslip Retrieval Fee or Copy Request Fee Waived
Outstation Cheque Fee Waived
Cheque return or dishonour Fee or Autodebit Reversal Bank A/c out of Funds Rs 300
Surcharge on purchase or cancellation of Railway Tickets As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge 1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee 3.50% of the transaction value
Mobile Alerts for Transactions Waived
Hotlisting Charges Nil
Balance Enquiry Charges Waived

Urgent and Important:

  • With effect from 1st March 2012, Convenience fee* of Rs. 50 per payment will be charged for cash payment of credit card bills at our branches.
  • *The charges will reflect in the next billing cycle along with the service taxes applicable.
  • With effect from May 1, 2013, Complimentary MasterCard Airport Lounge Access programme will not be applicable for Titanium Credit Cards. Upgrade to MY Wings Credit Card to continue enjoying this facility. To upgrade SMS UPGW to 5676782. Terms and conditions apply


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