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Axis Bank Aura Credit Card

Axis Bank Aura Credit Card

Are you passionate about maintaining a healthy lifestyle while also keeping an eye on your finances? Look no further than the Axis Bank Aura Credit Card! This unique card is specifically designed to cater to your well-being needs while offering valuable rewards and benefits. The Axis Bank Aura Credit Card stands out as a beacon of convenience and value in the realm of modern banking. Join us as we delve into the myriad perks and privileges that make this card a must-have for discerning individuals seeking more from their financial solutions. Whether you're a seasoned traveler, a savvy shopper, or simply someone who values convenience and security, the Axis Bank Aura Credit Card promises to be your trusted companion on your journey toward financial empowerment.

In this blog post, we'll delve deep into the world of the Aura Credit Card, exploring its features, uncovering its hidden gems, and helping you decide if it's the perfect fit for your wellness journey and financial goals.

Axis Bank Aura Credit Card: A Deep Dive into Features and Benefits

Calling all health and wellness enthusiasts! The Axis Bank Aura Credit Card might be the perfect companion for your journey towards a healthier lifestyle. Packed with unique features and benefits, this card goes beyond just facilitating purchases and delves into the realm of well-being. Here's a detailed breakdown of what it offers:

Focus on Health and Wellness:

  • Free Doctor Consultations: Enjoy the convenience of 4 complimentary video consultations per month with qualified doctors via Practo, covering yourself and 3 family members.

  • Fitness Benefits: Get active with 4 interactive video fitness sessions and access to 16 recorded sessions every month through Fitternity.

  • Discounted Health Checkups: Save up to Rs. 500 annually on health checkups offered by IndushealthPlus, helping you stay proactive about your health.

  • Nutritional Support and Discount: Receive discounts on consultations with qualified nutritionists and enjoy discounted purchases of nutritional food items. Get a minimum 30% discount on nutritional/diet consultation from renowned nutritionists also get a minimum 30% discount on nutritional foods.

Reward Program:

  • EDGE Rewards Points: Earn 2 EDGE Reward points for every Rs. 200 spent on your card, offering flexibility to redeem them for various benefits.

  • Accelerated Rewards: Enjoy 5X EDGE Reward points on all your insurance spends, maximizing your rewards on essential purchases.

Additional Benefits:

  • Welcome Gift: Receive a Rs. 750 voucher from Decathlon and Amazon upon card issuance, perfect for kickstarting your fitness journey with new gear.

  • Dining Delight: Get up to 20% discount at partnered restaurants of Axis Bank in India with Axis Bank Dining Delight offer.

  • Fuel Surcharge Waiver: Enjoy a waiver on fuel surcharge for transactions between Rs. 400 and Rs. 5,000 at petrol pumps across India, offering some relief on everyday expenses.

Unveiling the Drawbacks of the Axis Bank Aura Credit Card

While the Axis Bank Aura Credit Card boasts features attractive to health-conscious individuals, it's crucial to consider its drawbacks before making a decision. Here's a closer look at some potential downsides:

Limited Scope of Health Benefits:

  • Consultation Restrictions: The complimentary doctor consultations are restricted to online video sessions through Practo, potentially limiting your options if you prefer in-person consultations. Additionally, the coverage only extends to yourself and 3 family members, which might not be sufficient for larger families.

  • Specific Discounts: The discounted health checkups are offered by IndushealthPlus only, restricting your choice of providers. Similarly, the nutritional support benefits may not be relevant to everyone.

Reward Program Limitations:

  • Low Base Earning Rate: Earning only 2 EDGE Reward points per Rs. 200 spent translates to a meager 1% cashback, which might not be as attractive compared to other cards offering higher base rates.

  • Conditional Bonus Points: The accelerated rewards for insurance purchases are limited to a specific category, potentially hindering your ability to maximize points on your overall spending.

Axis Bank Aura Credit Card Suitability

The Axis Bank Aura Credit Card is suitable for a specific type of customer who prioritizes health and wellness and can justify the annual fee by actively utilizing the offered benefits. Here's a breakdown of who might find this card appealing:

Ideal Customers:

  • Health and Wellness Enthusiasts: Individuals who regularly use online doctor consultations, fitness programs, and avail health checkups can potentially benefit the most from the card's complimentary offerings and discounts.

  • Focus on Preventive Care: If you prioritize proactive health management and value the convenience of online consultations and discounted checkups, this card can be a good fit.

  • Family-Oriented: The card covers consultations for yourself and 3 family members, making it suitable for individuals looking to extend these benefits to their dependents.


The Axis Bank Aura Credit Card presents a unique proposition for health-conscious individuals seeking to integrate wellness benefits into their financial choices. While it offers complimentary consultations, fitness sessions, and discounts on health checkups, limitations exist in terms of coverage and reward-earning potential.

Ultimately, the suitability of the Aura card hinges on your individual needs and priorities. If you actively utilize its features and the annual fee feels justified, it can be a valuable tool in your wellness journey. However, for those with alternative health preferences, limited spending habits, or a focus on broader reward structures, exploring other credit cards might prove a more strategic financial decision. Responsible credit card usage is key, so ensure you can manage your bills effectively to avoid accruing debt.

Factors to consider before selecting a Health and Wellness Credit Card

Here are some key factors to consider before applying for a health and wellness credit card:

Your Spending Habits:

  • Do you spend heavily on healthcare-related expenses like doctor consultations, medications, gym memberships, or fitness classes? If not, the benefits of a health and wellness card might not outweigh the potential drawbacks.

  • Do you anticipate using the card for everyday purchases as well? Many health and wellness cards offer base rewards or benefits on general spending, which can be beneficial if you use the card regularly.

The Card's Benefits:

  • What specific health and wellness benefits does the card offer? Do they align with your needs and preferences? Consider factors like:

  • Type of consultations: Are they in-person, online, or limited to specific platforms?

  • Discounts and partnerships: What healthcare providers, fitness centers, or wellness services are included?

  • Additional benefits: Does the card offer gym memberships, fitness trackers, or other perks?

  • What is the card's reward program? Does it offer cashback, points, or travel miles that you find valuable?

The Fees and Charges:

  • What is the annual fee? Can you justify the cost by utilizing the benefits enough to offset it?

  • Are there any other fees associated with the card, such as foreign transaction fees or cash advance fees?

Your Overall Financial Situation:

  • Do you have a good credit history? Many health and wellness credit cards require good or excellent credit scores for approval.

  • Can you afford the potential for increased debt? Remember, credit cards come with high-interest rates. It's crucial to pay your bills in full and on time to avoid accumulating debt.



Q: What rewards program does the Aura Credit Card offer?

  • Earn 2 EDGE Reward points for every Rs. 200 spent.

  • Get 5X EDGE Reward points on all your insurance spending.

Q: Does the Aura Credit Card come with any welcome gift?

Yes, you receive a Rs. 750 voucher from Decathlon upon card issuance.

Q: What are the annual fees associated with the Aura Credit Card?

The current annual fee is Rs. 749 (subject to change).

Q: What is the interest rate on the Aura Credit Card?

Like most credit cards, the Aura Credit Card carries a high-interest rate on outstanding balances. The interest rate charged by Axis Bank Aura Credit Card is 3.4% per month (49.36% per annum).

Q: Are there any limitations to the free doctor consultations offered by the card?

Yes, consultations are limited to online video sessions through Practo and cover yourself and 3 family members.

Q: Can I use the discounted health checkups offered by the card with any provider?

No, the discounted checkups are only available through IndushealthPlus.

Q: Does the card offer any airport lounge access or travel benefits?

No, the Aura Credit Card currently does not offer any airport lounge access or specific travel benefits.

Q: Is the Aura Credit Card right for me?

The Aura Credit Card can be suitable if you actively utilize the health and wellness benefits and the annual fee is justified by your usage. However, if you have alternative health preferences, limited spending, or prioritize different benefits like travel or broader rewards, exploring other credit card options might be more prudent.

Q: How can I apply for an Aura Credit Card?

You can visit the Axis Bank website or contact their customer care for the latest information and apply for the Card from the official website of the Bank.

Q: What are some alternatives to the Axis Bank Aura Credit Card?

Check our website (click here) and compare different credit cards based on factors like interest rates, annual fees, reward programs, and specific benefits. This allows you to choose a card that best aligns with your financial situation and preferences.



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