Axis Bank Gold Credit Card Review

Axis Bank Gold Credit Card is designed to offer shopping benefits and discounts. The card primarily meant for shoppers offers nothing exclusive to its cardholders and has features similar to other shopping inclined cards.

The card scores well in the interest rate offering. It offers an interest rate of 2.95% p.m. which is very competitive compared to other shopping cards. However the card has very few discount offers available be it shopping, dining or travelling.

As for the card Reward points program it offers 1 PlusPoint (Reward Points are referred as PlusPoints in this program) for every Rs.100 spent on Domestic Spends and 2 PlusPoints for every International Spend of Rs. 100. The card offers fuel purchase benefits like fuel surcharge refund of 2.5%. However one does not enjoy the privilege of earning Reward points on fuel purchase.

The Card offers an impressive feature of an e-shop card. In this feature the credit card can be used as a virtual credit card for online shopping. The procedure is simple and safe revealing the least possible information of your credit card online.

The insurance cover with the card is impressive offering Air Accident Cover along with credit shield. The card also provides coverage for lost card liability of upto Rs 1 lakh. Another impressive feature of the card is that it has zero replacement card charges.

Axis Bank Gold Credit Card has no Joining or Annual fee. The card in comparison to other gold credit cards like SBI’s Gold and More card or Kotak Mahindra Fortune Gold Credit Card scores well in the interest rate department. However when compared with regards to shopping features and benefits the card just does not have enough on offer.