M16S / Axis Bank / Axis Business Supreme Visa Credit Card
entry · business, rewards, lifetime-free
Axis Business Supreme Visa Credit Card
The Axis Business Supreme Visa Credit Card charges no annual fee and no joining fee. Its base return is 0.1%. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's own documents on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.1%
- Forex markup
- 3.5%
- Interest
- 3.6%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | No joining fee; annual fee nil in year 1 and from year 2 onwards (issuer page) |
Rewards
| Welcome benefit | 100 EDGE RP on the first online transaction |
|---|---|
| Reward currency | EDGE Reward Points |
| Base earn | 1 EDGE RP per Rs 200 on all other spend. The page also carries an older line, '4 points on every Rs 200 spent on the credit card'. |
| Base return | 0.1% |
| Point value | Rs 0.20 per EDGE Reward Point (issuer value stated on Axis retail card pages; this page shows a redemption fee 'as applicable') |
| Accelerated earn | 4 EDGE RP per Rs 200 on travel and tour operators, domestic airlines and direct marketing/advertising services; 3 per Rs 200 on international spend; double points in the birthday month |
| Spends that earn nothing | Fuel, jewellery, cash withdrawal, wallet loads, insurance, education, government services, rent, EMI transactions and purchases converted to EMI, UPI transactions under Rs 2,000 |
| Reward notes | base_return_pct = 1 point per Rs 200 x Rs 0.20 = 0.1%, using the page's category-wise earn table (4 on travel/advertising, 3 international, 1 on other spend). If the page's legacy line of 4 points per Rs 200 on all spend still applied the base would be 0.4%; confirm with Axis. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.5% |
| Other freebies | Auto bill pay by standing instruction (90+ billers); EMI conversion on purchases above Rs 2,500; controls through net banking and WhatsApp banking |
Charges and eligibility
| Interest per month | 3.6% |
|---|---|
| Late payment fee | Rs 300 if total payment due is up to Rs 2,000; Rs 400 for Rs 2,001-5,000; Rs 600 for Rs 5,001 or more |
| Cash advance fee | 2.5% of amount, min Rs 500; cash up to 30% of credit limit |
| Eligibility | Exclusively for sole proprietors (issuer page) |
| Fine-print notes | Product page read 2026-10-12 confirms nil fees, earn table, exclusions, 3.6% monthly interest (43.20% a year), 3.5% forex and penalty fees. No lounge access or fuel waiver is listed for the Visa variant. The same page's tile for Business Supreme Mastercard says 4 domestic lounge visits per quarter and a 1% fuel surcharge waiver. Conflicts resolved from issuer page read 2026-10-12: base_earn/base_return_pct: old '4 EDGE RP per Rs 200 on domestic spend', 0.4% (aggregator) -> issuer page's category table gives 4 only on travel/advertising categories and 1 per Rs 200 on other spend, so base 0.1%; the page is internally inconsistent because it also keeps a '4 points on every Rs 200' line |
Questions
- What is the annual fee of the Axis Business Supreme Visa Credit Card?
- No annual fee.
- Does the Axis Business Supreme Visa Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Axis Business Supreme Visa Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Business Supreme Visa Credit Card?
- Fuel, jewellery, cash withdrawal, wallet loads, insurance, education, government services, rent, EMI transactions and purchases converted to EMI, UPI transactions under Rs 2,000