Axis Bank
Axis Bank KWIK is a lifetime-free RuPay virtual credit card you get instantly through the Kiwi app and use on UPI; Axis Bank also offers other virtual card options for Indian customers.
Lead with Axis Bank KWIK if you are in India and want a free virtual credit card that rides on UPI for daily scans and pays. It is credit-approval-based and INR-only, so weigh the forex fee before any international use.
Profile
| Issuer / category | Axis Bank · RuPay virtual credit card |
| Official site | https://www.axisbank.com/ |
| Best for | UPI payments, digital-first India, everyday rewards |
| Network | RuPay (Credit on UPI via Kiwi) |
| Rating | 7.5/10 (no logged live ranges yet) |
| Data quality | partial — issuer & partner terms reviewed |
Costs and fees
| Joining fee | ₹0 (lifetime free) |
| Annual fee | ₹0 |
| Forex markup | 3.5% of transaction value |
| Late payment fee | ₹500 (≤₹5k due) / ₹750 (₹5k–10k) / ₹1,200 (>₹10k) |
| Over-limit | 2.5% of over-limit amount (min ₹500) |
| Reward redemption fee | ₹49–₹99 on the EDGE Rewards portal |
| Interest (retail) | ~3.6% per month (≈52.86% p.a.) |
Verification and risk
| KYC required | Yes — PAN + Aadhaar; Indian resident, 18+ |
| Risk level | Medium (credit product) |
| 3-D Secure | Yes (RuPay Secure / issuer step-up) |
Funding and limits
| Fund from | Linked to UPI; credit limit set by Axis Bank |
| Issuance | Instant virtual card on approval via Kiwi app |
| Availability | India only |
Billing
| Billing country | India |
Platform compatibility
| UPI (Kiwi / any UPI app) | Yes — core use case |
| Online / e-commerce | Yes |
| Wallets (GPay, PhonePe, etc.) | Yes |
| Crypto / gambling | Excluded by issuer |
Specific reward and fee figures reflect issuer & partner material current at review; verify the latest schedule on the Axis Bank / Kiwi apps.
What the issuer states on its own site
- Axis KWIK is a lifetime-free RuPay credit card with no joining or annual fee.
- You receive a virtual credit card instantly on approval through the Kiwi app, then link it to UPI and set a UPI PIN.
- You earn 2 EDGE reward points per ₹200 spent (domestic and international), with a 1% fuel surcharge waiver on ₹400–₹4,000 fills.
Source: (terms current as of our review).
How it performed in our tests
We have not yet logged live checkout ranges for Axis Bank. When we do, the cleared charges and decline reasons will appear here next to each BIN. Until then, the fee and limit rows above come from the issuer's published terms, not from our own clears.
Browse the BIN directory → to check any range you already hold.
Where to go next
Category guides
Issuing country
Other virtual cards we track
Head-to-head comparisons
Frequently asked
What does Axis Bank KWIK cost?
The card is lifetime free: no joining and no annual fee. Costs appear on use — a 3.5% forex markup on international spend, late-payment fees by amount due, and ~3.6% monthly interest if you carry a balance.
How do I get the Axis Bank virtual card?
Download the Kiwi app, apply for the Axis KWIK credit card inside it, complete PAN + Aadhaar KYC, and you get an instant virtual card on approval that you link to UPI.
Is Axis Bank KWIK available outside India?
No. It is an Indian RuPay credit card for resident Indians; forex fees apply on any international use.
Does Axis Bank KWIK work for ad-platform spend?
It is a consumer RuPay credit card on UPI, not a business ad-spend card. For ad platforms, a dedicated business virtual card is usually a better fit.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.
Related virtual card searches
Looking for the Axis Bank KWIK virtual credit card, how to get an instant RuPay virtual card on UPI, or whether Axis Bank KWIK clears at Indian checkouts? We cover Axis Bank KWIK, the RuPay virtual credit card, and how it compares to other India virtual cards.