Axis Bank Credit Card
Axis Bank Credit Card Online
| Best Axis Bank Cards | Interest Rate | Annual Fee (Rs.) |
|---|---|---|
| My Zone Card | 3.25% | NIL |
Axis Bank Credit Card Apply Online
| Axis Bank Credit Cards | Category | Joining Fee | Monthly Interest Charge |
|---|---|---|---|
| Insta Easy Card | Low Fee | NIL | 2.50% |
| Miles and More Card | Rewards, Travel and Airline | Rs. 10,000 | 2.95% |
| My Business Card | Cashback, Rewards, Travel and Airline | Rs. 250 | 3.25% |
| My Choice Card | Cashback, Shopping | Rs. 250 | 3.25% |
| My Wings Card | Cashback, Rewards, Travel and Airline | Rs. 1,200 | 2.95% |
| My Zone Card | Cashback, Fuel, Shopping, Travel and Airline | Rs. 500 | 3.25% |
| Platinum Card | Low Fee | Rs. 500 | 3.25% |
| Privilege Credit Card with Unlimited Travel Benefits | Premium, Rewards, Travel and Airline | Rs. 1,500 | 2.95% |
| Signature Cards with Lifestyle benefits | Lifestyle, Premium | Rs. 5,000 | 2.95% |
| Titanium Smart Traveler Card | Rewards, Travel and Airline | Rs. 250 | 3.25% |
| Vistara Card | Travel and Airline | Rs. 10,000 | 2.95% |
Why choose Axis Bank Credit Cards?
Axis Bank credit cards promise tons of great deals. Get dining offers, discounts on movie tickets, exclusive access to airport lounges, fuel surcharge waiver, vouchers and cashbacks. You also get the benefit of Axis Bank rewards program, the Axis eDGE Rewards Program. Axis Bank Credit card certainly make you feel privileged.
Axis Bank Credit Card Eligibility
In order to apply for Axis Bank Credit card offers one needs to meet the following eligibility criterias, as listed below:
Income: The minimum income of the applicant should be ₹ 15,000 for salaried employees . Usually, Axis Bank gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from Axis Bank or from any other bank, then Axis Bank will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.
CIBIL Score: Most banks, including Axis Bank prefer a credit score of 700 and above before sanctioning a credit card as your credit history defines your repayment capacity. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then Axis Bank checks your existing credit card's transaction and payment history to ensure that you are capable to make repayments on time.
Existing Relationship with Axis Bank: If you already have an account with Axis Bank, you have a higher chance of getting a credit card and you can easily opt to apply for Axis Bank credit card. The bank comes with special credit card offers for its existing bank holders which would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the past few years, you are more likely to secure a higher credit limit on your card.
Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a Axis Bank credit card online or from any Axis Bank branch if you are at least 18 years old upto maximum age group of 70 years. However, the minimum age to get a Axis Bank credit card online or from the bank varies by various schemes depending on the card you choose to apply for.
Top Axis Bank Credit Cards
My Zone Card: The My Zone card offers unlimited benefits in the form of Reward Points. This Axis Bank credit card offers Reward Points on dining, movies, shopping and more. You also get heavy cashback on movie ticket purchases, complimentary access to airport lounges within India, and fuel surcharge waiver.
Documents required for Axis Bank credit card
The type of credit card documents required differ for new and existing card holders to apply for Axis Bank credit card. Existing credit card holders are those who already own a credit card either from Axis Bank or from any other bank. In this case, income documents are not required.
| Document Type | For New Card Holders | For Existing Card Holders |
|---|---|---|
| Identity Proof | PAN card, Driving License, Voter ID card, Passport | PAN card, Driving License, Voter ID card, Passport |
| Address Proof | Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number | Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number |
| Income Proof |
|
Not Required |
| Existing Card Proof | Not Required | Front copy of card, 1 latest statement within 15 days |
How to check Axis Bank Credit Card Status?
The process of tracking the status of the Axis Bank credit card application is simple and can be done through online and offline modes. You can follow the credit card application once you have received the confirmation SMS post acknowledging your credit card application.
Track the Status of Credit Card Online
- To check the status of Axis Bank credit card applications online, you need to visit the official website of Axis Bank bank.
- After visiting the website, find the 'Track your Credit Card Application Status' option under the Credit Card tab and fill required information such as the Date of Birth, Application Reference Number, Application Form Number and Mobile Number.
Track the Status of Credit Card Offline
Axis Bank credit card application can also be tracked offline by calling the 24*7 customer care number and by visiting the nearest Axis Bank Bank branch. You need to provide an application reference number and application form number to know the status of your credit card application.
Frequently Asked Questions
Axis Bank Buzz credit card is exclusively designed for those who shop online frequently. This card also comes with several benefits like dining offers on a large restaurant network, discount on online purchase and gift vouchers from Flipkart, Amazon etc.
Is Axis Bank credit card lifetime free?Axis Bank offers Insta Easy credit card which is a lifetime free to hold for the rest of your life without any joining and annual fee. There are no hidden or additional charges for using this card. These are also known as zero annual fee credit cards.
What is the interest rate of Axis Bank Credit Card?The interest rate on opting for a credit roll-over on Axis Bank Credit Card varies from card to card and can range from 2.50% to 3.25%.
How can I check my Axis Bank credit card balance?You can check your balance for Axis credit card online through Internet Banking or Mobile Banking by following a step by step process:
Step 1: Login to Axis Bank Internet Banking
Step 2: Scroll to the Credit Card section
Step 3: Choose the 'Balance and Payments' option
Step 4: Select the Credit Card you want to check the balance of (In case you have multiple cards)
Step 5: Click submit
Which credit card is best in Axis Bank?Some of the best credit cards of Axis bank are: Titanium Smart Traveler Card, My Choice Card, and Insta Easy Card.
What is the minimum salary for Axis Bank credit card?The minimum salary required is Rs. 15,000 per month. Thus, individuals with the eligibile salary can opt for Axis credit card apply.
Which Axis Bank credit card is free annual fee?The Insta Easy Card has no annual fee.
What is Axis Bank credit card charges?Some of the important Axis Bank credit card charges that you should know are;
- Foreign Transaction Fee - 3.50%
- Card replacement fee - NIL
- Cash payment charge - Rs. 100
- Late payment charges - Rs. 300 to 600
- Cheque return or dishonour fee - Rs. 300
- Over limit fee - 3% of over limit amount (minimum Rs. 500).
