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Axis Bank Credit Card

Axis Bank Credit Card Online

Last Updated 23rd Oct 2020
Best Axis Bank Cards Interest Rate Annual Fee (Rs.)
My Zone Card 3.25% NIL
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Best Axis Bank Credit Card Online

Axis Bank Credit Cards Category Joining Fee Monthly Interest Charge
Flipkart Axis Bank Credit Card Lifestyle, Shopping, Travel and Airline ₹ 500 3.40%
Insta Easy Card Low Fee NIL 2.50%
Miles and More Card Rewards, Travel and Airline ₹ 10,000 2.95%
My Business Card Cashback, Rewards, Travel and Airline ₹ 250 3.25%
My Choice Card Cashback, Shopping ₹ 250 3.25%
My Wings Card Cashback, Rewards, Travel and Airline ₹ 1,200 2.95%
My Zone Card Cashback, Fuel, Shopping, Travel and Airline ₹ 500 3.25%
Platinum Card Low Fee ₹ 500 3.25%
Privilege Credit Card with Unlimited Travel Benefits Premium, Rewards, Travel and Airline ₹ 1,500 2.95%
Signature Cards with Lifestyle benefits Lifestyle, Premium ₹ 5,000 2.95%
Titanium Smart Traveler Card Rewards, Travel and Airline ₹ 250 3.25%
Vistara Card Travel and Airline ₹ 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.

How to Apply Axis Bank Credit Card

If you are an existing customer you can apply for Axis Bank Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

  • Visit Axis Bank official web portal and on the Axis Bank Credit Card page, find the list of Axis Bank credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • Answer list the questions to know your eligibility.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for Axis Bank Credit Cards:

  • Visit Axis Bank official web portal and on the Axis Bank Credit Card page, find the list of Axis Bank credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for Axis Bank Credit Cards.

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
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
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 Axis Bank 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 Axis Bank 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.

FAQs

What is Axis credit card Buzz?

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).


Axis Bank Credit Card News - Oct 2020
  • 2020-10-23 : Axis Bank announced festive benefits
    Axis Bank announced Dil se Open Celebrations that will offer deals and discounts on more than 1 lakh branded products on purchase through Axis Bank credit and debit cards. Further, the bank is also offering some key benefits to customers who are in need of a loan, offering home loans starting at 6.90% as well as car loans at 7.99% and up to 100% road funding.
  • 2020-10-13 : Axis Bank to launch a new ACE Credit card
    Axis Bank collaborates with Google Pay, Visa to launch the ACE Credit card. ACE Credit card is designed for the growing base of customers to participate in the digital economy. Axis Bank stated that customers will earn a 5% reward in the form of cashback on bill payments via Google Pay. Additionally, users also get 4% to 5% cashback.
  • 2019-12-18 : Axis Bank and Indian Oil launch co-branded credit card
    Axis Bank and IOCL has launched a co-branded credit card for cashless payments. This has been done to expand their presence in the fast-developing credit card ecosystem in India. Customers will be able to get benefits such as cashback up to ₹250 on fuel purchases within the initial 30 days of card issuance, 20 times accelerated reward points on fuel spends at IOCL outlets as well as a waiver of fuel surcharge.
  • 2019-12-03 : Axis Bank launches wealth platform for high net worth customers
    On Monday, Axis Bank launched a wealth platform for its high net worth customers, who post an income more than Rs 5 crores. The platform is called Burgundy Private, and is designed exclusively to cater to the needs of the ultra-rich. Customers will be provided with customised solutions along with facilities like, portfolio management, estate planning, real estate advisory and tax advisory. Further, they will be issued with metal card that will club the features of debit, credit and forex cards.
  • 2019-08-28 : Axis Bank launches a digital credit card with FreeCharge
    In a bid to improve its credit card portfolio, Axis Bank launched a digital credit card with FreeCharge. The card is designed keeping in mind the needs of Millenials and thus, allows 50 days of credit period accepted across various online platforms. Further, card users can conveniently transfer the transactions into EMI. The customers can avail this digital card by entering the details in the Freecharge app.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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