Axis Bank Credit Card

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.

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 of making 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 account holders 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.

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

Axis Bank credit card features are:-

• Get Satya Paul Gift Vouchers, 50% cashback on movie tickets, 15% discount on dining
• Avail Yatra voucher worth ₹ 5,000 upon completion of 3 transactions within 60 days of card setup
• Use ezeego1.com and redeem your 2 complimentary flight tickets
• Design the card on your own with an image of your choice to be recognised at the time of payment with card
• Offers highest level of security, enabled with chip and pin facility for easy fraud detection

Axis Bank credit card benefits are:-

• 10 points on every ₹ 200 spent on the credit card domestically, and 20 points on every ₹ 200 spent on the credit card internationally
• Insurance Benefit upto ₹ 2,55,00,000
• Spend ₹ 200 through your credit card and get 4 points
• 4 points on every ₹200 spent on the credit card
• 5x points on weekend shopping (only on the selected category of merchants registered)

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:

Axis Bank Credit Card Apply Online:-

• 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.
• 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.

There are two different ways through which you can revise credit card limits:-

• Pre-approved credit limit offer
• Credit limit increase on request

Pre-Approved Credit Limit Offer: This offer is given to those Axis Bank customers who pay their dues on time. The Axis Bank bank will SMS or email about this scheme and they can also find it in their monthly statement. To accept the offer you can visit the official website of Axis Bank bank or call customer care number.

Credit Limit Increase on Request: You can directly apply for enhancement with Axis Bank bank. The bank will check the eligibility and if you are eligible then your application will be processed. You will have to submit last two months salary slips, Form 16 and ITR to the bank.

Axis Bank credit card pin generation can be done by performing the following steps:-

• Pin can be generated at an ATM
• Pin can be generated through net banking
• Or calling a customer care number

Axis Bank reward points are earned on every purchase made using a credit card except, E-Wallet loading transactions, cash withdrawal, balance transfer and disputed transactions. Also, reward points depend on card to card.

Reward points can be redeemed through:-

• Visiting official website
• Mobile App of Axis Bank
• Calling customer care number

The process of tracking the status of the Axis Bank credit card application is simple and can be done through online and offline modes. Track the Status of Axis Bank Credit Card Online by visting the official webiste of Axis Bank Bank.

You can track the Status of Axis Bank Credit Card Offline by calling the 24*7 customer care number and by visiting the nearest Axis Bank Bank branch.

✅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.You are not required to pay any fees to avail of this card.

✅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).