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Axis Bank Credit Card

Best Axis Bank Credit Card

Last Updated 14th Jul 2021
Best Axis Bank Cards Interest Rate Annual Fee (₹)
My Zone Card 3.40% 500
Platinum Card 3.25% 500
Insta Easy Card 2.50% NIL
Flipkart Axis Bank Credit Card 3.40% NIL
Apply for Credit Card Looking for a Loan? Looking for an Investment?

Top Credit Cards Offered by Axis Bank Bank

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%

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.

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 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.

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

Axis Bank Credit Card Benefits and Features

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)

Types of Credit Card in Axis Bank

Axis Bank Credit Card With No Annual Fees

NO FRILLS CARD

Pay negligible or zero joining fees and enjoy the convenience of spending on the credit cards without any add on benefits.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank Insta Easy Card 0 0
Axis Bank Platinum Card 500 500

Axis Bank Shopping Cards

GET SMART WITH YOUR SPENDS

Receive attractive cash back or reward points, every time you spend a certain amount on pre-specified categories on the card.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank Flipkart Axis Bank Credit Card 500 0
Axis Bank My Choice Card 250 250
Axis Bank My Zone Card 500 500

Axis Bank Travel Cards

TRAVEL WITH COMFORT

Get ease and convenience of travel if you are a regular and a frequent airline business traveler in India and to international destinations.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank Flipkart Axis Bank Credit Card 500 0
Axis Bank My Wings Card 1200 0
Axis Bank My Business Card 250 250
Axis Bank Titanium Smart Traveler Card 250 250
Axis Bank My Zone Card 500 500
Axis Bank Privilege Credit Card with Unlimited Travel Benefits 1500 1500
Axis Bank Miles and More Card 10000 4500
Axis Bank Vistara Card 10000 10000

Axis Bank Fuel Cards

REDUCE THE COST OF YOUR RIDE

Use as a payment card for purchase of gasoline, diesel, and other fuels at gas stations, for vehicle maintenance and repairing and receive attractive cash back offers on your fuel bills.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank My Zone Card 500 500

Axis Bank Reward Cards

GET REWARDS FOR SPENDING

Receive reward points, every time you spend on pre-specified categories on the card. Get attractive gift vouchers and discount coupons available on accumulated reward points.
Rewards cards are similar to cash back credit cards, but instead of receiving cash when you spend you gain reward points which can be converted into vouchers spendable at a large range of retailers.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank My Wings Card 1200 0
Axis Bank Pride Signature Card 0 0
Axis Bank Vistara Infinite Credit Card 1500 0
Axis Bank Titanium Smart Traveler Card 250 250
Axis Bank My Business Card 250 250
Axis Bank Privilege Credit Card with Unlimited Travel Benefits 1500 1500
Axis Bank Miles and More Card 10000 4500

Axis Bank Lifestyle Cards Cards

LIVE A DREAM LIFESTYLE

Offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience.

Cards Name Joining Fee (₹) Annual Fee (₹)
Axis Bank Flipkart Axis Bank Credit Card 500 0
Axis Bank Signature Cards with Lifestyle benefits 5000 3000

How to Apply Axis Bank Credit Card Online?

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.

How to Increase Axis Bank Credit Card Limits?

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.

How to Generate Axis Bank Credit Card PIN?

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

How to Earn and Redeem Reward Points in Axis Bank Card?

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

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. 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.

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.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).


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Axis Bank Credit Card News - Jul 2021
  • 2021-06-23 : Google Pay launches cards tokenisation with SBI and other banks
    After successfully rolling out tokenisation with Kotak Mahindra Bank, SBI Cards, and Axis Bank, Google Pay has now added debit cards by SBI, IndusInd Bank, and Federal Bank and credit cards by IndusInd Bank and HSBC India to its slate. Digital wallet platform Google Pay has expanded its network of bank partners offering cards tokenisation on the Google Pay app and added lenders including SBI, IndusInd Bank, Federal Bank, and HSBC India. Google has rebranded its Tez app, launched in September, as Google Pay—the catch-all label for its payments services.
  • 2021-03-05 : Axis Bank launches WhatsApp banking
    Axis Bank launched banking services on WhatsApp. The new facility will enable its retail customers to seek information regarding their account balance, recent transactions, credit card payments, fixed and recurring deposit details, besides getting their queries answered in real-time.
  • 2021-02-26 : IRDAI gives approval for Axis Entities-Max Life Insurance deal
    The Insurance Regulatory and Development Authority of India has given its approval to acquire up to 12% stake in Max Life Insurance by Axis Bank and its subsidiaries, Axis Capital and Axis Securities. The IRDAI approval was an important venture transaction that was first announced in April 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.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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