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Axis Bank Credit Card Eligibility

Axis Bank Credit Card Eligibility Criteria

Last Updated 20th May 2021

Basic eligibility factors for Axis Bank credit card are:

Minimum Age18 years
Minimum Income₹ 15,000
Minimum Credit Score650
ITR Months0 months for self employed

Check Eligibility Criteria for Axis Bank Credit Card

Axis Bank offers a number of credit cards that offer a number of benefits to the cardholders such as reward points, high credit limit, and interest rates amongst others. However, in order to avail the best out of Axis Bank credit card, one is required to fulfil the below-mentioned eligibility factors. These are listed as follows:

Age: The age of the applicant is an important factor to avail Axis Bank credit card. The age, however, varies across occupation. Salaried applicants are required to have a minimum age of 18 years. However, self-employed applicants must fulfil the minimum age criteria of 18 years to get Axis Bank credit card.

Income: In order to avail of any of the Axis Bank credit card, you are required to have a regular source of income with a minimum income requirement of ₹ 15,000. The higher the benefit, the larger is the income requirement.

Credit Score: An applicant must have a good credit score to get a credit card. The credit score required for Axis Bank credit card is 650 and above with no defaults in payments.

ITR: Putting forth the ITR of a self-employed individual is required to avail Axis Bank credit card. Different credit card lenders ask for ITR documents for certain months. Axis Bank requires one to have a minimum ITR of 0 months. In addition to the number of months, one is required to have filled a minimum ITR of ₹ 0.

Documentation: To get a credit card from Axis Bank, an applicant must provide the required documents such as age proof, address proof and income proof. However, the documentation may vary if you are an existing customer of the bank.

Axis Bank Credit Card Eligibility Criteria for New Applicants

The eligibility requirements for Axis Bank credit card for new applicants varies across the applicant’s occupations. Thereby the Axis Bank credit card eligibility differs across salary and self-employed applicants.

Eligibility Criteria For Salaried Employees

Axis Bank credit card eligibility factors for salaried employees are listed as follows:

Minimum Age18 years
Maximum Age70 years
Minimum Banking Months6 months

Eligibility Criteria for Self Employed

Axis Bank credit card eligibility factors for self-employed applicants is:

Minimum Age18 years
Maximum Age70 years
ITR months0 months
Minimum Banking Months6 months

Factors Affecting Axis Bank Credit Card Eligibility

There are a number of factors that affect Axis Bank credit card eligibility. These are explained as follows:

Applicant’s credit score: A credit score is a mirror of a person’s financial worth or creditworthiness.‭ ‬Thereby, the lower the score‭ , the ‬lesser is the reliability factor on an applicant.‭ ‬Axis Bank credit card with higher facilities requires a high credit score to avail Axis Bank credit card to maintain a minimum credit score of 650.

Age: The age of the applicant is an essential factor for Axis Bank credit card. The card can be availed only within the prescribed age limit of an individual ranging between 18 to 70 years.

Applicant’s current organization: Current organization is an important factor in consideration for salaried employees. Similar to other credit card lenders, Axis Bank also have various organizations shortlisted as the trusted companies. Thereby, any applicant working in the reputed, trusted company applies for a Axis Bank credit card, then the chances of getting a card are easy.

Existing customer relationship: Existing Axis Bank customers have an easy chance to get Axis Bank credit card. However, this is possible only when the bank is assured of your financial ability based on criteria such as minimum account balance maintained or the repayment of EMIs. Banks usually keep low-income criteria for existing customers.

FAQs

Who is eligible for an Axis Bank credit card?

You can avail the Axis Bank credit card if you fall between the age bracket of 18 to 70 years. Apart from that, if you are salaried, you need to earn a minimum salary of ₹ 15,000 per month, whereas self-employed individuals are required to earn a minimum of ₹ 0.

What is the maximum limit of an Axis Bank credit card?

The maximum limit for Axis Bank credit card depends on the cardholder’s income and the timely repayment of dues. Apart from that Axis Bank credit card offers an interest rate of 2.50% on non-repayment of bills on time.

What is the minimum salary required for an Axis Bank credit card?

The minimum salary required for a Axis Bank credit card varies across the applicants’ occupation, thereby the salary bar is different for salaried, self-employed and businessman. For salaried, the minimum requirement is ₹ 15,000 and for the non-salaried category, it is ₹ 0.

What is the minimum credit score for Axis Bank credit Card?

A good credit score is indicative of one’s financial credibility, thereby one must hold a good credit score. Axis Bank credit card requires one to have a minimum credit score of 650.


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*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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