Axis Bank, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, Axis Bank is a name to reckon in the credit market.
The customers can enjoy numerous benefits on tailor-made Axis Bank credit cards based on different needs.
Axis Bank Credit Cards
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, Axis Bank offers varied credit cards in the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above-listed credit cards, you can choose the one that suits your priorities and spending behavior. You can save a huge amount through offers and rewards provided in each category.
Key Highlights of Axis Bank Credit Card Eligibility
| Age | 18 to 70 |
| Income Requirement | Minimum Fixed Deposit of INR 20,000 |
| Employment | Salaried or Self-Employed |
| Interest Free Period | Up to 50 days |
| ATM Cash Withdrawal Charges | 2.5% of amount withdrawn or INR 250 |
Axis Bank Credit Card Eligibility Factors
Individuals who want to apply for an Axis Bank credit card must meet the following eligibility criteria.
Age Criteria
To apply for an Axis Bank credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 18 years old and maximum of 70 years. Anyone falling under this age limit can apply for a credit card with Axis Bank. Add-on credit cardholder should be over 15 years old.
Income Criteria
You must have a regular income to avail an Axis Bank credit card. The income criteria differ according to the features and specifications of the card. You can get an Axis Bank credit card with the minimum fixed deposit of INR 20,000. However, income may vary for other cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from Axis Bank. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or a Non-Resident Indian.
Factors Affecting Axis Bank Credit Card Eligibility Criteria
The applicant must check the following things while applying for an Axis Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get an Axis Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India.
How to Apply for Axis Bank Credit Card?
If you want to apply for an Axis Bank credit card, the process is simple, and you can follow the steps given below to get it.
Factors Affecting Axis Bank Credit Card Eligibility Criteria
The applicant must check the following things while applying for an Axis Bank credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get an Axis Bank credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India.
How to Apply for Axis Bank Credit Card?
If you want to apply for an Axis Bank credit card, the process is simple, and you can follow the steps given below to get it.
Credit Card Application Online for New Customers
- You can visit the ‘Credit Cards’ page of the Axis Bank official website of the banks.
- Enter your personal and contact details.
- After the verification, a representative from the bank will get in touch with and ask guide you through the process.
- You may have to submit KYC documents and income proof to get a credit card.
- You can also visit the nearby Axis Bank branch to apply for a credit card.
Credit Card Application Online for Existing Customers
- Visit the ‘Credit Cards’ page of the Axis Bank official website
- You will have to enter your net banking customer id and mobile number.
- You can directly apply online for a credit card.
- You can also visit the nearby Axis Bank branch to apply for a credit card.
Credit Card Application Online for Existing Customers
- Visit the ‘Credit Cards’ page of the Axis Bank official website
- You will have to enter your net banking customer id and mobile number.
- You can directly apply online for a credit card.
- You can also visit the nearby Axis Bank branch to apply for a credit card.
Documents Required to Apply for an Axis Bank Credit Card
To apply for an Axis Bank credit card, you need to submit the following documents.
- Address proof – Passport/ Driving Licence/ Voters ID etc.
- Identity proof – Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.
- Income Proof – Bank Statement/ Pay Slip/ Income Tax return
- Pan Card
- Passport size photo
Interest Free Credit Period on Axis Bank Credit Card
Axis Bank cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Fees and Charges on Axis Bank Credit Card
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 250 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
| Statement Balance | Late Payment Charges |
|---|---|
| Less than INR 100 | Nil |
| INR 101 to INR 500 | INR 100 |
| INR 301 to INR 1000 | INR 300 |
| INR 1001 to INR 5000 | INR 500 |
| INR 5001 to INR 20,000 | INR 600 |
| INR 20,001 and above | INR 700 |
How to Increase Axis Bank Credit Card Limit?
The credit limit on the Axis Bank credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
Axis Bank Credit Card Customer Care
You can get in touch with the Axis Bank credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 18604195555 or 18605005555 from your mobile and Landlines in India.
You can also write to Axis Bank on their website in ‘Grievance Redressal’ page and you can post your queries related to credit cards. You may have to enter your name and contact details for further assistance.
How to Pay Axis Bank Credit Card Bill?
You can use the following methods to pay your Axis Bank credit card bills.
Axis Bank Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
All Customers
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the Axis Bank Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to Axis Bank’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
Cash payment
You can pay your Axis Bank credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
Cheque payment
If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
How to Apply for Credit Card at CreditMantri?
It is now easy to check whether you are eligible to get an Axis Bank credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
Features and Benefits of Ace Credit Card
You must know that this card will help you to save a lot of extra bucks from your monthly expenses. It will cut off your expenses and you can use this credit card for buying various products. You can use all the offers of this credit card in your day to day transactions.
Launch Offer
- Enjoy a Cashback of 5% on Grofers through this credit card.
- Get a Cashback of 5% of BigBasket.
- This offer is valid only up to the 31st of December 2020.
- This offer is valid on both the website and mobile application of Grofers and BigBasket.
Unlimited Cashback
- Get a Cashback of 5% on bill payment of the electricity bills, gas bills, DTH bills, and other utility bills on Google Pay through this credit card.
- Enjoy a flat Cashback of 4% on Swiggy.
- Ride-on OLA and get a Cashback of 4%.
- 4% Cashback is available on the food order made on Zomato.
- There is a Cashback of 2% on all other spending’s through this credit card.
- There is no upper limit on Cashback.
Airport Lounge Access
- Get 4 complimentary accesses to the domestic airport lounges through the Axis Bank Ace Credit Card.
- A maximum of 4 free visits are allowed during a year.
List of Domestic Airport Lounges
| City | Lounge’s Name | Terminal |
|---|---|---|
| Delhi | Plaza Premium | Domestic T1D |
| Delhi | Plaza Premium | Domestic T2 |
| Delhi | Plaza Premium | Domestic T3 |
| Delhi | Plaza Premium | International 04 |
| Bangalore | TFS | Domestic |
| Bangalore | TFS | International |
| Mumbai | MALS | Domestic |
| Mumbai | TFS | Domestic T1C |
| Pune | Bird | Domestic |
| Chennai | TFS | Domestic A |
| Chennai | TFS | Domestic B |
| Hyderabad | Plaza Premium | Domestic |
| Hyderabad | Plaza Premium | International |
| Kolkata | TFS | Domestic |
| Kolkata | TFS | International |
Fuel Surcharge Waiver
- Get a Fuel Surcharge Waiver of 1% at the refilling stations through the Axis Bank Credit Card.
- The maximum fuel surcharge waiver allowed is up to ₹500 per month.
Terms and Conditions
- ₹400 is the minimum transaction allowed for the waiver.
- ₹4000 is the maximum transaction allowed for the waiver.
- There will be no Cashback on the fuel transactions.
- GST Charged on the fuel transaction is non-refundable.
Dinning Delights
As per this offer you are allowed to enjoy a discount of up to 20% at the 4000+ partnered restaurants in India with Axis bank.
EMI Conversion
- You are allowed to convert the purchase of ₹2500 and above into EMI Transactions on this credit card.
- You can choose the EMI tenure for 6 months, 9 months, 12 months, 18 months, and 24 months.
- The interest of 1.5% is applicable per month on the outstanding amount.
- There will be a one-time processing fee of 1.5% or ₹250 whichever is higher will be applicable on the EMI transactions.