Axis Bank Credit Card – Features, Eligibility & Apply Online
Axis Bank credit cards cater to individuals with varied spending preferences. You can find credit cards that are exclusively focused on shopping, travel, rewards or cashback, along with cards that offer comprehensive benefits on several spending categories. Some of the top credit cards, like Axis Bank Ace Credit Card, Flipkart Axis Bank Credit Card, Axis Magnus and Axis Vistara Signature Credit Card, offer considerable value back to the cardholders. Compare multiple cards and apply for the one that best suits your requirements.
Best Axis Bank Credit Cards
NEW UPDATE
Axis Bank Credit Card Changes (Effective Dec 20, 2024): Revisions include finance charges, cash payment fee, markup fee, and more for popular cards like Axis Magnus and Flipkart Axis. Some exclusions and 1% transaction fee also apply.
Some of the most popular Axis Credit Cards are shown below. It is advised to read the features and benefits of these cards in detail and compare them with other credit cards before applying for the one that would suit your needs.
| Credit Card | Annual Fee | Best Suited For |
|---|---|---|
| Airtel Axis Bank Credit Card | Rs. 500 | Bill Payments |
| Axis Neo Credit Card | Rs. 250 | Entertainment & Shopping |
| Axis REWARDS Credit Card | Rs. 1,000 | Reward Points |
| SpiceJet Axis Bank Voyage Black Credit Cardd | Rs. 2,000 | Travel |
| Axis Privilege Visa Credit Card | Rs. 1,500 | Reward Points |
| Axis Bank Pride Signature Credit Card | Rs. 500 | Reward Points (for Indian Defense Personnel) |
Most Axis Bank credit cards offer reward points under the Axis EDGE Rewards Program. Know more about Axis bank credit card reward points earning and redemption below: How to Earn? You can earn Axis bank credit card reward points on every card spend you make online or offline. Here are a few pointers you can use to maximise your rewards earnings:
- Put most of your purchases on your credit card
- Understand the rewards structure of your Axis Credit Card
- Maximise your rewards benefits be getting a card that offers accelerated rewards rate on categories you frequently shop from
- Be mindful of any capping that might be applicable on the rewards earnings
How to Redeem? You can redeem Axis credit card reward points against the redemption options of choice as per availability via onli9ne as well as offline modes. Suggested Read – Best Rewards Credit Cards in India 2024 You can use your points for products and e-vouchers from rewards catalogue, convert them into airmiles or use them to make hotel bookings too. The value of these points can vary depending on your card and the redemption option you opt for.
Below mentioned are some common fees and charges applicable to almost all Axis Bank Credit Cards:
| Fee Type | Amount |
| Joining/Annual Fee | Varies across all Axis Credit Cards |
| Finance Charges | Up to 3.6% per month or 52.86% p.a. |
| Late Payment Fee | For outstanding balance of: Up to Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200 |
Certain charges may vary from card to card. Please refer to the terms and conditions for the respective card variants separately. For other fees & charges related to Axis Credit Cards, click here.
The common eligibility criteria and documentation required to apply for any of the Axis credit cards are mentioned below:
- Age: Between 18 years and 70 years
- Occupation: Salaried or Self-employed
Q. Which credit card is best in Axis Bank?
A. Axis Bank offers different types of credit cards that are suitable for varying individual needs and offers benefits, like cashback, rewards, and even discounts on selected brands. The best credit card amongst these, however, would be the one that is chosen as per your spending habits & patterns.
For instance, Axis Bank Flipkart Credit Card is a good option if you are a Flipkart loyalist but also need all-rounder benefits such as discounts on dining and complimentary lounge access. However, if you are looking for benefits around entertainment then you can get an Axis Bank MyZone Credit Card.
Additionally, you can get Axis Bank Ace Credit Card if you want a credit card with direct cashback benefits, IndianOil Axis Bank Credit Card if you want a card with all-rounder fuel benefits, and Axis Bank & Vistara co-branded credit cards, if you are looking for a travel credit card.
Q. What is the premium most Axis Bank Credit Card?
A. Axis Bank recently launched the Axis Primus credit card for ultra-high net worth individuals. The premium credit card is offered on invitation and comes with a high annual fee of Rs. 1.8 Lakh.
Justifying the fee it is feature-loaded with luxurious benefits around dining, event bookings, airport concierge, hotel benefits etc. Additionally, cardholders can enjoy a high redemption value of 1:5- the best in the market, unlimited lounge access and zero forex markup fee.
Q. I hold a Citibank Credit Card. Which new Axis Bank card will I get post Citi to Axis migration?
A. Citibank credit cardholders will get Axis credit cards as their replacement since Axis bank has taken over the Citibank’s banking operations.
Citi PremierMiles credit card will be replaced with Axis Horizon,Citi Rewards and CitiBusiness with Axis Rewards, IndianOil Citi and IndianOil CitiBusiness with IndianOil Axis Premium, Citi Cash Bank with Axis Cashback, First Citizen Citi with Axis Bank Shoppers Stop, and Citi Prestige with Axis Olympus. Those who had IKEA card by Citi will also get IKEA Family Card by Axis bank.
Q. What is the minimum salary for an Axis Credit Card?
A. The minimum salary requirement for Axis Bank Credit Card may vary from one card to another. However, you must note that premium category cards usually have a higher income eligibility requirement in comparison to entry-level credit cards.
Top Axis Bank Premium Cards include Axis Bank Reserve Credit Card & Axis Bank Vistara Infinite Credit Card. For beginners, Axis Bank Neo Credit Card, Axis Bank MyZone Credit Card and Axis Bank Flipkart Credit Card are suitable options. You must contact the bank to check card-specific income eligibility criteria.
Q. What is the Axis Credit Card limit?
A. Axis Bank Credit Cards come along with a credit limit and a cash withdrawal limit. While the credit limit is dependent on various factors, such as credit score, debt-to-income ratio, other credit cards issued under your name, and your income, the cash limit offered on Axis cards is usually 20% to 40% of your credit limit.
Q. Are Axis Bank credit cards accepted worldwide?
A. Yes, Axis Bank credit cards are accepted globally. If there are some terms and conditions related to card usage, the bank would mention the same in the credit card document. However, the charges for international usage may vary across all Axis Bank credit cards.
Q. What are Axis EDGE reward points? Do all Axis Bank credit cards offer EDGE points?
A. Based on the type of credit card, Axis Bank offers EDGE reward points or co-branded loyalty points. For instance, Axis Bank Vistara Credit Cards offer reward points as Club Vistara points.
The accumulated reward points can be redeemed for merchandise from Axis Bank’s Rewards Catalogue while the accrued Air Miles can be redeemed at the time of booking air tickets.
Q. What is the Axis Bank Credit Card customer care number?
A. If you have any query regarding your Axis Bank credit card, you can get in touch with the Axis bank’s customer care by calling on their toll-free number – 18004195577 or 18001035577.
Apart from this, you can also send your grievances and queries through online submissions on the official website of Axis Bank.
Q. Is Flipkart Axis Bank Card good?
A. Yes, Flipkart Axis Bank Credit Card is a good option if you are looking for a credit card with inclined benefits towards Flipkart along with benefits spread across other top brands like Uber, Swiggy, and Cleartrip.
The card also offers dining and lounge access benefits. Thus, at a low annual fee of Rs. 500, the card is a good choice and can be availed even by beginners if these benefits align with your preferences.
Q. What is the interest charged on Axis Bank Credit Card?
A. Credit card interest charges may vary across different Axis Bank Credit Cards, however the general interest charged is around 3.4% per month. You have to pay the interest on the total amount due if you have not paid your dues by the due date.
When an amount lies outstanding in your credit card account, interest-free period is no longer going to be applicable, which means interest will be charged on every purchase from the date of transaction. Credit card cash withdrawals also incur interest charges from day one itself.
Q. Can I convert my purchases made using Axis Credit Cards into EMIs ?
A. Yes, the purchases made via all Axis Bank Credit Cards can be converted into EMIs. However, not all transactions are eligible for EMI conversion. If the transaction is eligible for EMI, you can convert it using internet banking.
All you need to do is log in to your account and click on the ‘Convert to EMI’ option under the ‘Credit Cards’ tab. Then you need to enter a few details related to EMI conversion and your transactions. Apart from this, you can also convert your transactions into EMI through mobile app or by calling on the customer care number.
Suggested Read: Credit Card EMI Conversion: Pros & Cons
Q. How can I pay my Axis Bank Credit Card bills?
A. The bank allows you to pay your Axis Bank Credit Card bill online through Billdesk, net banking, debit card, mobile app, NEFT, ECS and UPI. Apart from this, you can also pay your credit card bills offline through cash or cheque.
Q. What is the auto-debit facility on Axis Bank Credit Cards?
A. Auto-debit facility lets you make your credit card payments automatically at fixed dates. You can set standing instructions on your Axis Bank savings/current account to pay either the total outstanding amount or the minimum due amount on your credit card.
The amount will be automatically deducted from the linked account every month. For instance, if you need to pay your credit card bill at the 10th of every month, the amount gets deducted accordingly. This makes managing your credit card hassle-free.
Q. What happens if I cross my credit limit on Axis Bank Credit Card?
A. If you make a transaction that exceeds the available credit limit on your card, it is completely at the bank’s discretion to approve or reject the transaction. If the transaction is approved, an over-limit fee will be charged on the amount.
Note, that the over-limit fee will be charged across all credit cards and also depends on the other terms and conditions. If you feel that the limit offered on your credit card is low, you can request to increase your card limit by contacting the Axis Bank Customer Care.
Q. Who can apply for Axis Bank Credit Cards?
A. The eligibility criteria vary for different Axis Bank credit cards. However, you must meet the basic eligibility criteria:
- You should be aged between 18 and 70 years
- You should have a regular source of income
- You should be able to produce relevant documents as proof of identity, address and income.
Q. How can I check my Axis Bank Credit Card application status?
A. You can check your credit card’s application status through both offline and online modes. To track your application status online, you can visit the official website of the bank and enter your application number
. Your current status will be shown on the screen. Additionally, you can also call the customer care number and enquire about your application status.
Q. What are the ongoing Axis Bank Credit Card Offers?
A. Offers on Axis Bank Credit Cards are revised from time to time, as per the bank’s discretion and may vary across all credit cards.
Q. How can I check my Axis Bank Credit Card Statement?
A. You can check your Axis Bank credit card statement both online via Net banking & mobile banking. To check the credit card statement of your Axis Bank Card offline, you can either contact the bank at their customer care or by visiting the nearest bank branch.