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Axis Bank Credit Cards

Being one of India’s largest bank Axis Bank has made it a mission to provide customers the best in class service. With has 3300 branches and around 14,000 ATMs and nine international offices they do just that. It is the third largest private sector bank in India, providing a wide range of financial services to its customers, covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. Axis Bank provides tailor made products to satisfy each and every customer requirement which can clearly be seen in their credit card offers.

Types of Credit Cards Offered by Axis Bank

Axis Bank offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by Axis Bank in this category are

Axis Bank Neo Credit Card

The features of Axis Bank Neo Credit Card are designed to provide maximum benefits to frequent shoppers and movie buffs. With gift vouchers, cashback offers and discounts on booking movie and bus tickets, and shopping, this credit card is a desirable option for everyone who wants to save money on leisure and shopping.

Travel: These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets. The cards provided by Axis Bank in this category are

Axis Bank Miles and More Credit Card

Miles and More Credit Card provides sign on bonus miles. You stand to earn bonus miles that can be redeemed for flights upgrades, travel and hotel bookings and utility bills. Additionally, the insurance benefits provided by the Credit Card in various categories makes Axis Bank Miles and More Credit Card a unique one.

Axis Bank Privilege Credit Card

Swipe your Axis Bank Privilege Credit Card and get rewards points that can be redeemed for gifts, vouchers and exclusive premium merchandise. In short, you get rewarded for spending. It offers attractive rebates on travel, dining and leisure as well as on normal everyday retail spends

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by Axis Bank in this category are.

Axis Bank My Zone Credit Card

Axis Bank My Zone Credit Card is specially made for movie buffs where with this card you get 25% cashback on movie tickets purchased. The complementary lounge access for many airports and 15% off on dining at select partners makes this card one to covet for.

Axis Bank Vistara Credit Card

Axis Bank Vistara Credit Card makes it a desirable option for people who wish to travel often. With the plethora of complimentary gifts such as complimentary lounge access at airports across India and free economy class tickets, this credit card provides an ultimate travel experience.

Axis Bank Vistara Signature Credit Card

Axis Bank Vistara Signature Credit Card is a great option for travel enthusiasts. With multiple benefits such as complimentary lounge access at airports across India and free premium economy class tickets, this credit card provides an ultimate travel experience. Additionally, the insurance benefits provided by the Credit Card in various categories makes Axis Bank Vistara Signature Credit Card a unique one.

Why choose Axis Bank Credit Cards

Axis Bank provides different credit cards that cater to various customer needs. They understand the requirements of the customer and transfer that knowledge in the credit cards they offer. With great rewards, cashback, travel, shopping and elite credit cards, they cater to every aspect of a customer’s needs.

Apply for Axis Bank Credit Card

Knowing the need of the customer and making it comfortable for them Axis Bank provides multiple ways by which an individual can apply for a credit card.

Apply for Axis Bank credit card online

Axis Bank Website

You can go to Axis Bank website and check various credit cards. You can check the eligibility for the credit card you are interested in to make sure you don’t apply for cards you are not eligible for. By this simple step you make sure your card application is not rejected and thus your credit score is not affected.

Axis Bank Credit Card Eligibility and Documentation

Eligibility

There are certain factors or criteria stipulated by banks which needs to be satisfied before credit card applications are approved. They are

AgeMinimum 21 years
Maximum 65 years
NationalityIndian
Employment TypeSalaried or Self-employed
Employment statusEmployed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum IncomeThis varies from card to card, but minimum salary required is Rs.3 lakhs per annum

These are the general criteria which you need to satisfy for your credit card to be approved. These criteria will change from bank to bank.

Documentation

The documentation required for an Axis Bank Credit Card is very simple as follows

  • 2 passport size color photos
  • AID Proof (any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

Axis Bank Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you


1. Sign on bonuses: Some of the credit cards from Axis Bank provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your Axis Bank credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your Axis Bank credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some Axis Bank credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on your spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

Axis Bank Credit Card FAQ

What is the eligibility criteria for getting an Axis Bank Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.


How to do Axis Bank credit card bill payment?

You can pay the bill on the Axis Bank website by logging into their internet banking portal or you can download their mobile app which also has the option of credit card bill payment. The offline method is where you can pay your bill at any Axis Bank branch.


Why was my Axis Bank credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact Axis Bank credit card customer care for further information.


How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

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Customer News

Online shopping is so convenient. To help you get more out of your online shopping, Axis Bank has introduced its new range of credit cards called "Buzz".

Read more

Online shopping is so convenient. To help you get more out of your online shopping, Axis Bank has introduced its new range of credit cards called "Buzz". It comes with Flipkart vouchers of up to Rs 8000*. In addition, it also comes with usage discounts on Flipkart, increased eDGE Reward Points for online and offline shopping and other dining benefits. Spending milestones also earn vouchers on Flipkart.

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