Axis Bank Credit Card

Apart from the above-mentioned cards, Axis Bank also offers some other credit cards to cater to the diverse individual needs. Some of the other popular Axis credit cards are listed below:

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.

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 credit card and the redemption option you opt for.

Suggested Read – Best Rewards Credit Cards in India 2026

Below mentioned are some common fees and charges applicable to almost all Axis Bank Credit Cards:

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
• Documents Required: Click here for the list of documents accepted by Axis Bank for credit card application approval

You can follow the below-mentioned steps as you apply online for Axis Bank Credit Card through Paisabazaar:

Step 1: Click here for the credit card application form and submit your mobile number.
Step 2: Verify OTP sent to your mobile number to check the available pre-qualified card offers.
Step 3: Compare the available options as per your eligibility and select the preferred Axis Bank Credit Card that best suits your requirements.
Step 4: Apply for the preferred credit card and provide the documents to complete your application.

Axis Bank allows the credit cardholders to contact the customer care for assistance by calling on the dedicated toll-free numbers, as given below –

Axis Bank Customer Care Number: 1800 209 5577 or 1800 103 5577

You can click here for detailed information on Axis Bank credit card customer care.

Given below are the recent changes regarding some of the top Axis Bank Credit Cards:

Click on the below links to know about various details and procedures associated with Axis Bank Credit Card that can help you with easier card management:

Q. Which type of credit card is best in Axis Bank?
A. The best Axis Bank Credit Card for you would be the one whose features, benefits and fee best align with your spending habits and requirements. So, the credit card variant that allows you to maximise your savings on your regular spends with minimum costs would be the most suitable one for you.
For instance, Axis Bank Flipkart Credit Card is a good option if you are a Flipkart loyalist, prefer cashback on your spends and often spend on other preferred platforms like Myntra. 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, and IndianOil Axis Bank Credit Card if you want a fuel card with all-rounder rewards benefits.

Q. Does Axis Bank provide lifetime free credit cards?
A. Currently, My Zone Credit Card is being offered as an Axis Bank lifetime free credit card through select channels. In some cases, the bank may also offer lifetime free options for salary or savings account holders. You can contact customer service to check for such offers.

Suggested Read: Best Lifetime Free Credit Cards in India

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. 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 Burgundy Private 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. 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. 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.

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.

Q. Who can apply for Axis Bank Credit Cards?
A. To be eligible for Axis Bank Credit Cards, 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 either be a resident Indian or a non-resident Indian
• You should be able to produce relevant documents as proof of identity, address and income

Further eligibility criteria like minimum income required vary as per the card variant and are also dependent on the bank’s internal policies.

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.

Q. What is Axis Bank Credit Card customer care?
A. If you have any queries regarding your Axis Bank Credit Card, you can contact the bank’s customer care by calling their toll-free numbers: 1800 419 5577 or 1800 103 5577. Additionally, you can raise your grievances and queries online through the official Axis Bank website.

Q. How do I check Axis Bank Credit Card application status?
A. You can check the status of your credit card application both online and offline. To track it online, visit the official website of Axis Bank and enter your application number. Your current status will be displayed on the screen. Alternatively, you can also call customer care to get an update on your application.

Q. How to activate Axis Bank Credit Card?
A. You can activate your Axis Credit Card online by logging into internet banking or the Axis mobile app and generating a 4-digit pin. After setting the pin, make a transaction to complete the activation process.

Q. How to close my Axis Credit Card?
A. To close your Axis Bank Credit Card, you can contact customer care and request card closure by stating a valid reason. You can also visit the nearest Axis Bank branch and submit a written request or closure form in person.

Q. What is the billing cycle of Axis Bank Credit Card?
A. The billing cycle for Axis Bank Credit Cards is typically 30 days, though the exact cycle may vary depending on the card type and customer. All transactions during this period are compiled in your monthly statement.

Q. How to apply for an Axis Bank Credit Card?
A. To apply for an Axis Bank Credit Card online, visit the official website and choose a card based on your eligibility. You can also apply offline by submitting a duly filled application form along with the required documents at the nearest Axis Bank branch.

Q. How to pay Axis Bank Credit Card bill?
A. You can make your Axis Bank Credit Card bill payment through various online modes such as Billdesk, net banking, Axis mobile app, NEFT, UPI, and ECS. Besides this, for offline bill payments, you can submit cash or a cheque at any Axis Bank branch.

Q. How to set the credit card limit for an Axis Bank credit card?
A. Axis Bank credit card limit is assigned by the bank at the time of card issuance and is dependent on the applicant’s credit history and profile, along with the bank’s policies. Cardholders cannot set their credit limit, but can apply for the limit increment. However, you can set the spending limits for your Axis Bank credit card online by logging in to your credit card account.

Q. How to increase Axis Bank Credit Card limit?
A. If you want to increase your Axis Bank Credit Card limit, you can contact customer service and request a limit increase. However, the approval is subject to your eligibility and Axis Bank’s internal policies.

Q. Does Axis Bank offer any benefit on Freecharge?
Axis Bank offers a co-branded credit card with Freecharge- Axis Bank Freecharge Plus Credit Card. The card is offered on invitation and comes with up to 5% cashback benefit.

Q. How to unblock Axis Bank Credit Card?
A. To unblock your Axis Bank Credit Card, you can call customer care and request unblocking with a valid reason. You can also visit your nearest Axis Bank branch and get it unblocked in person.

Q. How to redeem Axis Bank Credit Card reward points?
A. You can redeem your Axis Bank Credit Card reward points across multiple categories using the Axis Edge Rewards portal or Travel Edge portal. You can simply log in to your Axis Bank account, go to the ‘rewards’ section, and click on ‘redeem now’ to explore available options.