Axis Bank Credit Card Eligibility

Age – To apply for an Axis Bank credit card, an individual must fall between the age group of 18 – 70 years.

Residential Status – The applicant can be an Indian resident or an NRI. But the eligibility criteria for NRIs differs from that of Indian citizens.

Income – The income requirement tends to vary from card to card, therefore, the bank would inquire differently for the cards your apply.  Mentioned below is the minimum income on which Axis Bank starts allowing customers to apply for credit cards:

• Existing Customer – Minimum Income Requirement is Rs. 25,000
• New Customer – Minimum Income Requirement is Rs. 50,000

Credit Score – Axis Bank also checks the credit report of the applicants to know how financially responsible they are. A score above 750 is considered good.

For add-on cardholders, Axis Bank has set certain preliminary requirements. Cardholders must check the terms and conditions related to the primary credit card before applying for an add-on card on it.

Note:  The final decision for card approval is dependent solely upon the bank’s discretion. Apart from the above-mentioned criteria, the bank may take other factors into consideration as well.

Applicants must provide KYC documents such as proof of address, identity and income to process their credit card application. Following documents are accepted-

Axis Bank may also ask for more documents to verify the applicant’s identity, address or income.

The following factors play a major role in deciding one’s credit card eligibility:

Income – Income is one of the most important factors affecting the eligibility for a particular credit card. It is also the main player in deciding the credit limit on a card. For salaried individuals, the net monthly salary reflected on the salary slip determines the credit limit. In the case of self-employed individuals, the Income Tax Returns acknowledgement is considered.

CIBIL Score – Banks generally prefer a credit score of 750 or more. A lower score could result in the bank extending a lower credit limit. If the score is poor then the bank might reject the application.

Existing Debts – Customers who have running loans/debt might find it difficult to get a credit card. This is especially true if the debt/EMI payment is quite high. Also, if the monthly payments reach 50% of the monthly salary the bank might reject the credit card application.

Previous Relation with the Bank – Maintaining a good relationship with the bank may prove to be beneficial for credit card applicants. Axis Bank credit cards are easy to secure if the applicant has a salary or savings account with the bank.  In such cases, the bank will consider them as valued customers and provide them additional privileges which might not be offered to new customers.

To check your Axis Bank credit card eligibility at Paisabazaar within minutes, you just have to fill in your basic details. Follow the below-mentioned steps:

Step 1- Click here to enter your mobile number (you will need to complete the OTP based mobile verification)
Step 2- Select your occupation (Salaried or Self-employed) and enter all other personal details

After this, you will be redirected to the page with credit cards listed as per your eligibility. If you are not satisfied with the options available, or you do not find the desired Axis Bank Credit Card in the list, you can always contact Paisabazaar’s customer care service for further assistance.

Step 3 – If you decide to apply for a credit card from the list, you can simply click on the “Grab Now ” option on the right-hand side of the card. Now, you will need to fill an additional form that will require you to enter additional details such as Pancard details, parents’ names and more. Enter these details and submit your application.

Note. Remember, if you have already registered with Pasiabazaar, certain information will be pre-filled in your application form.

What are the minimum and maximum age requirements for Axis Bank credit cards?
In order to be eligible for Axis Bank credit cards, the minimum age is 18 years and the maximum age is 70 years.

Can NRIs apply for Axis Bank credit cards?
Yes. Axis Bank offers credit cards to both Resident Indians and NRIs.

What is the minimum income required for Axis Bank credit cards?
The minimum income requirement varies from one card to another.

I have no credit history. Can I get Axis Bank credit card?
No. Axis Bank requires its applicants to have an active credit history in order to be eligible for their credit cards.

What are the documents required for Axis Bank credit card?
You will be required to share KYC documents such as your identity proof and address proof. In addition to this, you will also need to submit valid proof of your income.

How much credit limit will I get on Axis Bank credit card?
The credit limit depends on your income and a lot of other factors.

Are Axis Bank credit cards accepted globally?
Yes. Credit cards by Axis Bank are internationally accepted.

Why is my Axis Bank credit card application rejected?
There may be several reasons for rejection such as low income, low credit score, numerous loan accounts, bad credit history, etc.