Axis Bank is the third largest private sector bank in India. Axis Bank credit cards are quite popular in the market as they cater to a diversified customer base and offer numerous benefits to the user including some great deals and discounts on food, shopping, hotels, travelling and more. Whatever be your preference, Axis Bank would have a perfect credit card suited for you. But before you apply, you must check Axis Bank credit card eligibility criteria so that your application does not get rejected.
Axis Bank Credit Card Eligibility
Though the income requirement may vary on the basis of the bank’s credit card offerings, there are some basic requirements that all applicants should meet.
|Minimum Age||18 years|
|Maximum Age||70 years|
|Residential Status||Resident Indian or NRI|
|Other||Good credit history and regular income|
Readers must understand that these criteria are only indicative and the bank reserves all rights to approve or reject a credit card application. Axis Bank has also set certain preliminary requirements for add-on card users. You must check the terms related to your primary credit card before getting an add-on card on it. In addition to these requirements, the applicant must be able to submit valid proofs of income, identity and address.
Documents Required for Axis Bank Credit Card Application
In addition to meeting the above mentioned Axis Bank credit card eligibility requirements, applicants must also provide valid documents as proof of address, identity and income. Following documents are accepted-
|Proof of Identity|
Proof of Address
|Proof of Income||
Factors affecting Axis Bank Credit Card Eligibility
The following factors determine your Axis bank credit card eligibility:
Income is one of the most important factors affecting your eligibility for a particular credit card. It is also the main player in deciding the credit limit on your card. Usually, the eligibility criteria for the credit amount allowed or the credit limit of a credit card is 2 or 3 times of the monthly income you earn. For salaried individuals, the net monthly salary reflected on your salary slip determines the credit limit. In case of self-employed individuals, the income filled for the last financial year is considered.
- CIBIL Score
Banks generally prefer a credit score above 750, but it should be fine if your CIBIL score is 700 or above. A lower score might get you lower credit limit even if your income is high. Moreover, any existing defaults found in your payment history will affect your expected credit limit or your application may even be rejected.
- Ongoing Loans and EMIs
If you have an additional monthly liability to pay out of your salary, your credit card eligibility criteria will be affected adversely. For instance, if your net monthly income is ₹ 50,000 and if you are already paying a monthly EMI of ₹ 30,000 on your existing home loan, this will result in reducing your card value, affected by your ability to pay bills.
- Previous relation with the Bank
Maintaining a good relationship with your bank may be beneficial if you’re requesting a credit card based on your savings or salary account. Axis Bank credit cards are easy to secure if you have a salary or savings account with the bank and you make good amount of transactions in your account every month. In such cases, the bank will consider you as their valued customer and offer you a higher credit limit.
How to check Axis Bank Credit Card Eligibility on Paisabazaar.com?
You can check whether you are eligible for a particular Axis Bank credit card on Paisabazaar.com. Follow the steps given below-
- Click here to visit the credit card section on Paisabazaar.com.
- Fill out some basic details like occupation, monthly income, residence pin code, etc. You will now see a number of credit card options. Filter the results for Axis Bank credit cards.
- You can now click on ‘Check Eligibility’ button.
- Provide some more details to check whether you are eligible for the selected Axis Bank credit card.
If you meet the eligibility criteria, you can proceed with the online application. If not, you will be provided some other credit card options you might be eligible for.
How to apply for Axis Bank credit card?
You can apply for Axis Bank credit card online as well as offline. You can also visit Paisabazaar.com to apply for credit cards. Here, you can check all relevant details related to the credit card and compare it with other cards to make a smart decision.
Follow the steps given below to apply through Paisabazaar.com-
- Visit the credit card section on Paisabazaar.com. Click here.
- Enter the required details and proceed. You will find a list of credit cards for which you may be eligible.
- Filter the results for Axis Bank credit cards by selecting Axis Bank from the bank list.
- Select a card that matches your needs and click on Check Eligibility.
- You are now required to fill a details application form and submit.
Once you complete the online application, you will get a call from the bank’s executive who will ask the right time for document collection. After you submit the relevant documents, the bank will scrutinize them and if approved, you will get the credit card delivered at your doorstep in 10-15 working days.
Why apply for Axis Bank credit card on Paisabazaar.com?
With so many credit cards available in the market, it is a difficult task for an individual to find the perfect card. At Paisabazaar.com, you can compare the credit cards available in the market and choose the one that best matches your preference.
Some reasons why you should apply for Axis Bank credit card through Paisabazaar.com are-
- com is a platform where you can compare up to four cards at a time.
- You can get a fair idea about the net savings that you can make on each card, annual fees you will have to pay, reward points, general and luxury benefits, insurance, etc.
- Every card has been marked with what it is best suitable for such as shopping, dining, fuel or travel.
- The application process on Paisabazaar.com is quite simple. You can compare, find and apply online without any hassles.
- com customer support team is always there to listen to the customer’s queries and complaints related to credit cards.
Axis Bank Credit Card Limit
The limit on your Axis Bank credit card can only be decided by the bank. The bank takes into account your income, highest credit limit available to you currently, existing financial obligations, credit score and some other aspects to arrive at a certain credit limit. This will be communicated to you only when you get the card. However, you can request a limit increase on your Axis Bank credit card at a later stage, say after one year of card usage. Factors that affect your Axis Bank credit card eligibility will also play a significant role in the approval of your limit increase request.
Sometimes, the bank would approve a higher limit without any request. This happens when you have proven to be a good credit card user by making timely payments and maintaining a low credit utilization ratio on your card.
Axis Bank Credit Card Customer Care
If you have any doubt related to Axis Bank credit card eligibility, you can contact its customer service desk on the toll-free number.
Axis Bank Credit Card Customer Care- 18002095577, 18001035577
You can also write to them; Axis Bank customer care email ID is firstname.lastname@example.org.
Axis Bank Credit Card Eligibility FAQs
1- 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.
2- Can NRIs apply for Axis Bank credit cards?
Yes. Axis Bank offers credit cards to both Resident Indians and NRIs.
3- What is the minimum income required for Axis Bank credit cards?
The minimum income requirement varies from one card to another.
4- I have no credit history. Can I get Axis Bank credit card?
Axis Bank requires its applicants to have an active credit history in order to be eligible for their credit cards.
5- 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.
6- How can I update mobile number or email address?
You can do so through branch banking, that is, by visiting the nearest Axis Bank branch. If you use the net banking facility of Axis Bank, you can initiate the update by logging into it.
7- How can I enhance my credit limit?
If you wish to increase the limit on your credit card, you should give a call on the Axis Bank Customer Care Number.
8- Can I convert my purchases into EMIs using Axis Bank credit cards?
Yes. This facility is available on Axis Bank credit cards.
9- Are Axis Bank credit cards accepted globally?
Yes. Credit cards by Axis Bank are internationally accepted.’
10- 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.