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Axis Bank Credit Card

Axis Bank is a leading credit card provider in the country. Some top credit cards offered by this bank are Axis Ace Credit Card, Axis My Zone Credit Card, Flipkart Axis Bank Credit Card and Axis Neo Credit Card among others. With these credit cards you can earn rewards and cashback on your purchases and spends across multiple categories. Check all top Axis Bank Credit Cards and read on to know about the detailed features and benefits to opt and apply for the card that best suits your requirements.

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Other Axis Bank Credit Cards

Apart from the above mentioned credit cards, Axis Bank also offers some other credit cards to meet the diversifying needs of various income and occupational groups and their requirements. Choosing the best credit card for you, should be based upon your spending habits and financial capabilities. Some of the other credit cards from Axis Bank are as follows:

Credit CardAnnual FeeBest Suited For
Indian Oil Axis Bank Credit Card₹ 500Fuel
Axis Bank Vistara Credit card₹ 1,500Travel
Axis Bank Vistara Signature Credit Card₹ 3,000Travel
Axis Bank Vistara Infinite Credit Card₹ 10,000Travel
Axis Bank Aura Credit Card₹ 749Health and Wellness
Axis Bank Pride Platinum Credit Card₹ 250Defence Personnel
Axis Bank Pride Signature Credit Card₹ 500Defence Personnel
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Fees and Charges

Below mentioned is the fees and charges associated with Axis Bank Credit Cards

Fee TypeAmount
Joining/Annual FeeVaries across all Axis Bank Credit Cards
Finance ChargesUp to 3.4% per month | 49.36% p.a.
Late Payment Fee
For outstanding balanceFee
Up to Rs. 100Nil
Greater than Rs. 100 and up to Rs. 300Rs. 100
Greater than Rs. 300 and up to Rs. 1,000Rs. 300
Greater than Rs. 1,000 and up to Rs. 5,000Rs. 500
Greater than Rs. 5,000 and up to Rs. 10,000Rs. 600
Greater than Rs. 10,000Rs. 700
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Certain charges may vary from card to card. Please refer to the terms and conditions for card variants separately. For other general terms and conditions related to Axis Bank Credit Cards, click here.

Eligibility and Documentation

The general eligibility requirement for Axis Bank Credit Cards is listed as follows:

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You should be aged between 18 to 70 years to apply for Axis Bank Credit Card.

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You can apply if you are either Salaried or Self Employed.

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Click here to find the list of documents accepted by Axis Bank for credit card approval

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Click here to check the list of cities where Axis Bank credit cards are issued

Axis Bank Credit Card Apply Online

Here are the steps to apply for Axis Bank Credit Card online with Paisabazaar -

  1. To start the application process, provide your mobile number in the credit card form.

  2. On providing the OTP, you can find the pre-approved offers on the screen.

  3. Compare available options as per your eligibility and select the Axis Bank Credit Card that suits your requirements the best.

  4. Apply for the preferred credit card and provide documents for smooth processing of the application.

FAQs

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.

Based on the type of credit card, Axis Bank offers eDGE Reward Points or Co-branded loyalty points such as Club Vistara Points. For instance, Axis Bank Vistara Credit Cards offers reward points as Club Vistara points, which is 2 CV points per Rs. 200 for Axis Vistara Credit Card, 4 CV points per Rs. 200 for Axis Vistara Signature and 6 CV points per Rs. 200 for Vistara Infinite Credit Card. Some Axis Bank credit cards provide Axis eDGE reward points per Rs. 200. My Zone Credit Card offers 4 Axis eDGE reward point, Axis Bank Neo Credit Card provide 1 eDGE reward points and Axis Bank Select Credit card provides 10 Axis eDGE rewards per Rs. 200. While, accumulated reward points can be redeemed for merchandise from Axis Bank’s Rewards Catalogue, air Miles can be redeemed at the time of booking air tickets.

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 -18002095577 / 18001035577. Apart from that, you can send your grievances and queries through online submissions on the official website of Axis Bank. You can also alternatively mail Axis Bank at customer.services@axisbank.com

Credit card interest may vary across different Axis Bank Credit Cards, however the general interest charged is up to 3.4% per month. You have to pay the interest on the total amount due which is not paid on the due date. When an amount lies outstanding in your credit card account, interest-free period will not be applicable which means on every transaction, interest will be charged from the date of purchase. Credit card cash withdrawals also incur interest charges from day one. There are many fees and charges associated with your Axis Bank Credit Card. Click here to know the fees and charges on your Axis Bank Card.

Yes, the purchases made on 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 your existing transaction to an EMI transaction using (i) Internet Banking- Login > Accounts > My Credit Cards > Convert to EMI > Select statement type from current / unbilled > select from eligible transactions > Enter EMI details > Agree to the Terms & Conditions & Enter the NetSecure Code (ii) Axis Mobile App: Login > Credit Cards > Convert to EMI > Select the transaction through Statement / Unbilled Transactions > Enter EMI details > Agree to the Terms & Conditions > Enter mPIN (iii) Phone: by calling customer care. You will receive an SMS on submission of your EMI conversion request. The request will get processed immediately & you will get an SMS confirmation on EMI conversion.

There are several modes to pay your credit card bills such as Billdesk,Net Banking, Debit Card, Mobile app, NEFT, ECS, Cash or Cheque. Click here for more details.

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 10th of every month, the bill is deducted accordingly. This makes managing your credit card hassle free.

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 the over-limit fee may across all Axis Banks credit cards and also depends on the terms and conditions you availed the credit card at. If you feel, the limit is low on your credit card, you can enhance your card limit by contacting the Axis Bank Customer Care.

The eligibility criteria vary for different Axis Bank credit cards . However, you must meet the basic eligibility criteria. (i) You should be aged between 18 and 70 years (ii) you should have a regular source of income (iii) you should be able to produce relevant documents as proof of identity, address and income.

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. To know the latest offers on your Axis Bank Credit Card click here .

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