Axis Bank Credit Card

*Image source: Axis Bank Website

Key Features:

Cashback- Earn cashback in the following manner-

• 5% cashback on bill pay and recharge via Google Pay
• 5% cashback on BigBasket and Grofers (Valid till 31st Dec 2020)
• 4% on Swiggy, Zomato and Ola
• 2% cashback on all other spends

Dining Discount- Up to 20% off at 4000+ partner restaurants in India

Lounge Access- 4 complimentary lounge visits per calendar year at select domestic airports

Fuel Surcharge Waiver– 1% fuel surcharge waiver on fuel purchases at all fuel stations across India

Is this card the right choice for you?

Axis Bank ACE Credit Card offers uncapped cashback on all your purchases. You can get up to 5% cashback with the minimum cashback offered being 2%. You should opt for this card if you-

• Are looking for a credit card with low annual fee
• Are a frequent user of BigBasket / Grofers / Swiggy / Zomato / Ola
• Wish to get direct cashback instead of reward points
• Usually pay utility bills via Google Pay

However, if you are not satisfied with the card, you can look for similar cards from other popular banks-

*Image source: Axis Bank Website

Key Features:

Welcome Benefits- The introductory offers on the card are listed below-

• Rs. 500 worth Flipkart vouchers on your first transaction
• Get 15 months Gaana plus at a discounted price of Rs. 399
• 20% off up to Rs. 500 on The Phy Life
• 20% off up to Rs. 500 on Plum Goodness
• Up to 15% cashback on the first transaction on Myntra

Cashback- 5% cashback on Flipkart, Myntra, 2GUD and 4% cashback on preferred merchants (Cure.fit, Swiggy, PVR and Uber)

Airport Lounge Access- 4 complimentary lounge visits to select airport lounges within India per calendar year

Fuel Savings– 1% fuel surcharge waiver on fuel transactions at all fuel pumps across India

Dining Discounts- Up to 20% off at partner restaurants in India

Is this Card the right choice for you?

Flipkart and Axis Bank have together launched a co-branded credit card- The Flipkart Axis Bank Credit Card- which offers unlimited cashback on all your spendings. You should opt for this card if you-

• Are a frequent user on Flipkart and its partner websites
• Are willing to pay a nominal annual fee of Rs. 500 in exchange for varied benefits
• Would like to avail good introductory offers

You can also look for similar credit cards from other banks as mentioned below-

*Image source: Axis Bank Website

Key Features:

Club Vistara Points– 2 CV (reward point) points on every spend of Rs. 200

Milestone Benefits– 1,000 CV points on spends on Rs 50,000 in the first 90 days and up to 3 Economy class tickets on achieving the milestone spends

Welcome Benefit- Complimentary Economy Class Ticket as a welcome gift

Insurance Benefits- Air accident cover of up to Rs. 2.5 crore and Purchase Protection Cover of up to Rs.1 lakh

Lifestyle Privileges- Complimentary lounge access at select airports within India

Is this Card the right choice for you?

Axis Bank Vistara Credit Card has been launched in collaboration with Vistara Airlines and is best suited for frequent travelers. You should go for this card if you-

• Travel often and prefer Vistara over other airlines
• Are willing to pay an annual fee of Rs. 1,500
• Would be able to make the most of its rewards program by putting regular expenses on the card

However, if you are still not satisfied and want to explore more options, you can read about similar cards as mentioned below-

*Image source: Axis Bank Website

Key Features:

Club Vistara Points- 4 CV (reward points) points on every spend of Rs. 200

Welcome Benefit- Complimentary Premium Economy Class Ticket as a welcome gift

Club Vistara Membership- Privileges of complimentary Club Vistara Silver Membership such as priority check-in and additional baggage allowance

Milestone Benefits- 4 complimentary Premium Economy Tickets on achieving milestone spend

Lifestyle Privileges- Complimentary lounge access at select airports within India. To view the list of participating Vistara lounges, click here

Is this Card the right choice for you?

Launched in collaboration with Vistara Airlines, Axis Bank Vistara Signature Credit Card is an advanced variant of the Axis Bank Vistara Credit Card. It is also among the best travel credit cards in India. You should opt for this card if you-

• Are a frequent traveler and prefer Vistara over other airlines
• Are willing to pay an annual fee of Rs. 3,000
• Would like to avail complimentary lounge access

Some other cards suiting your travel requirements are shown below:

*Image source: Axis Bank Website

Key Features:

Air Travel Benefit- 1 complimentary flight to a domestic location of your choice every year

Lounge Access- Up to 8 complimentary international lounges visits per year with Priority Pass card and unlimited visits to select airport lounges in India

Entertainment Offers- Buy one movie/non-movie ticket and get up to Rs.500 off on the second via BookMyShow 

Dining Discounts- 25% discount at 600+ fine dine restaurants across India via Dineout and up to 20% discount at over 4000 restaurants across India

EDGE Reward Points- 12 points on every Rs.200 spent, 2X points on purchases at MakeMyTrip, Yatra, Goibibo and more

Is this Card the right choice for you?

Axis Bank Magnus Credit Card is a premium card aimed specifically for those with high net worth. You should get this card if you-

• Are ready to pay a high annual fee of Rs.10,000
• Have big expenses to put on credit cards and want to get value back for the same
• Are a frequent traveler and want all-round benefits on a single credit card

However if not satisfied, you can look for similar cards from other banks-

*Image source: Axis Bank Website

Key Features:

Welcome Benefit- 100% cashback up to Rs.250 on all fuel transactions (within first 30 days of card issuance)

Accelerated Reward Points- 4% value back on fuel transactions by earning 20 reward points per Rs.100 spent at any IOCL fuel outlets in India

Online Shopping Discount- 1% value back on online shopping by earning 5 reward points per Rs.100 spent

Entertainment Discount- Up to 10% instant discount on movie tickets booked via BookMyShow

EDGE Reward Points- 1 point per Rs.100 spent

Is this Card the right choice for you?

IndianOil Axis Bank credit card is designed for individuals who are looking for benefits on every fuel transaction. This fuel credit card is co-branded with Indian Oil. So, it will be best suited for those who:

• Prefer Indian Oil for refuelling
• Have major fuel expenses in a month and want to save more
• Do not wish to pay a high annual fee

However, if you wish to explore more fuel credit cards, you can look for other similar options-

*Image source: Axis Bank Website

Key Features:

Welcome Benefits- Flipkart gift vouchers worth Rs.1000 on making 3 transactions within first 45 days

EDGE Reward Points- 2 points on every Rs. 200 spent, 3x points on online shopping

Dining Discounts- Minimum 15% off on partner restaurants across India

Milestone Benefits- Flipkart gift vouchers worth up to Rs. 7,000 annually on milestone spends

Usage Benefits- 10% instant discount on Flipkart from 1-5th of each month, 5% instant discount on Flipkart from 6th-31st of each month

Is this Card the right choice for you?

Axis Bank Buzz Credit Card is best suited for online shoppers. You should opt for this card if you-

• Frequently shop online via Flipkart
• Are willing to pay an annual fee of Rs. 750
• Prefer reward points over cashback

However if not satisfied, you can look for similar shopping credit cards from other banks-

*Image source: Axis Bank Website

Key Features:

Welcome Benefit- Amazon gift voucher worth Rs.250 on your first transaction 

BookMyShow Gift Voucher- Gift voucher from BookMyShow worth Rs.300

Movie Offer- 10% off on every purchase of a movie ticket on BookMyShow. Maximum monthly benefits up to Rs.100

Shopping Discount- Get 10% off every time on shopping with Myntra. A minimum value of Rs.500 required

Other discounts- 10% off on Grofers on Groceries, 40% off on Zomato on food delivery, 5% Off on Paytm on Utility Bill Payments

EDGE Reward Points- 1 reward points on every Rs.200 spent 

Is this Card the right choice for you?

Axis Bank Neo Credit Card is best suited for online shoppers and those who wish to avail entertainment benefits in the form of movie discounts. However, if not satisfied, you can look for other similar credit cards as mentioned below-

*Image source: Axis Bank Website

Key Features:

Movie Discount- 25% cashback on movie tickets at Paytm all week

Welcome Benefit- Up to Rs.1,000 off on Myntra as welcome gift (use coupon code “MYZONE1000” at checkout)

Lounge Access- 1 complimentary access to select airport lounges within India per calendar quarter

EDGE Reward Points- 4 points on every Rs.200 spent

Milestone Benefits- 1000 bonus points for a minimum spend of Rs.30,000 each calendar quarter

Is this Card the right choice for you?

Axis Bank My Zone Credit Card is suitable for those who spend a lot on movies and shopping. This card is best suited for those who:

• Go to the movies quite often
• Would be able to enjoy the reward benefits with regular purchases
• Wish to pay a nominal fee of Rs.500

However, if you are looking for category specific discounts, you can look for other similar options as listed below-

*Image source: Axis Bank Website

Key Features:

Cashback- 5% cashback on FreeCharge spends, 2% cashback on Ola / Uber/ Shuttle, 1% cashback on all other spends

Welcome Benefit- The following vouchers are given upon card activation-

• Uber voucher worth Rs.350
• BookMyShow voucher worth Rs.350

Dining Discounts- Up to 20% off at partner restaurants

Annual Fee Waiver- Annual fee waived off on spending Rs.50,000 in an anniversary year

Invite Only Card- It is an invite only card. In case if you are eligible, you will be able to see the banner on your FreeCharge mobile application

Is this Card the right choice for you?

Axis Bank FreeCharge Plus Credit Card is an invite only card that lets you earn cashback on your Freecharge spends, utilities, local commute, dining and everyday purchases. You should opt for this card if you-

• Are looking for a credit card with low annual fee
• Are a frequent Freecharge user
• Wish to get direct cashback instead of reward points

You can also look for similar credit card from other banks-

Check your Free Credit Report before applying for a credit card. Check Now

If you are confused whether you should go for an Axis Bank Credit Card or not, have a look at the best credit cards from other popular banks in the market.

Click Here for other important fees and charges related to Axis Bank Credit Cards.

Note: Banks reserve the right to change the fees & charges without prior communication.

Based on the type of credit card, Axis Bank offers eDGE Reward Points, Air Miles, or Co-branded loyalty points such as Club Vistara Points. 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. Following is a list of reward points on some popular Axis Bank credit cards-

Axis Bank Credit Cards are not available on Paisabazaar’s platform. Those who wish to apply can either go to the bank’s official website and fill out the online application form or visit the nearest Axis Bank branch.

Axis Bank Credit Card users can get in touch with the bank’s customer care by calling on their toll-free number. Dial-

18002095577 / 18001035577

You can send your grievances and queries through online submissions of the official website of Axis Bank. You can also alternatively mail Axis Bank at customer.services@axisbank.com.

If you are already an Axis Bank credit card user, you may have several questions about managing your credit card such as how to pay your bills, how to generate PIN, how to block your card, etc. Here are some quick how-to guides related to each of these:

Who can apply for Axis Bank Credit Cards?
The eligibility criteria vary for different Axis Bank credit cards. However, applicants must meet the basic eligibility criteria-

• He/she should be aged between 18 and 70 years
• He/she should have a regular source of income
• He/she should be able to produce relevant documents as proof of identity, address and income

Are Axis Bank credit cards accepted worldwide?
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.

Can I convert my purchases into EMIs?
Yes. The purchases made on all Axis Bank Credit Cards can be converted into EMIs. However, not all transactions are eligible for EMI conversion.

How can I pay my Axis Bank credit card bills?
There are several modes to pay your credit card bills-

• Billdesk
• Net Banking
• Debit Card
• Mobile app
• NEFT
• ECS
• Cash
• Cheque

Click here for more details.

What happens if I cross my credit limit?

If you make a transaction that exceeds the available credit limit on his 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.

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.

What is the auto-debit facility?
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.

What do I do if my credit card is declined?
A few reasons can be attributed to a card decline such as low limit, expired card, etc. Sometimes, the bank may also decline a transaction when it suspects fraudulent activity. You should give a call on the Axis Bank Customer Care Number to resolve this.

How is the interest charged on credit cards?

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.

What are Axis Bank Credit Card charges?

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.

What are the ongoing Axis Bank Credit Card Offers?

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

How to activate Axis Bank Credit Card?

There are many ways by which you can activate your Axis Bank Credit Card- NetBanking, Mobile App or ATM. To know the detailed steps for the process, click here. 

How to transfer money from axis bank credit card to bank account?

Axis Bank offers Visa enabled services to conveniently pay bills of a Visa Credit Card issued by any bank, or transfer money to a beneficiary’s bank account using the Visa Debit Card number.