Axis Bank Lifetime Free Credit Card – Features, Benefits & How to Apply

Credit cards come with a variety of benefits and features that are designed to entice the users. One of the features that many customers look out for is the ‘Lifetime free’ feature. Credit card providers charge an annual fee or renewal fee on their credit cards which the customer must pay to continue the usage of the credit card.

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Many credit cards waive their annual fee as long as the customer is able to meet a certain threshold of annual purchases made on the credit card. This prerequisite is the reason why people choose a lifetime free credit card over other credit cards. Here is everything you need to know about Axis Bank lifetime free credit cards:

Lifetime Free Credit Cards by Axis Bank

Axis Bank currently provides three credit cards for which it does not charge an annual or renewal fee. These Axis Bank lifetime free credit cards are:

Axis Bank SELECT Credit Card – Features and Benefits

Axis Bank has launched the SELECT credit card which offers lifetime free validity to its Burgundy customers. Axis Bank groups High Net worth Individuals in Burgundy class. Burgundy level customers get free lifetime validity on Axis Bank SELECT credit cards. The features and benefits enjoyed by a user of Axis Bank SELECT Credit Card are:

5,000 Axis eDGE reward points on your first credit card transaction.
Complimentary Club Marriott membership on making transactions over ₹ 30,000 in the first three months of getting the credit card.
Priority Pass membership with 6 complimentary visits in a year with the chance to unlock 6 additional visits if spends surpass ₹ 3 Lakh annually.
Complimentary 2 domestic lounge visits per quarter.
10 Axis eDGE reward points on every ₹ 200 spent. 20 Axis eDGE reward points on every ₹ 200 spent on Retail Shopping.
6 complimentary Golf rounds per year with further 3 additional visits on spending ₹ 3 Lakh annually.
Get up to 20% off on dining at partner restaurants.
Get 1% fuel Surcharge waiver on fuel transactions made between ₹ 400 and ₹ 4,000.
Air accident insurance cover up to ₹ 2.50 Crore.
Annual benefits of 5,000 Axis eDGE reward points and membership renewal on request of Priority Pass, Club Marriott.

Axis Bank MY Zone Easy Credit Card

The benefits and features that Axis MY Zone Credit Card users enjoy are:

Get 25% cash back on movie ticket purchases made from box office or online.
Cash withdrawal limit is equal to your credit limit.
Guaranteed approval of MY Zone Easy Credit Card.
1% fuel Surcharge waiver.
4 Axis eDGE points for every ₹ 200 spent domestically.
Enjoy minimum 15% off at partner restaurants.

Axis Bank Insta Easy Credit Card

Axis Bank Insta Easy credit card is a secured credit card. The benefits and features that this Axis Credit Card offers are:

Cash withdrawal limit is equal to your credit limit.
Enjoy minimum 15% off at partner restaurants.
Set your own credit limit with up to 80% of your Fixed Deposit’s principal value.
Avail 1% fuel surcharge waiver.

Axis Bank offers credit cards across different categories. Apply Online for Best Axis Bank Credit Cards and find the right card for you.

Fees and Charges of Axis Bank Lifetime Free Credit Cards

The fees and charges that are common amongst the three Axis Bank credit cards with lifetime free validity are:

Type of Fee or Charge	Amount
Annual/Renewal Fee	Nil
Cash Advance Fees	2.5%, Min. Rs. 250
Additional Card Fee	Nil
Cash Payment Fee	Rs. 100
Railway Ticket Purchase/Cancellation Fee	As defined by IRCTC
Reissue of Credit Card	Nil
Foreign Currency Transaction	3.5%
Outstation Cheque Fee	Nil
Balance Enquiry Charges	Nil
GST	As prescribed by the Government of India
Emergency Credit Card Replacement fee	As defined by VISA GCAS

Applying for Axis Bank Lifetime Free Credit Cards

Customers who wish to apply for the lifetime free credit cards of Axis Bank can do it by visiting Axis Bank's official credit card site . Follow the steps below to successfully apply for your credit card.

Select the lifetime free credit card of your choice and click on Apply Now.
Answer whether you are an existing customer or a new customer.
Fill out the form and check your eligibility for your next Axis Bank credit card.
Complete the process and pick the credit card of your choice and complete the application process.

Axis Bank will take about 21 working days to decide on your application process and will intimate you about the same. You can also track your application status by various means listed on this page.

Eligibility Criteria for Axis Bank Lifetime Free Credit Cards

The eligibility criteria for Axis Bank lifetime free credit cards vary from card to card. Below is the common eligibility criteria:

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

Explore Other Banks’ Lifetime Free Credit Card Offers

ICICI Bank Lifetime Free Credit Card

HDFC Bank Lifetime Free Credit Card

RBL Bank Lifetime Free Credit Card

FAQs

Do all Axis Bank credit cards come with lifetime free validity?

No, not all Axis Bank credit cards come with lifetime free validity; there are currently only 3 credit cards that do not charge renewal or annual fees.

What is Axis Burgundy and do I have to be a member of it to avail lifetime free validity on my Axis Bank credit card?

Burgundy is a class of high net income individuals that use Axis Bank’s financial services. To be a Burgundy level member, customer must have a net salary of at least Rs. 3 lakh per month or maintain an average relationship value over Rs. 30 lakh with the Axis Bank. Members get a dedicated Relationship Manager who is an expert across the products and services and who can help raise assets for business or provide customised business solutions. Only Burgundy members can get Axis Bank SELECT credit card without annual/renewal fee. If the applicant is not a Burgundy member then they cannot enjoy lifetime free validity on their Axis Bank SELECT credit card. Customers who are not in the Burgundy club can apply for MY Zone Easy Credit Card or Insta Easy Credit Card as they provide lifetime free validity.

Does Axis Bank provide lifetime free validity on Secured Credit Cards?

Yes, Insta Easy Credit Card is a secured credit card provided by Axis Bank. Users of this credit card do not have to pay an annual fee or renewal fee. This credit card gets guaranteed approval and hence credit score does not affect the chances of user to secure this credit card. Users can also get credit limit of up to 80% of the fixed deposit amount.

What is a secured credit card?

A secured credit card is a type of credit card where the loan is secured against collateral. Banks usually extend credit cards against a fixed deposit and the credit limit on a secured credit card is a percentage of the fixed deposit amount. The range can vary from 80% to 90%.

Who can apply for free lifetime validity credit cards?

Any Indian can apply for Axis Bank credit cards with lifetime free validity.

What are the benefits of Axis Bank lifetime free credit cards?

Axis Bank lifetime free credit cards offer rewards, cashback, and value-back on everyday spends like groceries, dining, shopping and more. They come with no annual fee, helping you save money while availing basic credit card privileges.

How do I confirm if my Axis card is truly lifetime free?

You can confirm this by checking your credit card welcome kit or the bank’s official website, which clearly mentions if the card has no annual fee. Additionally, reviewing your first few statements can help ensure no charges are applied.

What should I do if I was promised a lifetime free Axis Bank card but got charged?

If you were charged despite being promised a lifetime free card, contact Axis Bank credit card customer care immediately with your card details. Request a reversal of the annual fee and keep records of all communications.

Is it worth getting an Axis lifetime free credit card as a student or first-time user?

Yes, it’s a good option for students or first-time users since there’s no annual fee and eligibility criteria is usually relaxed. It helps in building credit history while offering rewards and benefits on everyday spends.