Axis Bank’s credit cards cater to a wide range of needs, including travel, shopping, prizes, cashback, and more. Online marketing such as you can buy the items you need from Amazon, Flipkart. Read on to know more about the features and benefits of Axis Bank Credit Card and choose the one that is most suitable for your needs.
A credit card is a tool to help you make instant credit-based transactions. In contrast to the debit cards attached to your bank account and the corresponding amount debited for each transaction, credit cards give you the flexibility to make individual credit transactions from your account balance. However, these amounts are payable at the end of a predefined credit period and each credit card has a credit limit.
Types of Axis Bank Credit Cards
Since Axis Bank credit cards are offered in three categories (Electronic Wallet Credit Cards, Advance Payment Credit Cards and Regular Cash Back Credit Cards), we can mention the different features and benefits of these cards in the following sections:
Best Axis Bank Credit Cards
Name of Credit Cards Annual Fee Best Offer
Axis Bank ACE Credit Card Rs.499 Cashback
Flipkart Axis Bank Credit Card Rs.500 Online Shopping
Axis Bank Vistara Credit Card Rs.1,500 Travel
Axis Bank Vistara Signature Credit Card Rs.3,000 Travel
Axis Magnus Credit Card Rs.10,000 Rewards and Travel
Indian Oil Axis Credit Card Rs.500 Fuel
Axis Buzz Credit Card Rs.750 Online Shopping
Axis Neo Credit Card Rs.250 Shopping and movies
Axis My Zone Credit Card Rs.500 Movies
Axis Bank Free Charge Plus Credit Card Rs. 350 Co-branded Benefits
Electronic Wallet Credit Cards
This credit card type comes with maximum benefits to the consumer. This credit card allows the user to load money in their Axis Bank Axis Bank E-wallets. In order to make the transactions more convenient and easy, the card uses the magnetic swipe technology.
Advance Payment Credit Cards
The Advance Payment Credit Card allows the user to spend the entire card value only after the relevant date or time of issuance of the statement.
Application and Eligibility
One can apply for Axis Bank credit cards through the company’s website or the mobile application. You can check the eligibility of Axis Bank credit cards by clicking on the eligibility checkbox on the home page. Alternatively, you can click on the sign-up and apply button on the Axis Bank website.
A person must have a credit score of 700 or more to be eligible to apply for an Axis Bank credit card.
A person must have a Credit Acceptance Ratio of between 40% and 50% to be eligible to apply for Axis Bank credit card.
A person must have a good repayment history of at least 90 days to be eligible for the Axis Bank credit card.
A person must be an Indian citizen to apply for a credit card.
Benefits and Perks
Axis Bank credit cards come with multiple rewards and benefits. Some of these are outlined below:
No annual fees.
Axis Bank credit card comes with 0% APR for your first transaction of Rs.1 lakh and above.
Rewards. You can redeem rewards with Axis Bank Credit Cards for travel, shopping and entertainment.
A cashback of 5% of the price of goods you purchase through this credit card is offered.
Cards can be used for online transactions, shopping online and at ATMs.
1 Month Free Usage. Axis Bank Credit Cards come with a cashback of up to Rs.1,000. This can be availed for the first month of transaction.
Receipts/checkouts. You will receive receipts for purchases through your Axis Bank credit card.
Axis Bank Credit Card Login and Customer Care
If you want to open an Axis Bank credit card, you can simply fill up the contact form on the Axis Bank website and select the debit card option. You will then receive an authentication email and will need to submit your Aadhaar and PAN card numbers to complete the process. Once you submit your details, you will receive an email confirmation, and your new credit card will be delivered to you within 5-7 days.
Under the email confirmation, you will get a link to log in and enable your account to receive credit cards online. You will also receive an OTP which you need to enter to activate the card online. Once you activate the card, you will need to generate an Axis Bank Debit Card Password to use the card.
How to Apply for an Axis Bank Credit Card Online?
Visit https://www.axisbank.com axis bank official website and login for more details on Axis Bank credit cards. Click on the apply Button now to start the application process. You will be redirected to a login page where you need to enter your name, address, mobile number and email id. You can also type in the security code which comes along with the billing statement to complete the registration process. The next step is to fill the customer details as there is a mandatory subject section. If you can’t submit, please comment and I will upload the next post.
Based on the available options, you can choose from Axis Bank Classic Credit Card or Axis Bank Wallet, Axis Ace Credit Card or Axis Buzz Credit Card, Axis Ace Wallet or Axis Buzz Wallet.
You can use Axis Bank Credit Card as your primary credit card for the current and next financial year, or for years following that.
Axis Bank Credit Card Fees and Charges
Annual/Renewal Fee Varies from Card to Card
Finance Charges Up to 3.4% per month | 49.36% p.a.
Nil for total amount due from Rs. 0 to Rs. 100
Total amount due greater than Rs. 100 and up to Rs. 300 Late fee Rs 100
Total amount due greater than Rs. 301 and up to Rs. 1,000 Late fee Rs 300
Late Payment Fee
Total amount due greater than Rs. 1,001 and up to Rs. 5,000 Late fee Rs 500
Total amount due greater than Rs. 5,001 and up to Rs. 10,000 Late fee Rs 600
Total amount due greater than Rs. 10,000 Late fee Rs 700
Axis Bank ACE Credit Card
5% cashback on bill payments & recharges on Google Pay
4% cashback on Swiggy, Zomato & Ola
2% cashback on other spends
4 Complimentary lounge access at select domestic airports
1% fuel surcharge waiver
Flipkart Axis Bank Credit Card
Unlimited cashback on all you spend
Up to 5% cashback with no upper limit
Rs.2900 worth of joining and activation benefits
Axis Bank Privilege Credit Card
Shopping or Travel benefits
10 points on Domestic / International spends for every Rs. 200 spent
Shopping or Travel Vouchers worth Rs. 5000 on Activation.
Axis Bank Select Credit Card
Amazon voucher worth Rs 2000 on activation & Priority Pass membership
10 EDGE points on every Rs 200 spent and 2X on Retail shopping
Exclusive discounts on Bigbasket, Swiggy, BookMyShow, etc
Axis Bank MY Zone Credit Card
Enjoy 40% off on Swiggy and complimentary SonyLiv Premium subscription
Every Rs. 200 spent 4 points
Buy One Get One on movies. Four encomiastic Lounge Access.
Axis Bank Neo Credit Card
Amazon & Grofers gift voucher worth Rs.250, Zomato Pro 3 months subscription and 1mg 6 months subscription on 1st spend within 30 days of card issuance
1 point with every Rs. 200 spent
Discounts on Zomato, Grofers, Myntra, BookMyShow etc.
Axis Bank Magnus Credit Card
Introducing Airport Concierge Services across 29 cities and unlimited domestic lounge access
12 points for every 200 rupees spent and online travel spends 2X points
Complimentary flight ticket, up to 12 priority pass lounge access, 2% forex mark-up
Indian Oil Axis Bank Credit Card
100% Cashback up to Rs 250 in first30 days
4% Value back on Fuel spends at IOCL pumps
1% Fuel Surcharge Waiver
1% Value Back on Online Shopping
10% Discount on Book my show
Axis Bank Vistara Credit Card
1 complimentary Economy ticket on joining
2 CV points on every spend of Rs. 200
1000 CV points on spends on Rs 50,000 in the first 90 days
Axis Bank Vistara Signature Credit Card
1 complimentary Premium Economy ticket on joining
Every spend of Rs. 200, CV 4 points
First 90 days spends on 75000 and get 3000 CV points
Axis Bank AURA Credit Card
Get welcome decathlon OMNI Gift Card worth INR 750
Earn 2 points per INR 200 spend
5x reward points on Insurance
Get 48 interactive fitness video training sessions free per year
Get discount up to INR 500 on health check-up
Various Shopping & travel benefits
10 points on Domestic/ International spends for every Rs.200 spent
Shopping or Travel Vouchers* worth Rs.5000 on Activation
Both debit and credit cards are good for individuals and students to earn rewards while making purchases. Make sure to do some research to identify the best credit cards for you. Also, ensure that the bank in which you bank has a good reputation for issuing cards that are safe to use.