Axis Bank offers some of the most exciting credit cards. Before applying for any Axis Bank credit cards variant, it is important to know whether you fulfil the Axis Bank credit card eligibility. For this, you must first check the eligibility criteria set by the bank. The bank asks you to fulfil some basic criteria like age, Indian residence certificate, and a regular source of income if you want a credit card. Depending on the card type, the eligibility criteria may vary slightly.
The basic Axis Bank credit card eligibility criteria that you must fulfil in order to apply for an Axis Bank credit card are:
The primary cardholder must be between the ages of 18 and 70 years.
The add-on cardholder must be over 18 years.
Both resident and non-resident Indians (NRIs) can apply for credit cards (only select credit cards are offered to NRIs).
The primary applicant must have a regular source of income.
The applicant must have a healthy credit history at the time of credit card application. Ideally, a CIBIL score of at least 700 is required to be eligible to apply for a credit card.
If the cardholder already has a credit card, they might be asked to show transaction proof, such as credit card statements from last year, to assess their credit card history and other details.
Listed below is a table of different Axis Bank Credit Cards, documents required and Axis Bank credit card eligibility criteria:
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Axis Bank Vistara Signature Credit Card |
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Axis Bank Pride Platinum Credit Card |
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Important Note: Please note that these Axis Bank credit card requirements are only indicative. Axis Bank reserves the final right to approve or decline credit card applications based on their assessment.
You must focus on your eligibility to apply for a credit card in order to make sure that your credit card application assessment happens smoothly. Following are some of the tips to improve Axis Bank credit card eligibility:
Maintain a good CIBIL score, preferably above 750
Do not miss any payment deadlines. For instance, loan repayment or monthly EMI
Maintain your credit utilisation ratio
Don’t make too many hard enquiries for credit cards
Try maintaining a rational debt-to-income ratio
Beware of cheque bounces/penalties on all active credit lines
Try to increase the gap between your income and total debt for better a credit deal
If you wish to apply for an Axis bank credit card, complying with the bank's eligibility criteria is a must. Like every bank, Axis Bank has certain prerequisites that you will need to fulfil in order to stand a chance to own an Axis Bank credit card. So, how can you check if you are eligible to apply for an Axis Bank credit card? Follow these steps to apply for your Axis Bank credit card on Bajaj Markets:
Step 1: Visit the official website of Bajaj Markets
Step 2: On the homepage, click on the ‘Credit Cards’ tab
Step 3: Once you are on the credit cards page, discover the range of Axis Bank credit cards available
Step 4: You will now be directed to a page that has an application form requesting you to fill in details like the date of birth, residential details, contact information, work details, information about the income, and more.
Step 5: You can fill in all the required information and submit the application form on the website to determine your eligibility for an Axis Bank credit card.
Step 6: In the next step, a list of Axis Bank credit cards that you are eligible for based on the information shared in the application will appear on the screen.
Step 8: You can then compare the options and select a card based on your preference, needs, and lifestyle.
Step 9: Click on ‘Apply’.
Yes. A few Axis Bank credit card variants allow Non-Resident Indians to apply for a credit card as well. For instance, the Axis Bank Select credit card is available for residents as well as non-resident Indians. It is advised to go through the respective eligibility of the credit card variant you wish to apply for.
The minimum salary requirement to be eligible to apply for an Axis Bank Credit Card is different for different types of cards. For Axis Bank Select credit cards, the minimum salary requirement is ₹9 Lakhs p.a., whereas, for Axis Bank Magnus credit card, the salary requirement is ₹18 Lakhs p.a.
Yes, a student can apply for an Axis Bank Student credit card. However, they must be above 18 years of age, meet the eligibility criteria, and furnish all the required documents at the time of application.
Axis Bank refers to the credit history of an applicant while reviewing their credit card application. So, having no credit history may lead to the rejection of your application.
You must fall in the age group of 18 to 70 years in order to apply for an Axis Bank credit card.
The Axis Bank credit card eligibility criteria vary from one credit card to another. However, the following are the basic eligibility requirements.
The main applicant must be between 18 and 70 years old to apply for an Axis Bank credit card. Furthermore, the add-on applicant must be at least 15 years old. The primary applicant must be salaried or self-employed and should be an Indian resident with a stable income source. Additionally, at the time of application, the applicant must exhibit a healthy credit history.
As there is still a month left for you to turn 18, you will have to wait 1 month as the primary eligibility criteria to apply for an Axis bank credit card is that the applicant must be 18 years and above.
Any student applying for an Axis Bank credit card must have an approved education loan and a satisfactory credit history. Moreover, the student should provide a fixed deposit of at least ₹25,000 to obtain an Axis Bank student credit card.