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✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from Axis Bank now!

Axis Bank Credit Card Eligibility

Before thinking about applying for any Axis Bank Credit Cards variant, it is important to check whether you fulfil the eligibility criteria set by the bank. Depending on the card type, the eligibility criteria may slightly vary. For your reference, below mentioned is the basic eligibility criteria that applicants must fulfil in order to apply for an Axis credit card:

  • The applicant/primary card holder must be minimum 18 years of age at the time of credit card application

  • The applicant/primary cardholder must not be over 70 years of age at the time of credit card application

  • The applicant/primary cardholder must be a resident of India

  • The applicant/primary cardholder must have a regular source of income

  • The applicant/primary cardholder 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

  • In case the applicant already has a credit card, he/she might be asked to show transaction proof such as credit card statements from last year to assess his/her credit card history and other details

  • In case the applicant/primary cardholder is applying for an add-on cardholder, they should be at least 15 years of age

Documents Required for Axis Bank Credit Card

Now that you know how to work your way around the Axis credit card requirements in terms of eligibility, let us move on to the next crucial process: documentation. The following documents are required at the time of submitting a credit card application:

Axis Bank Credit Card Documents for Proof of Identity

  • Aadhaar card

  • PAN card

  • Passport

  • Voter’s ID

  • Driver’s licence

  • Any other govt-approved photo identity proof

Axis Bank Credit Card Documents for Proof of Address

  • Aadhaar card

  • Utility bills (not older than 3 months)

  • Passport

  • Any other govt-approved identity proof

Axis Bank Credit Card Documents for Proof of Income

  • Form 16

  • Salary slips from the past three months

  • Bank statement for the past three months

  • Audited financial records for the past 2 years (if you’re self-employed)

Axis Bank Credit Card Apply Eligibility for Top Cards

Listed below is a table of different Axis Bank Credit Cards, their eligibility criteria, and documents required:

Card Name

Eligibility Criteria

Documents Required

Axis Bank ACE Credit Card

 

  • The applicant must be between the age of 18 and 70 years

  • The applicant should be a resident of India

  • PAN card

  • Colour photographs

  • Income proof: Latest payslip/Bank statement/Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving Licence, Voter ID Card, Aadhaar card

  • Identity Proof: Aadhaar Card, Ration Card, Passport etc.

Axis Bank Select Credit Card

  • The applicant must be between the age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

  • The applicant must have a net-income of ₹9 lakh per annum and above

  • The applicant must be a resident or Non-Resident Indian

  • PAN card photocopy or Form 60

  • Latest payslip/Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving Licence, Ration card,

  • Electricity bill, Landline telephone bill

Axis Bank MY Zone Credit Card

  • The applicant must be between 18 to 70 years of age

  • Add-on cardholder should be above 15 years of age

  • The applicant should either be a Resident of India or Non-Resident Indian

  • PAN card photocopy or Form 60

  • Colour photographs

  • Latest payslip/Form 16/IT return copy as income proof

  • Residential proof

  • Identity Proof

Axis Bank Neo Credit Card

  • The applicant must be between 18 to 70 years of age

  • Add-on cardholder should be above 15 years of age

  • The applicant should either be a Resident of India or Non-Resident Indian

  • PAN card photocopy or Form 60

  • Colour photographs

  • Latest payslip / Form 16 / IT return copy as income proof

  • Residential proof

  • Identity Proof

Axis Bank Magnus Credit Card

  • The applicant must be between age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

  • The applicant must have an income of of ₹18 lakh per annum or Annual Income Tax Return filed for ₹18 lakh

  • The applicant must be a resident of India

  • PAN card photocopy or Form 60

  • Latest payslip/Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving licence, Electricity Bill, Landline telephone bill

IndianOil Axis Bank Credit Card

  • The applicant must be between 18 to 70 years of age

  • Add-on cardholder should be above 15 years of age

  • The applicant should either be a Resident of India or Non-Resident Indian

  • PAN card photocopy or Form 60

  • Colour photographs

  • Latest payslip/Form 16/IT return copy as income proof

  • Residential proof

  • Identity Proof

Axis Bank Vistara Credit Card

  • The applicant must be between age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

  • The applicant must have an income of of ₹6 lakh per annum

  • The applicant must be a resident of India

  • PAN card photocopy or Form 60

  • Latest payslip/Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving licence, Electricity Bill, Landline telephone bill

Axis Bank Vistara Infinite Credit Card

  • The applicant must be between age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

  • The applicant must have an income of of ₹6 lakh per annum

  • The applicant must be a resident of India

  • PAN card photocopy or Form 60

  • Latest payslip/Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving licence, Electricity Bill, Landline telephone bill

Axis Bank Vistara Signature Credit Card

  • The applicant must be between age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

  • The applicant must have an income of of ₹6 lakh per annum

  • The applicant must be a resident of India

  • PAN card photocopy or Form 60

  • Latest payslip/ Form 16/IT return copy as proof of income

  • Residence proof: Passport, Driving licence, Electricity Bill, Landline telephone bill

Axis Bank Pride Platinum Credit Card

  • The applicant must be between 18 to 70 years of age

  • Add-on cardholder should be above 15 years of age

  • The applicant should either be a Resident of India or Non-Resident Indian

  • PAN card photocopy or Form 60

  • Colour photographs

  • Latest payslip / Form 16 / IT return copy as income proof

  • Residential proof

  • Identity Proof

Axis Bank Pride Signature Credit Card

  • The applicant must be an Indian Defence personnel

  • The applicant must be between the age of 18 years and 70 years

  • The Add-on cardholder should be over 18 years

  • The applicant must be either be a Resident of India or Non-Resident Indian


  • PAN card photocopy or Form 60

  • Colour photographs

  • Latest payslip / Form 16 / IT return copy as income proof

  • Residential proof

  • Identity Proof

Important Note: Please note that these criteria are only indicative. Axis Bank reserves the final right to approve or decline credit card applications based on their assessment.

Factors Affecting Axis Bank Credit Card Eligibility

When it comes to Axis bank credit card requirements, the following factors must be taken into consideration:

  • Age of Primary and Add-On Cardholders

Axis Bank has set a general age limit of 21-70 years for primary cardholders. Also, the add-on cardholder needs to be at least 15 years of age. Depending on the card variant, the age requirement may increase or decrease.

  • Annual Income

Generally, the chances of credit card approval are higher if you have a high annual income. Make sure you calculate all your earnings while filling the income details in the application form.

  • Debt-to-Income Ratio

Your debt to income (DTI) ratio must be low to improve your chances of Axis credit card apply eligibility. You can calculate your DTI by dividing your gross monthly debt by your total monthly income.

  • Credit Score

It is important to have a good credit score to improve your chances of credit card approval. Generally, a credit score between 300-800 is acceptable by banks. The higher your credit score, the higher would be your chances of getting a credit card approved.

  • Other Factors

A credit card issuer also takes into consideration factors such as the number of credit cards issued in your name, job stability, credit inquiries, etc., while gauging your Axis bank credit card eligibility.

How To Improve Axis Credit Card Eligibility?

The applicant must focus on his/her eligibility to apply for credit card in order to make sure that his/her credit card application assessment happens smoothly. Following are some of the tips to improve credit card eligibility:

  • Improve your CIBIL score

  • Make all your payments in a timely manner

  • Maintain your credit utilisation ratio

  • Don’t make too many hard enquiries for credit cards

  • Maintain your 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 credit deal

Vist Finserv MARKETS today to check your eligibility for an Axis Bank credit card. Apply now to avail exciting credit card rewards points and benefits on your Axis bank credit card! Browse now to compare different credit card options available at Finserv MARKETS.

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FAQs on Axis Bank Credit Card Requirements

✔️Can a non-resident Indian apply for an Axis Bank credit card?

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 resident 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

✔️What is the Axis Bank Credit Card eligibility criteria?

The basic Axis Bank Credit Card requirements in terms of eligibility are:

  • The applicant must be either salaried or self-employed

  • The applicant must have a minimum annual income of ₹6 lakh

  • The primary cardholder must be between 18 years to 70 years old

  • An add-on cardholder must be more than 15 years old

✔️What is the minimum salary required for an Axis Bank Credit Card?

The Axis Bank Credit Card eligibility criteria stating the minimum salary requirement for different types of Axis Bank Credit Card is also different. For Axis Select credit cards, the minimum salary requirement is ₹9 lakh p.a. whereas for Axis Bank Magnus Credit Card the salary requirement is ₹18 lakh p.a. Thus, it is advised to check the respective Axis Bank credit card eligibility criteria for the card you wish to apply for.

✔️Can a student apply for an Axis Bank Credit Card?

Yes, a student can apply for an Axis Bank Student Credit Card. However, they must be above 18 years of age, meet the Axis Bank Credit Card eligibility criteria, and furnish all the required Axis Bank Credit Card documents at the time of application.