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Axis Bank Credit Card Eligibility

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.

Eligibility and Documents Required for Some of the Top Axis Bank Credit Cards

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

Card Name

Eligibility Criteria

Documents Required

 

 

 

 

Axis Bank ACE Credit Card

 

  • You must be between the age of 18 and 70 years

  • You 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

  • You must be between the age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

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

  • You 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

  • You must be between 18 to 70 years of age

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

  • You 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

  • You must be between 18 to 70 years of age

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

  • You 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

  • You must be between the age of 18 years and 70 years

  • Add-on cardholder should be over 18 years

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

  • You 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

  • You must be between 18 to 70 years of age

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

  • You 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

  • You must be between the age of 18 years and 70 years

  • You must have an income of of ₹6 lakh per annum

  • You 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

  • You must be between the age of 18 years and 70 years

  • You must have an income of of ₹6 lakh per annum

  • You 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

  • You must be between the age of 18 years and 70 years

  • You must have an income of of ₹6 Lakhs per annum

  • You 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

  • You must be between 18 to 70 years of age

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

  • You 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

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.

Documents Required for Axis Bank Credit Card

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

1. 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

2. 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

3. 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)

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Factors Affecting Axis Bank Credit Card Eligibility

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

  • 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 in the income details in the application form. Salaried individuals need to present their monthly salary slips, and self-employed individuals need to submit their income tax returns.

  • Debt-to-Income Ratio

Your Debt To Income (DTI) ratio must be low to improve your chances of being eligible to apply for an Axis Bank credit card. If it is below 50% then you have a better chance of getting a credit card of your choice. You can calculate your DTI by dividing your gross monthly debt by your total monthly income.

  • Your Ongoing Liabilities

If you have too many loans in your name, it may be difficult for you to get a credit card. Your existing loans become all the more important when the repayment amount is almost as high as half your income. In such a scenario, the lender may reject your application.

  • Credit Score

It is important to have a good credit score to improve your chances of credit card approval. Generally, a credit score above 750 is considered good by banks. The higher your credit score, the higher would be your chances of getting a credit card approved.

  • Customer to Bank Relations

In case you have a salary or savings account with Axis Bank, you have a better chance of getting a credit card. Your relations with the bank also affect your Axis Bank credit card eligibility.

  • 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.

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Tips To Improve Axis Bank Credit Card Eligibility

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

How to Check Axis Bank Credit Card Eligibility

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’.

FAQs on Axis Bank Credit Card Requirements

Is a non-resident Indian eligible to 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 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.

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

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.

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 eligibility criteria, and furnish all the required documents at the time of application.

I have no credit history. Can I get an Axis Bank credit card?

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.

What are the minimum and maximum age requirements for Axis Bank credit cards?

You must fall in the age group of 18 to 70 years in order to apply for an Axis Bank credit card.

What is the basic eligibility requirement 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.

I will be turning 18 years of age in a month's time. Can I send in an application for an Axis Bank credit card?

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.

What is Axis Bank Credit Card eligibility for students?

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.

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