Axis Bank Credit Cards

For lifestyle and shopping benefits to fuel and travel perks, you can choose from a variety of credit cards from this issuer. With the lowest annual and joining fee being just ₹250, there’s an Axis Bank credit card available for everyone. Check the key details below:

Disclaimer: The fees and benefits mentioned above may change as per the policies of the issuer. Check them before you apply. 

Make the most of the features of these credit cards, and choose one by matching your spending patterns with the benefits offered. Here is a quick glimpse of some of their standout features:

 

Axis Bank NEO Credit Card

• Enjoy 40% off (up to ₹120 per order) on Zomato food deliveries twice a month

• Get up to 10% off on Blinkit (up to ₹250) and ₹150 off on Myntra 

• Earn 1 reward point for each ₹200 spent
  
  

Axis Bank MY ZONE Credit Card

• Earn 4 reward points for every ₹200 spent on eligible categories 

• Get your second movie ticket for free while booking through Paytm Movies

• Enjoy 4 complimentary visits to select domestic airport lounges 

 

IndianOil Axis Bank Credit Card

• Get 20 reward points per ₹100 spent at IOCL fuel outlets

• Earn 4% value back on fuel transactions 

• Get up to 10% instant discount on movie tickets 

 

Axis Bank SELECT Credit Card

• Get ₹500 off per month on spends of ₹3,000 on BigBasket

• Travel comfortably with 12 complimentary international lounge visits through the Priority Pass 

• Enjoy up to ₹800 discount & other dining offers at partner restaurants

The issuer runs an EDGE REWARDS loyalty program that allows you to redeem points for apparel, books, electronic gadgets, medication, and more. You can even redeem points for e-vouchers, gift cards, and travel bookings. Some brands you can shop from include Dyson, Louis Philippe, KAMA Ayurveda, Apollo 24X7, and Samsung. 

 

Here are some crucial points worth knowing about the rewards that these credit cards offer:

• You can redeem points on the Axis Bank website, mobile app, or via selected partners by logging in with your username and password

• In most cases, 1 Reward Point = ₹0.20

• A redemption fee of NIL (for less than 300 points) or ₹99 (for greater than 10,000 points) is applicable based on the number of rewards redeemed at a time

• The reward redemption fee is waived for premium cards such as the Axis Bank SELECT Credit Card 

• Points expire 36 months after you earn them 

Understanding the Axis Bank Credit Card eligibility terms help you get a step closer to the credit card application. Check out the general eligibility criteria set by Axis Bank. 

 

To qualify, you need to be:

• Earning individual between 18 and 70 years of age

• An Indian citizen or an NRI

• Creditworthy with a decent credit score

Disclaimer: The above information is only indicative. The bank reserves the right to approve or reject the credit card application.

Make sure to keep the necessary documents on hand to enjoy a smooth application process. Here is the general list of documents you will need to submit to Axis Bank so that your application may be verified: 

• Address Proof (any 1):

  • Utility bill (electricity, water, phone)

  • Passport

  • Ration card

  • Aadhaar card

  • PAN card
    
    

• Income Proof (any 1):

  • Latest salary slips (past 2-3 months), Form 16

  • Income Tax Returns (ITR)

 

Disclaimer: The above information is only indicative. The bank reserves the right to approve or reject the credit card application.

Whether you want to get the Axis Bank SELECT Credit Card or the Axis Bank NEO Credit Card, apply online for maximum convenience. Follow the steps below to apply on Bajaj Markets and submit your application easily.

1. Click on ‘Check Eligibility’ and fill your phone number, date of birth, occupation, and other details

2. Enter the One-Time Password (OTP) sent to your mobile number

3. Verify the pre-filled details like your PAN card number, residential PIN code, email address, and income information

4. Apply for the card that suits your needs from the available options

5. Click on ‘Submit’ to complete your application

One of the largest private sector banks in India, Axis Bank offers a diverse range of credit cards tailored to specific needs. These include co-branded cards, travel cards, and shopping cards, among others. You can reap benefits such as cashback, air miles, spend rewards, airport lounge access, fuel waivers, and more. 

 

The Axis Bank EDGE REWARDS loyalty program allows you to redeem points across 500 products and services. A few partners you can shop from include Havells, Tupperware, Fabindia, Boat, Wildcraft, and more.

Payment Networks Available on Axis Bank Credit Cards 

You can choose between VISA and MasterCard while applying for a credit card from Axis Bank.

The exact fees you incur are dependent on the type of card you own, how you use it, and the facilities you utilise. Here are the general charges you may come across while using a credit card from this issuer:

Note: A GST of 18% is applicable on the above-mentioned charges.

 

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC). 

To raise a query or address issues relating to your card, reach out to the customer helpline.

• Call:

  • India: 1860 419 5555, 1860 500 5555 or 1800 103 5577 (toll-free)

  • USA: 1855 205 5577, UK: 0808 178 5040, Australia: 1800 153 861, Canada: 1855 436 0726 

  • UAE: 8000 3570 3218, Qatar: 00 800 100 348, Saudi Arabia: 800 850 0000, Singapore: 800 1206 355

Applying for an Axis Bank credit card is the first step towards enjoying the benefits. To be able to start using your credit card, you need to activate it within the first 30 days. To do so, you can:

1. Log in to your credit card account via the mobile app, internet or phone banking, or any Axis Bank ATM

2. Set a new card pin and set your usage

3. Carry out a transaction on your card

You have the option to close your credit card account with any issuer, including Axis Bank. 

1. First, know what it means to close a credit card account. You won't be able to make purchases with the credit card post closure. 

2. It is possible that this may affect your credit score and buying capacity. Whenever you’re ready to get a new credit card, you can browse and compare options on Bajaj Markets.

3. Make sure you settle any outstanding debts and use all your remaining reward points prior to card closure.

4. Next, submit your card account termination request to proceed with closure. You can call the customer care team to understand further steps or visit a nearby branch.

5. After your request is processed, check if the cancellation is accurately recorded.

You will receive regular reminders from the Axis Bank to pay off your outstanding balances if you default on payments. The issuer may communicate via email, phone, SMS, post, fax, or any other mode. In certain cases, third parties will be involved to remind, follow up, and collect these dues. 

 

These parties will adhere to the debt collection code of conduct. The time period between the payment due date and the billing date is the ‘notice period’ before you would be reported as a defaulter.