Axis Bank Credit Cards - Rewards, Lounge Access & More

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Key Features of Axis Bank Credit Cards

Wide Range of Options: Travel, shopping, fuel, rewards, and premium cards.
Contactless Payments: Tap-and-pay with NFC-enabled cards.
Reward Points: Earn points on every spend, redeemable for vouchers, flights, and more.
EMI Facility: Convert big purchases into easy EMIs.
Zero Fraud Liability: Protection against unauthorized transactions.
Complimentary Airport Lounge Access: Available on select cards.
Fuel Surcharge Waiver: Save on fuel transactions (terms apply).
Insurance Cover: Travel, purchase, and life insurance on select cards.

Benefits of Axis Bank Credit Cards

Cashback & Discounts: Exclusive offers on dining, shopping, and entertainment.
Welcome Benefits: Bonus reward points, vouchers, or gifts on activation.
Global Acceptance: Use internationally with For ex markup benefits.
Easy Bill Payments: Auto-debit, UPI, and app-based payments.
Priority Pass Membership: Free lounge access (on premium cards).
24/7 Customer Support: Dedicated helpline for queries.

How to Apply for Axis Bank Credit Card?

Online Application: Visit Axis Bank website or mobile app.
Offline Application: Visit nearest branch.
Check Pre-approved Offers: Log in to NetBanking for instant offers.
Submit Documents: Upload KYC & income proof.
Verification & Approval: Get card within 7-10 working days.

Eligibility Criteria

Age: 18-70 years (varies by card type).
Income: Salaried (Min. ₹15,000-₹25,000/month) | Self-employed (Min. ₹6 LPA).
Credit Score: 750+ (preferred for premium cards).
Documents Required: PAN, Aadhaar, Income proof, Bank statements.
Employment Stability: Minimum 6-12 months of continuous employment or stable business history.

Factors to Consider Before Applying

Annual Fees: Some cards have joining/annual fees.
Interest Rate: Typically 1.5%-3.5% per month (check terms).
Reward Structure: Compare points, cashback, and redemption options.
Credit Limit: Based on income & credit history.
Add-on Cards: Available for family members.

How to Use Axis Bank Credit Card?

Online Shopping: Use card details or saved payment options.
ATM Withdrawals: Available (cash advance fees apply).
Contactless Payments: Tap at POS terminals for fast checkout.
EMI Conversion: Convert transactions via app or customer care.
Bill Payments: Pay via Axis Mobile App, NetBanking, or auto-debit.

FAQs on Axis Bank Credit Cards

How to activate my Axis Bank credit card?

Call customer care, use the mobile app, or SMS activation.

What is the interest-free period?

Up to 45-50 days (varies by billing cycle).

How to check credit card balance?

Via Axis Mobile App, NetBanking, SMS, or customer care.

How to increase credit limit?

Request via app/customer care; approval depends on usage & income.

Are there any hidden charges?

Late payment, cash advance, and for ex fees may apply.

How to block a lost card?

Instantly block via app or call customer care.

Can I get a fee waiver?

Yes, based on spending criteria (check terms).

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