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Features of Axis Bank Coral Credit Card
- Seamless Contactless Payments: Quickly pay at NFC-enabled terminals with no PIN required for small amounts. Powered by Visa chip-and-PIN technology, ensuring security and speed for everyday transactions.
- Customized Credit Limit: Tailored credit limits from Rs. 25,000 up to Rs. 5 lakh based on income and credit profile. Flexible limits that grow with your financial needs, supporting both daily expenses and big purchases.
- Emergency Cash Withdrawal: Withdraw up to 30% of your credit limit at Visa-enabled ATMs worldwide for emergencies. A fee and interest apply, but it provides a vital safety net during unexpected financial needs.
- Extended Interest-Free Credit: Enjoy up to 50 days of interest-free credit on purchases, a powerful tool to manage cash flow without extra costs. If you buy a Rs. 25,000 smartwatch early in your billing cycle, you could have nearly two months to repay, aligning with your salary, bonus, or business income. This perk shines for freelancers awaiting client payments, parents covering Rs. 10,000 in school fees, or retirees balancing pension cycles. For instance, a marketing professional could spend Rs. 15,000 on a work laptop and repay post-project, avoiding interest. Cash withdrawals and EMIs don’t qualify, so prioritize purchases—like festival gifts or electronics—to maximize savings. This feature empowers you to spend confidently, knowing you have time to settle bills strategically.
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- Fuel Surcharge Relief: For those who live on the road, the Coral Credit Card offers a 1% surcharge waiver on fuel transactions between Rs. 400 and Rs. 4,000, capped at Rs. 400 per billing cycle. A Rs. 2,500 fuel purchase saves Rs. 25, and hitting the cap with Rs. 40,000 monthly fuel spends saves Rs. 4,800 annually. This benefit is a game-changer for daily commuters filling up Rs. 5,000 monthly, families with two cars spending Rs. 15,000, or delivery business owners fueling Rs. 30,000. Picture a sales manager driving 200 km weekly; their Rs. 10,000 fuel bill saves Rs. 100 monthly, easing their budget. To unlock this perk, clear your card’s outstanding balance monthly, ensuring every tank-up stretches your wallet further. This feature makes driving more affordable, especially in fuel-intensive lifestyles.
- Lucrative Reward Points: Transform your spending into rewards with 4 eDGE Reward Points for every Rs. 200 spent, redeemable via the Axis eDGE Rewards platform for vouchers, gadgets, travel bookings, or bill payments. A Rs. 20,000 monthly spend on groceries, dining, and subscriptions earns 400 points (~Rs. 80 at 1 point = Rs. 0.20), while a Rs. 1.5 lakh annual spend nets 3,000 points (~Rs. 600). Points aren’t earned on fuel, cash withdrawals, or government transactions. For example, a fashion enthusiast spending Rs. 12,000 on apparel could redeem points for a Rs. 200 Amazon voucher, enhancing their next purchase. A family spending Rs. 50,000 monthly earns 1,000 points, enough for a hotel discount. This feature incentivizes regular use, turning routine spends into exciting perks for shoppers, travelers, or gift-seekers.
- Dining Discounts Galore: Indulge in culinary delights with a minimum 15% discount at thousands of partner restaurants across India through Axis Bank’s Dining Delights program. A Rs. 3,000 dinner bill saves Rs. 450, and dining out twice monthly saves Rs. 900, or Rs. 10,800 annually. Discounts vary, often requiring a minimum bill (e.g., Rs. 1,000). Imagine a couple celebrating a promotion at a Rs. 5,000 fine-dining restaurant; their bill drops to Rs. 4,250, making the night memorable yet affordable. A professional hosting clients could save Rs. 600 on a Rs. 4,000 bill, impressing guests while cutting costs. Families dining out weekly could turn Rs. 2,000 pizza nights into Rs. 1,700 treats, saving Rs. 5,200 yearly. This perk elevates dining for foodies, social butterflies, or parents, adding value to every meal.
- Complimentary Lounge Access: Travel in style with 1 complimentary lounge access per quarter at select domestic airport lounges, including those in Delhi, Mumbai, Bangalore, and Chennai. To qualify, spend Rs. 5,000 in the previous quarter—a Rs. 12,000 spend on bills, shopping, or dining easily unlocks this perk. Valued at Rs. 500–1,000 per visit, it offers a serene escape with free refreshments, Wi-Fi, and plush seating. Picture a consultant relaxing with a cappuccino in Delhi’s lounge before a critical meeting, or a family unwinding in Mumbai’s lounge during a layover, keeping kids entertained with snacks. This benefit adds a touch of luxury for occasional travelers, business professionals, or vacationers, delivering premium comfort without the cost of a high-end card.
- Add-on Cards for Family: Share the card’s perks with up to 4 add-on cards for family members aged 18 and above, consolidating expenses and rewards under one account. A family spending Rs. 60,000 monthly earns 1,200 points (~Rs. 240), redeemable for a flight discount or appliance. For instance, parents could issue add-on cards to their college-going daughter for Rs. 5,000 in books and a spouse for Rs. 20,000 in shopping, tracking all spends via the Axis Mobile app. A Rs. 3,000 cafe bill by a teen or a Rs. 10,000 grocery run by a partner earns points, amplifying rewards. This feature simplifies budgeting for families, couples, or siblings, ensuring every spend maximizes the card’s value while keeping finances organized.
- Flexible EMI Conversion: Make big purchases affordable by converting transactions above Rs. 2,500 into EMIs with tenures from 3 to 24 months, at 1.5%–2% monthly interest. A Rs. 20,000 refrigerator could be split into 6 EMIs of ~Rs. 3,600, fitting your monthly budget. Request conversion via the Axis app or customer care within days of purchase. Imagine a young professional buying a Rs. 40,000 gaming console for their side hustle; spreading costs over 12 months keeps their savings intact. A family planning a Rs. 30,000 vacation could pay in 9 EMIs, enjoying the trip without financial strain. This feature is ideal for electronics, furniture, or festive expenses, ensuring big buys align with your financial goals.
- Global Visa Acceptance: As a Visa card, the Coral Credit Card is your passport to millions of merchants and ATMs worldwide, from London’s shopping streets to Singapore’s dining hubs. A 3.5% foreign currency markup fee applies, so a $200 hotel booking (~Rs. 16,800) costs Rs. 588 extra. Visa’s global emergency assistance ensures support for lost cards or cash advances abroad. For example, if your card is stolen in Paris, a quick call to Visa’s helpline arranges a replacement, keeping your trip on track. An NRI spending Rs. 50,000 on Indian expenses or a tourist buying $500 in souvenirs benefits from seamless usability. This feature is essential for globetrotters, NRIs, or online shoppers purchasing from international sites, offering reliability and convenience worldwide.
- Digital Wallet Integration: Embrace India’s cashless revolution by linking the card to digital wallets like Google Pay, Paytm, or PhonePe for instant UPI or NFC payments. Pay Rs. 2,000 for groceries via a UPI scan or Rs. 800 for a cab with a contactless tap, saving time and effort. For instance, a student could settle Rs. 3,000 in monthly subscriptions via Paytm, streamlining their budget, while a professional pays Rs. 1,500 for office supplies via Google Pay in seconds. Ensure your registered mobile number matches the wallet for smooth setup. This feature caters to tech-savvy users—students, freelancers, or urban dwellers—making every transaction effortless and aligned with modern payment trends. These features position the Coral Credit Card as a versatile companion, blending practicality, rewards, and luxury for students, professionals, families, and travelers. Whether you’re tapping to pay, relaxing in a lounge, or managing family expenses, the card elevates your financial journey with ease and flair.
