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Features of Axis Bank Gold Credit Card
- 1. Reward Points System:
- Regular Spends: Earn 10 EDGE REWARD Points for every ₹200 spent on regular transactions.
- Retail Shopping: Get 2X points (20 EDGE REWARD Points) on retail shopping spends including department stores, grocery stores, clothing, and accessory stores.
- Redemption Options: Points can be redeemed for over 500 products and services including vouchers, travel bookings, and merchandise.
- Validity: Reward points have a validity of three years.
- 2. Travel Benefits:
- Airport Lounge Access: Four complimentary visits per calendar year to select airport lounges across India when you spend ₹50,000 in the previous three months.
- Golf Privileges: Complimentary golf rounds or lessons at select courses in India.
- Global Acceptance: Accepted worldwide with support for international transactions.
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- Dining and Lifestyle Discounts: The card includes exclusive dining privileges through the Axis Bank Dining Delights Program with EazyDiner, offering up to ₹800 off on dining at partner restaurants. Additionally, cardholders enjoy a 30% instant discount on Swiggy orders (up to ₹150 per month) on a minimum spend of ₹200, catering to food lovers who frequently dine out or order in. These discounts add significant value for those with active social lifestyles.
- Fuel Surcharge Waiver: For commuters and travelers, the card offers a 1% fuel surcharge refund on transactions between ₹400 and ₹4,000 at all fuel stations across India, with a maximum benefit of ₹400 per statement cycle. This feature helps offset fuel costs, making it a practical choice for individuals who drive regularly. Note that service tax on fuel surcharges is non-refundable, and no reward points are earned on fuel transactions.
- Purchase Protection: The card provides purchase protection up to ₹1 lakh, covering consumer durable goods against fire, natural calamities, burglary, and housebreaking for up to 90 days from the purchase date. This insurance feature adds a layer of security for high-value purchases, giving cardholders peace of mind when shopping for electronics, appliances, or other expensive items.
- Contactless Payments: Equipped with contactless payment technology, the card allows for quick and secure transactions at merchants with contactless-enabled terminals. This feature is ideal for small, everyday purchases, enhancing convenience and reducing the need to carry cash. The card also supports global acceptance, making it suitable for international transactions, though a 1.5% Dynamic Currency Conversion (DCC) markup fee applies to transactions in Indian currency at international locations.
- EMI Conversion: Cardholders can convert purchases of ₹2,500 or more into Equated Monthly Installments (EMIs), offering flexibility in managing large expenses. This feature is particularly useful for big-ticket items like electronics, furniture, or travel bookings, allowing users to spread payments over a period that suits their budget. EMI conversion is available through the Axis Bank Mobile App or internet banking, subject to terms and conditions.
- Welcome and Activation Benefits: New cardholders receive attractive welcome benefits, such as 10,000 EDGE REWARD Points worth ₹2,000 upon completing their first transaction within 30 days of card issuance (not applicable for lifetime free cards or Burgundy account holders). These points can be redeemed for vouchers or other rewards, providing an immediate value proposition for new users.
- Golf Privileges: For golf enthusiasts, the card offers complimentary golf rounds or lessons at select courses in India, subject to terms and conditions. This feature appeals to high-net-worth individuals who enjoy exclusive leisure activities, adding a touch of luxury to the card’s offerings.
- Interest-Free Credit Period: The card provides an interest-free credit period of up to 50 days, provided the previous month’s balance is cleared in full by the due date. This feature allows cardholders to make purchases and defer payments without incurring interest, promoting responsible spending and financial flexibility.
- Customizable Credit Limit: The credit limit is determined based on the cardholder’s income, credit score, and financial profile, with the potential for enhancement based on repayment history and bank discretion. First-time cardholders may receive a lower limit, which can be increased over time with consistent usage and timely repayments, catering to evolving financial needs.
- Mobile Banking Integration: The card is fully integrated with the Axis Mobile App, offering 24/7 access to over 250 banking services, including bill payments, fund transfers, statement downloads, and reward point management. The app’s user-friendly interface enhances the cardholder experience, making financial management seamless and accessible.
- Security Features: The card includes advanced security features like EMV chip technology, two-factor authentication for online transactions, and the ability to lock/unlock the card via the Axis Mobile App. These measures protect against fraud and unauthorized usage, ensuring cardholder confidence in both domestic and international transactions.
- Annual and Joining Fees: The card typically has a joining fee of ₹500 and an annual fee of ₹500, which may be waived based on spend thresholds or promotional offers. These fees are competitive for a premium card, balancing cost with the extensive benefits provided.
- International Usage: The card is accepted globally, with a 1.5% DCC markup fee for transactions in Indian currency at international locations or with merchants registered abroad. This feature makes it a reliable companion for international travel, shopping, or online purchases from foreign vendors.
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- Exclusive Lifestyle Privileges: Enjoy golf privileges including complimentary rounds or lessons at select courses, and dining discounts that enhance social experiences, positioning the card as a status.
- Insurance and Purchase Protection: Purchase protection plan covers up to ₹1 lakh for consumer durables against damage or theft within 90 days, providing peace of mind for frequent shoppers of electronics, appliances.
- Convenience and Accessibility: Full integration with the Axis Mobile App enables managing transactions, tracking rewards, paying bills, and accessing offers anytime, anywhere.
- Welcome and Milestone Benefits: Earn 10,000 EDGE REWARD Points (worth ₹2,000) on the first transaction, plus accelerated points on retail shopping milestones, encouraging card usage and rewarding loyalty.
- Building Credit History: Timely repayments and maintaining a low credit utilization ratio help build a strong credit score, improving eligibility for future loans, credit limit increases, or premium cards.
- Customizable Financial Management: Ability to increase credit limit (subject to bank approval) and change billing cycle once offers flexibility in aligning payments with income schedules, promoting disciplined spending.
- Security and Peace of Mind: Equipped with EMV chip technology, two-factor authentication, and mobile app card lock/unlock for enhanced fraud protection and control over card usage.
- Cost-Effective Fee Structure: ₹500 joining and annual fees are competitive and may be waived based on spending thresholds, making the card a cost-effective choice for active users.
- Support for International Transactions: Widely accepted globally with a 1.5% DCC markup fee, ideal for travelers and online shoppers seeking convenience abroad.
- Community and Social Benefits: Dining and lifestyle offers encourage social engagement, travel, and leisure activities, enhancing cardholders’ quality of life.
- Tailored for Diverse Needs: Whether a traveler, foodie, shopper, or golfer, the card’s benefits cater to a wide range of lifestyles, making it a versatile financial product.
Frequently Asked Questions (FAQs)
What is the Axis Bank Gold Credit Card?
The Axis Bank Gold Credit Card is a basic entry-level credit card that offers essential benefits like cash withdrawal, EMI options, and worldwide acceptance.
Who is eligible to apply for the Axis Bank Gold Credit Card?
Any Indian resident aged 18–70 years with a stable source of income and a good credit score may be eligible. Specific criteria may vary depending on Axis Bank’s internal policies.
Is there an annual fee for the Axis Bank Gold Credit Card?
Yes, the card typically comes with an annual fee. However, Axis Bank may offer fee waivers based on usage. Please check with the bank for the latest fee structure.
How can I apply for the Axis Bank Gold Credit Card?
You can apply online through the Axis Bank website, via mobile banking, or by visiting a branch with required KYC documents.
What documents are required to apply?
Generally, you need identity proof (like PAN or Aadhaar), address proof, income proof (salary slip or IT return), and passport-size photographs.
Can I use the Axis Bank Gold Credit Card internationally?
Yes, it is accepted worldwide at all merchants and ATMs that accept Visa or Mastercard, depending on the variant issued.
What are the benefits of the Axis Bank Gold Credit Card?
Benefits include interest-free credit period, EMI conversion options, utility bill payments, and wide acceptance across merchants.
Is there a fuel surcharge waiver?
Axis Bank Gold Credit Card may offer a fuel surcharge waiver at select petrol pumps. Terms and conditions apply, so check with Axis Bank for exact details.
Does the card offer any reward points?
This card may not offer a comprehensive rewards program like premium cards, but some offers or limited reward points may be applicable from time to time.
What is the credit limit on the Gold Credit Card?
The credit limit is determined by Axis Bank based on your credit profile, income, and repayment history.
Can I convert large purchases into EMIs?
Yes, purchases above a specified amount can be converted into EMIs with flexible tenures and applicable interest rates.
What is the interest rate on the Axis Bank Gold Credit Card?
Interest rates vary depending on your usage and repayment behavior. Typically, it ranges from 2.5% to 3.6% per month (30%–43.2% annually).
What happens if I miss a payment?
Late payment charges and interest will be levied. Continuous defaults can affect your credit score and card usage.
How can I check my card balance and transactions?
You can check your balance through Axis Bank Internet Banking, mobile app, or by calling customer care.
How do I block the card if it’s lost or stolen?
Immediately call Axis Bank’s customer care helpline or use the mobile app/internet banking to block your card and prevent misuse.
List of Axis Bank Gold Credit Card Branches in Andhra Pradesh
- Ponnur
- Markapur
- Chilakaluripet
- Palakole
- Kavali
- Bobbili
- Rayachoti
- Jaggayyapet
- Mangalagiri
- Addanki
- Adoni
- Air Bypass Road, Tirupati
- Akkayyapalem, Visakhapatnam
- Alamuru
- Anakapalle
- Anantapur
- Ashok Nagar, Kakinada
- Bapatla
- Bellary Road, Anantapur
- Bethamcherla