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Features of Axis Bank Liberty Credit Card

  • 1. Rewards and Cashback Benefits:
    • Generous Cashback on Weekend Spending: The Axis Bank Liberty Credit Card offers a robust 5% cashback on weekend spends across select categories, including dining, entertainment, shopping, and travel. This feature is tailored for those who enjoy weekend outings, whether it’s a movie night, a restaurant dinner, or a quick getaway. The cashback is capped at ₹500 per month, but during the cardholder’s birthday month, this cap increases to ₹1000, adding a celebratory perk. Transactions must occur on Saturdays and Sundays to qualify, ensuring you maximize rewards during your leisure time.
    • EDGE REWARD Points on Every Transaction: For every ₹200 spent using the card, cardholders earn 1 EDGE REWARD point, applicable to both domestic and international transactions. These points can be redeemed for a variety of options, such as merchandise, gift vouchers, or statement credits, through the Axis Bank EDGE REWARDS portal. The program is designed to reward consistent usage, making everyday purchases more rewarding. A monthly cap of 1000 EDGE REWARD points ensures balanced earning potential.
    • Bonus Cashback on Annual Spend Milestones: To encourage higher usage, the card offers bonus cashback when you hit specific annual spending thresholds. For instance, spending ₹2.5 lakh annually unlocks an additional ₹1000 cashback, credited directly to your statement. This feature incentivizes using the card as your primary payment method, turning routine expenses into tangible savings.
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    • Dining and Entertainment Perks: Enjoy up to 15% off at 10,000+ restaurants across India via Axis Bank Dining Delights in collaboration with EazyDiner. Plus, movie lovers get 5% off on BookMyShow movie tickets (up to ₹150 per transaction, 3 times per month). Additionally, get complimentary subscriptions to select OTT platforms like SonyLIV or ZEE5 for the first year, catering to your streaming needs.
    • Travel and Lounge Access: Get 1 complimentary domestic airport lounge access per quarter. Spend ₹5,000 in the previous 3 months to qualify (waived for first 3 months). Enjoy discounts up to 10% on travel bookings via MakeMyTrip or Goibibo—applicable twice per quarter, with a maximum of ₹1,000 per transaction.
    • Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at any fuel station in India, capped at ₹400 per statement cycle.
    • Insurance and Security Features: Includes Personal Accident Cover of ₹5 lakh and Air Accident Cover of ₹1 crore (requires at least one transaction every six months). Enjoy purchase protection up to ₹50,000 for 90 days and price protection up to ₹50,000 for eligible items found at a lower price within 30 days.
    • EMV Chip and PIN Security: Advanced EMV chip & PIN-based security ensures safe online and offline transactions. Set daily transaction limits and instantly block the card via mobile app in case of theft/loss.
    • Contactless Payment Capability: Supports tap-and-pay transactions up to ₹5,000 without PIN, ensuring fast, hygienic, and secure payments through Visa’s secure network.
    • Flexible Credit Limit: Credit limit starts at ₹25,000 and is customized based on your income and credit profile. Limits may be increased based on usage and repayment behavior.
    • Balance Transfer Option: Transfer outstanding balances from other credit cards to Liberty Card at lower interest rates with flexible tenures, helping manage debt smartly.
    • Easy EMI Conversion: Convert purchases above ₹2,500 into easy EMIs (3 to 24 months) through the Axis Bank Mobile App or Internet Banking. Ideal for large purchases like electronics or travel.
Axis Gold Credit Card Benefits

Benefits of Axis Bank Liberty Credit Card

  • Cashback Rewards: One of the standout features of the Axis Bank Liberty Credit Card is its 5% cashback on weekend spends across key lifestyle categories, including food, entertainment, shopping, and travel. This benefit is ideal for those who enjoy dining out, watching movies, or shopping on Saturdays and Sundays. The cashback is capped at ₹500 per month, ensuring consistent savings for regular weekend activities. For example, a ₹10,000 spend on dining and movies over a weekend could yield ₹500 back, directly reducing your statement balance.
  • Flexible Cashback Redemption: Unlike some cards that impose restrictive redemption processes, the Axis Bank Liberty Credit Card offers a straightforward cashback redemption system. Cashback earned is credited directly to your account, reducing your outstanding balance. This hassle-free approach ensures you enjoy the benefits without navigating complex reward portals or minimum thresholds.
        • Dining and Entertainment Perks: Dining out becomes more rewarding with the Axis Bank Liberty Credit Card, thanks to its partnership with the EazyDiner program.
        • Travel Benefits: Get one complimentary domestic lounge visit per quarter on spending ₹5,000 in the last 3 months. Also enjoy 5% weekend cashback on travel-related spends like flights, hotels, and cabs.
        • Insurance and Security Features: The card also offers EMV chip and PIN security, generating unique transaction data to protect against fraud, along with secure online/offline transaction capability.
        • Reward Points Program: Earn 1 EDGE Reward Point per ₹200 spent. Get 3 EDGE Points per ₹200 spent on dining and apparel. Spend ₹60,000 in a quarter to earn a ₹750 voucher from brands like Amazon and Lifestyle.
        • Transactional Flexibility: With a high daily purchase limit of ₹3 lakh and contactless payments up to ₹5,000, the card supports large purchases and small quick payments.
        • Additional Lifestyle Benefits: Get extra savings and curated experiences through Axis Bank’s Dining Delights program. Share card benefits with up to three family members under the Family Banking Program.
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How to Apply for Axis Bank Liberty Credit Card

  • 1. Online Application via Axis Bank Website
    • Visit the Axis Bank official website and go to the 'Credit Cards' section.
    • Select the Liberty Credit Card and click "Apply Now".
    • Fill in personal, professional, and financial details in the form.
    • Upload required documents such as PAN card, Aadhaar, and income proof.
    • Submit the form and verify your application using OTP.
    • Note down the application reference number to track the status.
  • 2. Application via Axis Mobile App
    • Download and install the Axis Mobile App from Play Store or App Store.
    • Log in using internet banking credentials or register as a new user.
    • Navigate to the 'Credit Cards' section and select the Liberty Credit Card.
    • Complete the application by entering your details and uploading documents.
    • Verify with OTP and submit your application.
    • Track your application status directly within the app.
  • 3. Offline Application at Axis Bank Branch
    • Visit the nearest Axis Bank branch with your ID, address, and income documents.
    • Request the Liberty Credit Card application form.
    • Fill out the form manually and attach self-attested copies of documents.
    • Submit the completed form to the bank representative.
    • Receive an application reference number for tracking purposes.
  • 4. Application for Existing Axis Bank Customers
    • Log in to Axis Bank Net Banking or Mobile App.
    • Go to the 'Credit Cards' section and click on 'Apply for New Credit Card'.
    • Select Liberty Credit Card from the available list.
    • Review and confirm your pre-filled details.
    • Upload any additional documents if required and submit.
    • Receive confirmation and reference number for tracking.

Eligibility Criteria for Axis Bank Liberty Credit Card

  • 1. Age Requirements
    • Primary Cardholder: Must be between 18 and 70 years old
    • Add-on Cardholder: Minimum age is 15 years
  • 2. Nationality & Residency
    • Resident Indians and NRIs are eligible
    • NRIs must provide valid Indian address and overseas employment proof
    • Non-residents without a permanent Indian address are not eligible
  • 3. Income Requirements
    • Salaried: Minimum annual income of ₹6 lakh preferred
    • Self-employed: Proof of consistent business income via ITRs or turnover
    • Alternative income (rental, investments) may be considered with proof
    • Option for secured card against Fixed Deposit (minimum ₹20,000)
  • 4. Credit History & Score
    • Preferred CIBIL score: 700 or above
    • Healthy repayment history with low credit utilization ratio
    • Debt-to-Income ratio ideally below 40%
    • Applicants with lower scores may be eligible for secured variant
  • 5. Employment & Professional Status
    • Salaried: Minimum 1 year with current employer, Form 16 or salary slips required
    • Self-employed: Business must be operational for at least 2 years
    • Unemployed or retired: Must show regular income or opt for FD-backed card
  • 6. Existing Banking Relationship
    • New applicants may need to provide additional documentation
  • 7. Documentation Required
    • Identity Proof: Aadhaar, PAN, Passport, Voter ID, or Driving License
    • Address Proof: Same as above or utility bills
    • Income Proof: Salary slips, ITRs, bank statements, FD receipt if applicable
    • Photograph: Recent passport-size photo
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Documents Required for Axis Bank Liberty Credit Card

  • Identity Proof:
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter ID Card
    • Driver's License
    • Government-issued photo ID (e.g., NREGA Job Card)
    • Employee ID card (if applicable)
  • Address Proof:
    • Aadhaar Card (with current address)
    • Passport
    • Voter ID Card (with current address)
    • Electricity or Telephone Bill (not older than 3 months)
    • Bank statement (last 2-3 months)
    • Rental Agreement (registered)
    • Driving Licence (with current address)
    • Ration Card
    • Registered sale deed or lease agreement
  • Income Proof:
    • Salaried Individuals:
      • Latest 3 months’ salary slips
      • Bank statements showing salary credits
      • Latest Form 16
      • Income Tax Return (if Form 16 is not available)
      • Employment offer or appointment letter
      • Income certificate from employer (if applicable)
    • Self-Employed Individuals:
      • ITR for the last 2 years with computation of income
      • Audited Profit & Loss Statement
      • Balance Sheet (audited)
      • Business bank statements for the last 6 months
      • Business registration/license
      • GST Returns (if applicable)
    • Other Categories:
      • Students: Fixed deposit certificate or consent from primary cardholder (for add-on card)
      • NRIs: Foreign salary slips, employment contract, overseas bank statement, PAN Card or Form 60
  • Age Proof:
    • Class 10 certificate or mark sheet
    • Birth certificate
    • Passport
    • Voter ID Card
    • Aadhaar Card
    • Driving Licence
  • Additional Documents:
    • PAN Card or Form 60 (if PAN is unavailable)
    • One or two recent passport-sized photographs
    • Employer ID or letter (for salaried applicants)
    • Shop license, GST certificate, or partnership deed (for self-employed)

Factors Affecting for Axis Bank Liberty Credit Card

  • Documentation and Application Process:Applicants must submit standard KYC documents, including a PAN card, Aadhaar card, proof of address, and income proof (such as salary slips or ITR). The application can be completed online via the Axis Bank website or mobile app, with video KYC options for convenience. For those new to credit, the documentation process might feel rigorous, but it’s a critical factor in ensuring approval. The ease of applying online versus visiting a branch is a significant consideration, especially for tech-savvy users.
  • Weekend Cashback Structure: One of the standout features of a card like the Axis Bank Liberty Credit Card is its cashback on weekend spending. It typically offers 5% cashback on categories such as food, entertainment, shopping, and travel, capped at INR 500 per month. This is particularly appealing for young professionals who spend heavily on weekends. However, the cashback is limited to transactions on Saturdays and Sundays, which may not suit those whose spending patterns are more evenly distributed throughout the week.
  • Birthday Month Bonus: During the cardholder’s birthday month, the cashback cap often increases to INR 1000, providing an extra incentive for celebratory spending. This feature adds a personalized touch but requires strategic planning to maximize benefits within the specified period. Cardholders must weigh whether they can align their major expenses with their birthday month to fully leverage this perk.
  • Employment Status and Industry: Stable employment in reputed firms or government sectors is favorable. Self-employed applicants face stricter scrutiny and need strong documentation.
  • Age Criteria: Applicants should be between 18–70 years. Younger applicants (under 25) may receive lower limits; older applicants need proof of stable income (e.g., pension).
  • Residential Status: Resident Indians and NRIs are eligible. NRIs must provide overseas income proof, Indian bank account, and verifiable documents.
  • Existing Relationship with Axis Bank: Having savings accounts, FDs, or loans with Axis Bank can improve approval chances and may lead to pre-approved offers.
  • Desired Credit Limit: Requested limits should align with income and liabilities. Overambitious limit requests without adequate income are rejected.
  • Existing Credit Cards: Applicants with 1–2 well-maintained cards are preferred. Too many cards or recent applications raise concerns of credit hunger.
  • Redemption Process: Cashback and voucher redemptions involve navigating Axis Bank’s internet banking or mobile app, with vouchers processed through a third-party platform. While functional, this process can be cumbersome, and delays in credit (sometimes requiring follow-ups via social media) may frustrate users. The ease of accessing rewards is a practical consideration for busy individuals.
  • Comparison with Competitors:The Axis Bank Liberty Credit Card competes with entry-level cards like the HDFC MoneyBack Credit Card or SBI SimplySAVE Card, which offer similar cashback and reward structures. However, its weekend-focused cashback and quarterly vouchers set it apart for specific spending patterns. Potential users should compare these cards based on their lifestyle, as alternatives may offer better dining discounts or fuel benefits.
  • Target Audience: The card is best suited for young professionals or families with moderate spending (INR 10,000-25,000 monthly) on food, entertainment, and shopping, particularly on weekends. Those with irregular spending or high-end needs may find premium cards more rewarding. Understanding the card’s niche positioning helps determine its fit.
  • Sustainability of Benefits:The card’s rewards are tied to consistent spending, which may not be sustainable for all users, especially during financial constraints. The annual fee waiver conditions and cashback caps require ongoing commitment, making long-term value a critical factor. Users should project their spending over a year to assess whether benefits outweigh costs.
  • Scalability: As income or spending grows, cardholders may outgrow the Liberty Credit Card’s limits and perks, prompting a switch to premium cards like the Axis Bank Privilege or Magnus. Evaluating the card’s scalability ensures it aligns with future financial goals.

Frequently Asked Questions (FAQs)

What is the Axis Bank Liberty Credit Card?
It is a lifestyle-focused credit card offering rewards on online & offline spends, complimentary Swiggy memberships, and discounts on dining, entertainment, and travel.
What are the key features & benefits?
5X Reward Points on online spends (excluding rent, wallet loads, etc.).
1X Reward Point on offline spends.
Complimentary Swiggy One Membership (6 months).
Discounts on Swiggy, Zomato, BookMyShow, etc.
No Joining Fee (if applied via online channels).
Is there a joining fee?
₹500 + GST (waived if applied online).
What is the annual fee?
₹500 + GST (waived if annual spends exceed ₹50,000).
What is the reward redemption process?
Rewards can be redeemed via the Edge Rewards portal for flights, hotels, vouchers, or cashback.
Does it offer airport lounge access?
No, the Liberty card does not provide lounge access.
What is the interest rate & late payment fee?
Interest rate: 3.4% per month (~40.8% p.a.).
Late payment fee: ₹500 (first time) & ₹600 (subsequent defaults).
How to apply for the Axis Liberty Credit Card?
Online via Axis Bank website, Paisabazaar, or offline via bank branches.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver at all petrol pumps (min. transaction: ₹400, max. waiver: ₹250/month).
What is the credit limit offered?
Depends on income, credit score, and eligibility.

List of Axis Bank Liberty Credit Card Branches in Tamil Nadu

  • Mayiladuthurai
  • Mettupalayam
  • Nagercoil
  • Namakkal
  • Ooty
  • Palani
  • Palladam
  • Pattukkottai
  • Perambalur
  • Periyakulam
  • Pollachi
  • Pudukkottai
  • Rajapalayam
  • Ramanathapuram
  • Ranipet
  • Rasipuram
  • Salem
  • Sathyamangalam
  • Sivaganga
  • Sivakasi