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Features of Axis Bank Platinum Credit Card

  • 1. Reward Points Program:
    • Edge Reward Points Structure: The Axis Bank Platinum Credit Card offers an enhanced Edge Reward Points program. Cardholders earn 6 points for every ₹200 spent domestically and 12 points for every ₹200 spent on international transactions. Points are not awarded on fuel purchases and EMI conversions, focusing rewards on discretionary spending.
    • Redemption Flexibility: Points can be redeemed for over 500 options including gift vouchers, travel bookings, electronics, and personal care items via the Axis Bank website or mobile app. Cardholders receive 100 bonus points on their first online transaction. Points are credited at the end of each billing cycle.
  • 2. Cashback on Movie Tickets:
    • Entertainment Savings: Enjoy a 25% cashback on movie ticket purchases, applicable both online and at box office counters. The cashback is capped at ₹1,000 per calendar year and applies to transactions at specific merchant codes for movie theaters and theatrical producers.
    • Easy Cashback Credit: Cashback is credited automatically to the cardholder’s account in the subsequent billing cycle for hassle-free tracking.
Axis Bank Titanium Credit Card
    • Fuel Surcharge Waiver: Discount on Fuel Transactions: For those who frequently refuel their vehicles, the card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at fuel stations across India. The maximum benefit is capped at Rs. 400 per month, providing significant savings for regular commuters. The service tax charged on the fuel surcharge is non-refundable, and no Edge Reward Points are earned on fuel transactions, aligning with industry standards to prevent misuse of the reward system.
    • EMI Conversion for Large Purchases: Flexible Payment Options: The card allows cardholders to convert transactions exceeding Rs. 2,500 into Equated Monthly Installments (EMIs), offering financial flexibility for large purchases. This can be initiated through Axis Bank’s Internet Banking, Mobile App, or Customer Service channels. The EMI option is particularly useful for managing high-value expenses, such as electronics or travel bookings, by spreading payments over a period (typically 3 to 24 months) at a nominal interest rate.
    • Dining Discounts: Savings at Partner Restaurants: The Axis Bank Dining Delights Program is a key feature, offering a minimum 15% discount on dining at partnered restaurants across India. The list of participating restaurants, updated regularly on Axis Bank’s website, includes popular establishments serving diverse cuisines such as North Indian, Chinese, Italian, and Continental. The discount applies to food and soft beverage bills, with specific exclusions (e.g., only food bills at certain restaurants like Mia Cucina).
    • Global Assistance: Support for International Travelers: Through its partnership with Visa International, the Axis Bank Platinum Credit Card provides access to Global Card Assistance Services. This feature is invaluable for international travelers, allowing them to report lost or stolen cards and request emergency card replacements or cash advances from overseas locations.
    • Security Features: Enhanced Card Protection: Security is a priority with the Axis Bank Platinum Credit Card, which comes equipped with an EMV-certified chip and PIN protection. The EMV chip reduces the risk of skimming and counterfeiting, while the PIN ensures secure transactions at both online and offline merchants. Additionally, the card offers zero liability on fraudulent transactions reported promptly, further safeguarding cardholders.
    • Add-On Card Facility: Sharing Benefits with Family: The card supports add-on cards for family members, such as spouses, children, siblings, or parents, provided they are above 15 years of age. Add-on cards share the primary card’s credit limit and reward benefits, allowing families to consolidate spending and maximize rewards. Applications can be made via SMS (‘ADDON’ to 5676782) or at a branch.
    • Contactless Payments: Tap-and-Pay Functionality: The Axis Bank Platinum Credit Card supports contactless payments, enabling quick and secure transactions at NFC-enabled terminals. This feature is ideal for small, everyday purchases, such as at cafes or grocery stores, where speed and convenience are paramount. The contactless feature adheres to Visa’s security standards.
    • Fees and Charges Structure: Transparent and Affordable: The card has a joining fee and annual fee of Rs. 500 each. The joining fee is waived if the cardholder spends Rs. 5,000 or more within 45 days of card issuance, and the annual fee can be waived based on spending Rs. 50,000 annually. A 3.5% foreign currency markup fee and a finance charge of 3.6% per month (52.86% annually) apply to unpaid balances.
    • Accessibility and Customer Support: Seamless Management Tools: The card is supported by Axis Bank’s customer service via phone, email, and the Axis Mobile App. Cardholders can track transactions, redeem rewards, and request services via Internet Banking or the app, ensuring a seamless experience. The bank’s 24/7 customer support ensures prompt resolution of queries.
    • Wide Acceptance: Global Merchant Network: As a Visa-branded card, the Axis Bank Platinum Credit Card is accepted at millions of merchants worldwide, both online and offline. This makes it a versatile payment tool for everyday purchases, travel, and online shopping.
    • Interest-Free Credit Period: Up to 50 Days of Free Credit: The card offers 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 helps manage short-term expenses without incurring interest.
    • Online Transaction Security: 3D Secure Authentication: For online transactions, the card uses 3D Secure (Visa Secure), adding a layer of protection to prevent unauthorized usage. This enhances confidence in digital purchases.
    • Customizable Alerts: Stay Notified in Real-Time: Cardholders can set up SMS and email alerts for transactions, bill due dates, and reward accruals, allowing real-time monitoring and better financial management.
Axis Titanium Credit Card Benefits

Benefits of Axis Bank Platinum Credit Card

  • Savings on Entertainment:
    Get 25% cashback on movie tickets, with savings up to ₹1,000 annually. Applicable on online bookings (e.g., BookMyShow) and box office purchases. Cashback is credited in the next billing cycle, ideal for moviegoers and families.
  • Dining Discounts:
    Enjoy a minimum 15% discount at partnered restaurants across India through the Dining Delights Program. The offer is applicable to food and soft beverages, with a frequently updated list of restaurants on Axis Bank’s website.
  • Fuel Cost Reduction:
    Avail a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Save up to ₹400 monthly. Though service tax is non-refundable, the waiver helps reduce commuting expenses over time.
      • Savings on Everyday Expenses:
      • Fuel Cost Reduction: The 1% fuel surcharge waiver translates to savings. For monthly fuel expenses of ₹20,000, you could save ₹200, totaling ₹2,400 annually.
      • Dining Discounts: Enjoy 15% off at partner restaurants. A family dining out twice a month with ₹2,000 bills can save ₹600 monthly.
      • Reward Points Accumulation:
      • Earning on Regular Spends: Earn 6 points per ₹200 on domestic and 12 points per ₹200 on international spends. Get 100 bonus points on your first online transaction.
      • Redeeming for Value: Redeem points for travel, shopping vouchers, merchandise, or discounts. Frequent travelers can convert points to air miles.
      • Financial Flexibility:
      • EMI Conversion: Convert purchases above ₹2,500 into EMIs (3–24 months), making it easier to manage large expenses.
      • Instant Loan Feature: Get funds transferred to your savings account with a low 1.5% processing fee—ideal for emergencies.
      • Enhanced Convenience:
      • Global Usability: Use the card globally via Visa's network—perfect for international travelers.
      • Digital Management: Manage your card using the Axis Mobile App or Internet Banking. Features include tracking expenses, blocking cards, and managing rewards.
      • Security and Protection:
      • Fraud Protection: Zero liability for lost cards post-reporting, with EMV chip and OTP-based authentication enhancing security.
      • Insurance Coverage: Basic group insurance covers travel-related incidents.
      • Accessibility for New Users:
      • Low Eligibility Threshold: Suitable for young professionals and first-time cardholders due to low fees and simple reward systems.
      • Educational Support: EMI calculators and customer support help users understand and manage credit responsibly.
      • Additional Benefits:
      • Add-On Cards: Add cards for family members above 15 years. Shared credit limit and reward accumulation help consolidate expenses.
      • Fee Waivers: Spend ₹5,000 in 45 days to waive the joining fee. Spend ₹50,000 annually to waive the annual fee.
      • Interest-Free Period: Enjoy up to 50 days of interest-free credit when dues are paid in full on time.
      • Wide Acceptance: Accepted at millions of merchants (online and offline) through the Visa network.
      • Contactless Payments: Make fast and secure payments with NFC-enabled terminals—perfect for daily shopping.
      • Customer Support: 24/7 support via call, email, or mobile app for any issues or card management tasks.
      • Lifestyle and Credit Benefits:
      • Lifestyle Perks: Enjoy dining offers, movie cashback, and other value-added benefits tailored for young professionals and families.
      • Credit History Building: Great for first-time users to build a strong credit profile with responsible usage.
Check Best Gold Loan Offers

How to Apply for Axis Bank Platinum Credit Card

  • Eligibility Criteria
    • Age and Residency: Applicants must be between 18 and 70 years old and can be residents or NRIs. Add-on cardholders must be at least 15 years old.
    • Income Requirements: A stable income is expected. Salaried individuals should provide recent salary slips, while self-employed applicants must submit income tax returns.
    • Credit Score: A credit score of 750 or above is recommended. Applicants with no credit history should show strong income and financial stability.
  • Required Documents
    • Identity Proof: PAN card, Aadhaar card, passport, or driver’s license. Submit Form 60 if PAN is not available.
    • Address Proof: Recent utility bill, passport, or any government-issued document with matching address.
    • Income Proof: For salaried: last 3 months’ salary slips or Form 16. For self-employed: last 2 years’ ITR.
    • Photographs: Two recent passport-sized photographs as per bank specifications.
  • Online Application Process
    • Step 1: Visit Axis Bank Website Go to www.axisbank.com → “Credit Cards” section → Select Platinum Credit Card → Click “Apply Now.”
    • Step 2: Fill Application Form Provide your personal, contact, employment, and income details. Make sure all information is accurate.
    • Step 3: Upload Documents Upload scanned copies of identity, address, and income documents (file size should be within 2MB).
    • Step 4: Submit and Verify Submit your application. You’ll receive an OTP for mobile verification and a reference number to track the application.
    • Step 5: Application Review The bank verifies documents and credit score. If approved, the card is dispatched within 7–10 working days.
  • Offline Application Process
    • Visit your nearest Axis Bank branch with original and photocopies of required documents and the filled application form.
    • Submit documents; a representative will assist and provide a reference number for tracking the application.
    • Application processing and verification may take up to 21 working days.
  • Application Through Third-Party Platforms
    • Visit trusted financial platforms like CardInsider or logintoloans.
    • Check eligibility using online tools by entering basic details (income, employment, etc.).
    • Click “Apply Now” to fill out the form and upload required documents digitally.
    • Track your application using the platform’s tracking system. Card delivery follows Axis Bank’s standard process after approval.
  • Tips for a Successful Application
    • Maintain a CIBIL score of 750+ for a better chance of approval.
    • Ensure all documents have consistent and correct details (name, DOB, address).
    • A stable annual income of ₹3–5 lakh is typically preferred.
    • If you hold an Axis Bank account or loan, mention it to potentially fast-track the process.
    • Limit applications to avoid negative credit score impact.
  • Tracking Application Status
    • Use your reference number to track status via Axis Bank’s official website (Track Application section).
    • Alternatively, call Axis Bank customer care at 1860-419-5555 or visit a branch.
  • Post-Approval Steps
    • Activate your card via Axis Mobile App, Internet Banking, or by calling customer care.
    • Set up your PIN, enable transaction alerts, and review the welcome kit for card features and charges.
    • Register for SMS/email notifications and auto-debit to avoid late payments.

Eligibility Criteria for Axis Bank Platinum Credit Card

  • 1. Age Requirements
    • Primary cardholder must be between 18 and 70 years of age.
    • This age range ensures applicants are financially mature and not nearing retirement.
    • Add-on cardholders must be at least 15 years old.
    • Valid government ID proofs like Aadhaar, PAN, or Passport are required for age verification.
  • 2. Income Requirements
    • Typical minimum annual income expected is between ₹3 lakh and ₹5 lakh.
    • Salaried individuals must provide recent salary slips or Form 16.
    • Self-employed individuals must submit ITRs or audited financial statements.
    • Stable and consistent income enhances approval chances.
  • 3. Residential Status
    • Open to both Resident Indians and Non-Resident Indians (NRIs).
    • Resident Indians must provide a valid permanent Indian address proof.
    • NRIs need to submit documents like overseas employment proof, visa, or foreign address proof.
    • NRIs may be subject to higher income criteria depending on country of residence.
  • 4. Employment Status
    • Open to both salaried and self-employed professionals.
    • Salaried applicants must be employed for at least 6 months in a stable job.
    • Self-employed must show at least 2 years of business continuity.
    • Alternative income sources (rental income, pension, investments) may be considered if verifiable.
  • 5. Credit Score and History
    • Ideal CIBIL score is 750 or above for higher approval chances.
    • Applicants with scores below 700 may receive lower limits or face rejection.
    • Axis Bank evaluates timely repayments, credit utilization, and inquiries.
    • No credit history applicants may be eligible for secured card variants.
  • 6. Banking Relationship with Axis Bank
    • Existing customers with savings, fixed deposits, or loan accounts get priority consideration.
    • Pre-approved offers are often extended to long-term Axis Bank customers.
    • Familiarity with applicant’s financial behavior can ease documentation requirements.
  • 7. Debt-to-Income Ratio (DTI)
    • DTI should ideally be below 40% for better eligibility.
    • Applicants with high EMIs or multiple existing loans may face rejection.
    • Reducing outstanding liabilities before applying improves approval chances.
  • 8. Nationality and Legal Status
    • Applicants must be Indian citizens or NRIs with valid identity documents.
    • Applicants should not have any legal barriers like bankruptcy or financial disputes.
  • 9. Eligibility for Add-On Cards
    • Add-on cardholders must be at least 15 years old and related to the primary cardholder.
    • The add-on card shares the same credit limit as the primary card.
    • No separate income or credit score verification required for add-on applicants.
  • 10. Tips to Improve Eligibility
    • Maintain a high credit score with timely bill payments.
    • Ensure at least 3–6 months of steady income before applying.
    • Pay down existing debts to reduce DTI ratio.
    • Open a savings or FD account with Axis Bank to build a financial profile.
    • Check Axis Bank's pre-approved card offers via net banking or mobile app.
Check Best Gold Loan Offers

Documents Required for Axis Bank Platinum Credit Card

  • Identity Proof: Applicants must provide valid identity proof to confirm their identity and nationality. Accepted documents include:
    • Aadhaar Card (with masked number)
    • PAN Card (mandatory for tax and ID purposes)
    • Passport (valid and not expired)
    • Voter ID (issued by Election Commission of India)
    • Driver’s License (issued by RTO)
    Ensure the document includes a clear photograph, full name, and date of birth matching the application form.
  • Address Proof: A valid document showing the applicant's current residential address. The address must match the one provided in the application form. Accepted documents include:
    • Aadhaar Card
    • Passport
    • Driver’s License
    • Voter ID Card
    • Ration Card
    • Utility Bills (electricity, telephone, or gas – not older than 3 months)
    • Registered Rental Agreement
    • Recent Bank Statement
  • Income Proof: To assess financial capacity and creditworthiness. Required based on employment type:
    • Salaried Individuals:
      • Latest 3 Salary Slips
      • Form 16 (last financial year)
      • Bank Statements showing salary credits (last 3-6 months)
    • Self-Employed Individuals:
      • Latest 2 years’ Income Tax Returns (ITR)
      • Audited Financial Statements (P&L and balance sheet)
      • Bank Statements (last 6 months)
    • Others (freelancers, retirees):
      • Pension Statement
      • Investment Proof (FDs, mutual funds)
      • Rental Income Proof (lease agreement & credits)
  • PAN Card Copy: Mandatory for all applicants. It helps in tax identification and credit assessment. The name and number must match other submitted documents. In rare cases, Form 60 may be submitted if PAN is unavailable.
  • Age Proof: To verify the applicant is eligible (typically 18+ years). Accepted age proofs include:
    • Birth Certificate
    • School Leaving Certificate
    • Passport
    • Driver’s License
  • Photograph: Recent passport-size photographs (2-3) in color, with a plain background. Required for both offline and online applications.
  • Additional Documents for NRIs: NRIs need to provide:
    • Valid Visa or Work Permit
    • Overseas Address Proof (utility bill or bank statement)
    • Overseas Employment Proof (offer letter or salary slips)
    • NRE/NRO Bank Account Statement

Factors Affecting for Axis Bank Platinum Credit Card

  • Credit Score and History: A CIBIL score of 750+ is ideal. Timely repayments, low credit utilization (<30%), and fewer hard inquiries improve chances. Poor history or high utilization leads to rejection.
  • Income Stability: Annual income of ₹3–5 lakh is usually expected. Salaried individuals with regular paychecks are preferred. Self-employed applicants must show consistent income with ITRs or bank statements.
  • Debt-to-Income Ratio (DTI): A DTI below 40% indicates good financial health. High DTI suggests over-leveraging and increases rejection risk.
  • 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.
  • Loan and Liability Profile: High outstanding loans or missed EMI payments reduce eligibility. Secured loans are less concerning than unsecured ones.
  • Banking and Transaction History: Good savings balances, consistent transaction volume, and no bounced cheques enhance approval prospects.
  • Geographic Location: Urban applicants are more easily approved. Rural applicants may require stronger income documentation. NRIs in stable countries are favored.
  • Regulatory Compliance: PAN, Aadhaar, and valid KYC documents are mandatory. Legal issues or blacklist status lead to automatic rejection.
  • Market and Bank Policies: Economic slowdowns or changes in Axis Bank’s lending policies may affect approval. During promotions, criteria may be relaxed.
  • Tips to Improve Eligibility: Maintain high credit scores, reduce existing debt, stabilize income, limit credit inquiries, and build a relationship with Axis Bank.
  • Digital Footprint and Online Behavior: Active and responsible digital banking behavior, including timely payments of utility bills or mobile recharges via the bank’s app, reflects positively.
  • Frequency of Credit Card Usage: Regular usage of existing credit cards without default shows creditworthiness and improves chances of approval.
  • Existing Relationship with Other Banks: Strong credit history with other banks, reflected in positive CIBIL reports, supports approval even if new to Axis Bank.
  • Purpose of Credit Card Application: Clear and reasonable use case, such as travel, shopping, or business expenses, helps in risk assessment by the bank.
  • Co-Applicant or Joint Holder Details: Having a co-applicant with a good credit history and stable income can enhance approval chances.
  • Credit Card Utilization on Existing Cards: Low to moderate utilization on existing cards (preferably below 30%) indicates prudent credit management.
  • Repayment Patterns on Existing Loans and Cards: Consistently on-time payments and no history of defaults or delays boost confidence in the applicant.
  • Debt Restructuring or Settlements: Recent debt restructuring, loan settlements, or write-offs negatively impact creditworthiness and reduce chances.

Frequently Asked Questions (FAQs)

What is the Axis Bank Platinum Credit Card?
The Axis Bank Platinum Credit Card is an entry-level credit card offering cashback benefits, fuel surcharge waiver, and EMI conversion features for everyday spending.
Who is eligible to apply for the Axis Bank Platinum Credit Card?
Salaried or self-employed Indian residents between 18 and 70 years of age with a stable income can apply, subject to Axis Bank's credit policies.
What is the annual fee for the Axis Bank Platinum Credit Card?
The annual fee is usually ₹500, which may be waived based on spending thresholds. It’s best to check the latest fee structure with the bank.
What are the key benefits of the Axis Bank Platinum Credit Card?
Key benefits include 2 reward points per ₹200 spent, fuel surcharge waiver, EMI conversion on big purchases, and global acceptance.
How can I apply for the Axis Bank Platinum Credit Card?
You can apply online through the Axis Bank website, via mobile banking, or by visiting the nearest Axis Bank branch.
How long does it take to get the credit card after applying?
It typically takes 7–10 working days for the card to be delivered after approval.
Does the Axis Bank Platinum Credit Card offer cashback?
No direct cashback is offered; however, you earn reward points that can be redeemed for vouchers, products, and more.
Can I convert large purchases to EMIs on this card?
Yes, purchases above a certain limit can be converted into EMIs at attractive interest rates.
Is there a fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 across all fuel stations in India.
Are there any travel or airport lounge benefits?
No, the Platinum Card does not come with complimentary lounge access or extensive travel perks. Consider higher-tier cards for those benefits.
What is the interest rate on the Axis Bank Platinum Credit Card?
The monthly interest rate is typically around 3.40% (approx. 40.8% annually), but it may vary based on usage and payment history.
How do I check my reward points?
You can check your reward points via the Axis Mobile App, Internet Banking, or credit card statements.
What happens if I miss a payment?
A late payment fee and interest will be charged. Repeated missed payments can impact your credit score.
How do I redeem my reward points?
Points can be redeemed through the Axis eDGE Rewards platform for a variety of products, vouchers, and services.
Can I increase the credit limit on my card?
Yes, based on your spending and payment history, you may request a limit enhancement through Internet Banking or customer care.

List of Axis Bank Platinum Credit Card Branches in Andhra Pradesh

  • VISAKHAPATNAM
  • VIZIANAGARAM
  • VYYURU
  • WEST GODAVARI
  • Y.S.R.
  • Y.S.R. NTR
  • YELAMANCHILI
  • YEMMIGANUR
  • YENDADA
  • TANUKU
  • GUDIVADA
  • NARASARAOPET
  • TADEPALLIGUDEM
  • HINDUPUR
  • KADIRI
  • AMALAPURAM
  • MADANAPALLE
  • GUDUR
  • NARSIPATNAM
  • TADEPALLE