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If you're searching for what is going to happen to your credit cards post the RBI's decision of giving a 3-month moratorium period for all retail borrowers in its monetary policy meet held on March 24-27, 2020, let's be told that it's going to cover you too. But, in your best interest, it is advisable to pay your bills on or before the due date as the interest will be accrued for three months and get combined together to form a tall amount at the end of the moratorium period. So, if you get your salary during this phase, look to pay off your bills. The moratorium, which was ending on May 31, 2020, has been extended till August 31, 2020.
Table of Contents
- 1 Why Choose Axis Bank Credit Card?
- 2 List of Axis Bank Credit Cards in India 2020
- 3 Axis Bank Credit Card Eligibility
- 4 Axis Bank Credit Card Documentation
- 5 How to Apply for Axis Bank Credit Card at Wishfin?
- 6 How to Apply on Axis Bank Website?
- 6.1 What are the Steps to Apply for Axis Bank Credit Card at Bank Branch?
- 6.2 How Can You Know Your Axis Bank Credit Card Application Status?
- 6.3 How Can I Know My Credit Card Limit?
- 6.4 How to Make Axis Bank Credit Card Payment Online?
- 6.5 Axis Bank Credit Card Customer Care Number
- 6.6 How Can You Get Your Axis Bank Credit Card Statement?
- 6.7 Keep an Eye on the Emerging Offers
Why Choose Axis Bank Credit Card?
Axis Bank credit cards come with cashback options, reward points, higher credit limits, discounts on dining, shopping and e-commerce transactions, exclusive airline vouchers, and much more. The 10X reward points on weekend spends, subscription to airline membership programs and a premium economy class air ticket offer suit many wanting to lead a luxurious lifestyle.
What’s also worthwhile is the variety of cards that Axis Bank offers to go in sync with the needs and aspirations of different customers. If it has shopping cards on one hand, there are also travel cards at the same time to please the travelers around. Cards such as Signature Credit Card with Lifestyle benefits, Miles & More Credit Card, Magnus Credit Card, My Wings Credit Card, My Business Credit Card, Titanium Smart Traveller Credit Card, Platinum Credit Card, Insta Easy Credit Card are also up for grabs. Want to know the benefits of these cards? Take a look below and find the one that resonates with your desire.
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List of Axis Bank Credit Cards in India 2020
Axis Bank Credit Cards come with a host of rewards, discounts and other privileges that can capture your imagination. Let’s find all those in the below table.
| Types of Axis Bank Credit Card | Fees & Charges | Rewards, Cashback & Other Offers |
|---|---|---|
| Flipkart Axis Bank Credit Card | Joining Fee- ₹500 Annual Fee- ₹500 from 2nd year onward | Joining and activation benefits of worth INR 3,300 5% Cashback on every transaction on Flipkart, Myntra & 2GUD 4% Cashback on every transaction on preferred merchants 1.5% Cashback on all other categories 4 Complimentary lounge visits to select domestic airports per year Axis Bank Dining Delights offers you to have 20% off on dining at partner restaurants |
| Axis Bank Magnus Card | Joining Fee- ₹10,000 Annual Fee- ₹10,000 from 2nd year onward which can be waived off by spending ₹15 lakhs in the prior year | Enjoy a 25% discount at 250+fine dine restaurants across India through Dineout Plus Membership Get upto ₹500 off on the second ticket on buying any ticket from BookMyShow 12 Axis eDGE Reward Points on every ₹200 you spend 2 Axis eDGE Reward Points on purchases at MakeMyTrip, Yatra, Goibibo, and more Unlimited Lounge Access to Domestic Airport Enjoy 8 complimentary end-to-end VIP services at the airport |
| Axis Bank Freecharge Credit Card | Joining Fee- ₹250 Annual Fee- ₹250 from 2nd year onward | On spending ₹2,000 to ₹4,999 in a month, you get 100 eDGE Reward Points On spending above ₹5,000 in a month, you get a total of 350 eDGE Reward Points You can redeem more than 500 option with 1 eDGE Reward Point |
| Axis Bank My Zone Credit Card | Joining Fee- ₹500 Waived on spends of ₹5000 in 45 days Annual Fee- NIL for First Year, ₹500 from 2ndYear | For every ₹200 spent get 4-40 points through credit card 100 points on the first online transaction 10x points on weekend dining(only on the selected category of merchants registered) 5x points on weekend shopping(only on the selected category of merchants registered) Exciting offers on movie ticket bookings, dining, shopping, etc |
| Axis Bank Neo Credit Card | Joining Fee- ₹250 Waived on a spend of ₹2500 in 45 days Annual Fee- NIL in First-Year ₹250 from second year onward | BookMyShow vouchers worth ₹ 200 Shop at Jabong with a gift voucher worth ₹ 500 10% off on every cashback on movie tickets, mobile recharges and online shopping |
| Axis Bank Vistara Credit Card | Joining Fee- ₹1,500 Annual Fee- ₹1,500 from second year onward | Complimentary Economy Ticket as a Joining Welcome gift Get privileges of Complimentary Club Vistara Membership Earn 2 CV points on spending every ₹200 Air Accident Cover of upto ₹2.5 crore On achieving the milestone spends, get bonus CV points and 2 complimentary Economy tickets |
| Axis Bank Vistara Signature Credit Card | Joining Fee- ₹3,000 Annual Fee- ₹3,000 | A welcome gift of the complimentary premium economy class air ticket. This facility is also available on the renewal of the card each year. Avail exclusive Club Vistara Silver Membership privileges like priority check-in as well as additional baggage allowance 4 CV points to grab on every spend of ₹200. 1 premium economy class ticket on a spend of ₹1.50 lakh-4.50 lakhs a year. Avail 3,000 bonus reward points on spending ₹75,000 in a year. Enjoy complimentary lounge access at select airports within India Axis Bank Dining Delights to let you save 15% on dining at partner restaurants Extraordinary Weekends program to let you enjoy different roles from a chef at a restaurant to relaxing in the yacht |
| Axis Bank Vistara Infinite Credit Card | Joining Fee- ₹10,000 Annual Fee- ₹10,000 | A welcome gift of the complimentary business class air ticket. This facility is also available on the renewal of the card each year 6 CV points to grab on every spend of ₹200. Exclusive privileges like priority check-in, priority boarding, complimentary lounge access, and much more with Complimentary Club Vistara Membership On achieving the milestone spends, get bonus CV points and 3 complimentary Business Class tickets |
| Axis Bank Privilege Credit Card | Joining Fee- ₹1500, NIL for Priority Customers Annual Fee- ₹1500 from 2nd year onward | Yatra voucher worth ₹ 5000 for swiping the card thrice within 60 days (2 months) of receiving the same On a spend of 2.5 lakhs, Yatra vouchers worth ₹5,000 would come your way 10 points on every ₹ 200 spent on the credit card domestically/internationally |
| Axis Bank Miles and More World Credit Card | Joining Fee- ₹3,500 Annual Fee- ₹4,500 | You can earn 5000 miles as a welcome bonus through Miles & More Credit Card. Enjoy 3,000 annual bonus miles Every 200 eligible spend to greet you with 4 miles Every 200 eligible spends on movie bookings to fetch 20 miles Provision to use it as per your convenience, without worrying about time constraints i.e. about its expiry Facility to pay your Axis Bank Credit Card bills from any other bank account It is easy to avail of a home loan with this card. You can save up a lot of money using this card when you buy a house or invest in a property |
| Axis Bank Reserve Credit Card | Joining Fee- ₹30,000 Annual Fee- ₹30,000 | Complimentary TataCLIQ vouchers worth of ₹10,000 as a Welcome Benefit Exclusive Membership to Club Marriott with discount and offers on stay, dining, etc Get unlimited complimentary airport lounge access across the world Get Club Vistara Gold Membership Get complimentary 30,000 eDGE Reward Points Get 50% cashback on all movie tickets booked on BookMyShow for the whole year Earn 10 eDGE reward points on every ₹200 spend |
| Axis Bank Select Credit Card | Joining Fee- ₹3,000 (Nil for Burgandy) Annual Fee- ₹3,000 (Nil for Burgandy) | Get 5000 Axis eDGE Reward Points as soon as make your first transaction Get the handcrafted Club Marriott Membership on spending ₹30,000 within the first three months Earn 10 eDGE reward points on every ₹200 spend Earn 2X per ₹200 on every retail spends Get 6 complimentary golf Rounds per year 20% off at partner restaurants in India |
| Axis Bank Pride Platinum Credit Card | Joining Fee- Nil Annual Fee- Nil, ₹250 from the second year onwards | Get a minimum 15% off at partner restaurants by Axis Bank Dining Delights program Get 1% fuel surcharge waiver on all fuel transactions across India Free Add-on cards for your family members |
| Axis Bank Pride Signature Credit Card | Joining Fee- Nil Annual Fee- Nil, ₹500 from the second year onwards | Get 2 complimentary domestic airport lounge visits per quarter Enjoy 15% off at partnered restaurants with Axis Bank Dining Delights 1% Fuel surcharge waiver on all fuel transactions across India Earn eDGE Loyalty Reward Points on your every transaction |
| Axis Bank Insta Easy Credit Card | Joining Fee- ₹500 The fee gets reversed on a spend of ₹5,000 within the first 45 days of the card issue date | On every domestic spend of ₹200 made through your credit card you can earn 6 reward point On every international spend of ₹200 made through your credit card, you can earn 12 reward points Spend your accumulated reward points on more than 500 reward items through the rewards catalog |
| Axis Bank My Choice Credit Card | Joining Fee- ₹250 Annual Fee- NIL in First Year ₹250 in Second Year Onward | Provision to pick any two from Dining, Fuel, Electronics, Utility bills, Travel and Supermarkets and avail a 5% cashback on them Facility to earn 4 points for every ₹200 that you spend. A straight 100 points can be earned on your first online transaction Get complete protection from all kinds of fraud with EMV certified chip credit card |
| Axis Bank Platinum credit card | Joining Fee-₹500 (Get waived on a spend of 5,000 within 45 days of the set-up date of the card Annual Fee- NIL in First Year From Second Year-₹200 Waived on a Spend of ₹1,00,000 in the previous year | Avail added security and consumer protection with the EMV certified chip Provision to get a 25% cashback on both online and box office movie ticket Zero liability on the lost card |
| Axis Bank Titanium Smart Traveller Credit Card | Joining Fee- ₹250 (Can get waived on a spend of ₹2,500 within 45 days Annual Fee- ₹100, Waived on a Spend of ₹50,000 in the previous year | Earn 8 eDGE loyalty points for every ₹200 you spend while traveling abroad For every ₹200 you spend on booking hotels, buses, flights etc, you can earn 4 EDGE loyalty points Avail 1% fuel surcharge waiver on all fuel transactions |
| Axis Bank Buzz Credit Card | Joining Fee- ₹750 Annual Fee- Nil, ₹750 from the second year onwards | On making 3 purchases within 45 days of card issuance, you get gift vouchers worth of ₹1000 from Flipkart Get a 10% instant discount on Flipkart on 1-5th of each month Get a 5% instant discount on Flipkart on 6-31st of each month On spending every ₹200, get 2 Axis eDGE Reward Points Get 3x Axis eDGE Reward Points on Online Shopping On making spends of ₹1,00,000 on Flipkart, you get vouchers of worth ₹2,500 |
| Axis Bank My Wings Credit Card | Joining Fee- ₹1,200 Annual Fee- NIL in First Year, ₹500 from 2nd Year Onward | 2 complimentary flight tickets Enjoy 20% cashback on flight tickets, with a maximum of ₹500 per ticket Hotels and holiday vouchers worth ₹10,000 100 points on the first online transaction |
Note – A standard 18% GST would be levied on annual and joining fees of the credit cards.
Axis Bank Credit Card Eligibility
You can check the eligibility criteria below.
- If you are a Primary Cardholder, then you should be within the age limit of 18 to 70 years.
- The applicant should be an Indian resident.
- Add-on cardholders must be more than 15 years old
Axis Bank Credit Card Documentation
Don’t forget to submit the following documents to validate your identity, address, income, etc.
- 1 passport size photograph
- Original PAN Card and its photocopy.
- Form 16, Last 6 months salary slips or Income Tax Return copy as Income Proof
- Passport, Ration Card, Electricity Bill or Landline Telephone bill as Residence Proof
How to Apply for Axis Bank Credit Card at Wishfin?
So you have picked out one from the long list of credit cards. The next thing you need to do is to apply at Wishfin, an online loan and credit card comparison platform that displays the offers of different lenders such as Axis Bank. As soon as you apply, the executives here will help you at each stage from application to post-approval. They would keep you updated and help you choose the right option. Unlike when you visit the branch and wait for the concerned official to take your case forward, the online option allows you to apply anytime, anywhere from the convenience of home or office. So, do apply at Wishfin and get the card you want.
How to Apply on Axis Bank Website?
You can apply on the Axis Bank website following the steps shown below.
- Log on to Axis Bank website
- Go to ‘Explore Products’
- Click on ‘Credit Cards’
- Click on ‘Apply Now‘ against the credit card you want to apply for
- Mention the personal and professional details correctly
- Click on the tick box authorizing Axis Bank representatives to call or text an SMS to you with reference to the credit card application
- The bank would contact you for further details and process your application further
What are the Steps to Apply for Axis Bank Credit Card at Bank Branch?
- Visit the nearest Axis Bank branch
- Ask the concerned official to give you the Credit Card Application form
- Fill the details properly besides ticking on the particular Axis Bank Credit Card you want
- Submit the form along with relevant documents to the official
The bank will approve application only when the details submitted are matched with the corresponding documents.
How Can You Know Your Axis Bank Credit Card Application Status?
It is also important to check the credit card application status. To know the same, you can go online to check whether your application is approved, delayed or rejected. Also, you can contact the customer care number and the branch, wherein you would have applied for the credit card, to know the current status. If there are discrepancies in your application, make sure to fix those and apply again for approval. As soon as your application is approved, you would be issued a credit card.
How Can I Know My Credit Card Limit?
You can be intimated of your Axis Bank credit card limit at the time of card issuance. The credit limit would, however, depend on your income, credit score and repayment potential. Greater the CIBIL score, higher are the chances of getting the approval for a credit card. The scores range from 300-900, depending on the pattern of your loan or card repayment routine. A timely repayment with no record of default can help you score 750 and above to get the approval.
How to Make Axis Bank Credit Card Payment Online?
Make the payment on or before the due date to avoid late payment charges. With online, you can do away with the hassles of visiting the branch to deposit cash or cheque to pay the bills. You can subscribe to the Internet Banking of Axis Bank and set an ‘Auto Pay’ to get your outstanding dues paid automatically. The bank will send an SMS alert on your mobile before the bill generates. You can also use the Internet Banking of other banks to do the same. Besides, you can pay the dues by taking the route of payment gateway.
Axis Bank Credit Card Customer Care Number
Do feel free to raise your query or complaints regarding Axis Bank Credit Cards by calling the 24×7 toll-free customer care number-1800-419-5959. The customer care executives will give prompt and appropriate responses to your queries and try to resolve them ASAP.
How Can You Get Your Axis Bank Credit Card Statement?
You may not be paying much attention to the statement that the bank issues on a month-on-month basis. If that is the case, then do change your habits and check your statement thoroughly. There can be a few wrong entries to the bill. On checking the statement, you can find that and bring it to the notice of the bank to rectify the discrepancy.
The statement, as a whole, gives you a detail of the shopping made in a particular billing cycle. It also shows the total due, the due date, the minimum due, etc. The minimum due is calculated at 5% of the total outstanding balance in a particular billing cycle.
Keep an Eye on the Emerging Offers
Every time a big festival comes, credit card companies invariably launch some exciting offers to woo the shoppers. On top of that, there can be limited period offers all throughout the year. These offers can be cashback or discounts to double your celebration. So, grab these offers with both hands and save on on your shopping
