Best Axis Bank Credit Card 2024: Eligibility, Features & Benefits

Axis Bank offers a diverse range of credit cards, each tailored to suit different lifestyles and financial needs.

These credit cards come with a variety of features, including cashback rewards, travel benefits, dining privileges, fuel surcharge waivers, and exclusive discounts on shopping.

Cardholders can also benefit from the Axis Bank EDGE Rewards program, which allows them to earn reward points on their credit card transactions and redeem them for a wide range of gifts and vouchers.

Whether you’re a frequent traveler, a food enthusiast, a shopper, or someone seeking a basic credit card, Axis Bank has options to cater to your requirements.

The bank’s commitment to customer satisfaction, along with innovative card offerings, has made Axis credit cards a popular choice among Indian consumers.

Axis Bank Credit Card 2024

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Axis Bank Credit Card Active Users

Among the Best Axis Bank credit cards, the Axis Bank ACE Credit Card stands out as one of the most recognized cashback credit cards.

It offers unlimited cashbacks, dining privileges, fuel surcharge waivers, and complimentary lounge access.

While it has an annual fee of Rs. 499 from the second year onwards, this fee can be waived off with annual spendings above Rs. 2 lakh.

The card entitles users to cashbacks on mobile recharges, DTH payments, utility bills, as well as popular apps like Ola, Zomato, and Swiggy.

Additionally, it offers fuel surcharge waivers and access to domestic airport lounges, making it a well-rounded choice for modern consumers.

Axis  Credit CardChargesFeatures
Axis Bank Signature Credit Card with Lifestyle BenefitsRs.5,000Lifestyle
Axis Bank Vistara Infinite Credit CardRs.10,000Travel
Axis Bank Miles and More World Credit CardRs.3,500 + GSTTravel
Axis Bank NEO Credit CardRs.250Lifestyle
Axis Bank Prime Platinum Credit CardNILFuel
Axis Bank Titanium Smart Traveler Credit CardRs.250Travel
Axis Bank Insta Easy Credit CardNILLifestyle
Axis MY Zone Credit CardRs.500Shopping
Axis MY Wings Credit CardRs.1,200Travel
Flipkart Axis Bank Credit CardRs.500Shopping

Features & Benefits

Axis Bank stands out as a leading private sector bank offering a diverse range of over 11 credit card variants, each meticulously tailored to meet unique consumer needs.

These cards span multiple categories, encompassing travel, shopping, dining, and premium experiences, ensuring there’s a card for every lifestyle.

Axis Bank credit cards are synonymous with world-class privileges, granting cardholders access to unlimited discounts at various merchant outlets.

The cards come with enticing cashback options, elevated purchase limits, and over 500 rewards through the EDGE Loyalty program.

Cardholders can also relish discounts on dining, shopping, and e-commerce transactions, in addition to the allure of airline vouchers, VIP lounge access at airports, and the unique feature to design their own credit card using MyDesign.

For enhanced security, these credit cards are equipped with embedded EMV chips.

  • Pros

  • Cons

  • Wide range of credit card options to suit different needs.
  • Attractive rewards programs with cashback, discounts, and rewards points.
  • Access to exclusive dining and shopping offers.
  • Travel benefits, including lounge access and discounts on flights.
  • Contactless payment for convenience and security.
  • MyDesign feature for personalized card designs.
  • Competitive interest rates on EMI conversions.
  • Cashback and discounts on various categories.
  • Fuel surcharge waivers at select petrol pumps.
  • Enhanced security with embedded EMV chips.
  • Some cards may have annual fees.
  • High interest rates on outstanding balances if not paid on time.
  • Eligibility criteria and documentation requirements.
  • Limited benefits on certain cards.
  • Currency conversion fees on international transactions.
  • Overuse can lead to excessive debt and interest charges.
  • Potential impact on credit score if not managed responsibly.
  • Availability and benefits may vary based on the specific card type.

Eligibility Criteria

  • Eligibility criteria for Axis Bank credit cards vary by card type.
  • Typically, you should be at least 18 years old to apply.
  • You must be an Indian citizen or a non-resident Indian (NRI).
  • Employment status includes both salaried professionals and self-employed individuals.
  • The bank evaluates your creditworthiness, income, and credit history.
  • Meeting the minimum income requirement is essential.
  • Specific cards may have unique eligibility criteria.
  • Check the specific card’s eligibility requirements on the Axis Bank website.

Documents

  • Proof of Identity: You may need one of the following:
    • Passport
    • Aadhar Card
    • Voter ID
    • Driver’s License
    • PAN Card
  • Proof of Address: Any one of the following documents may be required:
    • Passport
    • Aadhar Card
    • Voter ID
    • Utility bills (electricity, water, gas, etc.)
    • Rent agreement
    • Bank account statement
  • Income Proof: This can include:
    • Salary slips (for salaried individuals)
    • Income tax returns or Form 16
    • Bank statements showing regular income (for self-employed individuals)
  • Passport-Size Photographs: Typically, two recent passport-size photographs are required.
  • Duly Filled Application Form: You’ll need to complete the application form provided by Axis Bank.

How to Apply Axis Bank Credit Card?

  • Visit the official Axis Bank website.
  • Click on the ‘Apply Credit Card’ option.
  • A new page will open, prompting you to confirm whether you are an existing Axis Bank customer. If you are, click ‘Yes’ and provide the required details, including your mobile number, customer ID, date of birth, or PAN.
  • Verify your eligibility and explore any applicable offers.
  • Complete the application for your chosen credit card and submit it.
  • If you are not an existing Axis Bank customer, select ‘No,’ and fill in your details, including your mobile number, PAN number, pin code, and net annual income.
  • Click ‘Next’ to proceed with the application.
  • An OTP (One-Time Password) will be sent to your registered mobile number.
  • Complete the verification process by entering the OTP.
  • Review and choose from any applicable offers available for the selected credit card.

Other Axis Bank Credit Cards

Axis Bank, a prominent financial institution in India, has a rich history that traces its roots to 1993.

Originally established as Unit Trust of India (UTI) Bank, it became Axis Bank in 2007.

The bank has consistently evolved to meet the changing financial landscape and customer needs.

Axis Bank innovative approach and customer-centric services have made it one of India’s leading private sector banks, offering a wide range of financial products, including savings and current accounts, loans, credit cards, and wealth management services.

With a vast network of branches and ATMs across the country, Axis Bank has played a pivotal role in the growth of India’s banking sector and has received recognition for its commitment to customer service and innovation.

Axis Credit Card FAQS

Which credit card of Axis Bank is best?

The best Axis Bank credit card for you depends on your individual needs and spending habits. Axis Bank offers a variety of cards, each with specific features and benefits. Consider factors like your lifestyle, preferred categories (e.g., travel, dining, shopping), and credit card usage to determine the best fit for you.

What is the minimum salary for an Axis credit card?

The minimum salary or income requirement for an Axis Bank credit card can vary based on the specific card type. Typically, income requirements start at around Rs. 3 lakhs per annum and can be higher for premium cards. Check the income eligibility criteria for the specific card you are interested in.

Is Axis Bank credit card good?

Axis Bank credit cards are generally well-regarded due to their diverse offerings and attractive features, including rewards programs, cashback options, travel benefits, and more. Whether an Axis Bank credit card is “good” depends on how well it aligns with your spending patterns and preferences.

Can I get an Axis Bank credit card without an account?

While having an account with Axis Bank may be beneficial, it is not always a strict requirement to apply for an Axis Bank credit card. However, having an account may facilitate the application process and account management.

Can I get a credit card without a salary?

Yes, it is possible to get a credit card without a traditional salary, especially if you are self-employed or have other sources of income. Credit card eligibility is not solely based on salary but considers various factors, including income from different sources.

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