Axis Bank Credit Cards

Axis Bank offers a range of credit cards with unlimited cashback & amazing discounts. From popular Flipkart Axis Bank Credit Card for shopping to other top options, there’s something for everyone.

Compare the best Axis Bank credit cards based on benefits like cashback, reward points, lounge access, and travel perks. Through online process, finding and applying for the right card is quick and easy. Axis Bank cards also offer flexible EMI conversion, fuel surcharge waivers, and secure contactless payments.

Explore here to apply for the best Axis Bank credit cards and their key features. With lifetime-free Axis Bank credit cards, you can manage your finances the smart way.

Table of Contents:

• ⇾ Best Axis Bank Credit Cards in India
• ⇾ Axis Bank Credit Card Eligibility
• ⇾ Different Types of Axis Bank Credit Cards In India
• ⇾ Select Credit Card
• ⇾ My Zone Credit Card
• ⇾ Insta Easy Credit Card
• ⇾ Ace Credit Card
• ⇾ Flipkart Axis Bank Credit Card
• ⇾ Axis Magnus
• ⇾ Axis Vistara Signature Credit Card
• ⇾ Documents Required to Apply for Axis Bank Credit Card
• ⇾ Axis Bank Credit Card Documents For Salaried
• ⇾ Axis Bank Credit Card Documents For Self-Employed
• ⇾ Axis Bank Credit Card Documents For Students
• ⇾ Axis Bank Credit Card Documents For NRIs
• ⇾ Features & Benefits of Axis Bank Credit Cards
• ⇾ Understanding Axis Bank Credit Card Features
• ⇾ Limitations of the Axis Bank Credit Card
• ⇾ Steps to Apply for Axis Bank Credit Card
• ⇾ Frequently Asked Questions

Best Axis Bank Credit Cards in India

Here is a list of the best Axis Bank Credit Cards available for Indian citizens and their respective categories.

Axis Bank Ace Credit Card

Known for its straightforward cashback feature, this card offers 2% cashback on most spends and up to 5% on partner platforms like Google Pay, making it ideal for daily expenses.

Benefits:
The Axis Bank Ace Credit Card offers high cashback rates, including 5% on Google Pay bill payments, 4% on Swiggy, Zomato, and Ola, and 1.5% on other spends. It also provides benefits like 4 complimentary airport lounge visits and a 1% fuel surcharge waiver, with no joining fee for a limited period.

Axis Bank Flipkart Credit Card

Next, for frequent Flipkart shoppers, this card provides up to 5% cashback on Flipkart and Myntra purchases, with additional cashback benefits for dining and travel.

Benefits:
The Axis Bank Neo Credit Card offers discounts of up to ₹120 on Zomato twice a month, 5% off on PayTM utility bill payments, and 10% off on BookMyShow and BlinkIt. It currently has no joining or annual fee, making it a budget-friendly option for dining, movies, and shopping.

Axis Bank My Zone Credit Card

With this card, you can earn discounts on movie tickets, dining, and weekend shopping, making it a good choice for those who enjoy entertainment and lifestyle perks.

Benefits:
The Axis Bank My Zone Credit Card offers a complimentary one-year Sony LIV Premium subscription, discounts of ₹120 on Swiggy twice a month, and four complimentary airport lounge visits per year. The card has a joining and annual fee of ₹500, making it a value-packed choice for dining, entertainment, and travel benefits.

Axis Bank Vistara Infinite Card

Made for travel-friendly finance support, this card offers complimentary business-class tickets with Vistara and access to airport lounges, making it valuable for frequent flyers.

Benefits:
The Axis Bank My Zone Credit Card offers a one-year Sony LIV Premium subscription, two monthly ₹120 Swiggy discounts, and four annual airport lounge visits—all for a ₹500 annual fee, making it ideal for dining, entertainment, and travel.

Axis Bank IndianOil Credit Card

For those who spend on fuel, this card provides accelerated rewards on fuel purchases at IndianOil outlets, along with a fuel surcharge waiver.

Benefits:
The Axis Bank My Zone Credit Card comes with a one-year subscription to Sony LIV Premium, two monthly discounts of ₹120 on Swiggy, and four annual airport lounge visits. All of this is available for an annual fee of ₹500, making it perfect for dining, entertainment, and travel.

Axis Bank Select Credit Card

Offering an array of lifestyle benefits, this card provides rewards for international spending, complimentary lounge access, and special privileges on hotel bookings.

Benefits:
The Select Credit Card offers benefits like 10,000 EDGE reward points on joining, equivalent to ₹2,000, and discounts of ₹200 on Swiggy and ₹500 on BigBasket. It has a ₹3,000 joining fee (waived for Burgundy customers) and an annual fee that’s waived if spending exceeds ₹6,00,000 annually. The card is designed for shopping and dining perks.

Axis Bank Privilege Credit Card

Ideal for shopping and dining enthusiasts, this card offers cashback on transactions, lounge access, and rewards points on both domestic and international spending.

Benefits:
Privilege Credit Card offers 12,500 EDGE Rewards on activation (worth ₹2,500) and additional 10,000 rewards for spending ₹2.5 lakh. It has a ₹1,500 joining fee (waived for Priority Banking customers) and a ₹1,500 annual fee.

Axis Bank Burgundy Private Card

A premium card for high-net-worth individuals, it provides exclusive travel, golf, and lifestyle benefits, including concierge services and unlimited lounge access​

Benefits:
Private Credit Card is designed for Burgundy Private clients, offering exclusive lifestyle, travel, and dining privileges. It includes complimentary lounge access, 24/7 concierge services, and higher EDGE reward points on transactions.

Axis Bank Credit Card Eligibility

General Eligibility Criteria:

• Age: Primary cardholders should be between 18 and 70 years old.
• Residency: Applicant should be a resident of India.
• Income: The minimum annual income requirement varies based on the specific card, but generally ranges from INR 3 lakhs to INR 6 lakhs.
• Credit History: A good credit score is essential for approval.

Specific Card Requirements:

While the general criteria are similar, there might be additional requirements for certain cards, such as:

• Occupation: Some cards may have specific occupation requirements, like being a salaried employee or self-employed.
• Existing Relationships: You might be eligible for certain cards if you have existing relationships with Axis Bank, such as being an existing customer or having an Axis Bank deposit.
Note: Eligibility criteria can change, so it's always recommended to check the latest information on Axis Bank's official website or contact their customer service for the most accurate details.

Different Types of Axis Bank Credit Cards In India

Axis Bank offers a variety of credit cards, that come along with a range of benefits and help categories based on the needs and the lifestyle choices.

Select Credit Card

• Lifetime free: No annual fees for the lifetime of the card.
• Eligibility: Available to both resident and non-resident Indians aged 18-70.
• Benefits: Typically offers cashback or reward points on purchases, along with other perks like complimentary lounge access or fuel surcharge waivers.

My Zone Credit Card

• Lifetime free: No annual fees for the lifetime of the card.
• Eligibility: Available to both resident and non-resident Indians aged 18-70.
• Benefits: Often designed with specific benefits for young adults or students, such as discounts on online shopping, travel, or entertainment.

Insta Easy Credit Card

• Lifetime free: No annual fees for the lifetime of the card.
• Eligibility: Available to both resident and non-resident Indians aged 18-70.
• Benefits: A simple card with basic features like cashback or reward points.

Ace Credit Card

• Annual fee: Yes, it is Applicable, but the amount may vary.
• Benefits: As Follows,
• 5% cashback on bill payments.
• Four complimentary lounge visits per year.
• Other perks like fuel surcharge waivers or reward points.

Flipkart Axis Bank Credit Card

• Annual fee: Waived for annual spending over Rs. 3,50,000.
• Benefits:
• Discounts and offers on Flipkart and other partner platforms.
• Reward points that can be redeemed for Flipkart vouchers or other merchandise.

Axis Magnus

• Annual fee: Applicable, but the amount may vary.
• Benefits: A premium card that offers significant value back to cardholders. Benefits often include:
• High reward points earning rates.
• Complimentary airport lounge access.
• Travel insurance.
• Golf course access.

Axis Vistara Signature Credit Card

• Annual fee: Applicable, but the amount may vary.
• Benefits: A premium card designed for frequent flyers with Vistara. Benefits often include:
• Complimentary Vistara flights.
• Lounge access at Vistara lounges and partner lounges.
• Priority check-in and baggage handling.
• Reward points that can be redeemed for Vistara flights or upgrades.

Documents Required to Apply for Axis Bank Credit Card

Here is the detailed list of documents required for a credit card application, whether you are a resident salaried individual, resident self-employed individual, student, or a non-resident Indian.

Axis Bank Credit Card Documents For Salaried

Identity proof: Photocopies of Aadhaar Card, PAN Card, driving licence, voter ID card, or passport.

Address proof: Photocopies of electricity bill, ration card, passport, driving licence, telephone bill, last two months' bank statement, or voter ID. The address on the ID must match the one entered in the application.

Here are the required documents for supporting a Credit Card application in point form:

Proof of Income: Provide documents like the latest payslip, Form 16, or income tax return (ITR) documents.

Proof of Age: Submit one of the following:

• Tenth-standard school certificate
• Birth certificate
• Passport
• Voter ID card

-PAN Card: A photocopy of your PAN card is mandatory.

-Form 60: You may be required to fill out Form 60 if you don't have a PAN card.

-Original Documents: Banks may request the originals of these documents for verification purposes.

Axis Bank Credit Card Documents For Self-Employed

• Identity proof: Aadhaar card, PAN card, driving licence, voter ID card, or passport
• Address proof: Electricity bill, ration card, passport, driving licence, telephone bill, last two months' bank statement, or voter ID
• Income proof: Income tax returns with a computation of income or certified financial documents, along with your PAN card
• Age proof: Tenth-standard school certificate, birth certificate, passport, or voter ID card

Axis Bank Credit Card Documents For Students

• Identity proof: Aadhaar card, PAN card, driver's licence, voter ID card, or passport
• Address proof: Ration card, passport, driving licence, telephone bill, or voter ID
• Age proof: Tenth-standard school certificate, birth certificate, passport, or voter ID card
• Enrolment proof: College identity card, admission slip, or study certificate

Axis Bank Credit Card Documents For NRIs

• Identity proof: Passport or driving licence
• Proof of address: Passport, voter ID card, driving licence, lease/rent agreement, utility bills, bank account statement, or title deeds of property
• Proof of income: Passport, driver's licence, lease/rent agreement, utility bills, overseas bank statement, government-issued ID card, Credit Card statements, company appointment letter, or company ID card

Benefits of Axis Bank Credit Cards

• Points, discounts, cashback, or miles: Many credit cards offer rewards programs that allow you to earn points, discounts, cashback, or miles on your purchases. These rewards can be redeemed for various benefits, such as gift vouchers, travel, merchandise, or statement credits. For example, the Axis Bank Privilege Credit Card offers 10 points for every Rs. 200 spent.
• Complimentary Airport Lounge Access: Enjoy comfortable and exclusive amenities at airport lounges.
• Travel Insurance: Get coverage for various travel-related risks, such as trip cancellation, medical emergencies, or lost luggage.
• Hotel Upgrades: Enjoy upgraded accommodations at participating hotels.
• Reduced Fuel Costs: Some cards offer a waiver on the fuel surcharge levied at petrol pumps, saving you money on your fuel expenses. For example, the Axis Bank Titanium Credit Card offers a 1% waiver on fuel surcharge for transactions between Rs. 400 and Rs. 4,000.
• Global Support: Many credit cards come with emergency assistance services that provide support in case of lost or stolen cards, medical emergencies, or other unforeseen circumstances. The Visa International Global Card Assistance Service provides emergency cash advances and replacement cards.
• Flexible repayment options: Convert large credit card transactions into monthly instalments (EMIs) to manage your spending and avoid interest charges.
• Personalized Credit: Choose a credit limit that suits your spending habits and financial needs.
• Interest-free Period: Enjoy a grace period, typically up to 50 days, during which you can make purchases without incurring interest.
• Access to Cash: Withdraw cash from ATMs using your credit card. However, cash withdrawals typically attract interest from the date of withdrawal.

Understanding Axis Bank Credit Card Features

Understanding the functionality of an Axis Bank Credit Card is essential to fully utilizing its benefits. Here’s a breakdown of how it works:

• Axis Bank Credit Limit: Each Axis Bank Credit Card has a predetermined credit limit, which is the maximum amount you can spend based on your eligibility.
• Interest Rates: By paying your bill in full each month, you can avoid interest charges. However, if you carry a balance, interest is applied at the specified rate for your card.
• EMI Conversion: Axis Bank allows you to convert large transactions into easy monthly installments (EMIs), helping you manage bigger expenses more conveniently.
• Reward Points & Cashback: Depending on the card, you earn rewards or cashback on categories like shopping, travel, dining, and fuel. These points can be redeemed for vouchers, discounts, or other perks.
• Contactless Payments: Axis Bank cards support tap-and-pay technology, enabling secure, fast, and easy transactions without inserting or swiping the card.
• Balance Transfer: Axis Bank Credit Cards allow you to transfer the outstanding balance from other cards, offering lower interest rates and helping you manage debt efficiently.
• Cash Withdrawals: You can withdraw cash from ATMs using your credit card, though interest rates and fees apply immediately on these transactions.
• Insurance Benefits: Axis Bank Credit Cards come with added insurance features, covering card fraud, purchase protection, and even travel insurance for certain cards.
• Utility Bill Payments: You can easily pay utility bills through the Axis Bank Credit Card portal or app, with options like auto-pay to simplify recurring payments.

Limitations of the Axis Bank Credit Card

Here are the key limitations of Axis Bank Credit Cards:

1. High Interest Rates: If you carry a balance, Axis Bank credit cards may charge interest rates ranging from 2.5% to 3.6% per month, which can add up quickly.
2. Cash Withdrawal Fees: Withdrawing cash from ATMs using an Axis Bank credit card incurs high fees and interest, starting from the date of withdrawal.
3. Annual Fees: Some Axis Bank credit cards have high annual fees, especially for premium cards, which may offset the rewards unless you spend enough to justify the cost.
4. Reward Redemption Restrictions: Reward points may have an expiration date and limited redemption options, restricting how and when you can use them.
5. Eligibility Criteria: Axis Bank cards may have strict eligibility requirements, such as high minimum income levels, which can make them inaccessible to some individuals.
6. Late Payment Penalties: Delaying credit card bill payments can result in hefty late fees and interest, along with a negative impact on your credit score.
7. Limited Lounge Access: While some Axis Bank cards offer complimentary lounge access, it’s often limited to a specific number of visits per year, with additional visits charged.

Steps to Apply for Axis Bank Credit Card

Here's a step-by-step guide on how to apply for an Axis Bank Credit Card:

1. Check Eligibility: Ensure you meet the basic eligibility criteria such as age (18–70 years), minimum income requirement (varies by card), and a good credit score (typically 700+).
   - Both salaried and self-employed individuals can apply, depending on the card type.
2. Choose the Right Card Choose a card based on your needs, such as rewards, travel benefits, cashback, or lifestyle perks.
3. Gather Required Documents: Submit the required documents.
4. Apply Online or Offline
   • Online Application:

   - Go to the official Axis Bank website and select your preferred credit card.

   - Fill in the online application form with personal, financial, and employment details.

   - Upload the necessary documents and submit the form.

   • Offline Application:

   - Visit an Axis Bank branch and request a credit card application form.

   - Submit the completed form along with the required documents in person.

5. Verification Process

   - Axis Bank will verify your submitted documents and assess your credit score.

   - You may receive a call from the bank for additional details or confirmation.

6. Approval and Dispatch

   - If approved, you will be notified via SMS or email.

   - The credit card will be dispatched to your registered address, usually within 7-10 business days.

7. Activate Your Card

   - Once you receive the card, follow the activation instructions provided by the bank (via SMS or website).

   - Set your PIN and start using your Axis Bank Credit Card.