Axis Bank credit cards offer many benefits and rewards. They are perfect for shopping, fuel, rewards, lifestyle, and insurance. These cards help save money with cashback and discounts, especially for those who shop a lot.
Using Axis Bank credit cards wisely can improve your credit score. This is because paying bills on time avoids late fees. Plus, many cards come with insurance, like travel and purchase protection. The offers, including cashback and discounts, make these cards very popular.
Key Takeaways
- Axis Bank credit cards offer a range of benefits, rewards, and options to suit different customer needs.
- Regular and responsible use of Axis Bank credit cards can enhance creditworthiness, contributing positively to the credit score.
- Axis Bank credit cards provide significant savings through cashback and discounts on various transactions.
- Many Axis Bank credit cards come with various insurance coverage options, adding layers of protection.
- Axis Bank credit card offers, including cashback, discounts, and complimentary lounge access, make them a popular choice among customers.
- Axis Bank credit cards are designed to suit different customer needs, including shopping, fuel, rewards, lifestyle, and insurance.
- Axis Bank credit cards can help customers achieve significant savings and rewards, with total annual savings exceeding Rs. 27,600.
Understanding Axis Bank Credit Card Portfolio
Axis Bank offers a wide range of credit cards, including the Axis Bank Neo Credit Card, Axis Bank My Zone Credit Card, and Axis Bank Select Credit Card. Each card has its unique features and benefits.
The Axis Bank portfolio includes lifestyle, travel, and rewards cards. Each type offers different perks, such as cashback, rewards, and lifestyle benefits, making it easy to pick the right card for your needs.
Key Features Overview
Axis Bank credit cards offer rewards, cashback, and lifestyle perks. For instance, the Axis MyZone Credit Card gives up to 4–40 reward points for dining and 10X points on weekends.
Card Categories and Their Target Users
Axis Bank’s credit cards are made for different people. There are cards for frequent flyers, online shoppers, and those with unique lifestyle needs. The cards are sorted by features and benefits, helping you find the perfect match.
Axis Bank credit cards offer great benefits, such as free airport lounge access, no fuel surcharge, and reward points on daily purchases. With so many options, you can find a card that adds value to your lifestyle and spending.
Credit Cards of Axis Bank: Application Process
To get an Axis Bank credit card, you must provide certain documents. These include your PAN Card, proof of income, and information about where you live. The Axis Bank credit card application also examines your age, income, debt, credit score, and job stability.
The documents you need are:
- Age and residential proof (PAN card, Aadhaar card, Passport, Driver’s license)
- Income proof (Salary slips or Income Tax Returns)
Keeping a good debt-to-income ratio is key. Avoid too many hard inquiries for new cards. It’s also wise to check your credit score often. This helps you manage your credit card well by paying bills on time and not using too much credit. For more info on how to apply for an Axis Bank credit card, check the Axis Bank website or call their customer service.
The online application for Axis Bank credit cards usually takes 7 to 15 days. A better credit score can speed up the process. But a lower score might slow it down.
| Document | Description |
|---|---|
| Identity Proof | PAN card, Aadhaar card, Passport, Driver’s license |
| Residence Proof | Electricity/telephone bill, Ration card |
| Income Proof | Salary slips, Income Tax Returns |
Eligibility Requirements for Different Axis Bank Cards
You need to meet specific criteria to get an Axis Bank credit card. This includes being of a certain age, having a minimum income, and a good credit score. The requirements differ based on the type of card you want.
The age range for applying is 18 to 70 years. Your income and credit score also matter. For example, some cards need a higher income than others.
Income Criteria
Axis Bank considers your income when deciding whether you can get a card. You must have a steady job or be self-employed and provide proof of income. This could be recent pay slips or bank statements for employees or tax returns and financial statements for the self-employed.
Documentation Required
To apply, you’ll need to provide some documents. These include proof of who you are, where you live, and how much you earn. The bank also checks your credit history and how much debt you have compared to your income.
Credit Score Requirements
A high credit score—above 750 — is key for getting an Axis Bank card. The bank also considers your credit history and other factors.
If you already bank with Axis, you might easily get a card. But, everyone must meet the criteria to be approved.
| Eligibility Criteria | Requirements |
|---|---|
| Age | 18-70 years |
| Income | Stable income source, minimum salary requirement applicable |
| Credit Score | Above 750 preferred |
Axis Bank Credit Card Reward System
The Axis Bank Credit Card Rewards Program is designed to give cardholders a rewarding experience. With the reward system of Axis Bank Credit Cards, cardholders earn points on every transaction. These points can be redeemed for various benefits.
Some of the key features of the reward system include:
- Earning unlimited 2 EDGE REWARD points for every Rs. 125 spent
- 10X EDGE REWARD points on every Rs. 125 spent at apparel and departmental stores
- Accelerated points for spending up to Rs. 7,000 per month on selected categories
- 1,500 EDGE REWARD points earned on net spends of Rs. 30,000 per statement cycle
The Axis Bank credit card rewards can be redeemed for various benefits. This includes cashback, travel benefits, and lifestyle benefits. The reward system of Axis Bank credit cards is designed to provide cardholders with a flexible and rewarding experience.
Overall, the Axis Bank credit card rewards program is a great way for cardholders to earn rewards. They can redeem these rewards for benefits that suit their lifestyle. With the reward system of Axis Bank credit cards, cardholders can maximize their benefits and enjoy a rewarding experience.
| Reward Type | Reward Details |
|---|---|
| Cashback | Up to 5% cash back on select categories |
| Travel Benefits | 2 complimentary lounge accesses per quarter at choose domestic airports |
| Lifestyle Benefits | Up to 15% off at partner restaurants through the Dining Delights program |
Comprehensive Guide to Neo Credit Card Benefits
The Axis Bank Neo Credit Card comes with many perks. You get discounts on utility bills, Zomato Pro membership, and Blinkit savings. Cardholders can enjoy 40% off Zomato food delivery, 5% off utility bills via Paytm, and 10% off on Blinkit orders.
Some of the key axis bank neo credit card benefits include:
- ₹150 off on Myntra for minimum spend of ₹999 on selected styles
- 10% off on movie ticket purchases on BookMyShow, maximum benefits capped at ₹100 monthly
- Axis Bank Dining Delights offers up to 15% discount at partner restaurants
The Axis Neo Credit Card also has an EMV-certified chip and PIN system. This adds an extra layer of security against fraud. You earn 1 EDGE REWARD point for every ₹200 spent. Plus, get 100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance.
The Axis Bank Neo Credit Card is packed with benefits and rewards. It’s perfect for those seeking a credit card with exclusive offers and discounts. With these offers, cardholders can save a lot and earn rewards on their daily purchases.
| Benefit | Details |
|---|---|
| Discount on Zomato | 40% off on food delivery, maximum discount ₹120 per order |
| Discount on utility bill payments | 5% off via Paytm, maximum discount ₹150 per month |
| Discount on Blinkist | 10% off, maximum discount ₹250 per month |
Premium Credit Card Options from Axis Bank
Axis Bank offers a variety of premium credit cards for those who spend a lot. These cards come with luxurious perks and rewards and are perfect for those who want exclusivity and convenience.
You get incredible benefits with the Axis Bank Select Credit Card and the Axis Bank Vistara Signature Credit Card. Enjoy unlimited lounge access, travel insurance, and unique rewards.
Some key features of these cards include:
- Unlimited lounge access at home and abroad
- Exclusive rewards and benefits for travel, dining, and entertainment
- Free golf rounds and airport concierge services
- High reward points for spending on retail and travel
Axis Bank’s premium cards offer a unique experience. They give you special access to over 10,000 global restaurants and Visa’s exclusive privileges. These cards are ideal for those who love luxury and convenience.
Whether you’re looking for travel perks or high reward points, Axis Bank has you covered. Their premium credit card options cater to everyone’s needs.
As India’s economy grows, so does the demand for Axis Bank premium credit cards. Axis Bank’s cards meet this demand with their benefits and rewards. They are perfect for frequent travelers or luxury lovers.
Credit Card Payment Methods and Processing
Axis Bank offers many ways to pay your credit card bill. You can pay online, set up auto-debit, or use your mobile. The Axis Bank credit card payment process is easy and safe. You can pay through Internet Banking, Axis Mobile, SMS, Phone Banking, or the BHIM UPI App.
Axis Bank has payment options for everyone. You can set up auto-debit to pay your bill automatically. You can also use the Axis Bank mobile app to pay or check your balance.
Remember, you must pay your credit card bill by the end of the billing cycle. You have 30-50 days without interest. The minimum payment is about 5% to 10% of your debt.
| Payment Method | Turnaround Time |
|---|---|
| Billdesk | 3 working days |
| Freecharge | 1 working day |
| UPI | 2 working days |
| NEFT | 1 working day |
Choosing the correct credit card payment method helps you avoid late fees. It also keeps your credit score healthy. It’s essential to pick the payment method that works best for you.
Comparing Different Axis Bank Credit Cards
Choosing the right credit card is crucial. It’s important to compare Axis Bank credit cards and their features. Axis Bank has many credit cards, each with special benefits and rewards. You should consider joining fees, renewal fees, cashback rates, and lounge access.
The Axis Bank Cashback Credit Card has a joining fee of Rs. 499. It offers 5% cashback on bill payments. The Flipkart Axis Bank Credit Card has a joining fee of Rs. 500. It gives 5% cashback on Flipkart purchases. You can compare Axis Bank credit cards to find the best one.
Popular Axis Bank credit cards include the Axis Bank Neo Credit Card and the Axis Bank My Zone Credit Card. Each card offers unique benefits like welcome offers, cashback rates, and insurance. You can pick the card that fits your lifestyle best by comparing it with a bank credit card.
Finding the right credit card means carefully comparing Axis Bank credit cards. Look at fees, rewards, and benefits. This way, you can choose the card that meets your needs.
Annual fees Structure
Axis Bank credit cards have different annual fees. Retail cards have fees from INR 0 to INR 1,000, and affluent cards charge between INR 1,500 and INR 50,000 annually.
To waive the annual fee for retail cards, you must spend INR 20,000 to INR 400,000 the year before. The interest rate for these cards is a fixed 55.55% per year.
| Card Type | Annual Fee | Interest Rate |
|---|---|---|
| Retail Cards | INR 0 – INR 1,000 | 55.55% per annum |
| Affluent Cards | INR 1,500 – INR 50,000 | 12.68% – 55.55% per annum |
Remember to look at the fees and charges when picking a credit card. The costs can change based on the card type and how you use it.
Unique Features of Axis Bank Credit Cards
Axis Bank credit cards have special features that make them stand out. One key feature is the fuel surcharge waiver, which can save cardholders money on fuel. They also offer dining discounts, international lounge access, and cashback rewards.
Other notable features include up to 45 interest-free days on purchases. Cardholders can also get cash advances and convert balances into EMIs. Plus, they earn reward points and cashback on various transactions. This makes using their credit cards a rewarding experience.
Axis Bank credit cards also offer many benefits, including low introductory APRs, sign-up bonuses, and exclusive offers. Cardholders can also enjoy automatic payments to avoid late fees and interest charges. The special features of Axis Bank credit cards are designed to meet diverse needs.
Some of the key benefits of Axis Bank credit cards include:
- Fuel surcharge waivers
- Dining discounts
- International lounge access
- Cashback rewards
- Up to 45 interest-free days on purchases
- Cash advance facilities
- Option to convert outstanding balances into EMIs
These benefits and features make Axis Bank credit cards a popular choice. The features and special features of Axis Bank credit cards are designed to provide a rewarding and convenient experience.
Security Features and Protection
Axis Bank credit cards have strong security features. These features include fraud prevention and insurance to keep your transactions safe. They also protect against fraud, such as card skimming, phishing, and identity theft.
Axis Bank credit cards offer a 24-hour helpline for lost or stolen cards. They also have a fraud protection system that watches for unusual spending. For extra security, cardholders can use two-factor authentication (2FA) tools like one-time passwords (OTPs).
Fraud Prevention Measures
Axis Bank’s credit card fraud detection system checks for suspicious transactions, such as high-value purchases or many transactions in a short time. The system also uses multi-factor authentication (MFA) to boost security. Merchants can use the Address Verification Service (AVS) to check billing addresses against card issuer records.
Insurance Coverage
Axis Bank credit cards come with insurance for fraud, loss, or theft. This includes emergency cash advances, help with emergency hotel bills and replacement travel ticket advances. Here’s a table showing the insurance coverage for different card protection plans:
| Card Protection Plan | Emergency Cash Advance Facility | Emergency Hotel Bills Assistance | Replacement Travel Ticket Advance |
|---|---|---|---|
| Classic Plus | ₹5,000 | ₹40,000 | ₹40,000 |
| Premium Plus | ₹20,000 | ₹60,000 | ₹60,000 |
| Platinum Plus | ₹20,000 | ₹80,000 | ₹80,000 |
Digital Banking Integration
Axis Bank offers digital banking services for managing credit cards online. With Axis Bank’s digital banking, you can check your account, pay bills, and access services from home. The digital banking integration of Axis Bank credit cards makes online shopping, dining, and travel easy and convenient.
The bank’s digital platform is secure and easy to use. You can earn reward points on UPI spends with Axis Bank RuPay Credit Cards. There’s no charge for linking or conducting transactions with the linked Axis Bank RuPay Credit Card on UPI. Here are some key features of Axis Bank’s digital banking integration:
- Interoperable Cardless Cash Deposit (ICD) and Interoperable Cardless Cash Withdrawal (ICCW) transactions using any UPI-enabled application
- Ability to perform services including account opening, credit card issuance, deposits, loans, forex, and FASTag on a single platform through the Android Cash Recycler
- UPI transaction limits for RuPay Credit Cards are set at 1 lakh per day for Offline and Small Merchants and five lakhs per day for other categories
Axis Bank’s digital banking integration aims to offer a seamless and convenient banking experience. With a focus on innovation, customers can expect more advanced digital banking features in the future.
| Feature | Description |
|---|---|
| UPI Transaction Limits | 1 lakh per day for Offline and Small Merchants, five lakhs per day for other categories |
| Interoperable Cardless Cash Deposit | Transactions using any UPI-enabled application |
| Android Cash Recycler | Single platform for account opening, credit card issuance, deposits, loans, forex, and FASTag |
International Travel Benefits
Axis Bank credit cards are perfect for those who travel often. They offer many benefits for international travel. One great thing is the foreign currency markup, which saves you money on international transactions.
Another big plus is the airport lounge access. It gives you a cozy place to relax before your flight. The number of free lounge visits varies with the card type and membership level. For example, the Miles & More World Credit Card lets you visit Priority Pass lounges twice a year, while the Miles & More World Select Credit Card allows four visits.
| Card Type | Complimentary Lounge Visits |
|---|---|
| Miles & More World Credit Card | 2 per year |
| Miles & More World Select Credit Card | 4 per year |
Axis Bank credit cards also offer rewards and points for international purchases, making traveling even more rewarding. You can earn points on every transaction, which can be used for travel expenses or other rewards.
Shopping and Lifestyle Benefits
Axis Bank credit cards make daily life more rewarding. They offer discounts, cashback, and exclusive offers, allowing you to enjoy a more luxurious lifestyle.
Key benefits include accelerated reward points and cash back for shopping, dining, entertainment, and travel. You also get complimentary access to airport lounges, discounts on health and wellness services, and fuel savings.
Here are some benefits of Axis Bank credit cards:
- Movie ticket discounts, including cash backs or Buy One Get One (BOGO) offers, through partnerships with entertainment brands
- Insurance coverage for health hazards, providing financial protection to the cardholders
- Reward points for every purchase, enhancing customer loyalty and incentivizing spending
- Cashback across numerous platforms based on the card’s terms, allowing for further shopping or reduction of Credit Card bills
Axis Bank offers various shopping credit cards, like the Axis Bank Flipkart Credit Card and Neo Credit Card. These cards cater to different shopping preferences and reward behaviors. Customers can enjoy exclusive rewards in shopping malls, where many brands are available.
Customer Support and Service
Axis Bank offers top-notch customer support and service for its credit card users. They make sure help is always ready when you need it. You can get support 24/7 through phone banking and a special helpline for lost or stolen cards.
The support team can easily reach you through toll-free numbers 1800 209 5577 and 1800 103 5577. You can also call chargeable numbers, 1860 419 5555 and 1860 500 5555. For urgent needs like blocking a lost card, dial +91 22 6798 7700.
Key Support Services
- 24/7 phone banking services for emergency assistance
- Dedicated helpline for reporting lost or stolen cards
- Toll-free and chargeable customer support numbers
- Services such as Aadhaar seeding, e-statement registration, and account balance inquiries through phone banking
Axis Bank has a clear process for handling complaints, which ensures quick responses. For credit card issues, you can also chat with agents. Plus, there are many ways to resolve grievances, like chatting, emailing, or talking to nodal officers.
With Axis Bank’s support, you can relax knowing help is just a call away. The bank’s dedication to excellent service has made it a trusted name in finance.
| Service | Availability | Contact Number |
|---|---|---|
| Phone Banking | 24/7 | 1800 209 5577, 1800 103 5577 |
| Credit Card & Account Services | 8:00 a.m. to 8:00 p.m. | 1860 419 5555, 1860 500 5555 |
| Loan Services | 8:00 a.m. to 8:00 p.m. (Monday to Saturday) | 1860 419 5555, 1860 500 5555 |
Upgrading Your Axis Bank Credit Card
Upgrading your Axis Bank credit card can give you more benefits and rewards. This makes your credit card experience better. To start the Axis Bank credit card upgrade process, visit the Axis Bank website or mobile app. You can also contact their customer support team.
Upgrading your card means you get higher credit limits and special rewards programs. You also get premium services like airport lounge access and travel insurance. Plus, you might get welcome benefits like cashback or reward points when you upgrade.
You need a good credit history to qualify for an Axis Bank credit card upgrade. You also have to meet the bank’s criteria. Check your eligibility by logging into your Axis Bank account or calling customer support. After upgrading, you can enjoy the new benefits and rewards.
Some top Axis Bank credit cards to upgrade to are the Axis Bank Neo Credit Card, Axis Bank Signature Credit Card, and Axis Bank Magnus Credit Card. Each card offers unique perks like cashback, reward points, and travel insurance. Upgrading the Axis Bank credit card lets you pick the card that fits your needs and lifestyle.
Conclusion
Axis Bank has various credit cards for different needs and lifestyles. Whether you want rewards, travel perks, or to manage your money, Axis Bank has something for you. Choose the right credit card based on how you spend, your income, and what you need.
Axis Bank credit cards offer special offers, points for rewards, and top-notch security. By picking the right card, you can boost your spending power, which improves and simplifies your banking experience.
Discover the advantages of Axis Bank credit cards. They offer rewards, protection, and tailored financial solutions. Start looking for your ideal Axis Bank credit card today. Begin your journey to financial freedom with rewards.
