Axis Bank offers a wide range of credit cards, each with its own set of eligibility criteria. So, if you’re interested in applying for an Axis Bank credit card, it’s important to know the eligibility requirements. In this blog post, we’ll look at the different eligibility criteria for Axis Bank credit cards. We’ll also discuss how to go about meeting those requirements and getting your application approved. So, read on for all the details, whether you’re thinking about applying for your first Axis Bank credit card or want to figure out if you’re eligible for a specific card!.
Axis Bank Credit Cards
Axis Bank is one of the leading banks in India, offering a wide range of credit cards to suit the needs of its customers. Axis Bank credit cards offer many benefits such as fuel surcharge waiver, cashback on spending, reward points, etc. There are different types of Axis Bank credit cards available, each with its benefits.
Some of the popular Axis Bank credit cards are:
Axis Bank My Zone Credit Card: This card offers many benefits such as 5% cashback on all online spending, fuel surcharge waiver, reward points on every spend, and much more.
Axis Bank Neo Credit Card: This is a contactless credit card that offers many benefits such as reward points on every spend, fuel surcharge waiver, and much more.
Axis Bank Prime Credit Card: This is a premium credit card that offers many benefits such as 5% cashback on all online spending, fuel surcharge waiver, reward points on every spend, and much more.
Features and Benefits of Axis Bank Credit Cards
Some of the key features and benefits of Axis Bank credit cards are:
1. Reward points: Axis Bank credit cards offer reward points on every spend made using the card. These points can be redeemed for a wide range of products and services.
2. Fuel surcharge waiver: Axis Bank credit cards offer a fuel surcharge waiver of up to 1% on all fuel purchases made using the card.
3. Cashback: Some Axis Bank credit cards offer cashback on all spending made using the card.
4. Easy payment options: Axis Bank credit cards offer a host of easy payment options such as EMIs, auto-debit, etc., which makes it convenient for customers to pay their bills.
5. Flexible spend limits: Axis Bank credit cards offer flexible spend limits which can be customized as per the customer’s requirement.
6. Worldwide acceptance: Axis Bank credit cards are accepted at over 24 million merchant establishments worldwide.
7. Security features: Axis Bank credit cards come with a host of security features such as chip and PIN, 3D Secure, etc., which ensures the safety of the cardholder’s transactions.
8. Customer service: Axis Bank credit cards come with 24×7 customer service support, which is available to help cardholders with any queries or concerns they may have.
How to Apply for Axis Bank Credit Card?
Axis Bank credit cards can be applied online through the bank’s website. Customers will need to fill in the online application form with their personal and financial details. Once the form is submitted, the bank will process the application and intimate the customer about the status of their application.
Documents Required to Apply for Axis Bank Credit Card
The following documents are required to apply for an Axis Bank credit card:
1. Proof of identity: Passport, Aadhaar card, PAN card, Voter ID card, etc.
2. Proof of address: Passport, Electricity bill, Rent agreement, etc.
3. Income proof: Salary slip, Income tax return, etc.
4. Photograph: 1 passport size photograph is required.
5. Other documents: Bank statements, KYC documents, etc., may be required by the bank at the time of application.
Axis Bank Credit Card Eligibility Factors
Axis Bank offers a wide variety of credit cards with a host of benefits and features. But before you can apply for an Axis Bank credit card, you need to meet the eligibility criteria set by the bank. Here are the key factors that will be considered when determining your eligibility for an Axis Bank credit card:
–Your age: You must be at least 18 years old to apply for an Axis Bank credit card.
-Your income: You must have a regular source of income to be eligible for an Axis Bank credit card. This could include income from employment, self-employment, investments, etc.
-Your credit history: A good credit history is always an asset when applying for a credit card. Having a history of timely repayments will improve your chances of getting approved for an Axis Bank credit card.
-Your financial obligations: The bank will also consider your current financial obligations when assessing your eligibility for a credit card. This includes things like existing loans, EMIs, etc.
Interest-Free Credit Period on Axis Bank Credit Card
If you’re an Axis Bank credit cardholder, you can enjoy up to 50 days of interest-free credit on your card. You won’t be charged any interest on your outstanding balance if you pay it off in full within the interest-free period. However, if you carry over a balance from one month to the next, you will be charged interest on that amount.
Axis Bank offers a variety of credit cards with different interest-free periods, so you can choose the one that best suits your needs. For example, the Axis Bank Platinum Credit Card offers up to 50 days of interest-free credit, while the Axis Bank Titanium Credit Card offers 45 days.
To make the most of your interest-free period, pay off your entire balance before the due date. You’ll avoid being charged any interest on your outstanding balance.
Fees and Charges on Axis Bank Credit Card
There are several fees and charges that come with using an Axis Bank credit card. Here is a look at some of the most common fees:
Annual fee: An annual fee is charged for using an Axis Bank credit card. This fee is typically around Rs. 500, but it may be higher or lower depending on your card type.
Late payment fee: Late payment fees are charged if you do not make your minimum payment by the due date. This fee is typically around Rs. 100.
Cash advance fee: A cash advance fee is charged when you withdraw cash from an ATM or purchase using your credit card at a merchant that does not accept credit cards. This fee is typically around 3% of the transaction amount.
Foreign currency transaction fee: A foreign currency transaction fee is charged when you use your Axis Bank credit card to purchase a foreign currency. This fee is typically around 3% of the transaction amount.
Over-limit fee: An over-limit fee is charged if you exceed your credit limit. This fee is typically around Rs. 100.
Balance transfer fee: A balance transfer fee is charged when you transfer your balance from one credit card to another. This fee is typically around 3% of the transaction amount.
Returned payment fee: A returned payment fee is charged if your bank returns a payment you make. This fee is typically around Rs. 100.
As you can see, several fees and charges come with using an Axis Bank credit card. It is important to be aware of these fees before you use your card to avoid them if possible.
How to Increase Axis Bank Credit Card Limit?
If you’re a current Axis Bank credit cardholder, you may wonder how to increase your credit limit. Fortunately, it’s a relatively easy process that can be completed in just a few steps.
The first step is to log into your online account and navigate the “Request Increase” page. You’ll need to enter some basic information about yourself and your current financial situation. Once you’ve submitted this information, Axis Bank will review your request and decide within 10 business days.
If your request is approved, you’ll receive an email notification letting you know that your credit limit has been increased. If not, you’ll receive a letter explaining the denial. In either case, you can always reapply for an increase at a later date.
So there you have it! Increasing your Axis Bank credit limit is a simple process that can be completed in just a few steps. If you’re currently unhappy with your credit limit, don’t hesitate to submit a request for an increase. With any luck, you’ll be approved and enjoy the increased spending power that comes with it.
Axis Bank Credit Card Customer Care
If you are an Axis Bank credit cardholder, you can contact the customer care team for assistance with your account or card-related queries. The customer care team is available 24×7 and can be reached via the following channels:
Phone: You can call the Axis Bank credit card customer care number at 1-860-419-5555.
Email: You can also email the customer care team at customercare@axisbank.com.
Live chat: You can also live chat with a customer care representative by clicking on the ‘live chat’ option on the Axis Bank website.
To get in touch with the customer care team, you must have your credit card number and registered mobile number handy. The customer care team will also be able to help you with information on your credit card statement, outstanding balance, payments due, etc.
If you are facing any issues with your Axis Bank credit card, do not hesitate to contact the customer care team for assistance. They will be more than happy to help you resolve your issue as soon as possible.
Frequently Asked Question
Do I need to have an account with Axis Bank to apply for a credit card?
You do not need to have an account with Axis Bank to apply for a credit card. You can apply for a credit card by visiting any Axis Bank branch or calling the Axis Bank Credit Card Customer Care number.
What is the minimum income requirement to apply for an Axis Bank Credit Card?
The minimum income requirement to apply for an Axis Bank Credit Card is Rs. 12,000 per month.
What is the annual fee for an Axis Bank Credit Card?
The annual fee for an Axis Bank Credit Card is Rs. 500. This fee is waived if you spend more than Rs. 1 lakh per annum.
What are the late payment charges for an Axis Bank Credit Card?
The late payment charges for an Axis Bank Credit Card range from Rs. 100 to Rs. 700, depending on the outstanding amount on your credit card.
What is the interest rate charged on an Axis Bank Credit Card?
The interest rate charged on an Axis Bank Credit Card is 3% per month.
What is the cash advance limit on my Axis Bank Credit Card?
The cash advance limit on your Axis Bank Credit Card is Rs. 10,000 or 20% of your credit limit, whichever is lower.
How do I activate my new Axis Bank Credit Card?
You can activate your new Axis Bank Credit Card by calling the Axis Bank Credit Card Customer Care number or visiting any Axis Bank branch.
What is the limit on overseas transactions for my Axis Bank Credit Card?
The limit on overseas transactions for your Axis Bank Credit Card is Rs. 5 lakh per annum.
How can I check my credit card balance?
You can check your credit card balance by logging into your online banking account or calling the Axis Bank Credit Card Customer Care number.
Can I convert my purchase into EMIs?
Yes, you can convert your purchase into EMIs. You can do so by logging into your online banking account or calling the Axis Bank Credit Card Customer Care number.
My name is Card-Topedia, and I’m the author of Cardtopedia.com, a blog about credit cards and banking. I’ve been passionate about fintech since graduating from university with an honours degree in finance. I currently live in London but have experience living and working abroad in several countries including Germany and Australia. With my financial background and personal experience, I’m passionate about helping people make informed decisions when it comes to credit cards and banking products. Through Cardtopedia, I provide unbiased reviews, tips and advice on how to maximize rewards while minimizing fees. My goal is to help readers simplify their finances so they can focus on what matters most – achieving financial freedom!
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