Apply for More Credit Cards Online

The best way to choose your credit card depends on understanding your spending pattern in terms of where you spend the most of your income, and where you are likely to spend more. Is it shopping, dining, entertainment, fuel, travel or a combination of these categories? The ideal or best credit card for you therefore would be the one that is tailored to your requirements in terms of your spending habits, lifestyle goals and the credit limit you are seeking. The ultimate aim is to optimise available rewards and benefits while also considering applicable fees and interest rates.

If you are a first time credit card holder, consider the following factors before choosing your credit card:

• Monthly expenses:
  Choose a credit card whose limit is close to your monthly expenses. If you have a lower credit limit, prioritise only the payments which should be made through your credit card.
• Rewards & Points:
  You could also select a credit card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
• Card control:
  Choose the card issuer based on how easy it is to manage the credit card especially on the mobile app or website. You should be able to manage spend limit, international usage, set the PIN, view payment history & statements, block & replace card, among other features
• Card offers:
  Apart from offers from brands and merchants, card issuers also offer other benefits such as converting spends into EMIs, availing instant loans, upgrading card limit, getting an add-on card for your family members, and much more
• Card fees and charges:
  Credit cards will have slightly different interest rates depending on the issuer that offers the card. Therefore, always compare the fees and interest rates before you choose a credit card.

If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors:

1. Age – Primary cardholder should be between the age of 18 and 70 years

2. Income – this could vary depending on the card variant you choose and

3. Residential status – the individual should either be a resident of India or a non-resident Indian

Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card. Please note that these criteria are only indicative and the bank reserves the right to approve or decline applications for its credit cards

While applying for a credit card, you will need to share a few documents as under:
1. Age and Residential proof: PAN card, Aadhaar card, Passport or Driver’s license
2. Income proof: Salary slips or Income Tax Returns

Credit Cards have certain fees that you must be aware of. These may vary depending on the card variant you hold. Some common credit card fees are joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc. Do check the fees when selecting a credit card.

If you are a first time credit card holder or are planning to apply for one, here’s what you should know before choosing your credit card:

1. Monthly spends:
   Select a credit card whose credit limit aligns closely with your monthly spending.
2. Maximising benefits:
   Reap maximum benefits by choosing a credit card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
3. Credit card eligibility:
   If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors: 1. Age 2. Income 3. Residential status (whether you are an Indian resident or NRI).
   You will have to show documents as proof of the above mentioned eligibility conditions.
   Documents required will include - Age and Residential proof (PAN card, Aadhaar card, Passport or Driver’s license), income proof (Salary slips or Income Tax Returns).
   Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card.
4. Fees and Charges:
   Credit Cards have certain fees that vary depending on the card variant you hold. Some common credit card fees include joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc.
5. Interest Rates:
   If you repay your credit card dues in full every month, before the due date, then you don’t have to pay an interest rate on your credit card outstanding amount. But if you carry forward any amount of your credit card due, then you do incur an interest rate on the pending amount. This interest rate on credit cards is typically between 3% and 4% monthly.

1. Go to Axis Bank's official website and click on the 'Credit Cards' tab.
2. You will see a list of credit cards mentioned.
3. Select the credit card of your choice and click on “Apply Now”. You will be taken to the credit card online application form.
4. You will be asked to fill in information w.r.t. identification and eligibility criteria. Type the details asked for in the form and click on Submit.

Mobile App:
Steps to apply for credit card using Axis Bank mobile app: 1. Login to your Axis Bank mobile app.  2. Under the Products section, click on Credit cards 3. Click on Apply Now

If you are a first time credit card holder or are planning to apply for one, here’s what you should know before choosing your credit card:

Tips to help you manage your credit card expenses better:

1. Keep an eye on your spending
   Consistently tracking your spending can help you resist the urge to overspend. Additionally, you can set transaction limits using the “manage spends” feature for specific purchases on your credit card, making it easier for you to adhere to your spending objectives.
2. Don’t use your entire credit card limit
   Ideally you should aim for spending not more than 30% of your credit card limit. You can control your spending and avoid debt by doing so.
3. Check credit card statements regularly
   Regularly checking your statement helps you stay on top of your spending, ensure accurate billing, detect fraudulent activity and avoid late payment fees and interest charges.
4. Pay your credit card bills on time
   This helps you maintain a good credit score and avoid late payment fees and interest charges. You can also set up automatic payment or payment reminders to help you pay your bill before due date. You should also opt for paying your dues in full and not just the minimum amount due in order to avoid interest charges.
5. Use your credit card points and offers
   Using available offers and rewards is an excellent way to maximise the benefits of your credit card and save money on every purchase.