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A credit card is a payment card that allows you to borrow money to pay for goods and services. Axis Bank offers a wide range of credit cards, including lifestyle cards, travel cards, and business cards. With our instant credit cards, we offer a variety of benefits, such as rewards points, cashback, and travel insurance. Whether you're a frequent traveler, a shopaholic, or a business owner, Axis Bank has a credit card that's perfect for you.

If you have applied for a credit card with Axis Bank, click here to know your application status.

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    Which is the Best Credit Card for You?

    The best credit card for you would be the one that you choose based on the credit limit as per your expenses. This, however, also depends on your credit score. For instance, if you have a low credit score resulting from failure to make credit card payment bills on time, then you may face some restrictions when you apply for credit card.

    But if you are a first-time credit card holder, here is how you can choose the best credit card for yourself:

    • 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.
    • Choice of Payments:
      While many credit cards are generally restricted to certain payment modes, many others can allow you to pay across different digital channels for online credit card payment.
    • Card fees & Charges:
      Credit cards will have slightly different interest rates depending on the bank or the provider that offers the card. Therefore, always compare the interest rates before you choose a credit card.
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    Credit Card Eligibility

    If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors – age, income and residential status (whether you are an Indian resident or NRI). You will have to show documents as proof of these eligibility conditions. For instance, salary slips or Income Tax Returns for your income, PAN, Aadhaar, passport or driver’s license for identity proof, and so on. Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card.

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    Fees and Charges

    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 fee, 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.

    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. The interest rate on credit cards is applicable in the case of the following situations: if you convert credit card transactions into EMIs, if you pay only the minimum amount due, if you pay an amount lower than the total outstanding amount or if you don’t make any payment. Since credit card interest rates are higher than other unsecured loans such as personal loans and secured loans, such as loans against FD or loans against securities, it is advisable to pay your credit card dues in full and within the due date as far as possible.

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    Do’s and Don’ts for Credit Cards

    Do’s when using a Credit CardDon’ts when using a Credit Card
    Repay the entire credit card outstanding in full every month. This will keep your spending under check and build your credit score Don’t pay only the minimum amount due on your credit card every month. If you do this and carry forward the remaining amount, you may end up with a huge credit card outstanding.
    Keep your credit utilisation ratio to 30-40% of your credit limit as it reflects positively in your credit report.Don’t utilise your entire credit limit every month as it will show you as credit-hungry and reflect negatively on your credit score.
    If you are unable to repay in full, convert your transaction into an EMI and repay regularly. This will help you save on interest and penalties for delayed payment.Don’t go overboard with your card spending. If you are unable to repay the outstanding amount, you may find yourself with a huge debt burden.
    Keep track of your payment date/s and credit periods to avoid delay in payment or default, especially if you hold multiple cards.Don’t apply for too many credit cards as it will reflect negatively on your credit history.
    Opt for receiving credit card alerts from your bank. This will help keep track of your payments as well as detect any fraudulent transactions and take timely action.Don’t ignore any alerts or communication regarding your credit card. It helps to monitor your spending and stay up-to-date with all offers and deals
    Block your card immediately if you misplace it or if it gets stolen to prevent misuse. If you notice any fraudulent transaction in your card statement, lodge a disputed transaction complaint with your bank immediately. 
    Keep track of all the credit card communication your bank sends, such as increases in interest rates, changes in fees, terms and conditions, offers and deals, etc. 
    Read the terms and conditions before you apply for a credit card and do a thorough research about the interest rates, credit limits, grace period, etc. before selecting one 

    How to apply?

    1. Click here or visit your nearest Axis Bank Branch
    2. Fill in your basic details like name, mobile number, PAN and check for your Credit Card Eligibility
    3. Select from our wide range of Credit Card Offers and complete your application.

    Frequently Asked Questions (FAQs)

    A credit card is a tool allowing users (cardholders) to borrow funds within a specified limit to make purchases or pay for services. Also known as plastic money, banks typically issue these cards, and the cardholder agrees to repay the amount along with other charges in exchange for the service.

    Credit cards are more than just a convenient way to make purchases. Responsible usage of credit cards can help you gain significant advantages.

    • Enjoy convenience and flexibility in payments with no requirement to carry cash
    • Avail emergency financial assistance anytime
    • Manage your budget effectively and track your spending
    • Earn rewards with credit card rewards programs
    • Build your credit score with responsible usage
    • Avail EMI facilities for more manageable monthly instalments
    • Take advantage of the interest-free grace period, depicting the best example of "buy now, pay later"!
    • Experience comfortable travelling with multiple travel benefits#.
    • Get insurance coverage#

    Click here to read more about Credit Card Benefits.

    #On selected cards

    Credit cards are one of the universally used and convenient ways to pay for your purchases.

    Working of a credit card:

    • When you apply for a credit card, the bank issues you one with a set credit card limit. This is the maximum credit limit the bank is willing to give you.
    • When you make a purchase using a credit card, the details are sent to your bank and the merchant's bank. Upon verification, your bank processes the transaction and makes the payment to the merchant’s bank. The corresponding amount from your credit balance is reduced.
    • The bank sends a credit card bill listing details of all the transactions made during the period, the bill amount, the Minimum Amount Due, the due date, etc. The Minimum Amount Due refers to the amount that must be paid to continue using this facility.
    • The interest-free period is the time between the actual purchase and payment. No interest is charged during this period.
    • If you fail to pay the bill in full, the balance is carried forward to the next bill and interest is charged.

    A credit card is a preferred option if you are looking for a safe and hassle-free payment tool. Some of the common types of credit cards available in India are: cashback credit cards, reward credit cards, co-branded credit cards, fuel credit cards, lifestyle credit cards, travel credit cards, premium credit cards, contactless credit cards, and so on. Know the different types of credit cards Axis Bank has to offer!

    Reward points are perks or benefits accumulated on your credit card through purchases. Each time you use your card, you earn certain points, which can be redeemed for gift vouchers, discounts, merchandise, etc. Vouchers, cashback, donations and miles are common ways to redeem these reward points. Learn more on how to redeem Axis Bank Credit Card points here.

    Axis Bank offers different types of credit cards to suit your needs. Be it lifestyle cards, travel cards or business cards, we have a card for all your needs. Depending on the card you opt for, benefits and features will vary, but some of the reasons to apply for Axis Bank credit cards are:

    • Wide range of credit card options
    • Easy online application
    • Up to 50 days of interest-free credit period
    • Access to Cash Advance, Auto Debit and EMI facility
    • Contactless payment option
    • Safe and secure
    • Waiver of fuel surcharges
    • Complementary flight tickets
    • Discounts on movie tickets, dining, hotel bookings and more
    • Access to airport lounges

    You can use your Axis Bank credit card for online transactions using a One-time password (OTP) for authentication. The OTP option ensures security during online purchases and can be done either during the purchase or before the transaction.

    The credit card limit is the maximum amount you can spend on your credit card and is set by the bank. The total amount spent, including the fees, should be within this limit. Factors like income, age, credit history, credit score, liability, etc., determine your credit card limit.

    Typically, first-time credit card holders are offered lower limits as the bank is not familiar with your spending and repayment habits. Your credit limit can be increased, but the discretion to do so remains with the bank.

    Whether you use a credit card or not, you may still be charged a certain credit card fee. This fee, when billed, must be paid within the due date to avoid any penalties. If you wish to close your credit card account, all the outstanding bills must be cleared. You can get in touch with our support team for more details.

    A few general eligibility criteria to apply for an Axis Bank Credit Card are:

    • You must be an Indian resident over 18 years of age
    • If you are a primary cardholder, you must have a regular source of income.

    Apart from these requirements, additional eligibility criteria are based on the type of card you choose. You can browse through the wide range of Axis Bank credit cards and select the one to know eligibility criteria.

    Credit cards make payments for purchases easier and more rewarding and help improve credit scores. Banks typically use CIBIL scores to determine your creditworthiness and repayment ability. CIBIL score ranges from 300 to 900. Although there is no minimum score for issuance of credit cards, a score of 750 and above is considered good. Moreover, there are multiple ways to improve your credit score.

    Yes, you can apply for more than one credit card, as they can jointly offer higher credit limits, more flexibility and reward points. However, it is important to use credit cards smartly to avoid increasing debt.