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Credit card is your go-to tool for making purchases or paying for services on credit. It is a payment card that provides a credit facility up to a certain limit, which you can repay within a permitted time frame without incurring extra costs. Credit cards can be a great choice for managing your finances smartly, as they offer valuable benefits for mindful spending and timely repayment.

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Credit Card Eligibility Criteria & Documentation

Credit Card Eligibility Criteria

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

Age - Primary cardholder should be between the age of 18 and 70 years
Income - this could vary depending on the card variant you choose and
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

Documents required to apply for an Axis Bank Credit Card

While applying for a credit card, you will need to share a few documents as under:

Age and Residential proof: PAN card, Aadhaar card, Passport or Driver's license
Income proof: Salary slips or Income Tax Returns

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How to apply for a Credit Card online?

Follow the below mentioned steps to apply for an Axis Bank credit card online:

STEP 1

Select the card of your choice.

STEP 2

Click on ‘Apply Now’.

STEP 3

You will be redirected to the Credit Card online application form.

STEP 4

Fill in the required information and click on ‘Submit’.

Apply for Credit Card

Fees & 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 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.

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Things to know before applying 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:

Monthly spends: Select a credit card whose credit limit aligns closely with your monthly spending.
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.
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.
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.
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.

Do's And Don'ts For Credit Cards

Follow these guidelines to avoid high-interest debt and enjoy secure payments, cashless transactions, rewards and cashback offers with Axis Bank Credit Cards.

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Tips to manage your Credit Card expenses

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:

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.
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.
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.
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.
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.

Frequently Asked Questions

A Credit Card allows you to borrow money for your purchases and is like a short-term loan from a bank. Also known as plastic money, you can use this card to buy things and have the option to pay the borrowed money back all at once or in smaller amounts over time. However, if you don't pay the full amount right away, you are charged an extra amount on it in the form of interest.

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.

Applying for a credit card is an easy process. You need to follow these simple steps:

1. Click here or visit your nearest Axis Bank branch

2. Provide basic details such as name, mobile number, PAN, and check your credit card eligibility

3. Select from our wide range of credit card offers and complete your application

Once your details gets verified, your card application status will be notified. Upon approval, your credit card will be delivered to your specified address within the next few days. You will also be kept informed about the relevant dispatch and delivery status to ensure security and avoid mishandling

To be eligible for an Axis Bank Credit Card, you need to meet the following criteria:

Indian resident over 18 years of age
A regular source of income in case you are the primary cardholder

Additionally Axis Bank may also apply a few card specific eligibility criteria. Axis Bank offers a diverse range of credit cards, each with its unique features and requirements. To determine the eligibility criteria for a specific card, you can explore the various options available and select the one that best aligns with your preferences and financial situation.

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 repayments habits. Your credit limit can be increased, but the discretion to do so remains with the bank.

The credit card limit, which is set by the bank, represents the maximum amount you can spend using your credit card. It is determined by considering various factors such as income, age, credit history, credit score, liabilities, etc. It is essential to ensure that the total expenditure, including fees, stays within this predetermined limit. Initially, new credit card users might receive lower limits because the bank is not familiar with their spending and repayment habits. While the credit card limit can be increased, the decision ultimately rests with the bank."

Access to a lounge during the long waiting hours at an airport is surely a comfort. Majority of Axis Bank credit cards offer complimentary access to airport lounges.

The minimum amount due on a credit card represents a mandatory partial payment of the total outstanding bill, required when the entire bill amount cannot be paid. This amount is usually fixed at 5% of the total outstanding balance, calculated based on the credit card statement issued.

Axis Bank offers you the option to apply for multiple credit cards with a cumulative credit limit with increased flexibility, features and additional benefits.

In the event of losing your Credit Card, promptly notify Axis Bank by contacting Customer Care. The card will be instantly blocked, and during the same call, you can request a replacement. Additionally, report the lost card to the police station in the area where you suspect it was misplaced or lost.

Yes, Axis Bank credit cards are globally accepted, allowing for both online and offline international use. To activate this feature, simply log in to your account through mobile banking or net banking. This facilitates seamless usage of your Axis Bank credit card on a global scale, offering convenience and flexibility for transactions conducted internationally, both on the internet and at physical locations.

A reward point serves as an extra benefit provided by banks as a token of appreciation for each credit card purchase. These points accumulate as you use your credit card, and once a sufficient amount is gathered, you have the option to redeem them for various rewards such as gift vouchers and more. Axis Bank offers the eDGE Loyalty Rewards Program to all its credit card customers. It is designed to reward customers for every purchase transaction that they make. Each reward has been curated in a way that ensures that customers have exceptional experiences choosing and redeeming gifts with Axis Bank. Along with presenting a wide variety of rewards, Axis Bank credit card customers can even make redemptions with a minimum number of accumulated rewards points under the eDGE Loyalty Rewards Program.

For rules related to Add-on Cards, click here.

Comprehensive Guide On Credit Cards

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Credit Card Eligibility Criteria & Documentation

Credit Card Eligibility Criteria

Documents required to apply for an Axis Bank Credit Card

Useful Credit Card Links

How to apply for a Credit Card online?

Fees & Charges

Swipe your Credit Card into a world of convenience

Airport Lounge Access Credit Card

Rupay Credit Card

Lifetime Free Credit Card

Lifestyle Credit Card

Things to know before applying a Credit Card

Do's And Don'ts For Credit Cards

Do's when using Credit Cards

Don'ts when usingCredit Cards

Tips to manage your Credit Card expenses

Frequently Asked Questions

What is Credit Card ?

How to choose the best Credit Card?

How to apply for a Credit Card?

How to check Credit Card Eligibility?

What is a credit card limit?

What is the minimum credit score for a credit card?

Do credit cards come with any airport lounge benefits?

What does ‘minimum due’ mean on a credit card statement?

Can cardholders who already have a credit card apply for another one?

What should I do when my credit card is lost?

Can I use credit card for international transactions?

What are reward points and how can I redeem my Axis Bank credit card points?

I have a primary card as well as an add-on card. Can I continue using both?

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