Axis Bank Credit Cards: Check Features, Eligibility & Charges

Axis Bank Credit Cards

image of Axis Bank

🤔 Know everything about Axis Bank Credit Card

Is Axis Bank Your Reward Partner?

Being India’s third largest private sector bank, Axis Bank offers a customisable card option that caters to the needs of multiple arrays of users. The Axis Bank Credit Card is categorised under Premium, Featured, Co-branded, and many other segments and can be selected from about 30 options. Axis Bank has 1,47,92,226 active credit cards as of September 2024.

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Features of Axis Bank Credit Cards

Lounge Access

Travel Benefit

Fuel Surcharge

Cashback Benefit

Reward Points

Insurance Benefit

Shopping Benefit

Welcome Bonus

Dining Benefit

Top Axis Bank Credit Cards

image of Axis Bank PRIMUS

Axis Bank PRIMUS (4)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹1,80,000

Annual Fee

₹1,80,000

Annual Percentage Rate

12.68%
image of Airtel Axis Bank

Airtel Axis Bank (3.8)

Full Details
Co-Branded
Best For: Utility
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%
image of Fibe Axis Bank

Fibe Axis Bank (3.8)

Full Details
Co-Branded
Best For: Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

Nil

Annual Fee

Nil

Annual Percentage Rate

52.86%
image of Axis Bank Rewards

Axis Bank Rewards (4.3)

Full Details
Regular
Best For: Reward Points
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

52.86%
image of Axis Bank Atlas

Axis Bank Atlas (4.6)

Full Details
Travel
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹5,000

Annual Fee

₹5,000

Annual Percentage Rate

52.86%
image of Axis Bank Reserve

Axis Bank Reserve (4.7)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.20

Joining Fee

₹ 50,000

Annual Fee

₹ 50,000

Annual Percentage Rate

42.58%
image of Axis Bank Magnus

Axis Bank Magnus (4.5)

Full Details
Premium
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹12,500

Annual Fee

₹12,500

Annual Percentage Rate

42.58%
image of IndianOil Axis Bank

IndianOil Axis Bank (4.5)

Full Details
Co-Branded
Best For: Fuel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%
image of Axis Bank Vistara Signature

Axis Bank Vistara Signature (4.3)

Full Details
Co-Branded
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

0

Joining Fee

₹3,000

Annual Fee

₹3,000

Annual Percentage Rate

52.86%
image of Axis Bank Neo

Axis Bank Neo (4.5)

Full Details
Regular
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹250

Annual Fee

₹250

Annual Percentage Rate

52.86%
image of Axis Bank Privilege

Axis Bank Privilege (4)

Full Details
Travel
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹ 1500

Annual Fee

₹ 1500

Annual Percentage Rate

52.86%
image of Axis Bank Ace

Axis Bank Ace (4.6)

Full Details
Regular
Best For: Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

52.86%
image of Flipkart Axis Bank

Flipkart Axis Bank (4.2)

Full Details
Co-Branded
Best For: Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%
image of Axis Bank MyZone

Axis Bank MyZone (4.5)

Full Details
Regular
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%
image of Axis Bank Select

Axis Bank Select (4.3)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹3,000

Annual Fee

₹3,000

Annual Percentage Rate

52.86%

How To Apply For Axis Bank Credit Card Online

Step 1: Visit the Axis Bank website.

Step 2: Navigate to the "Credit Cards" section: On the homepage, click on the "Credit Cards" tab to view the different types of credit cards offered by Axis Bank.

Step 3: Select a credit card: Browse through the different credit card options available and choose the one that best suits your needs and eligibility.

Step 4: Check eligibility and documents required: Check the eligibility criteria and the documents required for the credit card application. For example, you may need to provide proof of identity, address, and income.

Step 5: Click on "Apply Now": Click on the "Apply Now" button to initiate the application process.

Step 6: Fill in the application form: Provide your personal and contact details, employment and income details, and other required information in the online application form.

Step 7: Upload necessary documents: Upload scanned copies of the required documents such as PAN card, Aadhaar card, salary slips, bank statements, etc.

Step 8: Review and submit the application: Review all the details entered in the application form, and submit it. Make sure to double-check all the information to ensure it is accurate and complete.

Step 9: Wait for application approval: After submitting the application, wait for Axis Bank to review and approve it. This may take a few days, and the bank may contact you for any further clarification or documentation.

Step 10: Receive your credit card: Once your application is approved, the credit card will be delivered to your registered address within 7-10 working days.

Step 11: Activate your credit card: Follow the instructions provided with the credit card to activate it. You can also activate the credit card by calling Axis Bank customer care or through Internet banking.

Axis Bank Fees and Charges

Analyse a card based on its Joining Fee, Annual Fee and what it's best suited for.

CARD VARIANT

JOINING FEE

ANNUAL FEE

BEST FOR

Axis Bank PRIMUS

₹1,80,000

₹1,80,000

Lifestyle

Airtel Axis Bank

₹500

₹500

Utility

Fibe Axis Bank

Nil

Nil

Cashback

Axis Bank Rewards

₹1,000

₹1,000

Reward Points

Axis Bank Atlas

₹5,000

₹5,000

Travel

Axis Bank Reserve

₹ 50,000

₹ 50,000

Lifestyle

Axis Bank Magnus

₹12,500

₹12,500

Travel

IndianOil Axis Bank

₹500

₹500

Fuel

Axis Bank Vistara Signature

₹3,000

₹3,000

Travel

Axis Bank Neo

₹250

₹250

Lifestyle

Axis Bank Privilege

₹ 1500

₹ 1500

Lifestyle

Axis Bank Ace

₹499

₹499

Cashback

Flipkart Axis Bank

₹500

₹500

Cashback

Axis Bank MyZone

₹500

₹500

Lifestyle

Axis Bank Select

₹3,000

₹3,000

Lifestyle

Axis Bank Eligibility

CREDIT CARDS

INCOME REQUIRED

EMPLOYMENT TYPE

Axis Bank PRIMUS

₹0

Salaried , Self Employed

Airtel Axis Bank

₹0

Salaried , Self Employed

Fibe Axis Bank

₹0

Salaried , Self Employed

Axis Bank Rewards

₹0

Salaried , Self Employed

Axis Bank Atlas

₹900000

Salaried , Self Employed

Axis Bank Reserve

₹3500000

Salaried , Self Employed

Axis Bank Magnus

₹150000

Salaried , Self Employed

IndianOil Axis Bank

₹0

Salaried , Self Employed

Axis Bank Vistara Signature

₹50000

Salaried , Self Employed

Axis Bank Neo

₹0

Salaried , Self Employed

Axis Bank Privilege

₹12500

Salaried , Self Employed

Axis Bank Ace

₹0

Salaried , Self Employed

Flipkart Axis Bank

₹15000

Salaried , Self Employed

Axis Bank MyZone

₹0

Salaried , Self Employed

Axis Bank Select

₹75000

Salaried , Self Employed

Axis Bank News
31 May 2024, Friday
1. Migration of Citi Credit Cards to Axis Credit Cards- All You Need to Know.

As of 1 March 2023, Axis Bank has acquired all consumer banking services from Citibank, including credit cards. The full migration of Citi customers to Axis Bank is anticipated to be completed by 9 June 2024. Existing Citi cards will be substituted with new credit cards from Axis Bank. Below is a list of some of the rebranded cards:

  1. Citi Rewards will become the Axis Rewards Credit Card.

  2. IndianOil Citi Card will become the IndianOil Premium Axis Bank Credit Card.

  3. Citi PremierMiles will become the Axis Bank Horizon Credit Card.

Features of New Axis Bank Credit Cards

1. Axis Rewards Credit Card:

  • Joining/Annual Fee: Rs. 1,000 + GST
  • Welcome Benefits: 5,000 EDGE REWARDS on Rs 1,000+ spend within the first 30 days.
  • Earn up to 20 EDGE Reward Points for every Rs 125 spent.
  • 2 complimentary domestic lounge access.

2. IndianOil Premium Axis Bank Credit Card:

  • Joining/Annual Fee: Rs 1,000 + GST
  • Welcome Benefits: 500 EDGE Miles on the first transaction within 30 days.
  • Earn EDGE Miles for fuel, groceries, and other spends, redeemable at IOCL petrol pumps.
  • Quarterly complimentary domestic lounge access, Zomato discounts, and a fuel surcharge waiver.

3. Axis Bank Horizon Credit Card:

  • Joining/Annual Fee: Rs 3,000 + GST
  • Welcome Benefits: 5,000 EDGE Miles on Rs 1,000+ spent within the first 30 days.
  • Earn EDGE Miles for travel and other categories.
  • International and domestic lounge access, fuel surcharge waiver, EazyDiner discounts.

Post Migration

  • Existing rewards/miles will be converted to Axis Bank EDGE Rewards and/or EDGE Miles with unchanged monetary value.
  • Card number, CVV, annual fees, credit limit, and other details will remain the same.
  • Mandates and saved card information on merchant sites will not change.
  • EMIs and other obligations will be seamlessly transferred to the new Axis card.
13 Mar 2024, Wednesday
2. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
3. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
4. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
5. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
6. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,47,92,226
View All Axis Bank Credit Cards

Frequently Asked Questions

The minimum salary required to apply for an Axis Bank Credit card varies depending on the card type. The minimum salary requirement for Axis Bank Select Credit Cards is Rs. 9 lakhs per annum, whereas the salary requirement for Axis Bank Magnus credit cards is 18 lakhs per annum. Students over the age of 18 can apply for an Axis Bank Student Credit Card.

The EMI option is available on most Axis Bank Credit Cards, depending on the transaction amount and eligibility criteria. However, some of the most popular credit cards that provide this option are:

Axis Bank Buzz Credit Card, Axis Bank My Zone Credit Card, Axis Bank Neo Credit Card, Axis Bank Flipkart Credit Card, Axis Bank Signature Credit Card, Axis Bank Vistara Credit Card, Axis Bank Privilege Credit Card, Axis Bank Freecharge Credit Card. You should read the terms and conditions of the respective credit card to learn more about the EMI option and the applicable interest rates.

To apply for an Axis Bank Credit Card, go to the bank's official website and navigate to the credit card section. Then examine the various credit cards available from the bank and select the one that best meets your needs. Select the "Apply Now" option. Then fill out the application form with your personal and financial information and submit it.

To be eligible for any of the bank's available credit cards, applicants must have a minimum credit score of 750. A credit score of less than 750 up to 650 may still be considered by the bank for the issuance of credit cards.

The Axis Bank credit card limit is the maximum amount that you can spend on your Axis credit card. The limit is set when the credit card is issued to the borrower. The bank determines the limit after evaluating your credit card application based on factors such as your annual income, credit utilisation ratio, age, and others. It’s dependent on the type of credit card used, as different types of credit cards offer different credit limits.

Depending on the type of credit card, the Axis Bank Credit Card may offer the following benefits: A program of Rewards, Travel Advantages, Cashback Deals and Offers, Options for EMI Payments, Contactless payments, easy cash withdrawal, discounts on dining, and more.

There are multiple ways to pay Axis Bank credit card bills:

Online payment: You can pay your credit card bills online using net banking, a debit card, or UPI through the Axis Bank website or mobile app.                                            

Axis Bank ATM: You can pay your credit card bills at any Axis Bank ATM.

NEFT/IMPS: You can use your bank's net banking service to make NEFT/IMPS payments.

Auto Debit: You can set up an auto-debit facility for your credit card bill payment through your bank account.

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