Axis Bank, a top private bank in India, offers a wide variety of credit cards designed to suit different lifestyles and spending habits. With over 1.47 crore active credit cards as of February 2025, it’s a key player in the credit card space. Axis Bank provides around 40 credit card variants, catering to different lifestyles and spending habits. In this article, we’ll cover the key features, benefits, eligibility requirements, and how to apply for an Axis Bank credit card. You’ll also find a helpful FAQ section to answer common questions.
Overview of Axis Bank Credit Cards
Axis Bank offers around 40 different credit cards to suit a variety of lifestyles and spending needs. Some of the most popular options include the Flipkart Axis Bank Credit Card, Axis Bank Select, Axis Bank Ace, and Axis Bank Horizon. These cards come with a range of benefits such as cashback, reward points, free lounge access, dining discounts, and fuel surcharge waivers.
Key Features and Benefits
- Reward Points and Cashback:
Axis Bank credit cards come with the eDGE Loyalty Rewards program, allowing cardholders to earn points on every transaction. For example:- Axis Bank Signature Credit Card with Travel Benefits: Earn 10 points per ₹200 on domestic spends and 20 points per ₹200 on international spends.
- Flipkart Axis Bank Credit Card: Offers 5% cashback on Flipkart purchases and 4% on partner merchants.
- Points can be redeemed for e-vouchers, hotel bookings, airline tickets, and more.
- Lounge Access:
Premium cards like the Axis Bank Miles & More Select Credit Card offer complimentary access to select MasterCard lounges (up to 4 visits per quarter at 31 lounges across 14 cities in India). - Dining and Entertainment:
- Cards like the Axis Bank Select Credit Card provide Buy-One-Get-One (BOGO) movie ticket offers via the District app (up to ₹250 off, twice monthly).
- Enjoy up to 15% discounts at partner restaurants through the Axis Bank Dining Delights program.
- Fuel Surcharge Waiver:
Most Axis Bank credit cards offer a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at petrol pumps across India. - EMI Conversion:
Convert purchases above ₹2,500 into easy EMIs, providing flexibility for high-value transactions. - Welcome Benefits:
Many cards offer attractive joining benefits, such as Amazon gift vouchers (e.g., ₹500 on the Airtel Axis Bank Credit Card) or travel vouchers (e.g., ₹5,000 on the Axis Bank Signature Credit Card). Note that welcome benefits are now “once-in-a-lifetime” per card variant to prevent misuse. - Customizable Credit Limits:
Cardholders can request credit limit adjustments based on spending patterns and repayment history, subject to the bank’s approval. - Contactless and International Transactions:
Cards can be enabled for online, contactless, and international transactions via the Axis Mobile App or Internet Banking for a seamless experience.
Eligibility Criteria
To apply for an Axis Bank credit card, you must meet the following requirements:
- Age: Primary cardholder must be between 18 and 70 years old.
- Income: Varies by card variant (e.g., higher income required for premium cards like Magnus or Reserve).
- Residential Status: Must be a resident of India or a non-resident Indian (NRI).
- Credit Score: A good credit score and history are evaluated for approval.
Documents Required
- Proof of Identity and Address: PAN card, Aadhaar card, passport, or driver’s license.
- Proof of Income: Salary slips or Income Tax Returns (ITR).
Application Process
- Visit the Axis Bank website and navigate to the “Credit Cards” section.
- Browse and select a card that suits your needs.
- Click “Apply Now” and fill out the online application form with personal, contact, and income details.
- Upload scanned copies of required documents.
- Review and submit the application. Processing typically takes up to 21 working days, subject to document verification and eligibility.
Fees and Charges
- Joining/Annual Fees: Vary by card (e.g., ₹500 + GST for Airtel Axis Bank Credit Card, ₹50,000 + GST for Magnus, waived for Burgundy Private account holders).
- Interest Rates: 3%–4% per month on outstanding balances if not paid in full by the due date.
- Other Fees: Include late payment fees, over-limit penalties, cash withdrawal fees (up to 30% of credit limit), and a 1% fee on rent/education transactions (effective December 20, 2024).
Recent Updates (Effective June 20, 2025)
- Reward Tracking: Rewards will now be based on transaction categories (e.g., rent, utilities) rather than Merchant Category Codes (MCCs).
- Magnus/Magnus Burgundy: Earn 12 EDGE REWARD Points per ₹200 on spends up to ₹1.5 lakh/month, 35 points per ₹200 above ₹1.5 lakh (up to credit limit + ₹1.5 lakh), then 12 points again.
- Unredeemed Points: From October 1, 2025, unredeemed EDGE Points/Miles may have specific conditions or expiry.
Frequently Asked Questions (FAQs) About Axis Bank Credit Cards
1. How can I apply for an Axis Bank credit card?
You can apply online via the Axis Bank website. Navigate to the “Credit Cards” section, select your preferred card, click “Apply Now,” and complete the application form with required documents. Alternatively, visit a nearby Axis Bank branch.
2. How do I check my credit card application status?
You can track your application status online by entering your Application ID (starting with C1 or MLP) or PAN card number along with your registered mobile number. You can also visit an Axis Bank branch or contact customer care at 1860-419-5555. Processing takes about 21 working days.
3. What are the payment options for my Axis Bank credit card bill?
You can pay your bill through:
- Axis Bank Internet Banking: Register your card as a biller and pay directly.
- NEFT/IMPS: Use your bank’s net banking with the beneficiary as “Axis Bank” and your 16-digit credit card number as the account number (IFSC: UTIB0000400).
- Auto Debit: Set up auto-debit from your Axis Bank savings account.
- Cheque/Drop Box: Drop a cheque favoring “Axis Bank Card No. [16-digit number]” at an Axis Bank branch or MINC bill box (Mumbai only), at least 5 days before the due date.
- Cash Payment: Pay at an Axis Bank branch (₹175 service fee) or ATM.
4. How can I increase my credit card limit?
Eligible cardholders may receive pre-approved limit increase offers via SMS, email, or ATM. To check eligibility, SMS “CLE XXXX” (last 4 digits of your card) to 5676782. You can also request a limit enhancement via customer care or Internet Banking, subject to the bank’s policy (no limit changes or instant loans in the last 6 months). Note: Limits are shared across multiple Axis Bank credit cards.
5. How do I enable online, contactless, or international transactions?
Use the Axis Mobile App or Internet Banking: Navigate to Credit Card > Control Center > Domestic/International Usage. Alternatively, call 1860-419-5555 from your registered number. For first-time activation, you may need a 6-digit code from the card issuance letter.
6. How can I redeem my reward points?
Log in to Axis Bank Internet Banking or the Axis Mobile App to view and redeem eDGE Reward Points for e-vouchers, travel bookings, or other items in the rewards catalog. A fee of ₹199 may apply for points transfer (effective December 20, 2024).
7. Can I close my Axis Bank credit card account?
Yes, contact customer care at 1860-419-5555 or email customer service from your registered email ID. Ensure all outstanding dues are cleared before closure.
8. What should I do if my credit card isn’t working at a point-of-sale terminal?
Verify the PIN and ensure the card hasn’t expired. If the issue persists, contact customer care at 1860-419-5555 to diagnose the problem.
9. How do I generate or change my credit card PIN?
Visit an Axis Bank ATM, swipe your card, enter the existing PIN, and select “Change PIN” to set a new one. Alternatively, use Internet Banking: Accounts > My Credit Cards > More Services > Generate PIN, and authenticate with an OTP sent to your registered mobile number.
10. What happens if my payment fails or my card is debited multiple times?
For failed transactions with multiple debits, the excess amount will be refunded within 7 days after reconciliation. Contact customer care at +91-022-7131-2125/2126 for assistance.
11. Can I get my credit card statement for tax purposes?
Yes, download your statement via Axis Bank Internet Banking or the Axis Mobile App. Alternatively, contact customer care to request a statement.
12. Are Axis Bank credit card transactions secure?
Yes, Axis Bank complies with Payment Card Industry Data Security Standard (PCI DSS) and uses 128-bit security with two-factor authentication (MasterCard Secure Code/Verified-by-Visa) for online transactions.
13. What are the benefits of add-on cards?
Add-on cards share the primary card’s limit and benefits but cannot avail loans or value-added services. The primary cardholder can control transactions via Axis Mobile or Internet Banking.
14. How long is the interest-free credit period?
You can enjoy up to 50 days of interest-free credit on purchases if the previous bill is paid in full by the due date. This does not apply to cash withdrawals.
15. What should I do if my credit card is lost?
Report the loss immediately to Axis Bank via phone banking (022-67987700) or at a branch. The card will be hot-listed, and a replacement card with the remaining balance (less charges) will be issued.
For more information visit : https://www.axisbank.com/retail/cards/credit-card
Also visit : https://postofficefd.com/bank-of-baroda-personal-loan-options-in-2025/