Axis Bank Credit Cards

Axis Bank Credit Card Features and Benefits

Axis Bank, being the most recognised bank in India, offers a wide range of features and benefits. The features of one card differ from another. Here’s the complete understanding of Axis Bank credit card features and benefits:

1. Rewards on Using the Card: The benefits that come with the Axis Bank Credit Cards include gaining reward points in the account after payment has been made through the card. These reward points can be stacked and used to obtain different things like vouchers, products, credit on statements, actually airline miles, etc.

2. Travel Benefits: Axis Bank Credit Cards offer a number of travel privileges to any cardholder, free access to airport lounges in the domestic or international airport, up to discount or cashback on flights through partner airlines or any other travel portals, travel insurance policy for card holder and family members, bonus or rewards points for every single expense incurred on air-fares, hotel accommodation, hire of car etc.

3. Balance Transfer Option: Axis Bank credit cards could feature a balance transfer option enabling its user to transfer his/her balance to Axis Bank credit cards at lower interest rates. This can assist in the reduction of debt and other related expenses, as well as keeping accounts in order.

4. Credit Card EMI Facility: Axis Bank Credit Cards usually have provisions including buy-now-pay-later, where one can convert big purchases, as big as the cost of gadgets or automobiles, into affordable EMIs. This enables the cardholders to make small installments on the costs of certain purchases within a qualified period of time and at reasonable interest rates for specific purchases, thus enabling them to make expensive purchases.

5. Welcome Benefits: There are welcome benefits when one activates the newly acquired credit card. Such advantages may entail vouchers, additional reward points, or even cash back on first transactions that might be offered, and discounted rates on partner sellers.

6. Movie & Dining Benefits: Axis Bank Credit Cards frequently offer perks related to entertainment and dining, such as Free movie tickets at the cinema or through specific ticketing sites/apps, or vouchers for free tickets, free meals, or reduced-priced meals at the cinema or partner restaurants or cafes.

Axis Bank Credit Card Rewards and Cashback

1. Neo Credit Card:

• You can earn EDGE reward points for using this card for making transactions.
• Earn 1 reward point on spending INR 200 using the card.

2. ACE Axis Bank Credit Card:

• Earn 5% cashback on paying utility bills using the credit card.
• Also, get complimentary airport lounge access and 1% fuel surcharge on ACE credit card.

3. Flipkart Axis Bank Credit Card:

• With this card you earn 5% cashback on spending on Flipkart.
• You earn 1% fuel surcharge on petrol pumps across the nation.
• Get 4 complimentary airport lounge access.

4. Axis Bank My Zone Credit Card:

• Enjoy four complimentary airport lounges at airports across the nation.
• You can also earn EDGE reward points on spending every INR 200 and above using the card.

5. Airtel Axis Bank Credit Card:

• Earn 25% cashback on using Airtel Tanks application for paying utility bills.
• You also get complimentary airport lounge access within India on spending INR 50,000 within 3 months of card issue.

6. Indian Oil Axis Bank Credit Card:

• In the form of reward points, you can get a 4% fuel surcharge on petrol pumps across the nation.
• Moreover, earn cashback up to INR 250 for using the card within the first month of issue for fuel purposes.
• Get up to 1250 EDGE reward points on the first fuel transaction using the card.

7. Axis Bank Magnus Credit Card:

• Use the card for travel proposes and earn 5X EDGE reward points.
• Get unlimited airport lounge access within Indian airports.

8. Axis Bank Vistara Credit Card:

• Get a complimentary air ticket of economy class by using the card to make bookings for travel purposes.
• You can earn two CV points for spending INR 200.

9. Axis Bank Vistara Signature Credit Card:

• With this credit card, you can earn complimentary premium economy class travel tickets.
• Also, earn 4 CV points on spending every INR 200.

10.  Axis Bank Privilege Credit Card:

• You can earn 10,000 EDGE reward points on spending INR 2.5 lakh.
• You also get cashback on paying utility bills and for dining purposes.

How To Earn and Redeem Axis Bank Credit Card Reward Points?

Earn Credit Card Rewards:

• Axis Bank offers an EDGE Rewards program through which customers can earn reward points.
• Each card has its own slabs for earning reward points, which can be checked in card details.
• The reward points earned through the purchase of products could be used for paying utility bills and other transactions.
• Five EDGE Reward Points is equal to 1 CV point, which can be further used for paying bills and making other payments.
• The monetary value of each EDGE reward point is equal to INR 0.20.

Redeem Credit Card Rewards:

• The first step towards redeeming reward points on Axis Bank credit cards is to know the reward amount. Each card has a distinct reward option available.
• For instance, the monetary value of each reward point of the Vistara Card is worth INR 0.35.
• Once you are sure about the value of the reward points, you can choose the best redemption option as per your choices.

Axis Bank Credit Card Eligibility Criteria

Axis Bank credit cards are provided only to those customers who fulfil the eligibility criteria set by the bank. Here’s the detailed understanding of the bank eligibility criteria for credit cards:

• Age Requirement: The eligible age to apply for an Axis Bank Credit Card are customers who are between 18 and 60 years of age.
• Income: Though there are variations of card variants, it is mandatory for Axis Bank Credit Card applicants to earn a minimum income that a different card encompasses. This threshold can be as low as by card.
• Employment Status: As for employment history, the applicant must provide information that he or she has a stable income; it means that the applicant must be salaried or engaged in his/her own business. Thus, employment status as well as income stability take their deserved place as some of the criteria to be used in the evaluation during the application.
• Credit Score: Typically, applicants need to be members in good standing of the complainant’s credit reference bureau, with a score of 750 or better being preferable. The probability of getting a credit card increases with a high credit score, and it will also come with extended features and services of better cards.
• Nationality: The following are eligible to apply for Axis Bank Credit Cards: Net Indian citizens and or non-resident Indians (NRIs) meeting the other requirements.
• Other Loans and Liabilities: Conventional banking also involves a review of the applicant’s creditworthiness in relation to the existing loan facilities and other liabilities. Other loans or liabilities need not be a policy issue, but it would help if the applicant has a reasonable debt-to-income ratio.

Documents Required For Axis Bank Credit Cards Approval

The following documents need to be handy for you when you are willing to apply for an Axis Bank Credit Card.

• Residence Proof: Proof of Residence is not mandatory during the Axis Bank Credit Card application but it is required to submit for the card activation. You can attach various other documents, which are government-approved documents like Aadhar Cards, Passport, Driving License, or Voter ID Card. These are legal documents which confirm your current residence and are important for the record of the bank.
• Identity Proof: Aside from residency documents, it is essential to provide legitimate identification documents. This makes sure that the details you submit in your application match with the true you to reduce the chances of impersonation. The list of permissible proof of identity includes an Aadhaar Card, passport, driving license, voter ID card, and permanent account number (PAN) card.
• Passport-size Photographs: Here, also, like all other credit card applications, at the end of the process, two colored passport photographs would be required. An important part of the identification process, these photographs are frequently stapled onto the application form.
• PAN Card Copy: Finally, an attested photocopy of the Permanent Account Number (PAN) card is required for identification and tax status purposes. This document is a regulation compliance document which forms the basis of the credit card application.

Axis Bank Credit Card Annual Fees and Charges

Here’s the complete report on Axis Bank Credit Card annual fees for its customers:

Credit Card	Annual Fees
NEO Credit Card	No annual fees
ACE Axis Bank Credit Card	Rs. 499 + GST
Flipkart Axis Bank Credit Card	Rs. 500 + GST
Axis Bank My Zone Credit Card	Rs. 500 + GST
Airtel Axis Bank Credit Card	Rs. 500 + GST
Indian Oil Axis Bank Credit Card	Rs. 500 + GST
Axis Bank Magnus Credit Card	Rs. 12,500 + GST
Axis Bank Vistara Credit Card	Rs. 1,500 + GST
Axis Bank Vistara Signature Credit Card	Rs. 3,000 + GST
Axis Bank Privilege Credit Card	Rs. 1,500 + GST

How to Apply for an Axis Bank Credit Card

You can get an Axis Bank Credit Card either by going to a branch or by applying online. To apply in person, visit the nearest Axis Bank branch and fill out the form there. Don’t forget to bring all the needed documents. If you want to apply online, you can do it through the Axis Bank website or Card Insider.

• Click on ‘Apply Now’: Go to the Axis Bank website or Card Insider and find the button that says ‘Apply Now.’ Click on it to start your application.
• Fill in the Details: Once you click ‘Apply Now,’ you’ll need to fill in all the required information on the application form. Follow the steps shown on the website to complete your application.
• Check Your Application Status Online: If you’ve applied for a credit card, go to the Axis Bank website and enter your application ID and date of birth to see your application status.

How To Activate Axis Bank Credit Cards?

To activate an Axis Bank credit card, you can get it done two ways.

Generating LIC Credit Card PIN via Customer Care:

• Step 1 : Contact the Axis Bank of India customer support line at 092124 61161 or 0120 4905 555.
• Step 2 : Make sure you gather your credit card information while you are making the call. 
• Step 3 : At this point, you will be required to input some identification details of the biller and these may include the following: Customer Number, Account Number, Relationship Number or any other Policy Number that is provided by the company. 
• Step 4 : The above will now be necessary to proceed and associate the credit card with the particular services. 
• Step 5 : These are the necessary procedures to take to ensure that the credit card from Axis Bank is activated.

Through NetBanking:

• Step 1 : Go to the official website of Axis Bank by following the link https://www.axisbank.com/. 
• Step 2 : On the homepage of KBC, scroll down to the KBC mobile banking logo at the bottom of the page and click on the button that says ‘Log in to KBC Net banking’.
• Step 3 : If you still have not done this step, then move to the Menu option and then move to ‘Accounts’ and then ‘My Credit Cards’.
• Step 4 : Then, which will expand, tap on ‘More Services’ and select ‘Credit Card PIN Change’.
• Step 5 : At the end of each line, click “Go” to confirm the inputs given are correct.
• Step 6 : Then, the new PIN will be entered, after which the Next tab will be clicked.
• Step 7 : To generate the PIN, a NETSECURE code link will be received on the provided mobile number.
• Step 8 : NETSECURE is an exclusive code that will be provided to you once you want to activate your account, so confirm the activation.

Axis Bank Credit Cards Login/Net banking

Axis Bank has a structured procedure for net banking, which includes simple steps as mentioned below:

• Step 1: You can get it on the Axis Bank website from https://www.axisbank.com/. 
• Step 2: In the second row at the right from the top of the page, there is a link called ‘Login’. 
• Step 3: Click on the same. Then, enter your Customer Identification Number and the Password successfully created for your customer profile.  
• Step 4: On the homepage, there is a red tab placed in the upper right corner of the screen with the inscription ‘Login.’  
• Step 5: So, whether through the phone or the Internet, you will be using your Axis Internet banking account.  
• Step 6: After that the user should select the ‘Accounts’ option in the toolbar on the top and then choose ‘My Credit Cards’.  
• Step 7: Subsequently, click the tab that advises you to ‘Click here to link your credit card account to your Internet Banking ID.’ 
• Step 8: Then click on the ‘Submit’ button.
• Step 9: Please enter the OTP that was sent to the mobile number registered for this account to continue with the process.
• Step 10: Upon registration, a message indicating acceptance will be sent to the user informing further proceedings.

How To Compare Axis Bank Credit Cards and Choose The Best One?

To make the right comparisons when comparing Axis Bank credit cards, first, know your spending style and requirements. If you spend wisely, find out where you spent most, whether in travelling, eating out, shopping, or perhaps food. 

Determine if you want a card for regular spending, for when you have an unexpected expense or for certain purchases such as travelling. This will assist you in filtering out the various cards available and disqualifying those that do not offer the best rewards and incentives that are useful to you.

Determine the value of each card in the form of perks and incentives offered by the issuing institution or bank. Check out the rewards, cash back, travel facilities or any other facilities that you get tired of on your credit card. 
Look at what the credit card company charges, including the annual fees, interest fees, and any other additional charges such as penalty late fees and/or fees for foreign transactions. 

Make sure that, at face value, the benefits of having the card far surpass its costs and that its credit limit suits you. Moreover, it is essential to also take time and look at the eligibility criteria just to be sure that you can qualify for the card.
It is also possible to navigate to the Axis Bank website and look for credit card comparison tools that show you various cards at once, or there is an option of approaching third-party financial comparison websites to make the comparison. It involves investigating the number of customer complaints and acts as an indicator of satisfaction with the reviews of other consumers and the opinions of professionals.

Conclusion

Axis Bank, being the third largest private sector bank in India offers you various credit cards which come with their own features and benefits. Each credit card offers a range of reward options. Under the program EDGE REWARDS, Axis Bank delivers its customers various reward options which can further be used for the purpose of paying utility bills. Check out each of the card details before applying for one.

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