Your Lifestyle. Your Card.

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.

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

• Click here or visit your nearest Axis Bank branch
• Provide basic details such as name, mobile number, PAN, and check your credit card eligibility
• 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 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.

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.