Credit Card: Apply for an instant credit card & avail best rewards, cashbacks & many exclusive benefits. Get Instant approval on Credit Card online now with Axis Bank!

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.

No Joining Fee

Axis Bank ACE Credit Card

DINING- 5% cashback* on bill payments & recharges on Google Pay4% cashback* on Swiggy, Zomato & Ola1.5% cashback* on other spends

• 4 Complimentary lounge access at select domestic airports 1% fuel surcharge waiver

• Joining Fee: Rs. 0 (Limited Period Offer)

KNOW MOREAPPLY NOWLimited period lifetime free offer

Neo Credit Card

DININGMOVIESSHOPPING- Monthly 2 times – Up to Rs. 120 off* at Zomato

• 5%* off on Utility Bill Payment on PayTM

• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0

• Annual Fee: Rs. 0 (Limited Period Offer)

KNOW MOREAPPLY NOW

Axis Bank MY Zone Credit Card

FuelMOVIESSHOPPINGDINING- Complimentary Sony LIV Premium subscription for 1 Year worth Rs.1499

• Flat Rs.120 off* on Swiggy; twice a month

• Enjoy complimentary airport lounge access* (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOW

Flipkart Axis Bank Credit Card

SHOPPING - Welcome benefits worth Rs. 600

• Unlimited cashbacks from Flipkart and many more

• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOW

Airtel Axis Bank Credit Card

DINING- Amazon eVoucher worth Rs.500 on first card transaction

• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments10% cashback on bigbasket, Zomato and Swiggy
• 4 Complimentary lounge visits at select domestic airports 1% fuel surcharge waiver

KNOW MOREAPPLY NOW - Popular Cards

• Featured Cards
• PREMIUM CARDS
• CO-BRANDED CARDS

SHOPPING DINING TRAVEL MOVIE FUEL MOVIEFUEL

IndianOil Axis Bank Credit Card

• Now seamlessly Pay with UPI using your credit card

• Up to 1250 EDGE Rewards on 1st fuel transaction

• 4% value back on fuel spends at Indian Oil outlets

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWSHOPPINGDINING

Rewards Credit Card

• Milestone benefit of 1,500 EDGE reward points

• Bouquet of membership up to Rs. 1,000 every anniversary year

• 30% instant discounts on Swiggy

• Joining Fee: Rs. 1000

• Annual Fee: Rs. 1000 (waived on spends of INR 2,00,000 in an anniversary year)

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Magnus Credit Card

• Choose any one voucher worth INR 12,500 from below options:

• 5X eDGE Reward points on spends via Travel eDGE

• Unlimited lounge accesses

• Joining Fee: Rs. 12,500

• Annual Fee: Rs. 12,500

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment

• Earn Upto 3 economy class tickets every year

• Earn 2 CV points per 200 spent

• Joining Fee: Rs. 1,500

• Annual Fee: Rs. 1,500

KNOW MORETRAVEL

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment

• Earn Upto 4 Premium economy class tickets every year

• Earn 4 CV points per 200 spent

• Joining Fee: Rs. 3000

• Annual Fee: Rs. 3000

KNOW MORESHOPPING

Axis Bank Privilege Credit Card

• 12,500 EDGE RPs redeemable against vouchers worth Rs.2500*

• Get additional 10,000 Edge Reward Points on Spends of Rs 2.5 lakh*

• Joining Fee: Rs. 1500 (NIL for Priority Customers)

• Annual Fee: Rs. 1500

KNOW MOREAPPLY NOWSHOPPING

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600

• Unlimited cashbacks from Flipkart and many more

• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWMOVIESHOPPINGDININGFUEL

Axis Bank MY Zone Credit Card

• Complimentary Sony LIV Premium subscription for 1 Year worth Rs.1499

• Flat Rs.120 off* on Swiggy; twice a month

• Enjoy complimentary airport lounge access* (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWLimited period lifetime free offerMOVIESHOPPINGDINING

Neo Credit Card

• Monthly 2 times – Up to Rs. 120 off* at Zomato

• 5%* off on Utility Bill Payment on PayTM

• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0

• Annual Fee: Rs. 0 (Limited Period Offer)

KNOW MOREAPPLY NOWSHOPPINGDINING

Axis Bank Select Credit Card

• 10,000 EDGE REWARD Points worth Rs. 2,000

• Flat Rs. 200 off on Swiggy

• Flat Rs 500 off on Big Basket

• Joining Fee: Rs. 3,000 (NIL for Burgundy Customers)

• Annual Fee: Rs. 3,000 (waived on spends of INR 6,00,000 in an anniversary year)

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Atlas Credit Card

• Welcome benefits of 2,500 Miles

• Accrue 5X miles per Rs 100 spent on travel

• Converting EDGE Miles to program partner Miles (1 EDGE Mile = 2 Partner Mile)

• Joining Fee: Rs. 5,000

• Annual Fee: Rs. 5,000

KNOW MOREAPPLY NOWSHOPPING

Axis Bank AURA Credit Card

• Get welcome decathlon OMNI Gift Card worth INR 750
• Earn 2 points per spend of INR 200 and 5x reward points on Insurance
• Get 48 online video doctor consultations free per year, Get 48 interactive fitness video training sessions free per year, Get discount upto INR 500 on health checkup

KNOW MOREAPPLY NOWSHOPPING DINING TRAVEL MOVIE FUEL MOVIEFUEL

IndianOil Axis Bank Premium Credit Card

• Earn 6X Miles on fuel spends and 2X miles on grocery spends

• Unlimited fuel surcharge waiver at all IOCL outlets

• 30% on Zomato spends, valid 2X per month

• Joining Fee: Rs. 1000

• Annual Fee: Rs. 1000

KNOW MOREAPPLY NOWLimited period lifetime free offerMOVIESHOPPINGDINING

Neo Credit Card

• Monthly 2 times – Up to Rs. 120 off* at Zomato

• 5%* off on Utility Bill Payment on PayTM

• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0

• Annual Fee: Rs. 0 (Limited Period Offer)

KNOW MOREAPPLY NOWMOVIESHOPPINGDININGFUEL

Axis Bank MY Zone Credit Card

• Complimentary Sony LIV Premium subscription for 1 Year worth Rs.1499

• Flat Rs.120 off* on Swiggy; twice a month

• Enjoy complimentary airport lounge access* (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWSHOPPING

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600

• Unlimited cashbacks from Flipkart and many more

• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWFUELMOVIE

IndianOil Axis Bank Credit Card

• Now seamlessly Pay with UPI using your credit card

• Up to 1250 EDGE Rewards on 1st fuel transaction

• 4% value back on fuel spends at Indian Oil outlets

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWSHOPPINGDINING

Rewards Credit Card

• Milestone benefit of 1,500 EDGE reward points

• Bouquet of membership up to Rs. 1,000 every anniversary year

• 30% instant discounts on Swiggy

• Joining Fee: Rs. 1000

• Annual Fee: Rs. 1000 (waived on spends of INR 2,00,000 in an anniversary year)

KNOW MOREAPPLY NOWSHOPPING

Axis Bank AURA Credit Card

• Get welcome decathlon OMNI Gift Card worth INR 750
• Earn 2 points per spend of INR 200 and 5x reward points on Insurance
• Get 48 online video doctor consultations free per year, Get 48 interactive fitness video training sessions free per year, Get discount upto INR 500 on health checkup

KNOW MOREAPPLY NOWDINING

Axis Bank ACE Credit Card

• 5% cashback* on bill payments & recharges on Google Pay4% cashback* on Swiggy, Zomato & Ola1.5% cashback* on other spends
• 4 Complimentary lounge access at select domestic airports 1% fuel surcharge waiver

KNOW MOREAPPLY NOWDINING

Axis Bank Pride Platinum Credit Card

• Personalised card with shades of Tricolour for defence Personnel
• 4 points with every Rs. 200 spent
• 1200 eDGE Loyalty Reward points every year. Fuel Surcharge waiver

KNOW MOREAPPLY NOWDINING

Axis Bank Pride Signature Credit Card

• Personalised card with shades of Tricolour for defence Personnel
• 4 points with every Rs. 200 spent
• 15% discount at restaurants with Dining delights

KNOW MOREAPPLY NOWSHOPPINGMOVIE

Axis Bank MY Zone Easy Credit Card

• Contactless enabled secured credit card
• 4 points with every Rs. 200 spent
• 25% cashback on movies.

KNOW MOREAPPLY NOWSHOPPINGTRAVEL

Privilege Easy Credit Card

• Various Shopping & travel benefits
• 10 points on Domestic/ International spends for every Rs.200 spent
• Shopping or Travel Vouchers* worth Rs.5000 on Activation

KNOW MOREAPPLY NOWMOVIESHOPPINGDINING

Axis Bank Signature Credit Card with Lifestyle Benefits

• Satya Paul Gift Vouchers,15% discount on dining
• 10/20 points for every Rs. 200 spent on Domestic/International spends
• 50% cashback on movie ticketsUp to 15% discounts on dining

KNOW MOREView OffersMOVIE

Platinum Credit Card

• A perfect card for movie lovers. Enjoy 25% cashback on movie tickets.
• N.A.
• 6 points on every Rs.200 spent on credit card domestically

KNOW MOREView OffersTRAVEL

Titanium Smart Traveler Credit Card

• A card packed with exciting Travel Benefits to make your journey even more rewarding.
• 8 points with every Rs. 200 spent while travelling abroad
• Fuel Surcharge waiver.

KNOW MOREView OffersTRAVEL

Axis Bank My Wings Credit Card

• Avail two base fare flight tickets complimentary
• 4 points on every Rs. 200 spent on credit card
• Upto 20% cashback on base fare domestic flight bookings

KNOW MOREAPPLY NOWSHOPPING

Flipkart Axis Bank Super Elite Credit Card

• 500 Supercoins on card activation
• 12% Supercoins for Flipkart Plus customers and 6% Supercoins for Flipkart Non-Plus customers on Flipkart capped upto transaction value of Rs 2500 2% Supercoins on all other spends uncappedAnnual fee waiver on spends greater than 2 Lakh

KNOW MOREAPPLY NOWSHOPPING DINING TRAVEL MOVIE FUEL MOVIEFUEL

IndianOil Axis Bank Premium Credit Card

• Earn 6X Miles on fuel spends and 2X miles on grocery spends

• Unlimited fuel surcharge waiver at all IOCL outlets

• 30% on Zomato spends, valid 2X per month

• Joining Fee: Rs. 1000

• Annual Fee: Rs. 1000

KNOW MOREAPPLY NOWTRAVEL

HORIZON Credit Card

• Earn EDGE Miles: Welcome Benefit & Renewal Benefit

• 5 EDGE Miles on every INR 100 spent on Axis Bank Travel EDGE portal and Airline website.

• Enjoy complimentary International & Domestic lounge access

• Joining Fee: Rs. 3000

• Annual Fee: Rs. 3000

KNOW MORETRAVEL

Axis Bank Magnus Credit Card

• Choose any one voucher worth INR 12,500 from below options:

• 5X eDGE Reward points on spends via Travel eDGE

• Unlimited lounge accesses

• Joining Fee: Rs. 12,500

• Annual Fee: Rs. 12,500

KNOW MOREAPPLY NOWTRAVEL

SpiceJet Axis Bank Voyage Black Credit Card

• Rs. 4,000 worth SpiceJet flight voucher

• Complimentary SpiceClub Gold Membership

• Unlimited SpiceClub Point earn & bonus earn on Milestone & Renewal

• Joining Fee: Rs. 2000

• Annual Fee: 1st Year: Nil, 2nd Year onwards: Rs. 2000

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Vistara Infinite Credit Card

• Welcome Benefit – 1 Complimentary Business Class Ticket on joining fee payment

• Earn Upto 4 Business class tickets every year

• Earn 6 CV points per 200 spent

• Joining Fee: Rs. 10000

• Annual Fee: Rs. 10000

KNOW MORETRAVEL

Axis Bank Reserve Credit Card

• Complimentary Airport Concierge Services
• 15000 EDGE points on card activation
• ITC Culinaire, Accor Plus and Club Marriott hotel memberships; 50 golf rounds per year

KNOW MOREAPPLY NOWSHOPPING

Samsung Axis Bank Infinite Credit Card

• 30000 EDGE REWARD Points on doing upon 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases, across products & services.

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment

• Earn Upto 3 economy class tickets every year

• Earn 2 CV points per 200 spent

• Joining Fee: Rs. 1,500

• Annual Fee: Rs. 1,500

KNOW MORETRAVEL

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment

• Earn Upto 4 Premium economy class tickets every year

• Earn 4 CV points per 200 spent

• Joining Fee: Rs. 3000

• Annual Fee: Rs. 3000

KNOW MORESHOPPING

Axis Bank Privilege Credit Card

• 12,500 EDGE RPs redeemable against vouchers worth Rs.2500*

• Get additional 10,000 Edge Reward Points on Spends of Rs 2.5 lakh*

• Joining Fee: Rs. 1500 (NIL for Priority Customers)

• Annual Fee: Rs. 1500

KNOW MOREAPPLY NOWSHOPPINGDINING

Axis Bank Select Credit Card

• 10,000 EDGE REWARD Points worth Rs. 2,000

• Flat Rs. 200 off on Swiggy

• Flat Rs 500 off on Big Basket

• Joining Fee: Rs. 3,000 (NIL for Burgundy Customers)

• Annual Fee: Rs. 3,000 (waived on spends of INR 6,00,000 in an anniversary year)

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Atlas Credit Card

• Welcome benefits of 2,500 Miles

• Accrue 5X miles per Rs 100 spent on travel

• Converting EDGE Miles to program partner Miles (1 EDGE Mile = 2 Partner Mile)

• Joining Fee: Rs. 5,000

• Annual Fee: Rs. 5,000

KNOW MOREAPPLY NOWSHOPPING DINING TRAVEL MOVIE FUEL FUELMOVIE

Fibe Axis Bank Credit Card

• Up to 3% cashback on every transaction*

• CC on UPI enabled credit card for seamless transactions

• Complimentary domestic Lounge Access basis spends*

• Joining Fee: 0/-

• Annual Fee: 0/-

KNOW MOREAPPLY NOWSHOPPING

Axis Bank Shoppers Stop Credit Card

• Welcome Benefits worth of Rs. 2550

• Earn up to 20 FC Points at Shoppers Stop

• Earn up 2 FC Points on other spends

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MORETRAVEL

SpiceJet Axis Bank Voyage Black Credit Card

• Rs. 4,000 worth SpiceJet flight voucher

• Complimentary SpiceClub Gold Membership

• Unlimited SpiceClub Point earn & bonus earn on Milestone & Renewal

• Joining Fee: Rs. 2000

• Annual Fee: 1st Year: Nil, 2nd Year onwards: Rs. 2000

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Vistara Infinite Credit Card

• Welcome Benefit – 1 Complimentary Business Class Ticket on joining fee payment

• Earn Upto 4 Business class tickets every year

• Earn 6 CV points per 200 spent

• Joining Fee: Rs. 10000

• Annual Fee: Rs. 10000

KNOW MORESHOPPING

Samsung Axis Bank Infinite Credit Card

• 30000 EDGE REWARD Points on completing 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases, across products & services.

KNOW MOREAPPLY NOWTRAVEL

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment

• Earn Upto 3 economy class tickets every year

• Earn 2 CV points per 200 spent

• Joining Fee: Rs. 1,500

• Annual Fee: Rs. 1,500

KNOW MORETRAVEL

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment

• Earn Upto 4 Premium economy class tickets every year

• Earn 4 CV points per 200 spent

• Joining Fee: Rs. 3000

• Annual Fee: Rs. 3000

KNOW MORESHOPPING

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600

• Unlimited cashbacks from Flipkart and many more

• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500

• Annual Fee: Rs. 500

KNOW MOREAPPLY NOWTRAVEL

SpiceJet Axis Bank Voyage Credit Card

• Rs. 1500 worth SpiceJet Flight vouchers on doing 2 transactions in first 30 days
• upto 18 SC Points on credit card spends
• Complimentary 1 year SpiceClub Silver membership upto 6000 Bonus SpiceClub Points as milestone upto 4 complimentary domestic airport lounge access in a year

KNOW MOREAPPLY NOWDINING

Airtel Axis Bank Credit Card

• Amazon eVoucher worth Rs.500 on first card transaction
• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments 10% cashback on bigbasket, Zomato and Swiggy
• 4 Complimentary lounge visits at select domestic airports 1% fuel surcharge waiver

KNOW MOREAPPLY NOWSHOPPING

Samsung Axis Bank Signature Credit Card

• 2500 EDGE REWARD Points on completing 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases all year around, across products & services. This is in addition to and over & above other all offers

KNOW MOREAPPLY NOWTRAVEL

Miles and More Axis Bank Credit Card

• Welcome Award Miles of 15,000 on the World Select and 5000 Miles on the World Card
• 6/4 Award Miles per Rs. 200 on the World Select and World variant respectively on all eligible transactions Complimentary Priority pass membership and visits for lounge KNOW MOREAPPLY NOWDINING

Axis Bank Freecharge Credit Card

• Now get a virtual card instantly on your Freecharge Application
• 1 Point for every Rs. 200 Spent
• Bonus eDGE Rewards on crossing monthly thresholds of Rs.2000 and Rs.5000

KNOW MOREDINING

Axis Bank Freecharge Plus Credit Card

• 5% on Freecharge Spends, 2% on Ola/Uber/Shuttle and other local transport, 1% on all other spends
• Annual Fee waiver on spends of Rs.50,000 in an anniversary year

KNOW MOREFUELTRAVEL

LIC Axis Bank Signature Credit Card

• Earn 2X Rewards on LIC Premium payments and foreign currency transactions
• Earn 1X Rewards on every spend except Fuel, Wallet and EMI
• Upto 8 complimentary domestic airport lounge access per year1% fuel surcharge waiver

KNOW MOREAPPLY NOWFUELDINING

LIC Axis Bank Platinum Credit Card

• 2X benefits on LIC Premium payments and foreign currency transactions
• Earn 1X Rewards on every spend except Fuel, Wallet and EMI
• 1% fuel surcharge waiver

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

KNOW MORE KNOW MORE - Choose WiselyAxis Bank offers a range of credit cards designed to cater to your varied interests and requirements. Research thoroughly, considering factors such as prevailing interest rates, additional fees, the limit on your credit card, rewards, cashback and other offers tailored to your spending habits before making a decision.

• Mind the TermsBefore applying, understand the terms and conditions. Some cards have no annual fees, while others waive fees based on spend thresholds. Be aware of first-year waivers and subsequent charges.
• Stay UpdatedStay informed about any credit card interest rate changes from your bank, and track your payments accordingly.
• Full RepaymentAim to clear your entire credit card balance each month. This cultivates responsible spending habits and contributes to a positive credit score.
• EMI OptionIf unable to pay in full, convert transactions into EMIs for regular repayment, saving on interest and penalties.
• Utilization RatioThe percentage of credit that you use out of your total available credit is called the Utilization Ratio. It is advisable to keep credit utilization at 30-40% of the limit for a favorable credit report.
• Payment MonitorStay vigilant about due dates and credit periods to prevent delays or defaults.
• Secure your cardIn case of loss or theft, immediately block your card to prevent unauthorized use.
• Report your fraudIf you notice unauthorized transactions, swiftly report to your bank to address any issues.

Axis Bank offers a range of credit cards designed to cater to your varied interests and requirements. Research thoroughly, considering factors such as prevailing interest rates, additional fees, the limit on your credit card, rewards, cashback and other offers tailored to your spending habits before making a decision.

Before applying, understand the terms and conditions. Some cards have no annual fees, while others waive fees based on spend thresholds. Be aware of first-year waivers and subsequent charges.

Stay informed about any credit card interest rate changes from your bank, and track your payments accordingly.

Aim to clear your entire credit card balance each month. This cultivates responsible spending habits and contributes to a positive credit score.

If unable to pay in full, convert transactions into EMIs for regular repayment, saving on interest and penalties.

The percentage of credit that you use out of your total available credit is called the Utilization Ratio. It is advisable to keep credit utilization at 30-40% of the limit for a favorable credit report.

Stay vigilant about due dates and credit periods to prevent delays or defaults.

In case of loss or theft, immediately block your card to prevent unauthorized use.

If you notice unauthorized transactions, swiftly report to your bank to address any issues.

• Mindless SpendingAvoid mindless spending to prevent hefty debts.
• Minimum RepaymentsDon’t settle for minimum payments; they lead to high balances.
• Excessive ApplicationsAvoid excess card applications to preserve your credit history.
• Uncontrolled UsageRefrain from maxing out your limit; it harms your credit score.
• Cash WithdrawalAvoid withdrawal of cash using Credit Cards to avoid additional fees or interest payments

Avoid mindless spending to prevent hefty debts.

Don’t settle for minimum payments; they lead to high balances.

Avoid excess card applications to preserve your credit history.

Refrain from maxing out your limit; it harms your credit score.

Avoid withdrawal of cash using Credit Cards to avoid additional fees or interest payments

• Credit LimitIncrease
• Instant Loan on Credit Card
• Track yourcredit card
• Grab Deals
• Credit Card Benefits
• Credit CardEMI Calculator

VIEW OTHER LINKS 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.

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

1. Age – Primary cardholder should be between the age of 18 and 70 years

2. Income – this could vary depending on the card variant you choose and

3. 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

Read MoreWhile applying for a credit card, you will need to share a few documents as under: 1. Age and Residential proof: PAN card, Aadhaar card, Passport or Driver’s license2. Income proof: Salary slips or Income Tax Returns

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.

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:

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

418. 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.

419. 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.

420. 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.

421. 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. Read MoreFollow the below mentioned steps to apply for an Axis Bank credit card online: Website:

422. Go to Axis Bank’s official website and click on the ‘Credit Cards’ tab.

423. You will see a list of credit cards mentioned.

424. Select the credit card of your choice and click on “Apply Now”. You will be taken to the credit card online application form.

425. You will be asked to fill in information w.r.t. identification and eligibility criteria. Type the details asked for in the form and click on Submit. Mobile App:Steps to apply for credit card using Axis Bank mobile app: 1. Login to your Axis Bank mobile app. 2. Under the Products section, click on Credit cards 3. Click on Apply Now

Read MoreIf 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:

432. Keep an eye on your spendingConsistently 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.
433. Don’t use your entire credit card limitIdeally 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.
434. Check credit card statements regularlyRegularly 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.
435. Pay your credit card bills on timeThis 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.
436. Use your credit card points and offersUsing available offers and rewards is an excellent way to maximise the benefits of your credit card and save money on every purchase. Read More

What is Credit 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.

How to apply for 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

How to check Credit Card Eligibility?

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.

What is a credit card limit?

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.

What is the minimum credit score for a credit card?

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."

Do credit cards come with any airport lounge benefits?

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.

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

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.

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

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

What should I do when my credit card is lost?

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.

Can I use credit card for international transactions?

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.

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

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.

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

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

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