Axis Bank Credit Card

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Axis Bank Credit Card: Benefits, Types, Eligibility & How to Apply Online

Axis Bank is one of the leading private banks in India, offering a wide range of credit cards that cater to shopping, dining, travel, lifestyle, and rewards. With exclusive offers, cashback, lounge access, and reward programs, Axis Bank Credit Cards have become very popular among customers who want convenience and financial flexibility.

In this article, we will cover everything you need to know about Axis Bank Credit Cards – including their types, features, benefits, eligibility, fees, and the online application process.

Why Choose Axis Bank Credit Cards?

Axis Bank offers credit cards tailored to different spending patterns. Whether you are a frequent traveler, an online shopper, or someone who loves dining out, Axis Bank has a card for you. Some key reasons to choose Axis Bank Credit Cards are:

  • Wide variety of cards for different needs

  • Attractive rewards and cashback programs

  • Global acceptance at millions of outlets and ATMs

  • Complimentary airport lounge access with select cards

  • Fuel surcharge waivers

  • EMI conversion facility on purchases

  • Easy online application and tracking

Popular Axis Bank Credit Cards

Here are some of the most popular credit cards offered by Axis Bank in 2025:

1. Axis Bank Magnus Credit Card

  • Annual Fee: ₹10,000 + GST

  • Best For: Premium lifestyle and travel benefits

  • Features:

    • Complimentary domestic and international lounge access

    • Free golf sessions

    • Premium concierge services

    • Reward points on every transaction

    • Complimentary airport pick-up and drop services

2. Axis Bank Ace Credit Card

  • Annual Fee: ₹499 + GST

  • Best For: Cashback on everyday spends

  • Features:

    • 5% cashback on bill payments & recharges via Google Pay

    • 4% cashback on food delivery through Swiggy, Zomato, and Ola

    • Unlimited 2% cashback on all other spends

    • Complimentary lounge access at select airports

3. Axis Bank My Zone Credit Card

  • Annual Fee: ₹500 + GST

  • Best For: Entertainment lovers

  • Features:

    • Buy 1 Get 1 free on movie tickets via Paytm

    • Complimentary lounge access at domestic airports

    • Cashback offers on online shopping

    • Dining discounts under Axis Bank Dining Delights

4. Axis Bank Vistara Infinite Credit Card

  • Annual Fee: ₹10,000 + GST

  • Best For: Frequent flyers

  • Features:

    • Complimentary Vistara Business Class ticket

    • Free Club Vistara Gold Membership

    • 6 Club Vistara points per ₹200 spent

    • Unlimited airport lounge access

5. Axis Bank Flipkart Credit Card

  • Annual Fee: ₹500 + GST

  • Best For: Online shopping

  • Features:

    • 5% unlimited cashback on Flipkart and Myntra

    • 4% cashback on preferred partners like Swiggy and Uber

    • 1.5% cashback on all other spends

    • Complimentary airport lounge access

Key Benefits of Axis Bank Credit Cards

  1. Reward Points & Cashback: Earn reward points or direct cashback on daily expenses like groceries, fuel, dining, and online shopping.

  2. Travel Privileges: Free lounge access, flight discounts, and complimentary air tickets.

  3. Dining Offers: Up to 20% discount at partner restaurants under Dining Delights program.

  4. Global Acceptance: Cards are accepted internationally, making travel easy.

  5. EMI Facility: Convert big purchases into affordable EMIs.

  6. Fuel Surcharge Waiver: Save on fuel transactions at all major petrol pumps in India.

  7. Insurance Cover: Complimentary travel and purchase protection insurance.

Axis Bank Credit Card Eligibility

To apply for an Axis Bank Credit Card, you must meet the following eligibility criteria:

  • Age: 18 to 70 years (primary cardholder)

  • Income: Minimum monthly income of ₹15,000 (varies by card type)

  • Credit Score: Good credit score (usually above 700)

  • Employment: Salaried or self-employed individuals are eligible

  • Nationality: Indian residents or Non-Resident Indians (specific cards only)

Documents Required for Application

You will need to submit the following documents:

  • Identity Proof: Aadhaar, PAN Card, Passport, or Driving License

  • Address Proof: Aadhaar, Voter ID, Utility bills, Passport, Ration card

  • Income Proof: Salary slips, bank statements, or ITR for self-employed

  • Photograph: Recent passport-size photo

Fees & Charges

  • Joining Fee / Annual Fee: Varies from ₹500 to ₹10,000 depending on the card

  • Interest Rate: Around 3.4% per month (40.8% per annum)

  • Cash Withdrawal Fee: 2.5% (minimum ₹500)

  • Late Payment Fee: ₹100 to ₹1,200 depending on outstanding balance

  • Foreign Currency Markup: 3.5% of the transaction value

How to Apply for an Axis Bank Credit Card Online?

Applying for an Axis Bank Credit Card is simple and fully digital. Follow these steps:

  1. Visit the official Axis Bank Credit Card page.

  2. Browse through the available credit cards and select the one that suits your needs.

  3. Click on “Apply Now”.

  4. Fill in your personal details such as name, mobile number, and PAN.

  5. Provide income and employment details.

  6. Upload the necessary documents (Aadhaar, PAN, salary slip).

  7. Submit the application and complete eKYC verification.

  8. Once approved, the card will be delivered to your registered address.

Tips to Get Maximum Benefits from Axis Bank Credit Cards

  • Always pay your bills on time to avoid late charges and maintain a strong credit score.

  • Choose a card that matches your spending habits (shopping, travel, dining, etc.).

  • Make use of reward points before they expire.

  • Track your spends through Axis Bank mobile app.

  • Use cashback cards for daily expenses like groceries and bill payments.

  • Take advantage of lounge access and travel benefits if you are a frequent flyer.

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