Axis Bank Credit Card – Features, Benefits & How to Apply

Let’s say Gurubhai, a 30-year-old bachelor, is an enthusiastic traveller and shopaholic. Every month, he spends around ₹80,000 on flights, trains, and cabs, ₹50,000 on clothing, gadgets, and souvenirs, and ₹10,000 on hotel stays, totalling ₹1.4 lakh monthly, or ₹16.8 lakhs annually. 

His travel diary boasts over 50 destinations in India and abroad. He has visited 12 states in India, 5 countries overseas, and has collected over 300 souvenirs! One day, he realised his savings account balance of ₹1,20,000 wasn’t enough to fund his next series of adventures. 

Refusing to compromise, he visited his Axis Bank branch. There, a banking executive suggested multiple Axis Bank Credit Cards offering up to 5% cashback, ₹1,000 worth of welcome benefits, and airport lounge access. 

This blog dives into Axis Bank Credit Cards and their benefits.

Axis Bank Credit Cards: An Introduction

Axis Bank credit cards boost your spending power with cashback, rewards, and exclusive discounts. Perfect for travellers and shoppers alike, they offer lounge access and lifestyle benefits. 

More than just a card, it unlocks a world of privileges, making every purchase smarter and every experience more rewarding.

Example: An Axis Bank credit cardholder can make a fuel transaction of ₹ 600 at a 1.5% surcharge, leading the cardholder to pay ₹ 609. This ₹ 9 may be waived later on.

Required Documents and Eligibility for Axis Bank Credit Cards

As per the bank’s rules, those who are willing to apply for the Axis Bank credit card should have the following mandatory documents:

• Identity Proof: Aadhaar Card, driving license, PAN card, Voter ID, or Passport.
• Address Proof: Electricity Bill, Ration card, previous month’s bank statement, or telephone bill
• Income Proof: Latest Payslip, Form 16, or Income Tax Return.

However, despite having the mandatory documents, the following eligibility criteria are also taken into consideration by the Axis Bank:

• Age: 18 to 70 years
• Income: Depending on the income, the bank sanctions the credit card type.
• Credit History: The credit history of an applicant must be satisfactory.
• Credit Score: The bank also examines the credit score of an applicant.

Example: If the CIBIL score is 763, the applicant is considered to be excellent. Such applicants can avail a premium credit card which encompasses offers like 20% cashbacks, 25% special discounts, and unlimited points for every ₹ 100 purchase.

Different Types of Axis Bank Credit Cards

1. Axis Bank PRIMUS Credit Card

This is a premium credit card, specially designed for those who prefer luxury. It incorporates a vast benefits such as access to 1000-plus premium airport lounges, reward points, and other personal financial services from the bank.

Features and Benefits

The following distinctive features and benefits of this credit card make the customers pick this as their top priority

Example: If the applicant has ₹ 1,80,000 and above, he or she can avail this credit card.

Fees and Other Charges

2. Airtel Axis Bank Credit Card

This is a merger between Bharat Airtel and Axis Bank, which provides many offers on Airtel services such as DTH, Wifi, broadband, and many other services from Airtel Company. This credit card also comes with special offers that can be used in an online food delivery business. 

Features and Benefits

Example: The cardholder can get 4 free lounge accesses at select airports. 

Fees and Other Charges

3. Fibe Axis Bank Credit Card

This is a lifetime free credit card, in which the cardholder can earn 3% cashback on food deliveries. Besides, this card incorporates 4 free airport lounge accesses, and a 15% discount on dining bills through Axis Dining Delights. 

Features and Benefits

Example: If the food delivery charge is ₹ 6,500, then the cardholder can pay ₹ 6,305. 

Fees and Other Charges

4. Axis Bank Atlas Credit Card

This credit card is designed exclusively for frequent travellers. This credit card incorporates numerous exciting offers, which match the travelling needs and requirements. The free airport lounge access is the distinctive feature of this credit card.

Features and Benefits

Example: The cardholder gets 2,500 bonus points within 30 days of card activation.

Fees and Other Charges

5. Axis Bank Reserve Credit Card

It is a luxurious credit card, which consists of premium services such as membership in one of the leading clubs, booking of free tickets in BookMyShow, and with vast special discounts.

Features and Benefits

Example: The cardholder can enjoy unlimited international lounge access in a day

Fees and Other Charges

6. Axis Bank Vistara Signature Credit Card

This credit card is quite budget-friendly and incorporates various offers. A frequent traveller who wants a budget-friendly travel plan can opt for this credit card.

Features and Benefits

Example: If the cardholder makes ₹ 75,000 purchases on different categories, he will get 3000 bonus points. 

Fees and Other Charges

Conclusion

The realm of Axis Bank’s credit card provides interesting offers and benefits, which help people like Gurubhai to spend wisely, without draining their savings. The joining fees and annual percentage may look higher, but the benefits borne by these credit cards make the shopping and purchases more memorable.

FAQs

1. Can an NRI apply for an Axis Bank credit card?

Yes, an NRI can apply for an Axis Bank Credit Card.

2. What is the minimum age eligibility to avail Axis Bank credit card?  

The minimum age eligibility is 18 years of age.

3. Is it necessary to submit income proof?

Yes, an applicant must submit their income proof so that the bank can sanction a suitable credit card.

4. What is the maximum age limit to apply for a credit card?

The maximum age limit is 70 years of age.

5. Can I furnish the electricity bill as proof?

Yes, it can be submitted. However, it should be the bill of the last two months, and not older than that.

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