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.

Read More – Axis Bank Atlas Credit Card

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

Features	Benefits
Welcome Bonus	25,000 EDGE Miles. ITC Hotel Gift Card worth ₹ 40,000.
Dining Offers	Avail special offers and discounts at 10,000 global restaurants.
Concierge Services	24/7 availability of personalised concierge services for bookings, reservations, and other financial services.
Travel Benefit	Premium concierge services at luxury hotels. Travel bookings and flight tickets offer many offers.
Lounge Access	Unlimited free lounge access at both domestic and international airports.
Reward Points	1 EDGE Mile points for ₹ 100 purchases. 15,000 bonus miles for spending ₹ 20 lakhs to ₹ 30 lakhs in a quarter. 25,000 bonus miles for spending ₹ 30 to ₹ 50 lakhs. 35,000 bonus miles for spending more than ₹ 50 lakhs Reward points can be used in renowned international airlines.
Fuel Surcharge	1% fuel surcharge waiver on transactions between ₹ 400 and ₹ 10,000.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 1,80,000
Annual Fees	₹ 1,80,000
Annual Percentage Rate	12.68%
Add-on Card Fee	₹ 15,000
Foreign Transaction Fee	NIL

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

Features	Benefits
Welcome Bonus	Amazon voucher of ₹ 500 on the first transaction.
Cashback Benefits	25% cashback on payments for Airtel Mobile. 25 % cashback on Bill payments for broadband, WiFi, and DTH bill payments via the Airtel Thanks App.
Lounge Access	4 free lounge access in a year at selected airports.
Fuel Surcharge	1% fuel surcharge waiver on transactions between ₹ 400 and ₹ 4,000.
Dining Benefit	Exclusive 20% discount at 4000-plus partnered restaurants via EazyDiner.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 500
Annual Fees	₹ 500
Annual Percentage Rate	52.86%
Add-on Card Fee	₹ 100
Foreign Transaction Fee	3.50%

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

Features	Benefits
Cashback Benefits	3% cashback on food deliveries. 1% cashback on other spending.
Lounge Access	4 free domestic lounge access in a year.
Fuel Surcharge	1% fuel surcharge waiver on transactions between ₹ 400 and ₹ 5,000.
Dining Benefit	Partnered with 10,000-plus restaurants in India. A 15% discount is given when the transaction is done via Axis Dining Delight.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	NIL
Annual Fees	NIL
Annual Percentage Rate	52.86%
Add-on Card Fee	Free
Foreign Transaction Fee	3.5%

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

Features	Benefits
Welcome Bonus	Provision for 2,500 EDGE Miles on first transaction within 30 days of activation.
Travel Benefits	5 EDGE Miles per ₹ 100 spent. 2 free airport pickup services.
Lounge Access	Free 8 domestic and 4 international lounge access at selected airports.
Dining Benefit	25% discount up to ₹ 800 on dining via EazyDiner.
Reward Points	2% to 10% of reward points, converted into EDGE Miles.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 5,000
Annual Fees	₹ 5,000
Annual Percentage Rate	52.86%
Add-on Card Fee	NIL
Foreign Transaction Fee	3.50%

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

Features

Benefits

Welcome Bonus

Availability of 50,000 Edge Reward Points during the activation of the card, as well as in the renewal of the card membership every year.

Travel Benefits

8 complimentary VIP assistance.

Services of check-ins, immigration process, and porter services.

4 complimentary luxury airport pick-ups every year.

Lounge Access

Unlimited international and national lounge access.

12 complimentary visits for accompanying guests.

Dining Benefit

25% discount on various restaurants.

EazyDiner membership.

Entertainment

₹ 500 discount on buying a movie ticket, for a maximum of 5 times in a month.

50 complimentary golf rounds every year.

Reward Points

15 EDGE reward points for every purchase of every ₹ 200.

Reward rates: 1.5% to 3%.

Fuel Surcharge

1% fuel surcharge waiver on transactions between ₹ 400 and ₹ 4,000.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 50,000
Annual Fees	₹ 50,000
Annual Percentage Rate	42.58%
Add-on Card Fee	Free
Foreign Transaction Fee	1.50%

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.

Also Read - Axis Bank Privilege Credit Card

Features and Benefits

Features	Benefits
Welcome Bonus	Comes with one complimentary premium economy class ticket voucher.
Travel Benefits	Apart from the welcome bonus, there is an availability of 4 complementary premium economy tickets in a year.
Reward Points	4 club Vistara points for every ₹ 200 purchase. Reward rates up to 4%.
Milestone Benefit	3000 Bonus Club Vistara points for every ₹ 75,000 purchase, within 90 days.
Lounge Access	2 complimentary lounge access per quarter in a calendar year.
Dining Benefit	25% discount at partnered restaurants worth ₹ 800.
Fuel Surcharge	1% fuel surcharge waiver.

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

Fees and Other Charges

Fee Type	Charges
Joining Fees	₹ 3,000
Annual Fees	₹ 3,000
Annual Percentage Rate	52.86%
Add-on Card Fee	Free
Foreign Transaction Fee	3.50%

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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