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Explore Credit Cards

Get to know all about Axis Bank Credit Cards right here. Axis Bank understands your financial needs, so they’ve got different credit cards just for you. Each card has perks, like cashback, rewards, or travel benefits. So, if you want to find the perfect card to match your lifestyle and spending habits, keep reading below. It’s all about making your life easier and your wallet happier!

Top Axis Bank Credit Cards in India 2025

Axis Bank Credit Cards come with many rewards, discounts, and other privileges that can capture your imagination. Let’s find all of those in the below table.

S.No	Credit Card Names	Joining Fee	Welcome Benefits
1	Axis Bank Neo Credit Card	NIL	NIL
2	Axis Bank MY Zone Credit Card	500	NIL
3	Flipkart Axis Bank Credit Card	500	Flipkart: Get ₹500 Flipkart vouchers on your first transaction with the Flipkart Axis Bank Credit Card. Swiggy: Enjoy a 50% instant discount, up to ₹100, on your 1st Swiggy order. Use the code "AXISFKNEW".
4.	Airtel Axis Bank Credit Card	500	Get a ₹500 Amazon eVoucher on your first transaction within 30 days of card issuance.
5	IndianOil Axis Bank Credit Card	500	On fuel, earn 100% valueback, within the first 30 days of card issuance.
6	REWARDS Credit Card	1,000	NIL
7.	Axis Bank ACE Credit Card	NIL	NIL
8.	Axis Bank Magnus Credit Card	12,500	Choose any voucher worth Rs.12,500, from the below option -  Yatra Gift Voucher, The PostCard Hotels gift voucher, Luxe gift card.
9.	Axis Bank Vistara Credit Card	1,500	Receive 1 Complimentary Economy Ticket Voucher as a welcome gift on fee payment upon joining.
10.	Axis Bank Select Credit Card	3,000 (NIL for Burgundy Customers)	Earn 10,000 EDGE REWARD Points, valued at Rs. 2,000 on your first card transactions.

Note – A standard 18% GST would be levied on annual and joining fees of the credit cards.

Best Axis Credit Card Benefits

Axis Bank Neo Credit Card 

• Enjoy a monthly 40% discount of up to Rs. 120 with a minimum spend of Rs. 200 twice a month on Zomato by using coupon code: AXISNEO.
• Earn EDGE REWARDS points with the Neo Credit Card. Get 1 point for every Rs. 200 spent and redeem from 500+ exciting rewards and offers.
• With Axis Bank Neo Credit Card you can get 100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance.
• Brighten your Wednesdays with exclusive deals:-
• Up to 15% off on flights & hotels via Goibibo and MakeMyTrip.
• 10% off on Swiggy.
• 10% off (up to ₹1,000) on Tira.

Axis Bank Neo Credit Card Charges & Fees

DESCRIPTIONS	CHARGES
Joining Fee	Rs. 250 (Lifetime Free For Select*Channels)
Annual Fee (SecondYear Onwards)	1stYear: Nil  2ndYearOnwards: Rs. 250  Lifetime Free For Select*Channels
Add-OnCard Joining Fee	Nil
Cash Payment Fee	Rs. 175
Balance Enquiry Charges	Waived
CashWithdrawal Fees	2.5%(Min.Rs. 500) of The Cash Amount
Over Limit Penalty	2.5%OfOver The LimitAmount(Min.Rs. 500)
Foreign Currency Transaction Fee	3.50%Of The Transaction Value

Axis Bank MY Zone Credit Card

• Get 100% off your second movie ticket via the District app with the MY ZONE Credit Card.
• Save up to ₹200/month.
• Use code AXIS200 for the discount.
  Note: No reward points on movie bookings.
• By using code AXIS120, get a flat Rs—120 discount per order on a minimum spend of Rs. 500 on Swiggy.
• Customers can redeem only twice per month per user on Swiggy.
• Offer cannot be applied to Haldiram’s restaurants across India.
• Enjoy 1 complimentary lounge access per quarter at select Indian airports with your Axis Bank My Zone Credit Card. 

Axis Bank MY Zone Credit Card Charges & Fees

DESCRIPTIONS	CHARGES
Joining Fee	Rs. 500
Annual Fee	1st Year: Nil  2ndYearOnwards: Rs. 500
Add-OnCard Joining Fee	Nil
Add-OnCardAnnual Fee	Nil
CardReplacement Fee	Nil
Cash Payment Fee	Rs. 175
Duplicate Statement Fee	Waived
Foreign Currency Transaction Fee	3.50% of The Transaction Value
Reward PointRedemption Fee	Yes

Flipkart Axis Bank Credit Card

• Get 5% unlimited cashback on Flipkart and Cleartrip spends. You can also earn 4% unlimited cashback on Preferred Merchants. 
• Enjoy 1% cashback on other eligible spends. Cashback is credited directly to your card statement. 
• Enjoy 4 complimentary lounge visits to select Indian airports annually with your Flipkart Axis Bank Credit Card, on a minimum spend of ₹50,000 in the last 3 months.
• Save up to 15% on flights & hotels via Goibibo and MakeMyTrip.
• Enjoy 10% off on orders via Swiggy.
• Get 10% off, up to ₹1,000, on Tira.

Flipkart Axis Bank Credit Card Charges & Fees

DESCRIPTION	CHARGES
Joining Fee	Rs.500
Annual Fee	From 2nd year onwards. Annual fee waived on spends over ₹3,50,000. Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for the fee waiver.
Add-on card joining fee	Nil
Add-on card annual fee	Nil
Card replacement fee	Nil
Cash payment fee	Rs.175
Cash Withdrawal Fees	2.5%(min Rs.500) of the cash amount.

Airtel Axis Bank Credit Card

• 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via the Airtel Thanks app.
• 10% cashback on utility bill payments (gas, electricity, etc.) via the Airtel Thanks app.
• 10% cashback on Swiggy, Zomato, and bigbasket.
• 1% cashback on all other spends.
• Your credit card statement receives a straight credit for cashback.
• Enjoy 4 complimentary lounge visits to select airport lounges in India per year with your Airtel Axis Bank Credit Card, on spends of ₹50,000 in the previous 3 months.

 Airtel Axis Bank Credit Card Charges & Fee

DESCRIPTION	CHARGES
Joining Fee - Primary Card	Rs.500/-
Joining fee – Add-on Card	Waived
Annual fee - Primary Card	Annual Fee: ₹500, waived in the 2nd year onwards on annual spends over ₹2,00,000. Note: Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for the fee waiver.
Annual fee – Add-on Card	Waived
Card replacement fee – Add-on Card	Rs.100/-
Cash Payment fee	Rs.175/-
Transaction Alert SMS	Free
Cheque return dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. INR 500.
Foreign currency transaction fee	3.50% of the transaction value.
Rent Transaction fee	Rental transactions will be subject to a 1% transaction charge. GST will be applicable as notified by

IndianOil Axis Bank Credit Card

• Enjoy 4% value back on fuel transactions by earning 20 reward points for every ₹100 spent at any IOCL fuel outlet in India.
• Transact between ₹400 to ₹4,000 at IOCL fuel outlets in India to avail of the offer.
• Maximum eligible spends per month: ₹5,000.
• This is only applicable for fuel transactions with MCC 5541, 5542, and 5983.
• For every ₹100 spent on internet purchases, you will receive 5 reward points.
• Transact between ₹100 and ₹5,000 at online merchants to avail of the offer.
• Maximum eligible spends per month: ₹5,000.
• Beat the mid-week blues with exciting Wednesday offers!
• Save up to 15% on flights & hotels via Goibibo and MakeMyTrip.
• Get 10% off on orders via Swiggy and Amazon Fresh.
• Enjoy 10% off (up to ₹1,000) on Tira.
• Enjoy an instant discount of upto 10% on your ticket bookings via the BookMyShow app or Website.
• Indulge in delightful dining with Axis Bank Dining Delights, offering up to 15% off at partner restaurants in India via EazyDiner. 

IndianOil Axis Bank Credit Card Charges & Fees

DESCRIPTION	CHARGES
Joining Fee	Rs.500
Annual Fee	1stYear -Nil  2ndYearOnwards: Rs. 500
Cash Payment Fee	Rs.175
Add-OnCard Joining Fee	Nil
Add-OnCardAnnual Fee	Nil
CashWithdrawal Fees	2.5%(Min.Rs. 500)Of TheCashAmount
ForeignCurrency Transaction Fee	3.5% Of The Transaction Value
G.S.T	As Per Existing Government Norms

Axis Bank REWARDS Credit Card

• Earn unlimited 2 EDGE REWARD points for every ₹125 spent.
• Get 10X points on every ₹125 spent at apparel and departmental stores.
• Accelerated points for spending up to ₹7,000 per month on select categories.
• Your EDGE account will receive a straight credit of reward points.
• Enjoy memberships worth up to ₹1,000 every anniversary year.
• Eligible customers will receive the membership link via SMS on their registered mobile number within 60 days of becoming eligible.
• Indulge in delightful dining with Axis Bank Dining Delights, offering up to 15% off a maximum of Rs. 500 at partner restaurants in India by presenting the card at the time of billing. 
• Beat the mid-week blues with exclusive Wednesday offers.

REWARDS Credit Card Charges & Fees

DESCRIPTION	FEES
Joining Fee	Rs.1,000
2nd Year Onwards	Annual fee of ₹1,000 waived on annual spends of ₹2,00,000 and above. Note: Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for the fee waiver.
Add-on card annual fee	Nil
Finance charges	3.75%PerMonth (55.55%Annual)
Cash withdrawal fee	2.5%(MinRs. 500)Of TheCashAmount
Fee for cash payment	Rs.175
Cheque return dishonor fee or auto-debit reversal	2%Of The PaymentAmount Subject ToMinRs. 500

Axis Bank ACE Credit Card

• 5% cashback* on Google Pay recharges and bill payments
• 4% cashback* on Ola, Zomato, and Swiggy
• 1.5% cashback* on additional purchases.
• 4 Free lounge admission at a few domestic airports Waiver of 1% fuel fee.
• 1% fuel surcharge waiver at all fuel stations across India.
• Valid for purchases between ₹400 and ₹4,000; monthly maximum benefit of ₹100.
• GST on fuel surcharge is refundable.
• No cashback is earned on fuel transactions.

Axis Bank ACE Credit Cards Charges & Fees

Description	Charges
Joining Fee	Rs. 499 0 (for select channels – limited-time offer)
Annual Fee	Annual Fee: ₹499 from the 2nd year onward. Fee waived on annual spends over ₹2,00,000. Note: Rent transactions (MCC 6513) and wallet load transactions (MCC 6540) are not eligible for the fee waiver.
Card Replacement fee	NiL
Cash Payment fee	Rs.175
Duplicate Statement Fee	Waived
Finance Charges (Retail purchases and Cash)	3.75% per month (55.55% per annum)
Mobile alerts for transactions	Free
Foreign currency transaction fee	3.5% of the transaction value

Axis Bank Magnus Credit Card

• Select any one voucher valued at Rs. 12,500 from the following choices:
• LUXE Gift Card 
• The Postcard Hotels gift voucher or Yatra Gift Voucher. 
• You can enjoy unlimited airport lounge access at selected airports within India. 
• You can enjoy discounts at over 4,000 restaurants in India upto 30%. 

Axis Bank Magnus Credit Cards Charges & Fee

Description	Charges
Interest rate	3%
Forex-mark up	2%
Cash Withdrawal Charges	Nil
Rent Transaction Fee	1% per transaction (Rs. 1500)
Dynamic Currency Conversion Markup	1% plus taxes

Axis Bank Vistara Credit Card

• With the Axis Bank Vistara Credit card, you can enjoy Maharaja Club membership and privileges. 
• Instant savings of up to 15% on hotel and flight bookings through Goibibo and MakeMyTrip.
• Get 2 complimentary Lounge Access at selected airports in India. 
• Ordering via Swiggy or Amazon Fresh gets an instant 10% off. 
• Ordering from Tira you can get Rs. 10% off up to Rs. 1000.  
• You can earn 2 CV points each by spending Rs.200.
• Earn up to 3 additional Economy Tickets on achieving milestone spends.

Charges	VISTARA CARD	VISTARA SIGNATURE	VISTARA INFINITE
Standard Joining Fee	Rs. 1,500	Rs. 3,000	Rs. 10,000
Standard Annual Fee (2nd year onwards)	Rs. 1,500	Rs. 3,000	Rs. 10,000
Standard Add-on Card Joining Fee	Nil	Nil	Nil
Standard Add-on Card Annual Fee	Nil	Nil	Nil
Fee for Cash Payment	Rs. 175/-	Rs. 175/-	Rs. 175/-

Axis Bank Select Credit Card

• Flat ₹500 Off that will be valid on a minimum purchase of ₹3,000 on the BigBasket mobile app or website. The offer can be availed once per month per user.
• *Applicable only on transactions made using select credit cards.*
• Flat ₹200 Off: Applicable on the Swiggy mobile app or website. Use the code "AXIS200" at checkout. Valid twice a month on a minimum transaction of ₹1,000 per order.
• Offer valid only on transactions made using select credit cards.
• International Lounge Access: Enjoy up to 12 complimentary international airport lounge visits with a Priority Pass Membership. 
• Domestic Lounge Access: Avail 2 complimentary domestic lounge visits per quarter upon spending ₹50,000 in the last 3 months. 
• Priority Pass Renewal: The Priority Pass will automatically renew upon meeting ₹3 lakhs in spending during the preceding card anniversary year.

CHARGES	SELECT CREDIT CARD
Standard Joining Fee	Rs.3000 (Nill for Bugandy Credit Card)
Finance Charges (Retail Purchases & Cash)	3.75%PerMonth (55.55%PerAnnum)
Cash Withdrawal Fees	2.5%(Min.Rs 500) Of Cash Amount
Fee For Cash Payment	Rs. 175
Foreign Currency Transaction Fee	3.50%Of The TransactionValue
Rent Surcharge Fee*	1%Of TheRental TransactionAmount Plus Taxes

*A rent surcharge fee of 1% will be applicable on each rental transaction made using Axis Bank credit cards. GST will be applicable as notified by the Government of India. Merchant Category Code 6513 will be used to identify rent transactions. This revision is effective from December 20, 2024.

Axis Bank Atlas Credit Card

• Enjoy 2,500 EDGE Miles as a welcome benefit upon making your first transaction on the ATLAS credit card within 37 days of card issuance.
• Exclusive access to domestic and international lounges for both primary cardholders and their accompanying guests.
• A dining offer providing 25% off, up to ₹800, at participating restaurants via EazyDiner. *Valid on a minimum order value of ₹2,500 and once per month per card.
• A dedicated Miles Transfer Program for Axis Bank credit cardholders, allowing you to convert EDGE Miles to partner program Miles for travel bookings.
  1 EDGE Mile = 2 Partner Miles.

Description	Charges
Standard Joining Fee	Rs. 5000
Standard Fee from 2nd year onwards	Rs. 5000
Cash Withdrawal Fees	2.5% (Min. Rs 500) of the Cash Amount
Fee for Cash Payment	Rs. 175
Card Replacement	Nil
Over Limit Penalty	2.5% of the over-limit amount (Min. Rs 500)
Cheque return dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. Rs.500
Foreign Currency Transaction Fee	3.50% of the transaction value

Other Important Axis Bank Credit Cards with Benefits

Credit Card Names	Description
Axis Bank AURA Credit Card	You can get a Decathlon and Amazon voucher worth Rs. 750 as a welcome benefit.  15% off, up to ₹500, applicable on a minimum order value of ₹1,500. Valid twice per card, with a maximum benefit of ₹1,000 per month. Instant savings of up to 15% on flights and hotels via Goibibo and MakeMyTrip. 10% off on orders via Swiggy and Amazon Fresh. 10% off, up to ₹1,000, on Tira.
Axis Bank Pride Platinum Credit Card	Axis Bank Dining Delights offers up to 15% off at their partner restaurants in India. Offer details: 15% off, up to ₹500, applicable on a minimum order value of ₹1,500. Valid twice per card, with a maximum benefit of ₹1,000 per month. 1% fuel surcharge waiver on transactions in India with an A Platinum Credit Card. Valid on transactions between ₹4,000 only. Maximum benefits of up to ₹2,000 per cycle. GST on the fuel surcharge is refundable.  *No EDGE REWARD points are earned on fuel transactions made using the credit card.
Axis Bank Pride Signature Credit Card	The Pride Signature Credit Card offers complimentary access to airport lounges within India, a minimum 15% discount at all partner restaurants, and a fuel surcharge waiver on fuel transactions, up to ₹400 per month. Enjoy 2 complimentary visits per calendar quarter to select airport lounges within India with your Axis Bank Pride Signature Credit Card. Discover new cuisines and flavors with Axis Bank Dining Delights, offering a minimum of 15% off* at partner restaurants.
Privilege Easy Credit Card	Get 12,500 EDGE reward points, worth ₹2,500, redeemable against vouchers upon payment of joining fees and completion of the first transaction within 30 days of card issuance.  Get an additional 10,000 EDGE reward points, worth ₹2,000, upon reaching a spending milestone of ₹2.5 lakhs in a card anniversary year. An annual fee of ₹1,500 will be applicable unless a spend of ₹5 lakhs is achieved in the card anniversary year. The spend threshold for the annual fee excludes rent and wallet transactions, with the Merchant Category Code for Rent and Wallet being 6540. This revision is effective from March 2023. Enjoy two complimentary accesses per calendar quarter to select domestic airport lounges with the Axis Bank Privilege Credit Card. A minimum spend of ₹50,000 in the prior 3 months is required to be eligible for access. Enjoy up to 20% off at over 4,000 partner restaurants. Get a fuel surcharge refund on transactions across India with Axis Bank Privilege Card. Valid on transactions above ₹4,001 only. Service tax on fuel surcharge is refundable.No reward points on fuel transactions. Maximum benefit of ₹400 per month. Instant savings of up to 15% on Goibibo and MakeMyTrip, 10% off on Swiggy Fresh orders, and 10% off up to ₹1,000 on Tira.
Axis Bank Signature Credit Card with Lifestyle Benefits	Enjoy Satya Paul gift vouchers, a 15% discount on dining, and 10/20 points for every ₹200 spent on domestic/international transactions. 50% cashback on movie tickets, and  Up to 15% discounts on dining.
Platinum Credit Card	Up to 25% cashback on movie tickets. Fuel surcharge waiver up to ₹400 per month. Convert transactions above ₹2,500 into EMIs. Minimum 15%* off at partner restaurants.
Titanium Smart Traveller Credit Card	A card packed with exciting travel benefits to make your journey even more rewarding: 8 points for every ₹200 spent on international travel. Fuel surcharge waiver.
Axis Bank My Wings Credit Card	Two base flight tickets are complimentary.  On credit, earn 4 points, after spending Rs. 200 Get upto 20%cashback on fare domestic flight bookings.
Flipkart Axis Bank Super Elite Credit Card	500 Supercoins on card activation. 12% Supercoins for Flipkart Plus customers and 6% for Non-Plus customers on Flipkart, capped at ₹2,500 per transaction. 2% Supercoins on all other spends, uncapped. Annual fee waiver on spends over ₹2 lakh.
Cashback Credit Card	Get up to 7% cashback on all eligible online spends. 0.75% cashback on retail and travel spending (both online and offline). 0.5% cashback on utility spends. Joining fee: ₹1,000. Annual fee: ₹1,000 (waived on spends of ₹4,00,000 in an anniversary year).

Axis Bank Credit Card Eligibility

You can check the Axis Bank Credit Cards eligibility criteria below.

• The minimum age limit of the primary credit cardholder must be 18 years or above.
• The maximum age of the primary cardholder must not exceed 70 years.
• You should be an Indian Resident to apply for the Axis Bank Credit Card.
• 15 years is the minimum age needed for the add-on cardholders. 
• You must have a stable income as per the credit card income requirement to apply for the card. 
• The minimum Cibil Score needed for this card is 750 or above.
• Income criteria depend and vary from card to card.

Axis Bank Credit Card Charges

Below are some common charges applicable to almost all Axis Bank Credit Cards:

Fee Type	Amount
Joining/Annual Fee	It may vary from Axis Credit Cards
Finance Charges	Up to3.6% per month or 52.86% p.a.
Late Payment Fee	For the outstanding balance of: Up to Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200

Depending on the type of credit card, some fees could change. Please refer to the specific terms and conditions for your respective card. For detailed information on other fees associated with Axis Credit Cards, please visit the official Axis Bank website or contact customer support."

Axis Bank Credit Card Documentation

Remember to provide the necessary paperwork to prove your identification, address, income, and other details.

• 1 passport-size photograph
• Original PAN Card and its photocopy.
• As proof of income, use Form 16 or a copy of your income tax return or your last six months' worth of pay stubs.
• Passport, Ration Card, Electricity Bill, or Landline Telephone bill as Residence Proof.

How to Apply for Axis Bank Credit Card at Wishfin?

So you have picked out one from the long list of credit cards. The next thing you need to do is to apply at Wishfin, an online loan and credit card comparison platform that displays the offers of different lenders such as Axis Bank. As soon as you apply, the executives here will help you at each stage from application to post-approval. They would keep you updated and help you choose the right option. Unlike when you visit the branch and wait for the concerned official to take your case forward, the online option allows you to apply anytime, anywhere from the convenience of home or office. So, do apply at Wishfin and get the card you want.

How to Apply on Axis Bank Website?

You can apply for Axis Bank Credit Card Online by following the steps shown below.

• Log on to the Axis Bank website.
• To apply for a credit card from Axis Bank, click the "Apply Now" button.
• Mention the personal and professional details correctly.
• Click on the tick box authorizing Axis Bank representatives to call or text an SMS to you concerning the credit card application.
• The bank will contact you for further details and process your application further.

What are the Steps to Apply for Axis Bank Credit Card at Bank Branch?

• Visit the nearest Axis Bank branch
• Ask the concerned official to give you the Credit Card Application form
• Fill the details properly besides ticking on the particular Axis Credit Card you want
• Submit the form along with relevant documents to the official

The bank will approve application only when the details submitted are matched with the corresponding documents.

How To Redeem Axis Bank Credit Card Rewards?

Redeeming Axis Bank credit card reward points is a straightforward process. Here’s how you can do it:

1. Via Internet Banking

• Log in to Axis Bank’s Internet Banking portal with your credentials. 
• Navigate to the "Rewards" section under the credit card menu.
• Select the card for which you want to redeem points.
• Browse the rewards catalog and choose your desired product or voucher.
• Confirm your selection and proceed with the redemption.

2. Through the Mobile App

• Open the Axis Bank Mobile App and log in.
• Visit the "Credit Card" section and then click on "Reward Points".
• Browse the available rewards and select an option.
• Follow the instructions to redeem your points.

3. Using the Axis Edge Rewards Website

• Visit the Axis Edge Rewards website.
• Register or log in with your Axis Bank credit card details.
• Explore the rewards catalog, including gift vouchers, merchandise, travel, and cashback.
• Add your chosen item to the cart and complete the redemption process.

4. Customer Care

• Call the Axis Bank customer care helpline using your registered mobile number.
• Request assistance for reward point redemption.
• The representative will guide you through the process.

5. Email

• Send an email to Axis Bank’s customer service team with your credit card details and redemption request.

Redemption Options

• Merchandise: Choose from a variety of products available in the rewards catalog.
• Gift Vouchers: Exchange points for gift cards from well-known companies.
• Travel Rewards: Use points for flight tickets, hotel bookings, or holiday packages.
• Cashback: Convert reward points into statement credit, subject to terms and conditions.
• Charity: Donate your points to social causes or NGOs listed by Axis Bank.

How Can You Know Your Axis Bank Credit Card Application Status?

It’s important to track your credit card application status. You can check online to see if your application is approved, delayed, or rejected. Alternatively, contact the customer care number or the branch where you applied. If there are discrepancies in your application, correct them and reapply. Once approved, your credit card will be issued.

How Can I Know My Credit Card Limit?

You can be intimated of your credit card limit at the time of card issuance. The credit limit would, however, depend on your income, credit score, and repayment potential. The greater the CIBIL score, the higher the chances of getting approval for a credit card. The scores range from 300-900, depending on the pattern of your loan or card repayment routine. A timely repayment with no record of default can help you score 750 and above to get the approval..

How to Make Axis Bank Credit Card Payment Online?

Here are some points, through which you will be able to learn about how to make Axis Bank Credit Card payments online - 

• Make the payment on or before the due date to avoid late payment charges. 
• With online, you can do away with the hassles of visiting the branch to deposit cash or cheque to pay the bills. 
• You can subscribe to the Internet Banking of Axis Bank and set an ‘Auto Pay’ to get your outstanding dues paid automatically. 
• The bank will send an SMS alert on your mobile before the bill is generated. 
• You can also use the Internet Banking of other banks to do the same. 
• Besides, you can pay the dues by taking the route of the payment gateway.

Axis Bank Credit Card Customer Care Number

Do feel free to raise your query or complaints regarding Axis Bank Credit Cards by calling the 24×7 toll-free customer care number 1800 209 5577, 1800 103 5577. The customer care executives will give prompt and appropriate responses to your queries and try to resolve them ASAP.

How Can You Get Your Axis Bank Credit Card Statement?

You may not be paying much attention to the statement that the bank issues on a month-on-month basis. If that is the case, then change your habits and check your statement thoroughly. There can be a few wrong entries to the bill. On checking the statement, you can find that and bring it to the notice of the bank to rectify the discrepancy.

The statement, as a whole, gives you a detail of the shopping made in a particular billing cycle. It also shows the total due, the due date, the minimum due, etc. The minimum due is calculated at 5% of the total outstanding balance in a particular billing cycle.

Here are a few simple ways through which you can get an  Axis Bank Credit Card Statement- 

1. Email Statement

• Axis Bank sends monthly credit card statements to your registered email address.
• Ensure your email ID is updated with the bank.
• Open the email and download the statement in PDF format. It is password-protected for security.

2. Internet Banking

• Log in Axis Bank Internet Banking account.
• Go to the “Credit Cards” section.
• Select your card and view or download the statement for the desired period.

3. Mobile Banking App

• Open the Axis Bank Mobile App.
• Log in using your credentials.
• Navigate to the “Credit Card” section.
• Choose which statement you wish to read or save.

4. SMS Banking

• Send an SMS in the specified format to Axis Bank’s customer care number using your registered mobile number.
• You will receive a link to download your credit card statement.

5. Axis Bank Branch

• Visit your nearest Axis Bank branch.
• Request a printed copy of your credit card statement from a bank representative.

6. Customer Care

• Contact Axis Bank’s customer care via phone or email.
• Request your credit card statement. They might send it to the email address you registered.

7. Axis Bank Website (Without Login)

• Visit the official Axis Bank website.
• Use the "Download Statements" option by entering your card details and registered mobile number.
• Authenticate via OTP to access your statement.

8. ATM

• Some Axis Bank ATMs offer the option to view or print a mini statement for credit cards.

What are the Reasons for the Axis Credit Card Interest Rate Charges?

The interest rate on an Axis Bank credit card may be charged for several reasons. Here’s an explanation of common scenarios:

1. Late Payment

• If the total outstanding amount or the minimum due is not paid by the due date, the bank charges interest on the overdue amount.

2. Carrying Forward Outstanding Balance

• If you pay less than the total amount due (e.g., only the minimum due), the remaining unpaid balance attracts interest until fully cleared.

3. Cash Advances

• When you withdraw cash using your credit card, interest is charged from the transaction date until the amount is repaid in full.
• Unlike regular purchases, there’s no interest-free period for cash withdrawals.

4. Loss of Interest-Free Period

• If the previous month’s balance is not fully paid, new purchases will also incur interest from the transaction date.

5. Default on EMIs

• If you opt for an EMI conversion plan and fail to pay the monthly installment, the bank charges interest along with penalties.

6. Exceeding Credit Limit

• If you spend beyond your assigned credit limit, the excess amount may attract additional interest charges along with an over-limit fee.

7. Balance Transfers

• If you transfer the balance from another credit card to your Axis Bank card under a promotional rate, failing to pay on time may result in the standard interest rate being applied.

8. Returned Payment

• If a cheque or electronic payment made towards your credit card bill is dishonored or returned, interest and penalty charges may apply.

How to Avoid Interest Rate Charges?

• Always pay the total amount due by the due date.
• Avoid using your credit card for cash withdrawals.
• Keep spending within your credit limit.
• Opt for EMI plans carefully and ensure timely payments.

Does and Dont's of Using Credit Card

1. Don’t Max Out Your Credit Limit

• Spending close to or beyond your limit can harm your credit score and incur over-limit fees.

2. Avoid Minimum Payments Only

• Paying just the minimum due repeatedly leads to high interest on the remaining balance, increasing your debt burden.

3. Don’t Withdraw Cash Frequently

• Credit card cash withdrawals attract immediate interest and hefty fees. Use this option only in emergencies.

4. Don’t Ignore Terms and Conditions

• Understand the fees, interest rates, and reward program details associated with your card to avoid surprises.

5. Avoid Applying for Multiple Cards at Once

• Multiple applications can lower your credit score and make you appear credit-hungry to lenders.

6. Don’t Share Card Details

• Never share your card number, CVV, or PIN with anyone to prevent fraud.

7. Avoid Missing Payments

• Missing payments negatively impact your credit score and result in additional fees.

Conclusion 

Axis Bank credit cards offer a wide range of benefits customized to suit diverse financial needs, including rewards, cashback, travel perks, and lifestyle privileges. Whether you’re a frequent traveler, a shopaholic, or someone seeking cashback savings, Axis Bank has options for every customer segment. Overall, Axis Bank credit cards are an excellent choice for individuals looking for convenience, rewards, and financial flexibility. With proper usage and management, they can significantly enhance your financial lifestyle.