Axis Bank Credit Card – All You Need to Know

Everybody now uses credit cards. This is because due to modern advancement, credit cards have become one of the easiest ways to make payments without carrying cash bundles. With credit cards, we can easily make fast and secure transactions from where we are.

Axis Bank credit cards usually come with cashback and reward points to enhance your purchase savings when you use them. Among the wide range of card providers, Axis Bank is distinguished by its incredible card variety for various types of life necessities and needs.

In this post, we will explore the world of Axis Bank credit cards and uncover their advantages, as well as how they can streamline your financial life.

What are the benefits of Using Axis Bank Credit Cards?

Below are some of the benefits you get while using an Axis credit card:

Secure and Cashless Transactions

With Credit cards, carrying out payments and transactions are very easy and secure. A major primary advantage of using a credit card is the ability to make secure payments without the need to carry cash bundles. Advanced security measures like chip technology and CVV codes are used by Axis Bank to protect your financial information from being misused.

Amazing Rewards and Cashbacks

With Axis Bank credit cards, you are eligible for various rewards programs, allowing you to earn reward points or cash back as you make transactions.

Complimentary Add-on Cards for Family

Axis Bank understands the importance of family finances. With Axis bank cards, you can obtain complimentary add-on cards for your loved ones, allowing them to make purchases while still earning rewards on a single account.

Exclusive Offers and Discounts

As an Axis Bank credit cardholder, you gain access to a world of exclusive offers and discounts across various categories, including dining, shopping, travel, and entertainment. These special deals can help you save money while enjoying the finer things in life.

Insurance Coverage

Insurance covers lost card liability, air accidents, etc. These added benefits provide peace of mind and safeguard you against unforeseen circumstances.

Features of Axis Bank Credit Cards

Wide range of credit cards for different needs such as; Travel cards to earn air miles and lounge access, Premium cards for high-income customers, and Cards for online shopping cashback.
Accepted at millions of merchants in India and abroad.
Co-branded cards with popular brands like Vistara and Flipkart
Earn reward points or cashback on spending (More points/cashback for specific categories).
Complimentary add-on cards for family members.
Special privileges and offers like Dining, shopping, hotel discounts, and Golf benefits for premium cards.
Insurance coverages like Lost card liability protection and air accident insurance are included.
High credit limits for eligible customers.
Option to convert big transactions into EMIs.
Manage card through internet banking and mobile app.

The key features above make Axis Bank credit cards convenient for payments and transactions while providing rewards, privileges, and insurance benefits based on the card type, rates, costs, and fees.

Cost, Rates, and Fees for Axis Bank Credit Card

Annual fees charged range from Rs. 500 to Rs. 10,000+. It also depends on type of card.
Interest charges on outstanding balances are 3.49% per month (42% per year). There is no interest for 50 days if paid in full.
Late payment fees start from Rs. 100. You can also be charged if payment is missed by the due date.
Cash advance fee starts around 2.5% of cash withdrawn.
No foreign currency transaction fee.
Special fees may apply for premium cards

The rates and fees vary based on the Axis Bank credit card type and usage. It’s important to check and understand the applicable charges.

How to Apply for an Axis Bank Credit Card

Follow the easy steps below to quickly apply for an Axis Bank Credit Card.

Visit Axis Bank website axisbank.com
Go to the ‘Credit Cards’ section
Choose the card you want to apply for
Fill up the application form and enter personal details like name, date of birth, etc.
Mention residence, employment, income, and existing loan/card details.
Upload required documents or Identity proof (Aadhaar, PAN, etc.)
Also submit your Residence proof and proof of income like salary slips, bank statements etc.
Submit the completed application form
If approved, the new credit card will be issued

The application is simple and can be done online or by visiting a branch. Having all required documents ready makes it easier.

How to Activate and Use Your Card

Here are some simple points on how to activate and use your Axis Bank Credit Card:

How to Activate:

After receiving your new credit card, you need to activate it

Call the number given in the card welcome kit.
Follow the instructions to activate using the OTP/PIN provided.

Alternatively, you can also activate instantly using the Axis Mobile banking app/internet banking.

How to Use:

For purchases at stores:

Swipe/insert your card at the payment terminal.
Enter your 4-digit PIN when prompted.

For online/website payments:

Enter the 16-digit card number
Along with the CVV number, expiry date, and name on the card.

It can also be used for international transactions and there are no extra charges for foreign currency use.

Login Guide

Here are some simple points on the login guide and forgotten login details for Axis Bank Credit Cards:

Visit axisbank.com website.
Click on the ‘Login’ button.
Enter your user ID and password.
Your user ID is usually your 16-digit credit card number.

After logging in, you can:

View statements and transactions.
Make payments towards credit card bills.
Redeem reward points.
Update personal details.

Forgotten Login Details:

If you forget your user ID/password
Click on ‘Forgot User ID’ or ‘Forgot Password’ link

For forgotten user ID:

Provide details like name, date of birth, etc.
User ID will be retrieved and sent

For forgotten password:

Click on the ‘Reset Password’ option
Follow the steps to set a new password

How to Make Payments Using Axis Bank Credit Card

Axis Bank offers multiple convenient options for making credit card payments:

Through Internet Banking or Mobile Banking.
Log in to your Axis Bank internet banking or mobile banking app, add your credit card, and make payments directly from your linked bank account.
Physical branch Visit: Visit any Axis Bank branch and make cash or cheque payments towards your credit card outstanding.
ATMs: You can also make payments at Axis Bank ATMs using cash or by transferring funds from your linked account.
ECS Mandate: Set up an Electronic Clearing Service (ECS) mandate to automatically pay your credit card outstanding from your existing bank account.

Conclusion

By understanding the features, benefits, and usage guidelines of Axis Bank credit cards, you can make informed decisions and enjoy the convenience of secure and rewarding transactions.

Explore the range of cards available and find the one that best aligns with your lifestyle and financial goals.