Managing Credit
Get convenience and security with Axis Bank's Credit Cards
Credit Cards are a great tool that can reward you for mindful spending and timely repayments. They offer ease and adaptability while managing finances, peace of mind, financial security, a chance to earn reward points, and so much more.
Whether you are a first-time buyer or looking to know more about Credit Cards, their safety, security, convenience, and seeking ways to apply for a Credit Card with Axis Bank, you are at the right place.
Benefits of Axis Bank Credit Cards
If you own an Axis Bank Credit Card or are about to own one, it’s crucial that you know some of its benefits to make the most of your card.
- Reward points for making purchases using Axis Credit Cards
- Up to 50 days of free credit period
- Availability of EMI facilities
- Timely payments of recurring bills with one click
- Insurance coverage
- Availing cashback and discounts on purchases
Axis Bank Credit Cards: Apply Online
You can manage your finances conveniently and earn rewards and benefits with Axis Bank Credit Cards. Apply for a Credit Card online without the hassles of visiting your branch and standing in long queues.
Apply for a Credit Card through Net Banking
- Go to Axis Bank’s official website
- Click on Explore products and go to Cards
- Select the cards that best fits your financial needs from a wide variety of options
- Carefully review the features of the Credit Cards, such as annual fees, interest rates, etc
- Next, click on Apply Now. Select if you are an Existing Customer or a New one
- Fill out the application form accurately with respect to the eligibility criteria and identification
- Once your application is approved, your Credit Card will be delivered to your registered address in the next few days. You will need to activate your card by setting a PIN. You can activate your card online via internet banking or phone banking.
Apply for a Credit Card through the mobile App
- Download the Axis Bank mobile app.
- Register and login to your mobile app account.
- Under the “Product” section, click on “Credit Cards”.
- Click “Apply Now”.
Tips for using a Credit Card Effectively and Safely
Here are some tips for using Credit Card while safeguarding data protection and security:
- Never share your credit card details with anyone.
- Report any suspicious transactions or unauthorised charges immediately to the bank.
- Know your Credit Card’s bill generation cycle to optimise your payments.
- Understand the calculation of interest rates on Credit Cards.
- Clear Credit Card bills on time to avoid paying hefty interest.
- Review your Credit Card statements regularly.
- Utilise your rewards points and cashback offers.
Frequently Asked Questions
What is the eligibility to apply for an instant Credit Card?
The primary eligibility requirement to apply for a Credit Card online is that the cardholder should be above the age of 18 years and below 60 years. For more information, click here.
Can I use my Credit Card online?
Yes, you can use your Credit Card online for multiple purposes.
Can I manage my Credit Card using the Axis Bank mobile app?
Yes, you can. The Credit Card functions you can do via the Axis Bank mobile app, subject to eligibility, include:
- Apply for Credit Card
- Block and replace Credit Card
- Instant loan on Credit Card
- Set/reset Credit Card PIN
- View outstanding balance
- View unbilled transactions
- View current Statement
- View past statements
- Pay Credit Card bill instantly
- Schedule Credit Card bill payment
- Convert transactions above Rs 2,500 into EMIs
- E-statement activation
- Check for limit increase on your Credit Cards
Also Read: How to get a Credit Card in 3 easy steps
How safe is it to use the Axis Mobile app for Credit Card transactions?
The robust platform of the Axis Mobile app makes it very safe for your Credit Card transactions. For instance, Axis Mobile is user specific. It requires a six-digit MPIN code that is recognised by the bank for any transactions via the application. It is a safe and secure process as the application locks itself on entering five consecutive incorrect PINs. Also, if you or someone else tries to activate the Axis Mobile app on a handset which does not carry the SIM card of the registered mobile number, then the registration fails as your registered mobile number is required to activate the application.
Other security features in the Axis Bank mobile app include the option to block your Credit Card instantly, if the card is misplaced or lost. In the My Control section on the app, select Credit Cards, click on Block and Replace. Your card will be blocked immediately and a replacement request will be submitted.
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.
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