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Credit cards are important financial instruments that come with a variety of advantages. They make everyday shopping easier by allowing users to make purchases now and settle the bill later, which can improve cash flow management. Moreover, using credit cards responsibly helps establish a strong credit history, which is crucial for obtaining loans and better interest rates down the line.
Many credit cards also feature rewards programs that provide cashback and points for spending, which can be exchanged for travel or products. Additionally, they offer enhanced security against fraud, providing protections that debit cards do not, making them a more secure payment choice.
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Finding the perfect cards to match your vibe
Shop
Dine
Travel
Fuel
Movie
- Based on account features
- Premium Cards
- Co- Branded Cards
- No Annual Fee
- No Joining Fee
- Lounge Access
- Free Welcome Vouchers
- Metal Card
Showing 40 Cards Out of 40
- 12,500 EDGE REWARD Points redeemable against vouchers worth ₹ 2,500*
- Get additional 10,000 EDGE REWARD Points on spends of ₹2.5 lakh*
- Buy one get one offer on movie tickets booked via District app. Up to ₹ 250 off, valid once a month
- Get 10,000 EDGE REWARDpoints worth ₹ 2,000 on the activation of the card within 30 days of issuance (not applicable for free cards)
- Get ₹ 500 off on a minimum transaction of ₹ 2,500 on Big Basket app/website, through Select credit card, valid once a month
- Ger ₹ 200 off on a minimum transaction of ₹ 1000 on Swiggy, valid twice a month
- Get welcome decathlon OMNI Gift Card worth INR 750
- Earn 2 points per spend of INR 200 and 5x reward points on Insurance
- Get 48 online video doctor consultations free per year, Get 48 interactive fitness video training sessions free per year, Get discount upto INR 500 on health checkup
- 12500 EDGE reward points worth ₹2500 as welcome benefit*
- Additional 10000 EDGE REWARD points worth ₹2000 as milestone benefit on spends of ₹2.5 lakhs*
- Buy one get one offer on movie tickets booked via District app. Up to ₹250 off, valid once a month
- Satya Paul Gift Vouchers,15% discount on dining
- Up to 15% discount on dining
- Earn 10/20 EDGE REWARD Points for every ₹200 domestic/international spends
- 50% cashback on movie tickets
- ₹ 1500 worth SpiceJet Flight vouchers on doing 2 transactions in first 30 days
- upto 18 SC Points on credit card spends
- Complimentary 1 year SpiceClub Silver membership upto 6000 Bonus SpiceClub Points as milestone upto 4 complimentary domestic airport lounge access in a year
AXIS BANK VISTARA Credit Card
- Welcome benefit – 1 complimentary economy class ticket on joining fee payment
- Earn up to 3 economy class tickets every year
- Earn 2 Club Vistara Points per ₹200 spent
AXIS BANK VISTARA SIGNATURE Credit Card
- Welcome benefit – 1 complimentary premium economy class ticket
- Earn up to 4 premium economy class tickets every year
- Earn 4 Club Vistara Points per ₹200 spent
Axis Bank Vistara Infinite Credit Card
- Welcome benefit – 1 complimentary business class ticket on fee payment
- Earn up to 4 business class tickets every year
- Earn 6 Club Vistara Points per ₹200 spent
Choose up to 3 cards to compare and select what’s best for you.
Offers made for you
Check out a world of rewards, benefits & offers that are customised for your needs
Cashback Offers
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Access a plethora of incredible cashback offers from brands that you love.
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How to apply for a Credit Card?
Credit card application made easy
Just follow these steps
- 01
Choose your Credit Card
Select the card that fits your needs and click on ‘Apply Now.’
- 02
Application
You will be redirected to the Credit Card online application form.
- 03
Specify your customer status
Indicate whether you are a new or existing Axis Bank customer.
- 04
Check eligibility and offers
Provide the required information to view your eligibility and tailored offers.
- 05
Verify & Submit
Enter the OTP sent to your mobile number and click ‘Submit’ to finalise your application.
Credit card application made easy
Just follow these steps
- 01
Choose your Credit Card
Select the card that fits your needs and click on ‘Apply Now.’
- 02
Application
You will be redirected to the Credit Card online application form.
- 03
Specify your customer status
Indicate whether you are a new or existing Axis Bank customer.
- 04
Check eligibility and offers
Provide the required information to view your eligibility and tailored offers.
- 05
Verify & Submit
Enter the OTP sent to your mobile number and click ‘Submit’ to finalise your application.
Credit Card Eligibility Criteria
Age
Primary cardholder should be between the age of 18 and 70 years
Income
Minimum income required is ₹15,000 per month
Residential status
The individual should either be a resident of India or a non-resident Indian
Documents required
Age and Residential proof: PAN card, Aadhaar card, Passport or Driver's license
Income proof: Salary slips or Income Tax Returns
Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card. Please note that these criteria are only indicative, & the bank reserves the right to approve or decline applications for its credit cards.
Need information on Credit Card services?
A diverse range of services, including rewards, travel perks, fraud protection & more that add value to your transactions.
Fees and charges
Know about our credit card fees and charges.
Do's & Don'ts for Credit Cards
Basic guidelines to avoid high-interest debt & enjoy secure payments, cashless transactions, rewards & cashback offers with Axis Bank Credit Cards.
Do's
Choose Wisely: Axis Bank offers a range of credit cards designed to cater to your varied interests and requirements. Research thoroughly, considering factors such as prevailing interest rates, additional fees, the limit on your credit card, rewards, cashback and other offers tailored to your spending habits before making a decision.
Mind the Terms: Before applying, understand the terms and conditions. Some cards have no annual fees, while others waive fees based on spend thresholds. Be aware of first-year waivers and subsequent charges.
Stay Updated: Stay informed about any credit card interest rate changes from your bank, and track your payments accordingly.
Full Repayment: Aim to clear your entire credit card balance each month. This cultivates responsible spending habits and contributes to a positive credit score.
EMI Option: If unable to pay in full, convert transactions into EMIs for regular repayment, saving on interest and penalties.
Utilization Ratio:The percentage of credit that you use out of your total available credit is called the Utilization Ratio. It is advisable to keep credit utilization at 30-40% of the limit for a favorable credit report.
Payment Monitor: Stay vigilant about due dates and credit periods to prevent delays or defaults.
Secure your card: In case of loss or theft, immediately block your card to prevent unauthorized use.
Report your fraud: If you notice unauthorized transactions, swiftly report to your bank to address any issues.
Don'ts
Mindless Spending: Avoid mindless spending to prevent hefty debts.
Minimum Repayments: Don't settle for minimum payments; they lead to high balances.
Excessive Applications: Avoid excess card applications to preserve your credit history.
Uncontrolled Usage : Refrain from maxing out your limit; it harms your credit score.
Cash Withdrawal: Avoid withdrawal of cash using Credit Cards to avoid additional fees or interest payments.
What you need to know before getting your card?
What you need to know before getting your card?
Already applied? Track your application here
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Track NowCredit Card EMI Calculator
A Credit Card EMI calculator helps you manage your outstanding Credit Card loan better. Since Credit Cards offer you the option to make purchases in the present with the option to spread the payments over a period, knowing the exact amounts for EMI, total interest, and total repayment amount can help you plan your repayment better. Find out this information instantly by using the online Credit Card EMI calculator.
Total Amount Payable
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Your credit score matters
Know and improve your credit score to better plan for your future finances.
Know MoreFrequently Asked Questions
A Credit Card allows you to borrow money for your purchases and is like a short-term loan from a bank. Also known as plastic money, you can use this card to buy things and have the option to pay the borrowed money back all at once or in smaller amounts over time. However, if you don't pay the full amount right away, you are charged an extra amount on it in the form of interest.
The credit card limit, which is set by the bank, represents the maximum amount you can spend using your credit card. It is determined by considering various factors such as income, age, credit history, credit score, liabilities, etc. It is essential to ensure that the total expenditure, including fees, stays within this predetermined limit. Initially, new credit card users might receive lower limits because the bank is not familiar with their spending and repayment habits. While the credit card limit can be increased, the decision ultimately rests with the bank."
The credit card limit is the maximum amount you can spend on your credit card and is set by the bank. The total amount spent, including the fees, should be within this limit. Factors like income, age, credit history, credit score, liability etc. determine your credit card limit. Typically, first-time credit card holders are offered lower limits as the bank is not familiar with your spending and repayments habits. Your credit limit can be increased, but the discretion to do so remains with the bank.
The minimum amount due on a credit card represents a mandatory partial payment of the total outstanding bill, required when the entire bill amount cannot be paid.
This amount is usually fixed at 2% of the total outstanding balance, calculated based on the credit card statement issued.
Access to a lounge during the long waiting hours at an airport is surely a comfort. Majority of Axis Bank credit cards offer complimentary access to airport lounges.
To be eligible for an Axis Bank Credit Card, you need to meet the following criteria:
- Indian resident from 18-70 years of age. For Burgundy customers, the maximum age limit is 80 years.
- A regular source of income in case you are the primary cardholder. For details on Credit Card eligibility for NRI customers, please click here
Additionally, Axis Bank may also apply a few card-specific eligibility criteria. Axis Bank offers a diverse range of credit cards, each with its unique features and requirements. To determine the eligibility criteria for a specific card, you can explore the various options available and select the one that best aligns with your preferences.
Axis Bank offers you the option to apply for multiple credit cards with a cumulative credit limit with increased flexibility, features and additional benefits.
For rules related to Add-on Cards, click here
Applying for a credit card is an easy process. You need to follow these simple steps:
- Click here or visit your nearest Axis Bank branch
- Provide basic details such as name, mobile number, PAN, and check your credit card eligibility
- Select from our wide range of credit card offers and complete your application
Once your details get verified, your card application status will be notified: Upon approval, your credit card will be delivered to your specified address within the next few days. You will also be kept informed about the relevant dispatch and delivery status to ensure security and avoid mishandling.
In the event of losing your Credit Card, promptly notify Axis Bank by contacting Customer Care. The card will be instantly blocked, and during the same call, you can request a replacement. Additionally, report the lost card to the police station in the area where you suspect it was misplaced or lost.
Yes, Axis Bank credit cards are globally accepted, allowing for both online and offline international use. To activate this feature, simply log in to your account through mobile banking or net banking. This facilitates seamless usage of your Axis Bank credit card on a global scale, offering convenience and flexibility for transactions conducted internationally, both on the internet and at physical locations.
A reward point serves as an extra benefit provided by banks as a token of appreciation for each credit card purchase. These points accumulate as you use your credit card, and once a sufficient amount is gathered, you have the option to redeem them for various rewards such as gift vouchers and more. Axis Bank offers the eDGE Loyalty Rewards Program to all its credit card customers. It is designed to reward customers for every purchase transaction that they make. Each reward has been curated in a way that ensures that customers have exceptional experiences choosing and redeeming gifts with Axis Bank. Along with presenting a wide variety of rewards, Axis Bank credit card customers can even make redemptions with a minimum number of accumulated rewards points under the eDGE Loyalty Rewards Program.
Swipe your Credit Card into a world of convenience
How to choose the best Credit Card?
The best way to choose your Credit Card depends on understanding your spending pattern in terms of where you spend the most of your income, and where you are likely to spend more. Is it shopping, dining, entertainment, fuel, travel or a combination of these categories? The ideal or best Credit Card for you therefore would be the one that is tailored to your requirements in terms of your spending habits, lifestyle goals and the credit limit you are seeking. The ultimate aim is to optimise available rewards and benefits while also considering applicable fees and interest rates.
If you are a first time Credit Card holder, consider the following factors before choosing your Credit Card:
- Monthly expenses: Choose a Credit Card whose limit is close to your monthly expenses. If you have a lower credit limit, prioritise only the payments which should be made through your Credit Card.
- Rewards & Points: You could also select a Credit Card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
- Card control: Choose the card issuer based on how easy it is to manage the Credit Card especially on the mobile app or website. You should be able to manage spend limit, international usage, set the PlN, view payment history & statements, block & replace card, among other features.
- Card offers: Apart from offers from brands and merchants, card issuers also offer other benefits such as converting spends into EMIs, availing instant loans, upgrading card limit, getting an add-on card for your family members, and much more.
- Card fees and charges: Credit Cards will have slightly different interest rates depending on the issuer that offers the card. Therefore, always compare the fees and interest rates before you choose a Credit Card.
Things to know before applying for a Credit Card
If you are a first time Credit Card holder or are planning to apply for one, here’s what you should know before choosing your Credit Card:
- Monthly spends: Select a Credit Card whose credit limit aligns closely with your monthly spending.
- Maximising benefits: Reap maximum benefits by choosing a Credit Card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
- Credit Card eligibility: If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors: 1. Age 2. Income 3. Residential status (whether you are an Indian resident or NRI). You will have to show documents as proof of the above mentioned eligibility conditions. Documents required will include - Age and Residential proof (PAN card, Aadhaar card, Passport or Driver’s license), income proof (Salary slips or Income Tax Returns). Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a Credit Card.
- Fees and Charges: Credit Cards have certain fees that vary depending on the card variant you hold. Some common Credit Card fees include joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc.
- Interest Rates: If you repay your Credit Card dues in full every month, before the due date, then you don’t have to pay an interest rate on your Credit Card outstanding amount. But if you carry forward any amount of your Credit Card due, then you do incur an interest rate on the pending amount. This interest rate on Credit Cards is typically between 3% and 4% monthly.
Tips to manage your Credit Card expenses
If you are a first time Credit Card holder or are planning to apply for one, here’s what you should know before choosing your Credit Card:
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