Credit Card for Housewife

Credit Card for housewife is aimed at offering a range of credit options for homemakers enabling them to manage household finances effectively. A Credit Card can be a valuable tool in helping homemakers achieve financial empowerment while simultaneously earning rewards and benefit on their spends. For housewives who may not have an income of their own, reducing expenses by the smart use of Credit Cards is also a way to save money and contribute to the monthly budget. Additionally, it is also a way to build credit score by using the Credit Card regularly and repaying it on time.

Features & Benefits
Eligibility & Documentation
Calculator
Important Links

Features & Benefits of Credit Card for housewife

No requirement of income proof or credit history

This makes it easier for housewives to apply for a Credit Card and build their credit score by using the Credit Card responsibly.

Assured credit limit

In the case of an Add-on Credit Card, homemakers can enjoy access to a credit limit that is the same as the primary card.

Attractive discounts

In the case of Axis Bank Credit Cards, cardholders can enjoy discounts at over 300 merchants and avail a 20% discount across 1,500+ restaurants throughout the year, empowering homemakers financially.

Credit shield protection

The card protects against theft and fraud, ensuring peace of mind for both, the primary cardholder and the supplementary cardholder.

Eligibility Documentations

Eligibility

You have to be above 18 years to get an add-on Credit Card
You have to be the spouse of the primary cardholder
Some card variants may have specific requirements or other eligibility criteria.
For a secured Credit Card you have to open a Fixed Deposit in your name

Documents Required:

Filled application form
Passport-size photographs
Photo ID proof (PAN card, voter ID, passport, etc.)
Address proof (Utility bills, rental agreement, etc.)
Income proof (Salary slips, bank statements, etc.)

What is a Credit Card for housewife?

Credit Cards for housewife can be in the form of Supplementary Credit Cards/Add-on Credit Cards which is linked to a primary Credit Card of their spouse or a Secured Credit Card that is linked to a Fixed Deposit. In the case of a Secured Credit Card, the housewife is the primary cardholder.

These cards offer features such as earning reward points on dining and grocery expenses, fuel surcharge waivers, plus the ability to redeem reward points for exclusive gifts and offers.

How to get a Credit Card for Housewife?

Axis Bank offers a variety of Credit Cards for women, each with its own unique set of benefits and rewards. Here's a quick guide on how to get one.

Reward points

Reward points play a significant role in enhancing the Credit Card experience for housewives. Cardholders earn reward points on dining and grocery expenses. These reward points can be redeemed for exclusive gifts and offers.

Shopping

Homemakers can opt for a co-branded Credit Cards that offer deals and discounts on apparel, daily shopping, electronic gadgets, etc. This can help them can save significantly on their shopping expenses and enhances the overall shopping experience while providing additional value and rewards.

Cashback

Cardholders can redeem their accumulated reward points for cashback against outstanding amounts on their Credit Cards. Since the cashback can be used to lower the Credit Card bill or for additional spending, it enables effective management of finances.

Fuel Surcharge Waiver

Fuel Credit Cards provides a 1% fuel surcharge waiver at all fuel stations across India. By choosing a Credit Card that offers fuel surcharge waiver option, homemakers can save money on their fuel expenses, making it a valuable advantage.

Safety

Since Credit Cards come with EMV Chip technology that protects against unauthorized use, homemakers can carry their cards with confidence, knowing they are protected from fraudulent transactions. Additionally, if the card is lost and reported immediately, cardholders enjoy zero liability, ensuring peace of mind and financial security.

Application process

The process to apply for a Credit Card for Housewife is fairly simple and quick. Follow the below mentioned steps:

01
You can apply for an Axis Bank Credit Card online through the bank's website or mobile app.
02
You can also visit an Axis Bank branch and apply in person.
03
Once you have submitted your application, the bank will review it and get in touch with you within a few days.

Credit 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.

Loan Amount

₹

1.5K

10L

Tenure (Months)

6M24M

Interest Rate (p.a)18%

Apply Now

Total Amount Payable

₹1,37,621

Extra Payable

Total Interest ₹ 3,076

Processing Fee ₹ 500

GST on Interest ₹ 554

GST on PF ₹ 90

Important Links

To get more information regarding Credit Card for Housewife, click the links below:

Generation of loan account statement

Download form

FAQs on Shopping Credit Cards

Yes! A housewife can get a Credit Card as an Add-on Credit Card or as a Secured Credit Card

Yes. As a homemaker you can apply for a Credit Card with your spouse as the primary cardholder.

If you have a Credit Card, your wife can get an Add-on Credit Card that is linked to your Credit Card. In this case, your income which determines the credit limit, will be applicable to the Add-on Credit Card as well, allowing your wife to qualify for the Add-on Credit Card.