Pre-Approved Credit Card

Pre-approved Credit Cards simplify the credit approval process, offering convenience and flexibility in managing expenses. A pre-approved credit card offer from an issuer signifies that you have been identified as a potential candidate based on factors like your credit score, credit history, and financial relationship with the bank.If you currently don't have a Credit Card but hold a bank account or any other loan account, you may still be eligible for a Pre-Approved Credit Card offer from your bank, depending on your existing banking relationship. For those who already own one or more Credit Cards, there is a possibility of receiving pre-approved offers from other banks. These offers are typically based on your spending habits, repayment history, and overall creditworthiness, as reflected in your credit score and credit history.The approval process for these cards is usually faster since the issuer has already conducted an initial evaluation of your profile as a potential Credit Card customer.

Features & Benefits
Eligibility
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Feature & Benefits of Pre-Approved Credit Card

Convenience and flexibility

Easy access to funds with flexible repayment options.

Rewards and cashback

Earn rewards and cashback with Axis Bank Pre-Approved Credit Card.

Exclusive privileges

Enjoy perks like airport lounge access and discounts on dining, shopping, and entertainment.

Zero liability

Axis Bank ensures zero liability for unauthorised transactions on lost cards.

Emergency assistance

Round-the-clock customer support for any card-related queries or assistance.

Eligibility Important Facts

Eligibility for Pre-Approved Credit Card

To be eligible for a Pre-Approved Credit Card, certain factors are considered:

CIBIL score: A high credit score is crucial to qualify for Pre-Approved Credit Card offers. Banks prefer customers with a good repayment history and a high creditworthiness.
Income stability: Banks assess your income stability to determine whether you can manage the repayment obligations of the Credit Card.
Repayment history: Timely repayment of loans and Credit Card bills reflects positively on your eligibility for a Pre-Approved Credit Card.

Important Facts about Pre-Approved Credit Card

Before applying for a Pre-Approved Credit Card, it's crucial to consider several factors. First, understand that promotional offers like lifetime free or competitive interest rates often come with terms and conditions. Be vigilant against scams and hidden fees by verifying contact details and thoroughly reviewing terms.

Keep in mind that a rejected application can temporarily lower your CIBIL score, so ensure eligibility and a good credit history. Lastly, compare competitive interest rates offered by Axis Bank Pre-Approved Credit Card to ensure affordability.

How to apply for a Pre-Approved Credit Card?

Applying for a Pre-Approved Credit Card with Axis Bank is simple. Fill out the application form online or at a branch with accurate personal and financial details. Attach necessary documents such as identity proof, address proof, income proof, and PAN card copy.

You can check your application status online or contact customer service for updates. If you meet their qualification criteria, your application will be approved. Upon approval, review the offer letter carefully before accepting the terms outlined by Axis Bank.

Steps to Apply for Pre-Approved Credit Card

If you are considering a pre-qualified Credit Card, follow these steps to ensure a smooth application process:

01
Check your CIBIL score and ensure it meets the bank's criteria for eligibility, as a high score enhances approval chances.
02
Clear any outstanding debts on existing cards or loans to improve credit score and credit history.
03
Research available pre-approved cards, comparing features, rates, fees, rewards, and benefits.
04
Fill out an application accurately and provide the necessary documents online or at a branch.
05
The bank will conduct background checks and verify your credit history. If you meet their qualification criteria, your application will be approved.
06
Upon meeting the qualification criteria, receive your pre-approved card with a specified credit limit.

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%

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Total Amount Payable

₹1,37,621

Extra Payable

Total Interest ₹ 3,076

Processing Fee ₹ 500

GST on Interest ₹ 554

GST on PF ₹ 90

Already Applied? Track your application here.

Keep your Application ID starting with Cl or MLP or With Pan Card handy for smooth proccess.

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Important Links

Generation of loan account statement

List of loan centres

Fair Practice Code for Lenders

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Pre-Approved Credit Card FAQs

If you are dissatisfied with the features or benefits of your Current Credit card or feel the need for an additional Credit Card to increase your total credit limit, then a Pre-Approved Credit Card can be a suitable option for you.

No, the pre-approval process does not impact your credit score. However, if you apply for multiple Pre-Approved Credit Cards simultaneously, it may lead to multiple hard inquiries that can temporarily lower your credit score.

A Pre-Approved Credit Card limit is the maximum amount of credit that the bank or credit card issuer has approved for you. It represents the total available balance you can utilise on your pre-approved credit card.

Yes, even if you have received a pre-approved offer, your application can still be rejected based on further scrutiny of your financial eligibility and credit history.

Banks use data available with credit bureaus and do data analysis and customer profiling to identify individuals who meet their eligibility criteria. Based on this evaluation, they send out Pre-Approved Credit Card offers to potential customers.