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RuPay Credit Card
RuPay Credit Card stands as the premier choice among Credit Cards in India. Designed to facilitate secure, efficient, and affordable transactions across the country, RuPay Credit Cards are tailored to meet the evolving needs of customers. With this Credit Card you can make payments seamlessly and unlock exclusive RuPay Credit Card offers and rewards. Whether you are a shopaholic, a travel enthusiast or someone who expects more from their Credit Card, a RuPay Credit Card is your perfect financially.
Features & Benefits
Axis Bank MyZone Credit Card
- Complimentary Sony LIV Premium subscription for 1 Year worth ₹1499
Axis Bank Airtel Credit Card
- Amazon eVoucher worth ₹250 on first card transaction (offer not applicable for cards issued without Joining fee)
Neo Credit Card
INDIANOIL AXIS BANK Credit Card
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Axis Bank My Zone Credit Card
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- Amazon eVoucher worth ₹250 on first card transaction (offer not applicable for cards issued without Joining fee)
- 25% cashback* on Airtel mobile, broadband, Wi-Fi & DTH bill payments
- 10% cashback* on utility bill payments such as gas, electricity, etc., via Airtel Thanks App
Joining Fee: ₹NIL*
Annual Fee: ₹500
How to Apply for an Axis Bank RuPay Credit Card?
Steps to avail Axis Bank RuPay Credit Card are:
- 01
To apply for a RuPay Credit Card, visit the Credit Card Online Application page.
- 02
Input the required details, including your mobile number, annual income and date of birth or PAN. Enter the given captcha and click on “Next”.
- 03
Opt for the RuPay Credit Card Apply option and then select the card you want to apply for.
- 04
Fill out the application form with accurate personal and financial information. Upload the necessary documents, review and submit the application form.
- 05
Once your details are verified, you will receive a notification about your RuPay Credit Card application status.
- 06
Upon approval, your RuPay Credit Card will be dispatched to your specified address and delivered within a few working days.
Fees & Charges
Fees & Charges
| Charges | AXIS BANK RuPay Credit Card |
|---|---|
| Joining/annual Fee | Depending on RuPay card variant |
| Cash advance fee | 2.5% of the amount withdrawn or a minimum of.₹500, whichever is higher |
| Late payment charges | Nil if total payment due is up to ₹500 Late Payment Fee*
₹ 500 if total payment due is between ₹501 and ₹5000 ₹750 if total payment due is between ₹5,001 and ₹10,000 ₹1200 if the payment is greater than ₹10,000 *LPF is charged on the outstanding balance (that is, total amount due - payments) NOTE - An additional charge of ₹100 will be levied if the 'Minimum Amount Due (MAD)' is not paid for two consecutive cycles. This charge will apply until the MAD is cleared. |
| Over limit charge | Depending on RuPay card variant |
| Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge) | 2% of the payment amount, with a minimum fee of ₹500 and no maximum cap on the fee. |
| Railway ticket booking surcharge | As specified by IRCTC / Indian Railways |
| Statement Request (beyond 3 months) | NIL |
| Reissue of lost, stolen or damaged card | NIL |
| Foreign currency transaction markup fee | 3.5% of the transaction value on International Non-DCC Transactions |
| DCC Surcharge | 1.5% Surcharge on DCC Transactions |
| Cash deposit at Axis branches | ₹175 per deposit |
| Finance Charges - Interest | 3.75% p.m. |
| Rent Surcharge | Rent transactions will incur a 1% transaction fee (uncapped) |
Note: *For detailed fees and charges applicable on AXIS BANK SUPERMONEY RuPay Credit Card, please click here.
Need information on Credit Card services?
A diverse range of services, including rewards, travel perks, fraud protection & more that add value to your transactions.
Linking your RuPay Credit Card on UPI
- A standout feature of RuPay Credit Cards is their ability to be directly linked to UPI-enabled apps. This simplifies payments by allowing you to use your Credit Card without swiping or carrying it, ensuring faster and more secure digital transactions.
- With this integration, you can make cashless payments with ease from a single platform for both online and in-store purchases. The UPI on RuPay Credit Card feature makes this card even more versatile, offering instant payments with enhanced security and ease, no matter where you are.
Frequently Asked Questions
The RuPay Credit Card was launched by NPCI (National Payments Corporation of India) and issued by Indian banks. This card boasts security features that enable secure and convenient transactions while offering a host of RuPay Card benefits, rewards and offers.
Yes, you can withdraw money from your RuPay Credit Card. However, it is important to note that a nominal cash withdrawal fee applies on such transactions. This fee is typically 2.5% of the withdrawn amount or ₹500, whichever is higher.
Yes. Google Pay accepts RuPay Credit Cards. To get started, add your RuPay Credit Card to Google Pay and set a UPI PIN. You will be all set to make seamless and secure UPI payments with your RuPay Credit Card anytime and anywhere.
No, you cannot transfer money from a RuPay Credit Card to a bank account as this card can only be used for merchant payments.
RuPay Credit Cards are primarily focused on the domestic Indian market. Their international acceptance is limited compared to global networks.
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