Apply for Credit Card online
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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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. For Burgundy customers, the maximum age limit is 80 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
Have your Application ID or PAN card ready for a hassle-free experience
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
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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."
A request for Credit Limit enhancement can be placed in the below ways:
a. Axis Mobile App: Login > Credit Card > Select Card > Total Controls > Check for Limit increase
You can place a request if your Credit Card is eligible else you will receive a prompt that your Credit Card is currently not eligible for Limit enhancement
b. Internet Banking: Login > Accounts > My Credit Cards > Limit Enhancement > Check for Limit increase
You can place a request if your Credit Card is eligible else you will receive a prompt that your Credit Card is currently not eligible for Limit enhancement.
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.
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. To read more click on https://www.axis.bank.in/blogs/credit-card/what-is-credit-card-limit-and-how-to-increase-your-credit-limit
There is no single fixed limit for all cards; it's a unique amount for each cardholder that can be checked by logging into the Mobile Banking App, open or internet banking and navigating to the account summary or control center. To know about the maximum limit on the credit card, read https://www.axis.bank.in/blogs/credit-card/what-is-maximum-credit-limit-on-a-credit-card
Yes, using a credit card can impact your credit score positively or negatively, depending on how you manage it. Here’s how:
Positive impact:
- Timely payments: Paying your credit card bills on or before the due date improves your credit history and boosts your score.
- Low credit utilization: Keeping your spending well below your credit limit (ideally under 30%) shows responsible usage.
- Long-term usage: Maintaining a credit card account for a long time adds to your credit history length, which is good for your score.
Negative impact:
- Late or missed payments: Delays in payment can significantly reduce your score and attract penalties.
- High credit utilization: Consistently using most of your credit limit may signal financial stress and lower your score.
- Multiple new cards: Applying for too many cards in a short period can lead to hard inquiries, which may temporarily reduce your score.
Key Tip:
Using a credit card responsibly is one of the easiest ways to build and maintain a healthy credit score. Always pay on time and keep your utilization low.
To download the credit card statement easily, click on https://application.axis.bank.in/WebForms/axis-support/CC-statement.aspx and fill in required details.
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.
To close your credit card, you can call us from your registered mobile number on 1860-419-5555 (Charges Applicable), 1860-500-5555 (Charges Applicable), 1800-103-5577 (Toll Free Number) or visit us at any of our branches.
Credit Limit Enhancement can be considered subject to the internal policies of the Bank.
Eligibility for Limit Enhancement is as below:
a. Card should be active and normal
b. There should be no payment delays on the card history
c. Cards should be more than 3 months since issuance
d. There should be no limit enhancement / decrease or Instant Loan availed in the last 6 months
e. Limit cannot be enhanced if the PAN details are not updated for the Card
1.Documents are not required if you hold an Axis Bank Salary Account.
2.In case of a non-salary credit account with Axis Bank, you will need to provide the last two months salary slips.
- The work address on the payslip must match the one available in your records.
- In case of a mismatch, please update the address before proceeding with your request.
- Requests with outdated payslips or mismatched work address will not be processed.
3.If self-employed, you will need to provide the latest ITR for the last two financial years along with the computation of income. There should be a minimum gap of six months between the filing dates of the two ITRs. As per guidelines, only the last four digits of your Aadhaar/VID should be visible
Sharing these documents implies deemed consent for the bank to collect personal information relating to the primary cardholder/Add-on Credit Cardholder(s) directly from you, from our affiliates, or from third parties such as credit information companies, regulators, or governmental authorities who may have your personal data.
Note: Please ensure all requested documents are submitted as advised. If any required document is missing or if the Aadhaar or VID number is not masked (only last four digits should be visible), we will not be able to proceed with your request. All Credit Limit Enhancement requests are subject to credit bureau checks and internal approval policies. Submission of a request does not guarantee approval.
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.
EDGE REWARDS is a carefully crafted loyalty program by Axis Bank that allows customers to earn points for every relationship they have with the Bank like Savings Account, Current Account, Credit Cards, Debit Cards, Forex, Burgundy Banking, Burgundy Private, Priority Banking and NRI. To know more about these, click here.
Yes, you can use an Axis Bank credit card internationally, but you may need to enable international transactions first through online banking, mobile banking, or customer support. Be aware that foreign transactions may incur fees, including a foreign transaction fee on the total amount and a Dynamic Currency Conversion (DCC) fee if the merchant converts the transaction to INR at checkout. These cards are not valid for foreign currency transactions in Nepal and Bhutan.
Yes, you can use an Axis Bank credit card internationally, but you may need to enable international transactions first through online banking, mobile banking or customer support. Be aware that foreign transactions may incur fees, including a foreign transaction fee on the total amount and a Dynamic Currency Conversion (DCC) fee if the merchant converts the transaction to INR at checkout. These cards are not valid for foreign currency transactions in Nepal and Bhutan.
If you have an international credit card, you can activate / deactivate international usage on digital channels or by calling us on our Phone Banking numbers.
Mobile Banking App, open:
Step 1: Login to the Mobile Banking App, open and go to the ‘Credit Card’ option.
Step 2: Choose your credit card and click on the ‘Total Control’ option.
Step 3: Tap on the ‘Manage Usage’ option.
Step 4: Finally, choose the ‘International’ option and turn on the ‘International Usage’ option. Your credit card is now ready to be used internationally.
Net banking:
Step 1: Login and click on Services > Credit Card Services.
Step 2: Post this, select your credit card and click on ‘Manage Usage’ option. Then you can enable international transactions for your credit card here.
Enable international transactions: For new cards, you must enable online, contactless, and international transaction functionalities through the Mobile Banking App, open, internet banking, or by contacting customer support before your travel.
Check for fees:Understand the foreign transaction fees and Dynamic Currency Conversion (DCC) fees on your specific card. For example, some cards have a DCC markup fee of 1% plus taxes on transactions in INR at international locations.
Avoid restricted transactions: You cannot use the card for payments to overseas Forex trading platforms, as this is prohibited by regulations.
Note on Nepal and Bhutan: Your credit card is not valid for making foreign currency transactions in Nepal and Bhutan.
Foreign transaction fee: A fee is often charged by the credit card network for currency conversion.
Dynamic Currency Conversion (DCC) fee: If the merchant offers to charge you in your home currency (INR), you may be subject to a DCC fee, which is often higher than using the foreign currency directly. It is generally better to be charged in the local currency and let your bank handle the conversion.
Cash advances: Taking cash from overseas ATMs can incur extra charges and higher interest rates. Taxes: Be aware that taxes may apply to international fees like DCC markup fees.
To understand about the fee and breakdown, read https://www.axis.bank.in/blogs/credit-card/foreign-transaction-fee-on-credit-cards
The amount of the foreign transaction fee on credit card varies depending on the credit card issuer. Typically, this fee ranges from 1% to 3% of the transaction amount. To know more, visit: https://www.axis.bank.in/blogs/credit-card/foreign-transaction-fee-on-credit-cards
The possible billing cycle dates for a credit card statement are as follows:
- Miles & More Cards – 25th of each month
- Vistara Cards – 22nd of each month
- Signature Card – 18th of each month
- Ace Credit Card – 15th of each month
- Axis Bank Freecharge Plus Credit Card – 12th of each month
- Other Cards - 1st,12th,13th,15th,20th,22nd and 25th of every month
Miles & More Cards, Flipkart Axis Bank Credit Cards, Ace Credit Card, Axis Bank Freecharge Plus Credit Card & Signature Cards have a fixed billing cycle, other card customers can call us on Phone Numbers 1860-419-5555 (Charges Applicable)/ 1860-500-5555 (Charges Applicable) / 1800-103-5577 (Toll Free Number) or write to us to request for a change in the billing cycle considering the available options.
To know more about credit card billing cycle, visit https://www.axis.bank.in/blogs/credit-card/credit-card-billing-cycle
To check your billing cycle date, you can go for one of the following:
- Axis Bank Mobile App, open or Internet Banking: Log in to Axis Bank Mobile App, open and view your account details and billing cycle information.
- Customer Care: Call or write to customer support to get information about your specific billing date.
- Statement: Your statement will show your billing cycle and due date.
You can report a lost Axis Bank card by calling the 24-hour helpline at +91-22-67987700, using the Axis Mobile App, open or Internet Banking, or by sending an SMS to 5676782 or +919717000002 from a registered number with the message "BLOCKXXXX" (where XXXX are last 4 digits of the card number).
By phone:
- Emergency Helpline: Call +91-22-67987700 from any phone to report the loss.
- Customer Service (For Forex Card): Call 1800-108-5577 (toll-free) or +91 040 67174100.
By mobile or internet banking:
- Axis Mobile App, open: Log in to the Axis Mobile App, open and go to the credit cards section using ‘quick links’, use the "Block and replace Card" option.
- Internet Banking: Log in to your Internet Banking account and go to the "Credit Cards" section to block the card.
By SMS:
- SMS format: Send "BLOCKCARD" to 5676782 or +919717000002.
Important: Ensure you are using a mobile number that is registered with your Axis Bank account.
If your credit card is lost or stolen, you can block your credit card and order for a replacement by simply entering your registered mobile number. Go to https://application.axis.bank.in/WebForms/axis-support/Block-cccard.aspx and fill in the details.
If your debit card is lost or stolen, you can block your debit card and order for a replacement by simply entering your registered mobile number. Go to https://application.axis.bank.in/webforms/axis-support/block-dccard.aspx and fill in the details.
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.
You can block a lost or stolen Axis Bank card by calling the 24/7 customer care number, sending an SMS from your registered mobile number, logging in to Mobile Banking App, open or using net banking.
For debit cards, you can SMS "BLOCKCARD" to 5676782 or +919717000002.
For credit cards, SMS "BLOCKXXXX" (where XXXX are the last four digits) to 5676782.
By phone:
- Call the customer service helpline: For a debit card, call +91-22-67987700. For a Forex card, call +91 04067174100.
- Inform the executive: State that you want to block your card and provide the necessary details for verification.
By SMS:
- For debit cards: Type BLOCK CARD and send it to 5676782 or +919717000002 from your registered mobile number.
- For credit cards: Type BLOCK XXXX (where XXXX is the last four digits of your card) and send it to 5676782 from your registered mobile number.
Online:
- Mobile Banking App, open: Log in to the app to find the option to block your card.
- Net Banking: Access your account through Axis Bank's website and use the card blocking feature under the card services section.
Once the card is blocked, you can apply for a replacement card through your bank branch, as blocking the card doesn't automatically order a new one.
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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