Axis Bank Credit Cards

Axis bank credit cards are one of the best products rendered by Axis bank. Axis bank credit card has a special feature which allows the customer to customise his/her credit card according to their desire. At the end of reading this article you will know why you should choose Axis bank for a credit card service, since it offers a variety of credit cards which no other bank can provide.

Last modified:2019-03-22

What are the Types of Axis Bank Credit Cards?

Axis bank offers a host of credit cards tailor-made for different types of customers. Axis bank credit cards specialize in travel, shopping, dining, and more. Cardholders will earn rewards which can later be redeemed for exciting gift vouchers or statement credit. Users have given positive feedback about the credit card. Let us have a look at the different types of credit cards offered by Axis bank.

  1. Axis Bank Buzz Credit Card: If you are a shopaholic and your homepage is a shopping site, then BUZZ is the card for you.
  2. Axis Bank My Zone Credit Card: Explore fun times with gratifying rewards and exciting offers on entertainment.
  3. Axis Bank Neo Credit Card: Enjoy unrivaled discounts on movie ticket bookings, mobile recharges, shopping and more
  4. Axis Bank Vistara Credit Cards: Specially designed for travelers. People who travel often can go for this card.
  5. Axis Bank Privilege Credit Card: Fuel your wanderlust and enjoy travel and lounge benefits like never before.
  6. Axis Bank Miles and more Credit Card: Make the most of your travel with unlimited award miles and exciting products to redeem them.
  7. Axis Bank Reserve Credit Card: Reserve is not just a Premium credit card but a world of exclusive experiences which you can Reserve for life.
  8. Axis Bank Select Credit Card: Handcrafted exclusive benefits to match your lifestyle.
  9. Axis Bank Pride Platinum Credit Card: A card tailored to suit the brave personnel serving in India's Defence Forces
  10. Axis Bank Pride Signature Credit Card: Exclusive credit card to serve Indian Defence Personnel who serve the nation.
  11. Axis Bank Insta Easy Credit Card: Get your credit card over-the-counter, with minimal documentation and guaranteed approval
  12. Axis Bank My Choice Credit Card: Design your own card and get the best out of every transaction.
  13. Axis Bank My Wings Credit Card: Travel smart with a credit card that has special features across air, railway and road travel.
  14. Axis Bank Platinum Credit Card: Enjoy exciting privileges along with the benefits of global emergency assistance
  15. Axis Bank Signature Credit Card: Get a card with a world of privileges like 50% cash back on movie tickets, 15% discount on dining.
  16. Axis Bank Titanium Smart Traveler Credit Card: A card with extra travel benefits to make your journeys more rewarding.

Top 10 Credit Cards offered by Axis Bank.

Following are the top 10 credit cards used by the customers of Axis bank. The table given below indicates the fees and features of the most used credit cards. An array of credit cards are offered by Axis Bank to suit the different financial needs of the bank’s customers. These cards are filled with several features and benefits and have an exciting reward system as well.

Name of the card Joining fee (Rs.) Annual fee (Rs.) Key features
Axis Bank Privilege Credit Card Rs. 1500 plus GST Rs. 1500 plus GST Premium credit card with numerous travel benefits.
Axis Bank Vistara Signature Credit Card Rs. 3000 Rs. 3000 Cardholders get Club Vistara Silver Membership
Axis Bank Vistara Credit Card Rs. 1500 Rs. 1500 Cardholders can enjoy multiple travel offers
Axis Bank Miles and more Credit Card Rs. 3500 Rs. 3500 Loads of travel benefits for the cardholder
Axis Bank My Zone Credit Card Rs. 500 Rs. 500 Exciting cashback offers
Axis Bank Neo Credit Card Rs. 250 Rs. 250 Amazing cashback offers for the cardholder
Axis Bank Buzz Credit Card Rs. 750 Rs. 750 Exclusive discounts on online shopping
Axis Bank My Business Credit Card Rs. 999 1st Year Fee: Nil
2nd Year Onwards: Rs.499
Tailor-made to suit the cardholder's business travel needs
Axis Bank Signature Credit Card with Travel Benefits Rs. 1500 Rs. 1500 Comes loaded with attractive travel benefits
Axis Bank Insta Easy Credit Card Rs. 500 Nil Cardholders can vail cash withdrawal of up to 100% of the credit limit

What are the Features and Benefits of Axis Bank Credit Cards?

Axis bank credit cards are very much in need for many individuals since it offers a number of benefits to its users. Many individuals prefer Axis bank credit cards for its unique features and wide range. Axis bank credit card offers many rewards and discounts on almost all of the transactions. Check out the key features and benefits of using Axis bank credit card.

  1. Sign on bonuses: As a thank you for signing with the bank, some of the Axis Bank credit cards provide sign-on bonus or gifts. This great reward will offset any joining fees paid already.
  2. Rewards: For any transactions made using your Axis Bank credit card, reward points are offered. You can accumulate to obtain a great gift or the points can be redeemed for cashback. The customer is the winner in either way.
  3. Frequent flyer miles: This is for customers who travel by plan frequently. They will get rewards in the form of “miles” when they use their card to pay for their air tickets. When you earn enough points, you will be able to get a discount on tickets in the future or even get free air tickets. With some credit cards, you might get access to airport lounges which could be of great use during flight delays.
  4. Cashback: You might get cash back on certain spends like 5% cashback for online shopping, 10% for using your credit cards to pay utility bills. This could be a great way to save money on small expenditure.
  5. Keeping vendors in check: You can keep vendors in check with the help of credit cards. You have the option to cancel payment or even if already paid. You have the ability to revert the payment if you feel the product you bought is below par. This will make sure that the vendors who provide the products will stay honest and provide better quality goods.
  6. Insurance: Insurances like travel insurance can be availed in many credit cards. Due to ignorance, many credit cardholders don’t realize they are protected and don’t use these facilities. It is wise to know about the features and benefits before availing the credit card and also read the terms and conditions.
  7. Universal acceptance: Credit cards are universally accepted, unlike debit cards. You can use your credit card in any foreign country instead of searching for a currency exchange center or ATM.
  8. Instant Loan: A source of loan is your credit limit which can be accessed immediately without any approvals. This will be very useful in case of emergencies. You also have the option of converting your credit card bill into EMI if you are unable to pay back immediately.
  9. Credit score improvement: Your credit score will get improved when you pay your credit card bill on a regular basis. As different credit or credit mix is a part of a credit score, a credit card will help you improve your score from that aspect also.

Thus, credit cards provide a cardholder a lot of benefits.

How to Apply for an Axis Bank Credit Card?

The application process for Axis bank credit card through online is very easy. Many users prefer this online process because it can be done from where the user is seated. The online portal is designed in such a way that the applicant does not find any kind of difficulty during the process. The applicant should visit the official website of Axis bank and follow the step by step process

  • Go to the official website of Axis Bank and select the card you want to apply for.
  • Before you move forward, check the eligibility criteria for the selected credit card.
  • Now, Click on the ‘Apply Now’ button. You will then be redirected to the ‘Click to Connect’ page.
  • Now fill basic details like your name, mobile number, professional details, monthly income, and your area pin code.
  • Click on ‘Call Me’ option and you will immediately get a call from one of their executives.  You can also choose the option in which you will receive a call later.
  • The bank executive will guide you through the remaining process. For detailed form filling and documents collection, a representative will visit you.
  • Once your details are verified, your Axis Bank credit card will reach at your address within 21 working days.



Why Choose Axis Bank Credit Card?

Different types of credit cards are provided by Axis Bank to meet various customer needs. They gain a lot of knowledge regarding the requirements of the customers and transfer it in the credit cards they offer. They cater to every aspect of a customer’s needs by providing great rewards, cash back, travel, shopping, and elite credit cards. Axis bank credit card is the perfect companion for dining and for purchasing movie tickets also. Customers can choose the best and enjoy attractive offers and rewards on each and every credit card purchase.



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What are the Documents required and Eligibility Criteria to avail Axis Bank Credit Card?

DOCUMENTATION:

Axis bank requires certain documents from its customers who want to own Axis bank credit card in order to make them enjoy all the benefits without any issues. If the customer fails to meet the demands of the bank, then he/she will not be able to avail the bank’s credit card.  The following are the documents which will have to be submitted by the applicant to own Axis bank credit card:-

  • 2 passport size color photos
  • ID Proof (anyone) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (anyone) - Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

ELIGIBILITY CRITERIA:

Axis bank has certain criteria to be fulfilled before providing a credit card to its customers. Only after satisfying the Axis bank’s rules to avail a credit card, the customer will be allowed to own one. However, income requirement varies depending upon the card chosen by the customer. It is safe to inquire about the credit cards in detail before applying for one. Following are the common rules to avail a credit card:

Age Minimum 21 years
Maximum 65 years
Nationality Indian
Employment Type Salaried or Self Employment
Employment Status Employed/In-business for at least 1 yr. and at least 6 months with current employer/business
Minimum Income This varies from card to card, but the minimum salary required is Rs.3 lakhs per annum

#1.Axis Bank Credit Card Bill Payment

ONLINE: Most people today like to make their bill payments online whether it is their utility or credit card bill. They prefer this method ever since people realized the convenience that internet and mobile banking offer. People can pay off their credit card bills without having to visit the bank branch or ATM. They can make the payment from their Axis bank account or even from another bank account. They have multiple options to choose from, in both of these cases.

  • Axis Bank Internet Banking: Customers can use the Axis Bank Internet Banking service to pay their credit card bills from their Axis Bank savings accounts. You need to log in their Axis Bank Internet Banking accounts and access the ‘Credit Card-Balance and Payments’ section. Then select the credit card number along with the account from where the amount has to be debited. Now, enter the outstanding amount to be paid and click on ‘submit’ to complete the transaction. Payments done using this will be credited to the card account on the same working day.

  • Electronic Clearing Service (ECS): You can use Electronic Clearing Service (ECS) to pay your Axis Bank credit card bills from other bank accounts. You have to download and fill-in both the forms - ECS Form Part A and ECS Form Part B and then submit those to Axis Bank to activate this service.

  • National Electronic Funds Transfer (NEFT): You can make NEFT transfers to pay your outstanding credit card bills from any bank account. You have to log in to your internet banking accounts and choose NEFT as the option and then enter the following details -
    Beneficiary name - as per the card
    Beneficiary’s bank name - Axis Bank
    Branch - Mumbai
    Beneficiary account number - sixteen-digit credit card number
    IFSC code - UTIB0000400 to make NEFT transfers.

Axis Bank completes the NEFT transfer within one working day.

  • Visa Money Transfer: Axis Bank credit card holders can also pay bills through the Visa Money Transfer service. Customers can use Visa Debit Cards or Net Banking services to facilitate a Visa Money Transfer. VMT clearance can be done by Axis Bank in 2 working days.

  • Payment from other bank accounts: Customers can make payments towards their credit cards from other bank accounts using the Net Banking facility. In three working days, the amount will be credited.

  • Mobile Payments: Credit card bills can be paid using the Axis Bank mobile application available on iOS, Android, Java and BlackBerry phones. You have to register your mobile number to bank using secured payment channels. To make payments using mobile, you need to login into your mobile accounts and select the credit card number under the accounts section. In the credit card summary page, click on Pay Last Bill and then enter the amount that has to be paid. Clicking on Continue, you will be taken to the Confirmation Page. Once the entered details have been verified, click Confirm. Then the application asks for a Mobile PIN, which has to be entered to successfully complete the payment. The credit card payment will be credited on the same working day.

  • IMPS - Immediate Payment Service: Axis Bank customers can also use the Immediate Payment Service (IMPS) to pay outstanding credit card bills. Through the Axis Bank mobile application, this service can be accessed. After logging into the mobile banking application, you have to enter information like Merchant Details, Mobile No. 9619919900, MMID-9211400, payment amount and the payment reference which would be the sixteen digit Axis Bank Credit Card number. Clearance would be done by Axis Bank on the same working day.

  • SMS Payments: Axis Bank credit card holders can easily pay their outstanding amount by sending an SMS from their registered mobile numbers. The payment will be made real-time to the card account. For payments of Rs. 5000 or below, with a daily payment limit of Rs. 5000, the SMS Payment facility is available. The SMS has to be sent in the following format -    CCP last six digits of the Axis Bank Saving account or Current Account number Amount to be paid last four digits of the credit card number.

OFFLINE:

 A lot of customers use cash, demand draft or cheque to pay their Axis bank credit card bill. If they are planning to pay it through offline mode, then they can use one of the methods mentioned below.

  • Cheque or Draft Payments: A cheque or draft can be drawn in favor of ‘Axis Bank Credit Card number’, which should be dropped at Axis Bank branches. The local cheque should not be a post-dated cheque and should be dropped five days before the due date. It will take one working day to clear an Axis Bank cheque. It will take 3-5 working days to clear other bank cheques.

  • Cash Payments: Axis Bank customers can make cash payments at branches, with the clearance being made the very same day. A service fees of Rs. 100 will be charged for cash payments.

  • Electronic Clearing Service - Auto Debits: Cardholders can pay the minimum amount due or the total amount due through their Axis Bank current or savings accounts using the Auto Debit facility. You can submit the Auto-debit form and send it to the Credit Card Customer Service address to register for this service. The payments will be done on the same working day.

  • ATM Payments: Payments can be done at Axis Bank ATMs using debit cards by credit card customers. You can pay the minimum amount due or the total amount due using ATMs. Your account that has been linked to the Axis Bank ATM card will be debited with the payment amount. The clearance for ATM transactions happens on the same working day.

#2. Axis Bank Credit Card Status

You can check your Axis bank credit card status in various ways. You can use the online method or the offline method. If you choose the online method then you can check your status using the Application Reference Number or with your PAN card number and your mobile number. Let’s have a look at both the methods in detail.

Check Application status using Application ID: Application ID is a unique 9 digit number if you have applied through a physical application form. It is a 20 digit number if you have applied online. It is generated by the bank when you’re applying for a credit card. The bank will send the number through SMS or email to the applicant’s registered details. Follow the steps to track your application status once you receive the number.

Your Axis bank credit card status will be displayed on the screen.

Check Application Status using the Mobile number and PAN number: In case you have not received the application number or you have deleted the message by mistake, you can still find the status of your application using this method.

  • Go to Axis Bank’s ‘Credit Card - Track your Application’ website.

  • Click on ‘Pan No/Mobile No’ option.

  • Enter your PAN number and mobile number in the respective columns.

  • Click on ‘Submit’.

The page reloads with your credit card application status within the few seconds, with the help of the information entered by you matches the records. In case, you have entered any information wrongly, it will display ‘no records found’. In that case, re-enter the details and check again. If you get the same status again, you will have to wait for the bank to update your details.

When the screen displays ‘In progress’ status, it means that your application is still under process and it will take some more time to approve the application and dispatch your card.

An ‘Approved’ status denotes that your application has been approved and your card will be dispatched soon.

The status displays ‘Dispatched’, once your credit card is dispatched to your address. Once the card is dispatched, you will receive an SMS with the shipment details and the expected date of delivery. Make sure you are available at the delivery address at the time of delivery as the credit card will be handed over only to the applicant in most of the cases.

The application status ‘On Hold’ indicates rejected or any other negative status results need further follow up with the bank. Yo application might be kept on hold since the bank may need some other documents or need to clarify other things from you. You will receive a call or message about the same.

When you receive a ‘Rejected’ status, it denotes that your application has been disapproved as it fails to meet the set criteria. You may receive a message from the bank with or without specifying the reason. If you want to know the reason, you can call customer care.

Check Application status using email ID: Another way to check your application status is through online by writing an email to the bank. There is an online email form available on Axis Bank website using which one can raise a request to know your credit card application status.

  • Visit the online email form at the official website of Axis Bank

  • Enter your email ID, the same one provided in the credit card application, the applicant’s name, mobile number, and the application reference number in the respective fields.

  • You can write your request to know your Axis Bank credit card application status in the message field. Mention your application reference number, PAN number and mobile number in the message. Your email should not exceed 1,000 words.

  • Once you have entered the message, type the text in the box and click on ‘Submit’

Your mail will automatically be submitted to the bank to know the status of your credit card.

OFFLINE: When you do not have an internet connection or other online means.you can call the Axis Bank credit card customer care department.

Axis bank phone banking services are available at 1860-419-5555 and 1860-500-5555. Those who call from abroad can use the number +91-22-67987700.

You also have an option of visiting the nearest Axis Bank branches to get the status of your credit card application. Make sure to have your application ID in hand in both the cases.

 

#3. Axis Bank Credit Card Login:

By owning a net banking account, you can have access to all your bank account information. From viewing your daily transactions to paying your utility bills, your Axis Bank credit card login account will be of great help to you. You can keep track of all your transactions from the comfort of your home instead of running to the bank every now and then.

Benefits of Registering for Axis Bank Netbanking account: By introducing net banking, Axis bank helps its customers to easily keep a track of the various financial products and services that they use. Some of the benefits are listed below:

  • Different kinds of services: Once the cardholder registers his card for net banking, he can access important information and service related to their card through the portal. Services, like reporting a stolen or damaged card and blocking it, from generating PIN to linking it to easy bill payment, can be availed using net banking. Through Axis bank credit card login account, you can also check and redeem their rewards points.

  • No compromise on the safety and security of card: High-quality safety and security measures are provided by Axis Bank to keep customers’ information safe. By registering the credit card for net banking, they can use the secure methods of banking to make payments towards the credit card.

  • Availability of service 24x7: Cardholders can use the 24x7 service to fulfill all such requests at any time of the day. They can access the credit card statement of the past 3 months and convert the outstanding balance on the card into EMIs.

How to Register Axis Bank Credit Card for Netbanking?

Customers can use both online and offline ways to register their credit cards for net banking. Let’s have a look at both these methods in detail:

  • For Axis Bank customers with an existing net banking account: Axis bank customers who already have a net banking account can follow the steps listed below to register their credit card with the portal:

  1. Cardholder needs to visit the net banking website of Axis bank and type in their login ID and password

  2. Now, click on the “Accounts” tab and scroll down to select “My Credit Cards”.

  3. Select the ‘Click here to link your credit card account to your Internet Banking ID’ option.

  4. Now fill in the details such as the credit card number, card expiry date, mobile number, email address as well as your Axis Bank savings account number.

  5. Once all the details are filled, check the terms and conditions box and click on ‘Submit’

  6. After this, a confirmation page will appear and an OTP will be sent to the registered mobile number.

  7. Enter the OTP and allow it to process

  8. A confirmation message will be displayed on the screen, acknowledging their application request.

  • For Axis Bank customers without a net banking account: Axis Bank customers who do not have a net banking account will first have to register for one and then link their credit card to it. They can register for the service of internet banking online or by visiting their nearest Axis Bank branch.

  • Registration of Axis Bank Netbanking Offline: Card Holders can register their Axis bank credit card offline for net banking by following the steps listed below:

  1. Customers can call 1800 20905577 and talk to the bank’s representative to register their card for internet banking

  2. Customers can also visit their nearest Axis Bank branch and fill a form to include net banking on their credit card.

What kind of requests can be raised using the Axis bank net banking account?

Once you register to Axis bank credit card for internet banking, you can avail a lot of online services. Given below are some of the services offered by Axis Bank net banking.

  • Credit card statement related requests: To access the history of transactions activates or deactivate the reception of physical statements, the customers can use their net banking facility. They can also download soft copies of the statement any time of the day.

  • Redemption of reward points: Your net banking account can be used to check and redeem their reward points.

  • Conversion of the outstanding balance of their credit card into EMIs: You can convert the outstanding amount on your credit card into EMIs by logging into your net banking account, click on “Accounts”. Then click on “My Credit Cards”. Now once you are directed to the list of Axis Bank credit cards linked to your account, the card can be selected. Now click on the tab that reads “Convert to EMI”. You can select from the list of options and avail this service.

  • Deactivate or activate auto-debit on your card: Cardholders can choose to activate or deactivate auto debit of payments on their Axis Bank credit card that is registered for net banking

  • Checking payment due date: Payment due date can be checked by logging into your net banking account using the internet banking portal once the card has been registered successfully for this service.

  • Checking the amount of available credit: You can check the amount of credit available on your registered credit card by using the internet login account.

Application for add-on or supplementary card: The customers can raise a request through the internet banking portal of Axis Bank to avail an add-on or supplementary credit card.

 

#4.Axis Bank Credit Card Customer Care Number

Axis bank Customer care services are up 24x7. So the customers can feel free to call and get their queries solved at any time from anywhere.

Axis Bank Credit Card customers can reach out to Axis Bank Customer care through call or email. Given below are the details:

Axis Bank credit card customer care Toll-Free number:  18002095577, 18001035577

Axis Bank credit card customer care Email ID: You can send your grievances and queries through online submissions of the official website of Axis Bank. You can also alternatively mail Axis Bank at customer.services@axisbank.com.

Axis Bank credit card customer care number for reporting a loss of credit card: 022-67987700

Axis Bank Overseas Banking - Grievance Redressal

If you are an Axis Bank customer residing abroad including Singapore, Hong Kong, DIFC, Sri Lanka, Abu Dhabi, and UAE, you can follow the below grievance redressal process, if you are satisfied with the response you got from the customer care department.

Step 1: The first level of escalation for overseas customers is to submit an online grievance redressal form. You can access this form in the ‘Overseas Banking Grievance Redressal’ page on the Axis Bank official website. Click on the link you find on the page and fill in the online form. Both Axis bank customers and non-customers can submit an online grievance redressal form. You will be responded by the grievance department within 10 working days. Once you have escalated the issue, Axis bank will get in touch with you via phone or email to resolve the issue.

Step 2: If you do not hear from Axis Bank within 10 working days after the submission of the online grievance redressal form, you can further escalate the issue to Axis bank Nodal Officer by submitting the form online. Under step 2, you will find the online form to escalate the issue on the same page. Click the link and fill the form. You will be asked to enter your Service Request Number and the account details. Once you escalate the concern to the Nodal officer, you should get a response within 10 working days.

Step 3: If you do not get any response from the Nodal Officer within 10 working days, you have all the rights to further escalate the issue to Axis Bank’s Principal Nodal Officer (PNO). You will have to submit a separate form online to escalate the concern to the PNO. The form will be available under step 3 in the grievance redressal page on Axis Bank website. Fill all the details required, check the authorization box and submit it to receive a call or email providing resolution to your query from the bank. Your concern/query will most likely be resolved in any one of the three levels.

Axis Bank credit card NRI Phone Banking Numbers.

If you are a Non-Resident Indian (NRI) and have an Axis Bank credit card, you can make use of the NRI phone banking service. Listed below are the toll-free numbers for NRIs. You can call the number applicable in your country and get your credit card information via phone call

USA - 1855 205 5577
Canada - 1855 436 0726
Saudi Arabia - 800 850 0000
India - 8001085577
UK - 0808 178 5040
Australia - 1800 153 861
Qatar - 00 800 100 348
Singapore - 800 1206 355
UAE - 8000 3570 3218
Bahrain - 800 11 300

Axis Bank Agri-rural phone banking numbers

Within India - 1800 419 5577

Outside India - +91 22 27648000

Emergency services (Block debit/Pre-paid cards) - +91 22 67987700

About Axis Bank and Credit Card

Axis Bank, being one of India’s largest bank has made it a mission to provide customers with the best in class service. It has 3300 branches and around 14,000 ATMs and nine international offices. Being the third largest private sector bank in India, Axis Bank provides a wide range of financial services to its customers, covering Large and Mid-Corporates, MSME, Agriculture, and Retail Businesses. To satisfy each and every customer requirement which can clearly be seen in their credit card offers, Axis Bank provides tailor-made products.
Every individual can choose a credit card which is suitable for his/her spending habits and other preferences. Each Axis Bank credit card promises great rewards by offering shopping and movie vouchers and discounts along with the facility to convert big purchases into easy EMIs and pay them back over a period.


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