In the year 1994, Axis Bank, a private sector bank, began operations as one of the first new generation banks in India. In 1993, it was jointly promoted by several organisations. Among all the private sector banks in India, Axis Bank ranks third. It caters to MSME, Agriculture, Large and Medium Corporates and Retail Businesses. Axis Bank has 2402 branches and 12922 ATMs spread all over the country.
A credit card can be of great help, if and when used wisely. The credit amount is readily available and the payments can be made immediately. In case of an emergency, it can prove to be extremely useful. There are 11 varieties of credit cards offered by Axis Bank for its customers.
Catering to every lifestyle requirement, an Axis Bank credit card is the perfect companion for shopping, dining, travel and for purchasing movie tickets. Customers can choose a card that fits them the best and enjoy attractive offers and rewards on each and every credit card purchase.
Axis Bank offers an array of credit cards that have been created to suit the different financial needs of the bank's customers. These cards some with several features and benefits, and have an exciting reward system as well. Listed below are the top 10 credit cards offered by Axis Bank:
|Name of the card||Joining Fee (In Rs)||Annual Fee (In Rs)|
|Axis Bank Privilege Credit Card||Rs.1,500 plus GST||Rs.1,500 plus GST|
|Axis Bank Vistara Signature Credit Card||Rs.3,000||Rs.3,000|
|Axis Bank Vistara Credit Card||Rs.1,500||Rs.1,500|
|Axis Bank Miles and More World Credit Card||Rs.3,500||Rs.3,500|
|Axis Bank My Zone Credit Card||Rs.500||Rs.500|
|Axis Bank Neo Credit Card||Rs.250||Rs.250|
|Axis Bank Buzz Credit Card||Rs.750||Rs.750|
|Axis Bank My Business Credit Card||Rs.999||1st Year Fee: Nil 2nd Year Onwards: Rs.499|
|Axis Bank Signature Credit Card with Travel Benefits||Rs.1,500||Rs.1,500|
|Axis Bank Insta Easy Credit Card||Rs.500||Nil|
Axis Bank credit cards offer world class privileges and card holders can enjoy unlimited discounts from various merchant outlets.
Upgrade your lifestyle and enjoy top class benefits. Axis Bank Credit Card with Lifestyle Benefits is definitely the key-card to the gateway of a classy life.
Features and Benefits of Axis Bank Signature Credit Card with Lifestyle Benefits:
If travelling is your passion, this is definitely the card you should get. Axis Bank Signature Credit Card with Travel benefits is absolutely the ‘magic carpet’ for you and will fulfil your dream of being a traveller.
Features and Benefits of Axis Signature Credit Card with Travel Benefits :
Neither your miles nor your smiles ever expire. If you are a frequent flyer with Lufthansa, Austrian airlines, Swiss Air or any other airline service that falls under this category then this is a must-get card for you. This card is directly linked to your Miles & More Mileage account. It has several benefits for a cardholder and a member.
Features and Benefits Miles & More Credit Card:
If you want a personalised credit card and design it the way you want with your choice of benefits, look no further. This Axis bank my choice card caters to your saving needs and also gives you spending benefits. Craft your own card and make it what you want it to be.
Features and Benefits of Axis Bank MY Choice Credit Card:
This card offers you a great time when you are out shopping, dining or at a movie. It is the ultimate fun-seeker for you. The rewards are too good to resist. In short, this card is your best buddy when you are out with friends.
Features and Benefits of Axis MY Zone Credit Card:
This particular credit card is extremely beneficial if you travel a lot. Whether it is a bus, train or flight it does not matter since this card will definitely come in handy for all your travel purposes.
Features and Benefits of Axis MY Wings Credit Card:
MY Business Credit Card is best suited for the business banking customers of Axis Bank. The offers available with this card help customers manage businesses efficiently. The card comes with low interest rates, substantial savings and much more.
Features and Benefits of Axis Bank MY Business Credit Card:
Axis Bank Titanium Smart Traveler Credit Card is very beneficial from people who travel. This card will definitely make your journey a happy one.
Features and Benefits of Axis Bank Titanium Smart Traveler Credit Card:
Axis Bank Platinum Credit Card offers several benefits such as cashbacks, loyalty points, etc. and hence this card is definitely very useful.
Features and Benefits of Axis Bank Platinum Credit Card :
You need minimal documents to get this credit card. The card can be availed at any Axis Bank branch, provided you have a fixed deposit of minimum 20000 INR in Axis Bank. A lot many rewards and benefits are associated with this card.
Features and Benefits of Axis Bank Insta Easy Credit Card:
This is a co-branded credit card. Axis Bank launched it in association with Shriram Transport Finance Company Limited (STFCL). Shriram card is only for STFCL customers. The customers should have a good track record. The card is very useful for transport operators. They can buy oil, tyres, batteries, etc. and can make use of VISA merchant outlets across India.
Features and Benefits of Shriram Credit Card:
Uncommon reasons for Credit Card rejection
Have a good Credit Score but your Credit Card application was rejected? Here are the possible reasons. Yet to apply for a credit card? Go ahead. Do it now.
Playing With Cards
Love having multiple Credit Cards? Applying for too many Credit Cards at the same time can lead to several rejections.
What’s In Your Pocket?
Credit Card issuers look at how much money you make. If you have low income, the chances of rejection are high.
Don’t Keep It Short
The shorter your Credit history, the higher will be the probability that your application might get rejected. A long enough Credit history is important to get that Credit Card.
Not That One
CIBIL is not the only Credit Information Company. There are others. Though the score might be the same across all companies, errors could creep in. Correct them (if any) before you apply.
Got wiser? Then, it’s time to apply for that Credit Card. We have some amazing offers for you!
4 Reasons You Must Get a Credit Card Today
After the demonetisation drive, a large number of people have started using their Credit Cards. Are you one of them? Or wait, don’t have a Credit Card yet? This is the time to go for one
According to news reports, Credit Card usage in the country has gone up by 40% after the demonetisation drive.Small Tickets
The number of people swiping their card for transactions less than Rs. 500 has gone up by 65%
There was a whopping 75% jump in the number of users who swiped more than Rs. 500.
Banks have reported a sharp spike in the number of Credit Card applications, since November 8, 2016. There are about 754 million Credit and Debit card users in the country.
Want to join the herd? Go ahead and get yourself a Credit Card today. We have plenty of them to choose from.
Swiping your Credit Card is fun! But paying the bill?
Naah! Making a minimum payment on your Credit Card bill might not be one of the best decisions of your life. Why? Find out:
Goodbye, good Credit Score
Minimum payments are a great quick-fix for your financial crisis. But underpaying can damage your Credit Score, genius!
Fatter Credit Card bills
If you keep making minimum Credit Card payments, be ready to see a whopping balance figure later. Want that? No, right?
Growing Credit Card costs
Not paying on time is a bad move! Why? The unpaid balance on your card keeps accumulating interest. Convinced now?
You might be a great swimmer. But we’re pretty sure you won’t be able to stay afloat in a sea of debt! Short-term arrangements can invite trouble.
Thinking your moves through is the best move you can ever make! Use your plastic buddy well. Still looking for your friend with benefits?
EMI Payments Simplified
Thinking of making a big purchase, but don't want to burn a hole in your pocket? We have just the solution for you. Get a Credit Card and choose to pay through EMIs.
What Is An EMI?
An Equated Monthly Instalment is the amount of money paid back to the lender or bank on a monthly basis. This amount is paid until the total amount due including interest is paid.
Factors Affecting The EMI Amount
What is the total loan amount? What is the rate of interest charged on your loan? What is the tenure of the loan? These are the important factors that affect the EMI amount.
Two Parts Of An EMI
There are two components in an EMI. The principal amount and the interest rate. The interest rate is higher during the first few years, but reduces over the tenure of your loan.
Tenure & Loan Amount
If your loan amount is high, the EMI you need to pay will be higher. If you choose a longer tenure, the rate of interest on your loan will be higher.
Haven't we simplified EMIs for you? Now get started by choosing your perfect Credit Card.
*Terms and conditions apply. Credit at the sole discretion of the bank.
Axis Bank offers a wide choice of credit cards specially designed to suit individual needs. They come under four major categories.
Some of the popular credit cards offered by Axis Bank include Platinum Credit Card, Signature Credit Card with travel benefits, MY Business Credit Card and Miles & More Credit Card.
You can check for eligibility and apply online at the Axis Bank website. Alternatively, you can apply through the BankBazaar portal. BankBazaar.com also helps you choose the right credit card based on the purpose and usage of the card.
Cardholders get exclusive privileges and offers based on their credit card type. However, here are some of the benefits that are common to all cardholders.
The documents required usually vary on a case to case basis. However, the following documents are mandatory for completing the application process.
If you are a resident of India in the age bracket of 18 to 70 years, you satisfy the primary eligibility criteria. However, for different cards, the minimum required net income varies. Please check with the bank about the income criteria for respective credit cards before applying.
Whenever you make a transaction of Rs. 2,500 and above, you can convert it to EMI's with tenures at 3, 6, 9 or 12 months with low interest rates. You can use the Net Banking facility or the customer care service to convert the payments to EMI.
Supplementary or add-on card is an additional card that is offered against your existing Axis Bank credit card with all the features of the parent card. You can apply for up to 4 add-on cards by contacting any Axis Bank branch.
If your Axis Bank credit card is misplaced or stolen, you will be free from any fraudulent purchase transaction charges up to the insured amount from the moment you report the loss to Axis Bank customer care or the VISA Global service helpline.
All credit cards offered by Axis Bank come with this option.
Yes. You can use your Axis Bank Signature credit cards to withdraw cash up to 30% of the prescribed credit limit from all the ATM's that display the Visa sign.
You can pay the bills by many easy ways like Net Banking, NEFT transfer, Electronic Clearing Service (ECS), auto debit, cheque or by cash.
Axis Bank Miles & More credit card. You stand to earn unlimited miles that never expire and use your miles to avail exciting offers on flight tickets and upgrades, hotels and car rentals.
With Axis Bank's eDGE rewards program, you can spend your reward points for purchasing over 500 chosen reward items.
Axis Bank's MY Wings credit card that comes with benefits like 20% cashback on domestic flights, Rs.25 off on IRCTC booking, Rs.100 cashback on domestic bus tickets and Rs.400 off on domestic car rentals would be the perfect choice.
Platinum cardholders get to enjoy exclusive privileges like 25% cash back on movie tickets, global emergency assistance, fuel surcharge waiver and eDGE loyalty rewards.
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