Axis Bank offers a wide range of credit cards and these cards are designed specifically to cater to your shopping, food, travel, hotels, and overall lifestyle needs. Before you opting for any of these cards, there are certain Axis Bank Credit Card Eligibility Criteria to check with as follows,
- Your annual income must be at least Rs.6 lakh.
- You must be a salaried or self-employed individual.
- The age of the primary cardholder must be between 18 years to 70 years.
- The age of the add-on cardholder must be above 15 years.
- Some Axis Bank credit cards can be issued against Axis Fixed Deposit.
- These cards cannot be availed against Tax Saver FD, Flexi-Deposits, non-individual FDs and FDs under HUF.
Here are the Credit Card Eligibility Criteria for Axis Bank Credit Card
Axis Bank Buzz Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank My Zone Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Neo Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Vistara Infinite Credit Card
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Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- The Minimum income salary for this card is Rs.6 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Vistara Signature Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- The Minimum income salary for this card is Rs.6 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Vistara Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- The Minimum income salary for this card is Rs.6 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Privilege Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- The Minimum income salary for this card is Rs.6 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Miles and More Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- Check with the bank for minimum salary income required
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Select Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- The Minimum income salary for this card is Rs.9 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Pride Platinum Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 15 Years for Add on Cards.
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Pride Signature Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Insta Easy Credit Card
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must have minimum fixed deposit of Rs.20000
- Check with the bank for minimum salary income required.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Axis Bank Signature Credit card with Lifestyle Benefits
Eligibility Criteria
- Applicant must be between age of 18-70 Years for Primary Card Holders.
- Applicant must be age of above 18 Years for Add on Cards.
- The Minimum income salary for this card is Rs.9 Lakhs p.a.
Documents Required
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Documents Required to Apply for an Axis Bank Credit Card
- Identity Proof and Residential proof: (any one of the following)
- Ration Card
- Electricity or Telephone bill
- Passport
- Proof of income: (any one of the following)
- Latest Salary slip
- Form 16
- Income Tax Returns
- Permanent Account Number (PAN) card
- Form 60 (if PAN is unavailable)
Factors that Affect your Axis Bank Credit Card Eligibility
There are many factors that affect your axis bank credit card apply eligibility criteria. Some of the factors are as follows:
- Age: When you apply for a credit card, lenders consider your age. You will be required to meet the age criteria set by the bank. If you barely meet the minimum age criteria set by the bank, chances are that you do not have sufficient credit history. In that case, you might want to build your credit history before applying for a credit card.
- Total income: Your income plays a crucial role when you apply for a credit card. Do not forget to include all your monthly earnings when you apply for a credit card. The chances of your credit card application being approved are high when you have a high monthly income.
- Debt-to-Income Ratio (DTI): Before applying for a credit card, it is recommended to calculate your Debt-to-Income Ratio. A DTI is calculated by dividing your total gross monthly debt by your monthly income.
- Credit score: The credit reporting agencies in India, namely TransUnion, Equifax, and Experian calculates your credit score from time to time. A credit score can range from 300 to 800. A high credit score increases your creditworthiness. A poor credit score has the potential to get your credit card application rejected.
- Lack of credit history: If you are a student or just started working, you might not have a credit history. In this case, lenders will not be able to assess your repayment capacity or your creditworthiness and your application may be rejected.
Other Factors
- Multiple credit inquiries
- A high outstanding amount on your existing credit cards
- Number of credit cards you own
- Recent delinquency on your credit report
- “Charge-off” or “Settled” remark on your credit report
- Job stability
How to Improve your Axis Bank Credit Card Eligibility
If your credit card application is rejected, you can apply again after improving your eligibility. Some of the ways you can improve your credit card eligibility are:
- Increase your credit score.
- Pay all your bills on time.
- Avoid making multiple hard enquiries for credit cards.
- Maintain a good Debt-to-Income Ratio.
- If you have an existing credit card, maintain a good credit utilisation ratio and pay your bills on time.
- Avoid cheque bonuses, late fees, and penalties on all your active lines of credit.
- Consider increasing your income and reducing your total debt to get better credit card deals.
FAQs on Axis Bank Credit Card Eligibility
- I will turn 18 in a month. Will I be able to apply for an Axis Bank credit card?
No, you will have to wait for a month to apply for an Axis Bank credit card. As per the general eligibility criteria of the card issuer, an applicant has to be at least 18 years old at the time of applying for a credit card through the bank.
- I am a Non-Resident Indian (NRI). Will I be eligible to avail a credit card through Axis Bank?
Yes, you will be able to avail a credit card through Axis Bank as the card issuer allows both resident and non-resident Indians to apply for the cards.
- Can I make international transactions using my Axis Bank Credit Card?
Yes, Axis Bank credit cards can be used for making international transactions. However, it should be kept in mind that there might be certain fluctuations in the way the amount is charged on the credit card owing to the difference in valuation of the currencies.
- Can I use the Axis OK smartphone application if I only have a credit card account with the bank?
Yes, you can use the Axis OK smartphone application with your credit card account.
- What should I do if my Axis Bank Credit Card application is rejected?
If your Axis Bank Credit Card application is rejected, you can get in touch with the bank to find out the exact reason for the rejection. In most cases, the credit card applications area rejected due to insufficient details or documents provided by the applicant or if the applicant is not able to meet all the eligibility criteria. In such cases, you can wait for a while and build up your credit score as well. This increases the chances of approval for your application.
