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  • Axis Bank Commercial Credit Card

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    Credit Card BYTES FROM OUR KITCHEN

    Axis Bank Commercial Credit Card

    Axis Bank is one of the leading banks in India that offers great financial solutions to its customers. The credit cards offered by this bank come with a lot of innovation and flexibility. They are designed to meet the changing needs and requirements of the customers. The Axis Bank Commercial Card is a unique credit card that comes with several benefits and perks that can definitely prove to be useful for you.

    Highlights:

    • Manage your travel policies and negotiate terms with your suppliers.
    • Employees can easily keep their official expenses and personal spends separate.
    • Reimbursement process is simplified using this credit card.

    Benefits of Axis Bank Commercial Card:

    The Axis Bank Commercial Card comes with a myriad of benefits. These are as follows:

    • Lounge benefits: Use your Corporate Credit Card to access International and Domestic airport lounges.
    • Streamlining all payments: The organisation that you work for will be tracking all your expenses on travel and entertainment. If you are a corporate, you can assign spending limits to individual employees so that you have better control over expense management.
    • Better deal: Avail access to detailed information about transactions. This information can be used for negotiating discounts with the key vendors. Your employee compliance can also be managed with the travel policies supported with the merchant level organisational spends.
    • Rewards program: You can earn a lot of points using this particular credit card and redeem the points for gift vouchers and exciting offers. You can check out the list of things that you can choose from on the official website of the bank, when you redeem the accumulated points.
    • Insurance protection: Avail insurance coverage with the Axis Bank Corporate Card.
    Coverage Cost
    Liability for lost card including counterfeit Rs.3,00,000
    Checked baggage loss Rs.30,000
    Credit Shield Rs.5,00,000
    Baggage loss Rs.30,000
    Baggage delay Rs.30,000
    Personal Accident Rs.4,50,00,000

    Features of Axis Bank Corporate Card:

    The Corporate Credit Card offered by Axis Bank comes with several attractive features. These are as follows:

    Corporate Liability: These credit cards help you to manage all your travel policies. Along with that, these cards help in negotiating the preferential terms with the major suppliers. After the corporate’s credit assessment is done, these credit cards can be issued. The corporates then assign the limit on the individual credit cards. The liability for the total outstanding balance on the card is borne by the corporate. Payment for the card is directly made to Axis Bank once every month instead of making multiple payments to the suppliers or the employees.

    Individual Liability: These credit cards work on the same lines as any other regular credit card. These cards help the employees to keep their personal expenses and corporate spends separate. They also simplify the process of reimbursement. The credit limit is assigned to the employee after proper individual assessment.

    Other features of the card are as follows:

    • You can check all the details of your card using Internet Banking. These include viewing the credit limit, outstanding balance, available limit and total due amount.
    • You can easily pay all your utility bills using the Corporate Card. These include telephone bills, electricity bills, internet bills, etc.
    • Keep a track of all the unbilled transactions with information such as history of the transactions, name of merchants and amount of these unbilled transactions.
    • Avail the credit statement for the past 13 months.
    • When you use the Axis Bank Corporate Card, you can get the name of your organisation embossed on the card. This will provide recognition and association to the employees.
    • The organisation that you work for can avail substantial discounts on the all the hotel booking and flight ticket purchase when they do it online.
    • Avail fuel surcharge waiver across all the petrol pumps in India. The minimum transaction must be Rs.400 and the maximum transaction can be Rs.4,000 to avail the waiver.
    • Enjoy easy online access to all your transactions and manage your data better. You can avail more than 100 interactive reports and schedules every day. This particular facility has the capability to extract flexible data. You can also restrict access at all the user levels.

    Eligibility:

    • You must fill up the CIB application form and register the user who will be using the commercial card.
    • Choose the option that says Commercial Cards.
    • When the on-boarding is successful, then the user will be able to access the commercial corporate cards.

    Documentation:

    Documents required for Corporate Liability are as follows:

    • AOA/MOA.
    • Corporate PAN card.
    • Board Resolution.
    • Corporate Application Form.
    • Post Credit Appraisal.

    Documents required for Individual Liability are as follows:

    • Form 60 or PAN card.
    • Salary slip, Form 16, offer letter.
    • Address proof including driving licence, ration card, electricity bill, etc.

    Fees and Charges:

    Corporate Liability:

    Types Fees and charges for Corporate Liability
    Fee for joining As per agreement with the company
    Annual fee As per agreement with the company
    Fee for add-on card (joining) Not Applicable
    Fee for add-on card (annual) Not Applicable
    Replacement of card (stolen or lost) Nil
    Fee for cash payment Nil
    Fee for duplicate statement Waived
    Fee for copy request Rs.200
    Fee for outstation Cheque Waived
    Transaction alerts on mobile Waived
    Charges for hotlisting Nil
    Chargers for balance enquiry Waived
    Finance charges Not Applicable
    Late payment fee 3% of the due amount subject to a minimum amount of Rs.350
    Penalty for over limit 3% of over limit amount, subject to a minimum amount of Rs.300
    Dishonor fee Rs.300
    Cancellation or purchase surcharge on train tickets As per Indian Railways or IRCTC
    Fee for foreign currency transactions 3.50%
    Service tax As per the Government norms
    Card replacement emergency fee As per VISA GCAS (Global Customer Assistance Service)

    Individual Liability

    Types Fees and charges for Individual Liability
    Fee for joining As per agreement with the company
    Annual fee As per agreement with the company
    Fee for add-on card (joining) Not Applicable
    Fee for add-on card (annual) Not Applicable
    Replacement of card (stolen or lost) Nil
    Fee for cash payment Rs.100
    Fee for duplicate statement Waived
    Fee for copy request Rs.200
    Fee for outstation Cheque Waived
    Transaction alerts on mobile Waived
    Charges for hotlisting Nil
    Chargers for balance enquiry Waived
    Finance charges 2.95% each month (41.75% each year)
    Late payment fee If outstanding is up to Rs.2,000 then you have to pay Rs.300; If outstanding is between Rs.2,001 and Rs.5,000, you have to pay Rs.400; If outstanding is Rs.5,001 or above, you must pay Rs.600
    Penalty for over limit 3% of over limit amount, subject to a minimum of Rs.300
    Dishonor fee Rs.300
    Cancellation or purchase surcharge on train tickets As per Indian Railways or IRCTC
    Fee for foreign currency transactions 3.50%
    Service tax As per the Government norms
    Card replacement emergency fee As per VISA GCAS (Global Customer Assistance Service)

    Credit Card Reviews

    • Axis Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The best about AXIS BANK NEO CREDIT CARD is offer. They are providing so much discounts on online purchase. They have offered me a credit limit of Rs. 45000 and i'm not excited about it. I have not interacted with the call centre bank. The service of the card is really good. I have not faced any transaction related issues as such.
      Was this review helpful? 6
      , navi mumbai
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Limit should be enhanced"
      0.5 4.5/5 "Excellent!"
      I got the basic credit card from Axis bank, which has annual fee around Rs.499 for basis charges, they are providing reward point sand cash back on my spend. The customer service is low it would enhanced the credit limit, any way its fine for me.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Below avergae card"
      0.5 4.0/5 "Great!"
      I have been using Axis bank credit card for 1.5 year there is no much cash back offers for cash back and rewards points .Am not satisfied with credit limit And there is no annual fees for the card There is more additional charge for the transaction which i make. And the rate of interest is high because of that i have closed the card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Good card without annual fee"
      0.5 5.0/5 "Blown Away!"
      Over all experience is good, actually I was looking for the card which doesn't have annual card, hence I have taken Axis Neo card. The card features is good. I have not check about the rewards points, the limit of the card is fine for me its great to hold.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Good Life time free credit card"
      0.5 3.0/5 "Satisfactory"
      Axis credit card is widely acceptable on the transactions, that is the reason I have availed this card. But they have taken long time to complete the documents, the card features is upto the mark. They gave me joining perk. I have new card its life time card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Must to have this card"
      0.5 5.0/5 "Blown Away!"
      There are very good offers like no annual fee and 10% discounts on all the purchase. They have provided me a credit limit of Rs. 1.55 lakhs. Documentation process was fine. There is a 10% cashback on Jabong, myntra and makemytrip. I never spoke with their customer care service. They have to offer a welcome benefits to the customer.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with AXIS BANK , i am holding this card for past 1 month . They provide me with AXIS REAWRD Credit card . There was delayed in getting the card the process was little slow. The card is normal,benefit is not much with this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "They need to incrsae credit limit"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with AXIS BANK , they offered very low credit limit it is 45000 . I have not sue this card much because they provided me with very low limit they should increase my credit limit i have multiple card with good limit . I am not happy with the services .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Very Good card for life style"
      0.5 5.0/5 "Blown Away!"
      Since good benefits on the life style products hence i chosen this card. Since its a new card, i have not used it much. The credit limit around of Rs. 60K and i was expecting around 1 lakhs but i have not received the same hence I'm not that much happy about it. I got the card very fast. Processing of getting this card is extremely easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Features should be improved"
      0.5 3.0/5 "Satisfactory"
      My salary account with AXIS hence the credit card came along with them but the offers are low compared to other credit cards. There points are low for the transactions, the customer support is okay fro me . I am holding life time free credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Need to improve the offers"
      0.5 5.0/5 "Blown Away!"
      Across the banks, the charges and interest rate are almost same. Since i have all other bank card, i just to experience the Axis bank card hence i chosen the same. Neo card is a life time free card. I have got a very good credit limit of Rs. 2 lakhs. Got my card on time and i don't require to call their customer care.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Excellent Card"
      0.5 5.0/5 "Blown Away!"
      Holding Axis card around 3.5 years, its take instant credit when I pay the amount it reflect immediately on their system, the customer support is super. The card which I am holding it has annual fee around Rs. 500, the credit limit is also good even they have grace period.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      The best about the Axis Bank credit card is I get more offers. If I take a EMI option, I get billed in the second month and not in the current bill. The payment is also very easy and it instantly reflects on it. I get 5% cash back on groceries and hotel dining. It s a life time free card and there are reward points, which I used to order things on eCommerce website.
      Was this review helpful? 0
      , thane
      Reviewed on Dec 14, 2018
    • Axis Bank Credit Card
      "Good Rewards point"
      0.5 5.0/5 "Blown Away!"
      I do have Axis credit card , they are providing good reward points on the transaction some time cash back offers are good in e commerce site like amazon, flipkart, the card limit is Rs.40k. For shopping they are giving emi conversation its easy to pay.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank credit card for while,they have not charged me annual fee in this card, it is life time free credit card, and i am happy with my credit limit which they have given me in this card, there provide good offers in maximum products.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Good Banking with Axis"
      0.5 5.0/5 "Blown Away!"
      It was near to my earlier place, the minimum balance maintenance around Rs. 25,000 on monthly basis. Axis is good, I don't think there is a limit for the online transaction but for the cash withdrawal upto Rs. 50k but I have not using that account hence I gave the request to close the account.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Quick Process"
      0.5 5.0/5 "Blown Away!"
      I am not using Axis credit card frequently, I have been banking with them for long term hence I availed this card. Axis gave me life time free credit card, the limit is good. The card process is so convenient I am existing customer of the bank hence its fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using Axis bank credit card for long time,they have not charged me annual fee in this card, it is life time free credit card, and i am not much happy with my credit limit they have given me less but it is okay for me , they donâ??t provide much good, but there reward points is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Axis bank is giving good service for credit card . Am getting more cash back offers and reward points in the Axis credit card . There are no additional charges and annual charges for the card. Am satisfied with the credit limit which they have provided.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Using Axis bank credit card for last few years its good card for cash back .Am not that much satisfied with credit limit which they have offered . And there is no annual fee as its life time free card . There is no transaction charge for the transaction which i make. Not contacted their customer service as of now not faced any issue.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
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