Credit cards are not just pieces of plastic that offer you with access to cash on an instant basis. They can also provide you with a range of offers, privileges, promotions and benefits from time to time. In fact, they can also help you to save money through various discounts and deals. In order to make sure that you are able to enjoy the maximum benefits of using a credit card, you should opt for a card that provides a ton of beneficial features at the lowest fee possible. Axis Bank Platinum Credit Card is one such card that can provide you with many benefits and you will not need to burn a hole in your pocket to pay its annual fee and other charges.
Axis Bank is one of the leading issuers of credit cards in India and the bank enjoys a very good reputation with the customers as a top provider of financial products and services in the country. Axis Bank offers a variety of credit cards that cater to the lifestyle needs of people from all walks of life. Axis Bank Platinum Credit Card is one of the most popular cards offered by the bank and it will provide you with access to a world of benefits and privileges that can enhance your lifestyle. The best part is that, you can apply for it online and if your application is approved, the card will be issued to you in no time.
You will earn Edge Loyalty Reward points for almost all kinds of transactions completed with your Axis Bank credit card. In fact, you can earn 6 points every time you spend Rs 200 on your card, except for fuel transactions.
You can earn 2X Edge Loyalty Reward points for the transactions completed with this credit card during your birthday month.
You can earn 12 points every time you spend Rs 200 on your card for international spends.
You can earn 100 reward points the first time a supplementary (Add-on) card is issued by the bank, on your request.
The card comes with the ZERO liability for lost card feature and so you will not be responsible for any transactions completed with a lost card, up to the credit limit of you card. However, you will have to report to the bank immediately, if you card is lost or stolen.
This credit card from Axis Bank will provide you with access to Global Card Assistance Services offered by Visa International. Through this service, you can easily report a lost/ stolen card and also request you’re a replacement card on an emergency basis from an overseas location.
You will get the option of converting your credit card purchases into Equated Monthly Instalments (EMIs) by just giving a call to the bank. The amount of the transaction should be minimum Rs 2,500 to avail this feature on your Platinum Credit Card offered by the bank.
Axis Bank Platinum Credit Card Benefits:
It offers enhanced security for all kinds of transactions at online as well as regular stores. Thus, you can shop online with peace of mind as the transactions will be secured.
It offers you with the advantage of both Chip and PIN technologies and so the card will be accepted widely at all merchants. The card comes with an EMV certified chip and so it offers you with additional protection against skimming fraud and counterfeiting.
You can get cash back of 25% when you use this Axis Bank credit card to book movie purchases on all days. In a calendar year, you can earn up to Rs 1,000 as a cashback when you use your card for booking movie tickets. Also, you will not earn any reward points when you use your card for movie offers.
You can save money when you refuel your car as you will enjoy fuel surcharge waiver of 2.5% when you use your card for fuel transactions. The amount of the fuel transaction should be minimum Rs 400 but not more than Rs 4000. You can enjoy fuel benefits of up to Rs 400 every month.
You will not only enjoy the great features offered by the card, but you will also benefit from the quality of customer support offered by the bank. If you have any query, you can contact Axis Bank credit card support team through phone or email and they will revert within no time.
Axis Bank Platinum Credit Card Eligibility and Documentation:
You should be aged minimum 18 years but not more than 70 years to apply for this credit card.
You should be an individual who resides in India or a Non-Resident Indian (NRI)
Form 60 or copy of PAN card
A recent photograph (coloured)
Proof of income such as latest payslips, It returns copy or Form 16
Residential proof such as Ration card, Passport, landline telephone bills or electricity bills
Proof of identity such as Passport, copy of PAN card, Aadhaar card, Driving license
Disclaimer: Please note that the above mentioned eligibility criteria and documents required are merely indicative and credit card applications are approved at the sole discretion of the bank.
Fees and Charges
Joining Fee (Standard)
Rs. 500 ( the fee is waived is you spend Rs. 5,000 within 45 days of receiving the card)
Annual Fee (Standard)
Rs.200 (from the Second year. It is waived if you spend minimum Rs. 1,00,000 the preceding year)
No annual fee is charged for those existing cardholders who received their cards on or before 7 Feb, 2011.
Add-on Card or Supplementary Card Joining Fee (Standard)
Annual Fee for Add-on Card
Finance Charges for Retail Purchases and Cash transactions
3.25 % per month or 46.78 % p.a.
Fee for Cash Withdrawal
2.5 % of the amount withdrawn (Minimum Rs 250)
Fee for making Cash Payment
Card Replacement Fee (lost/ stolen/ re-issue)
Fee for Duplicate Statement
Fee for Late Payment
Rs. 300, in case Payment Due is Rs. 2,000 or less
Rs. 400 in case Payment Due is more than Rs 2000 and up to Rs. 5000
Rs. 600 in case Payment Due is more than Rs 500
Penalty for exceeding credit limit
3 % of the over limit amount (Minimum Rs 500)
Fee for Outstation Cheque
Cheque return Fee or reversal of Auto-debit due to lack of Funds fee
Surcharge for Fuel Transaction
It is waived if the value of fuel transaction is between Rs 400 to Rs 4,000, up to Rs 400 every month.
You can redeem your Edge Loyalty Reward Points for a range of gifts, discounts, promotions and deals from some of the top brands, online stores and other popular merchants that are a part of the Edge Loyalty Points Network. The best way to redeem the points is to login to your Internet Banking account with Axis Bank and then you can redeem them online. Even if you have as little as 500 reward points, you can easily redeem them for a range of exciting deals and offers across categories such as Personal Care, Travel and Sports, Health and Fitness, Home Decor and so on.
Axis Bank Platinum Credit Card FAQs:
What is the credit limit for an Axis Bank Platinum Credit Card?
Rs.400 if the minimum and the maximum is Rs.4,000. You can convert any of your credit card transactions which exceed Rs.2,500 into EMIs.
What documents can be submitted as address proof when applying for this card?
You can submit any of the following documents as address proof when you apply for this credit card from Axis Bank: Ration card, Passport, landline telephone bills or electricity bills.
How can I apply for an add-on credit card?
You can apply for an add-on credit cards with your Axis Bank credit card by sending ‘ADDON’ as a SMS to 5676782, OR you can submit a duly-filled application form to the nearest branch of Axis Bank. You will also need to submit your KYC documents which will need to be self-attested.
Can I get an add-on credit card for my friend?
No, you can only get an add-on credit card for your:
Daughter and Son (if they are aged 18 and above)
How can I generate a PIN for my Axis Bank credit card?
You can generate a PIN for your card instantly by visiting any of the ATMs of Axis Bank, of you can also generate it by calling the customer care service of the bank. When you visit the ATM, the PIN can be generated easily by only following a few steps.
How can I unblock my Axis Bank Credit Card?
You can call the Axis bank customer care number 1860-419-5555 or 1860-500-5555 to raise a request for blocking your credit card. You should have your card number and other details handy while contacting the banking executives.
What is the billing cycle of Axis Bank Credit Card?
The balance amount gets credited to your Axis Bank Credit Card account within 30 days from the date of the transaction.
What are the benefits of converting a purchase into EMI?
There are two major benefits of converting any purchase into EMI. The first benefit is that you will be able to pay for the purchase in parts at your convenience and so it will not become a financial burden for you. The second benefit is that you will enjoy a reduced interest rate on the purchase amount when you convert it into EMI. You will not be able to enjoy the same benefits when you pay for the purchase through regular monthly payments.
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