Axis Bank Credit Card Application

Be it paying for groceries at the end of the month, booking a cab when your wallet is light, or shopping online during a festive sale, credit cards often make life easier. They not only give you instant access to funds but also let you convert big spends into easy Equated Monthly Installments (EMIs).

Axis Bank, one of India’s leading private banks, offers a diverse range of credit cards to cater to various habits and lifestyles. For access to the bank’s credit card, you need to follow an application process. In this blog, we will cover the Axis Bank credit card application process, right from eligibility and documents to the final steps.

Axis Bank credit card: apply online and offline

1. Net banking

   • Visit the official Axis Bank net banking portal
   • Click on 'Explore Products' and navigate to ‘Cards’
   • Choose the credit card that suits your financial goals
   • Review the applicable charges, interest terms, and other benefits offered with the card
   • Click ‘Apply Now’ and select if you're an existing or new customer
   • Provide the necessary details in the application as per the bank’s eligibility guidelines
   • After submitting, you will get an Axis Bank credit card application ID to track its status
   • Once approved, your credit card will be sent to your registered address
   • Activate the card by setting a PIN using the internet or phone banking

2. Mobile app

   • Download the Axis Mobile app from the Google Play Store or the Apple App Store
   • Create an account or log in to your mobile app
   • Tap on the ‘Product’ section
   • Select ‘Credit Cards’ and tap on ‘Apply Now’
   • Browse through available cards and tap on the preferred one
   • Complete the necessary information and submit your application.

3. Branch visit

   • Visit the nearest Axis Bank branch during working hours
   • Visit the nearest Axis Bank branch during working hours
   • Discuss your needs with the representative and select a suitable credit card
   • Fill out the physical form with the required information
   • Apply with the needed documents to the bank representative
   • You will receive an acknowledgement with your Axis Bank credit card application ID for future reference
   • Once your application is approved, the Axis Bank credit card will be delivered to your doorstep

Also Read: How to Check Axis Bank Credit Card Status

Eligibility criteria for Axis Bank credit card application

• Age: Applicants should be between 18 and 70 years old (this may vary slightly based on the card issuer).
• Income: A stable monthly income is required; the minimum amount depends on the type of credit card.
• Employment type: Salaried and self-employed individuals are eligible, provided they can show consistent income proof.
• Credit score: A score of 750 or more is generally preferred, as it reflects responsible credit behaviour.
• Banking relationship: Existing Axis Bank customers may benefit from easier approval or relaxed requirements.
• Other loans & liabilities: A healthy Debt-to-Income Ratio is essential; fewer liabilities improve chances of approval.
• Residential status: Open to Indian residents and Non-Resident Indians. (NRIs may need to submit additional documents.)

Documents required to apply for an Axis Bank credit card

Benefits of Axis Bank credit card

• Reward points: You can earn points, cashback, discounts, or air miles on everyday purchases. These can be redeemed for gift vouchers, merchandise, travel bookings, or direct statement credits.
• Flexible EMI facility: Convert high-value transactions into easy monthly instalments (EMIs) to better manage your finances and avoid large one-time payments.
• Interest-free credit period: Benefit from an interest-free period of up to 50 days on your purchases to help you manage cash flow more effectively.
• Customised credit limits: Choose a credit limit that aligns with your income and spending patterns, ensuring better control over your expenses.
• Reduced fuel costs: You can save on fuel expenses with surcharge waivers at petrol pumps across India, available with eligible credit cards.
• Cash withdrawal facility: Withdraw cash from ATMs using your credit card when needed. Keep in mind that interest charges apply from the day of withdrawal.
• Travel privileges: Enjoy comprehensive travel insurance coverage for emergencies, including trip cancellations, medical incidents, and lost luggage, during your travels.
• Hotel and lifestyle perks: Get access to upgrades and special privileges at select hotels to enhance comfort and add value to your stay.
• Complimentary lounge access: Enjoy access to premium airport lounges with select cards to experience comfort and exclusive amenities during your travel.

Axis Bank offers a range of convenient options for applying for a credit card, including net banking, the mobile app, and in-person branch visits. Each channel is designed to meet different customer preferences, making the process simple and accessible. Reviewing the eligibility criteria in advance and keeping the required documents ready can further streamline your application.

Once you receive your Axis Bank credit card, using it wisely is the key to long-term benefits. Check statements regularly to track transactions, pay dues on time to avoid penalties, and stay within your credit limit to maintain a strong credit score.

Frequently asked questions

1. How to apply for an Axis Bank credit card?

   You can apply for an Axis Bank credit card online via the website or app by submitting the form and documents. Alternatively, visit the nearest branch to apply offline. After approval, the card is delivered to your registered address.

2. How to track the Axis Bank credit card apply status online?

   You can check your Axis Bank credit card application status online using your PAN and mobile number, application ID via the Axis Bank website, or your email ID.

3. What steps should I take if my Axis Bank credit card is lost or stolen?

   Block your card immediately via the mobile app, internet banking, or customer care. You’ll be protected under the ‘Zero Lost Card Liability’ policy, and a replacement card will be issued promptly.

4. Who is eligible to apply for an Axis Bank credit card?

   Anyone between 18 and 70 with a regular income can apply for an Axis Bank credit card. Both residents and non-residents are eligible, provided they submit valid proof of identity, address, and income. Income requirements may vary by card and policy.

5. How to cancel Axis Bank credit card application?

   To cancel your Axis Bank credit card application, contact the customer care at 1800 209 5577 / 1800 103 5577 / 1860 419 5555 / 1860 500 5555 with your application ID, or visit the nearest Axis Bank branch to submit a written request.