Axis Bank issued its first Credit card when it was still known as UTI Bank during 1999. The UTI Bank in association with Citibank launched an international co-branded credit card under the MasterCard’s umbrella. In 2005, Axis Bank launched Credit Card business in India. During 2007, it launched Platinum Credit Card, India’s first EMV Chip based card. In the year 2008, Axis Bank launched Platinum Credit Card, the first of its kind of EMV Chip based card.
Axis Bank is one of the first new-generation private sector banks to have started its operations way back in 1994.
It was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (previously known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
The shareholding of Unit Trust of India was finally transferred to SUUTI, an entity established in 2003.
On July 30, 2007, UTI Bank changes its name to Axis Bank.
Axis Bank is the third biggest private sector bank in India. It has 3,589 domestic branches (including extension counters) and 13,977 ATMs across the country as on December 31, 2017. It has more than 50,000 employees across the globe.
Its corporate office is located in Mumbai and the registered office is in Ahmadabad, Gujarat.
The following are the features of Axis Bank’s Credit Card:
• Attractive Rate of Interest – Axis Bank offers an attractive rate of interest on credit cards and it has waived most of the charges on some of its credit card categories which includes joining fee for an add-on card. It provides multiple tenor options to suit the payment budget of the customer.
• High Security – It provides high security for credit cards as it has features of both EMV Chip and PIN protection.
• Rewards – Axis Bank offers exciting offers on movie ticket bookings, cashback, shopping, dining, grocery, healthcare, lifestyle, travel, complimentary lounge access both domestic and foreign and so on. The bank has tie-ups with leading brands across all the sectors and provides attractive offers when an Axis Bank’s credit card is used to purchase a product or service.
• Convert Purchases to EMI (Equated Monthly Installment) – Axis Bank provides an opportunity to its esteemed customers to convert the high purchase transactions to EMI. Any purchase of Rs 2500 or above it can be converted into EMI.
The tenure for EMI can be chosen between 6-24 months. The EMIs will be charged to the credit card account, to make repayment convenient for the cardholder. A one-time processing fee of 1.5% or Rs 150 whichever is higher will be charged to the credit card account on the date of conversion.
You can convert the purchase into EMI within a period of 60 days of making the purchase by
- Sending SMS ‘EMI’ to 5676782
- Calling Axis Bank at 1860-500-5555 and 1860-419-5555 or submit an EMI
- Conversion instantly through Axis Bank Mobile application or submit an EMI
- Conversion instantly through Axis Bank Internet Banking.
• Instant Loan Facility – Axis Bank provides Instant Loan, a quick and easy loan against the credit card. The loan will be transferred immediately to the savings account after getting approval. The loan can be repaid on multiple tenor basis tailored to suit customers budget. No documentation is required to secure the loan.
A one-time processing fee of Rs 500 or 1.5% whichever is higher will be charged. In case of foreclosure, a foreclosure fee of 3% of the principal amount outstanding at the time of foreclosure or Rs 300 whichever is higher will be levied on the customer along with the service tax.
The following are the benefits of using Axis Credit Card.
• Go Cashless – Axis Credit card provides the cardholder with an option to go for cashless transactions with ease. A customer need not have to carry cash all the time, instead, a credit card will come in handy. Cards can be used to pay the money instead of cash and the chances of mishandling of cash can be minimized.
citibank credit card bill desk• Add-On Cards – Axis Bank provides a maximum of four add-on cards for the existing credit cardholders. The add-on card can be for spouse, parents, siblings or children who are above 18 years.
It provides a shared credit limit with the primary card. The add-on card comes with zero cost and zero annual fees. Minimum documentation requirements are required to secure the add-on card.
• Auto Debit Facility – Axis credit card provides an auto-debit facility for cardholders. If you are an existing account holder, then you will have added convenience of paying off monthly credit card bills directly through a bank account.
On the basis on the option preferred you will have the flexibility of choosing between the following options of paying the debit total amount due or debit minimum amount due (which constitutes 5% of the outstanding amount) while making payment through Auto Debit facility.
• Cash Advance Facility – Axis Signature credit cards can be used to withdraw cash up to 30% of your credit limit from over 1 million Visa ATMs across the globe. In India, one can access cash around the clock for 365 days in a year from any of the ATMs that displays Visa sign.
Well before you set off, experience a first-class travel experience with your Axis Bank Credit Card. Enhance your travel comfort with an Axis Bank Visa Card with complimentary access to Airport Lounges across India. Take a couple of minutes to indulge and appreciate the gourmet dining, pleasant seats, complimentary wi-fi, large screen TVs and more. Axis Bank MasterCard Credit Card enables you to access complimentary lounges in select Domestic and International airports. You can relax and experience lounge offers to refresh yourself using free internet access and a range of other facilities at the airports of Delhi, Mumbai, Chennai, Kolkata and Hyderabad.
Priority Pass greets you to experience over 600 VIP lounges at the airport worldwide, irrespective of the airline you travel or the class you are flying. As part of the world's largest independent airport lounge program, you will have access to state-of-the-art business services and a chance to chill while enjoying complimentary food and drinks. This means that your every travel is going to be VIP one with Priority Pass. The VIP treatment mentioned below can be experienced irrespective of the class you are travelling.
Safer than Cash
Using a credit card is safer than using real cash. If in case, the card gets stolen, all one needs to do is just to call up the bank and block the card. If it is stolen and used for fraudulent activities, then the possibility is higher than the cardholder will most likely get back their money.
Easy to carry and use
Credit cards are also called as plastic money. It is reliably easy to carry and use and is accepted at almost all the places be it grocery stores, malls, movie theatres, petrol pumps, eateries and so on.
Purchase Now and Pay Later
The credit card revolves around the concept that the user need not have to pay for the purchases immediately. They can purchase now and can make the necessary payment later as and when you have sufficient money. A credit card gives its user some kind of extra financial wriggle room and one should be careful not to go overboard and spend thriftily using the card. If one is confident enough to repay the borrowed amount, then they can go for it or else it is better to avoid it.
A credit card can be used at any of the emergency or for purchasing things online or during travelling or to pay bills at hotels or for car rentals. Let’s take a look at the detailed explanation of each of the scenarios.
A credit card comes in handy when emergencies knock at your door and when you fall short of your saved money to meet the expenses. It is better to have an emergency fund in hand so that you can fall back on it when the need arises, but if you do not have anything to fall back on then credit card is the next preferred option.
The only risk factor involved in this is you become reliant on this plastic money whenever an emergency pops up. Using the same for a rare like one-off emergency generally will not trap the holder into debt.
It is always better to save ahead for a holiday, but you can rely on the credit card to take advantage of cheap flights and deals with pre-booking. Some of the credit cards sometimes even come with an annual flight voucher or travel credit which can be used to pay for flight tickets.
It is advised not to put the entire vacation spends on the credit card unless you are in a position to afford for the same. Paying your entire vacation expense using a credit card, may take months for you for repayment or can even trap you in debt. To avoid this situation, plan and save your money for a vacation.
Most of the eateries will accept bill payment using a credit card. Some of them even require pre-authorization payment. This usually happens because if any kind of unexpected costs arises then the hotel management will use the funds from your credit card as your debit card may or may not have enough funds to cover the said expenses.
Prospective applicants can visit the official website of Axis Bank and click on the ‘Apply Now’ option which is present on the right-hand side corner of the web page which will show the various bank’s products. Now click on the ‘Credit Cards’ option, which will further take us to a new web page which asks the applicant to full up the details including
• First Name
• Last Name
• Mobile Number
• Enter captcha code and click on the Call Me option
• An OTP (One Time Password) will be sent to your mobile number
• Enter the OTP and select Submit option
You will receive a call from the representative of Axis Bank who will further guide you to secure a credit card of the bank which suits the needs and requirements of the customer.
After submitting all the details and documents as specified by the bank, it will check whether the prospective customer is eligible to secure the credit card or not. Based on the eligibility of the customer, the bank may accept or reject the application of the prospective customer. It will be at the discretion of the Axis Bank to decide if a prospective customer has to be given a credit card of the bank or not.
As per the Axis Bank’s disclaimer, the decision on the credit card will be communicated within 21 working days to the prospective customer.
Applicants can directly walk into the nearest branch of the Axis Bank and express the desire to obtain a credit card from the bank.
The bank executive will explain to you about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.
Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the application form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.
The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.
It will be at the discretion of the Axis Bank to decide if a customer has to be given a Credit Card or not.
To apply for an Axis Credit Card, one has to fulfill the following criteria
The following mentioned documents are required
• PAN Card Photocopy
• Form 60
• Recent passport size color photograph
Proof of Income
• Latest Payslip
• Form 16
• Income Tax Return copy
Residential Address Proof
• Ration Card
• Electricity Bill
• Landline telephone bill
Identity Proof (Any one of the following)
• Election Voters ID Card
• Driving License
• PAN Card
• Aadhaar Card
Axis Bank has created its credit card to serve target customers. It caters to every lifestyle requirements of today’s era. An Axis Bank’s credit card is the perfect companion for every occasion ranging from dining, travel, fuel or buying movie tickets and so on. The customers can choose the credit card that suits their prerequisites and enjoy the benefits and rewards on every credit purchase. Credit cards from Axis Bank offer world-class privileges, and cardholders can enjoy unlimited special offers from various merchant stores.
You don't need to recall your secure 3D password to make an online purchase through a credit card. With Axis Bank Credit Card, you can authenticate using a One-time password ( OTP) to complete the online purchase. The OTP alternative is Axis Bank's simple and safe online payment service which improves safety throughout your online transaction. There are two ways of utilizing OTP for authentication which are:
Key benefits of OTP option
Key information about Pre-OTP process
1. Process to generate Pre-OTP: SMS PREOTP XXXX (Last 4 digits of the Credit Card number) and send it to 5676798 to generate an OTP.
2. Process to use an OTP: Please enter the OTP along with the card relevant information of your card like card number, expiry date and CVV number / ATM Pin for completing a transaction.
3. Validity of OTP: The generated OTP is valid for 30 minutes and for a single use only from the time of issuing.
The cardholder can block the credit card by sending as SMS to 5676782 from the registered mobile number.
The Credit Cardholder can close the card account by writing to the Axis Bank’s Branch Manager or by calling the Axis Bank credit card customer care executive at 1800-233-5777 or 1800-209-5577.
The cardholder can also send an email to firstname.lastname@example.org or email@example.com – the Axis Bank’s executives mail id for credit cards and mention the intention to close the credit card.
After informing the executive your intention to close the credit card, the cardholder is required to cut the credit card diagonally.
The closure of the credit card will be effective only after payment of all the dues are made by the cardholder.
There are several easy ways to get the Axis Credit Card Statement. One has to follow the below-mentioned steps to view or download your statement:
Axis Credit Card Statement using Axis Support
Visit the official web portal of Axis Bank >> Choose the Credit Cards Section followed by Statements section >> In this page click on the ‘Download Using Registered Mobile Number’ >> Now enter your registered mobile number, an OTP will be sent to your registered mobile number >> Enter the OTP and now select your credit card number
Your latest Axis credit card statement will get downloaded on your device.
Axis Credit Card Statement using Mobile Banking
Visit the Axis Mobile Home Page and select the Credit Cards section >> Now Select your card and click on the Last Bill Amount >> This will show you the Past Statement >> Now select month >> Now click on ‘View Transactions’ which will show you the Axis Credit Card Statement for a particular month.
Axis Credit Card Statement using Internet Banking
Visit the official web portal of Axis Bank >> Click on ‘Personal’ option in the main page >> Select ‘Credit Card’ option >> View Current Statement >> Download Axis Credit Card Statement in PDF, CSV or XLS format.
Axis Bank provides daily and monthly E-statement facilities to the current credit card users which enables them to easily track business transactions on the go. Keep track of all the transaction details of your credit cards, and other transactions online through these e-statements. The features of the e-statement are developed bearing in mind that it is accurate and easy to generate.The specifics for the features of the e-statement are set out below.
Key Features of Axis Bank Credit Card E-Statements
The e-statements can be accessed free for lifetime by the users on a monthly daily and monthly basis. No matter you have a large or small firm you can track your business transactions with ease.
No need to visit to your nearest bank branch for account statement set your monthly e-statement for personal banking and get it on your mobile or laptop in a PDF format. By simply by logging on to the website, net banking or sending an SMS you can easily access your e-statements.
Key benefits of e-statement registration
Different ways to get e-statement
Now, the users of Axis Credit Card can pay their bills easily as the bank is providing various solutions both online and offline. One can choose the mode of payment as per your convenience and make payments accordingly before the due date.
To make payments for Axis Credit Card through mobile banking, first login to the mobile banking account and select the credit card number under the accounts section:
To make payment through NEFT, Log In to your Axis NetBanking Account and click on NEFT Payment
Now on the next page enter the details on their required place:
Apart from online method Axis Bank provides offline method to make payment. Below are the types of offline method and its procedures.
Pay your credit card bill through Cheque or Draft
Pay your credit card bill through Cash.
Pay your credit card bill through Auto Bill
Axis Bank Credit Card Payment through ATM
One can now make Credit Card payments online from any other bank account, if the person does not have an account with Axis Bank, then he/she can make payment at Bill Desk.
Benefits of Axis Bank Credit Card Bill Desk
Who can pay through Axis Bank Credit Card Bill Desk?
Axis Bank Credit Card Bill Payment through Bill Desk
PingPay Masterpass is a digital wallet to store your card which allows you to shopping online in a simple, safe and seamless manner. For faster check-outs, you can place all of your Axis Bank Credit and Debit Cards and shipping information in one secure wallet.
After downloading & registering in Axis Banks mobile app, you can create PIN for your Credit Card. Here are the key benefits of PingPay Masterpass.
1. Seamless: Pingpay Masterpass stores the specifics of your card and the billing address, which means you do not need to remember your card details for each transaction.
2. Safe and Secure: All purchases have an enhanced security feature with a easy six digit password generated at the time of registration. You can also deactivate or activate any of the card details stored at anytime.
3. Quick checkout: When you pay for Masterpass with a registered card, just select the Card and complete the purchase with s faster checkout facility.
Process to register
Process to pay using PingPay Masterpass when shopping online
The interest-free period is also referred to as ‘Grace Period’ and it is the time duration within which the credit card provider will not charge any interest on the purchases made on the credit card. In the case of Axis Bank, the interest-free period ranges between 20 – 50 days and it depends on the date of the transaction. This particular feature is applicable only if the cardholders previous month’s balance is fully repaid.
If the cardholder will repay the total outstanding balance within the interest-free period, then he/she will not be charged anything besides, which means that the cardholder has enjoyed the credit facility at zero per cent rate.
The Axis Bank’s Neo credit card is one of the best credit cards offered by the bank which includes gift vouchers from Amazon, Myntra, Jabong, BookMyShow and so on. The card users can also avail a 15% discount at the partner restaurants spread across India. The card is built on a state – of – the – art – technology and its customer friendly services has ensured protection against fraudulent activities.
The users of this card can get a welcome gift voucher from BookMyShow which can be used while booking for movie tickets of their choice. Get a minimum of 15% off at any of the partnered restaurants in India. One can also use the card and get a gift voucher and redeem the same while shopping with Myntra. Get 10% cashback on mobile recharges which are done through the Freecharge mobile app and get monthly benefits of up to Rs 30.
Key Details of Axis Bank Neo Credit Card
The card has a wide range of offers and benefits that are listed below:
Apply for Axis Bank Neo Credit Card and get the below-listed benefits
Lost Card Liability
Apply for Axis Bank Neo Credit Card and enjoy the below listed offers and deals.
Online Shopping Offers
Offers on Travel
The accumulated reward points from Neo credit card have a validity period of 3 years after which the points will expires automatically. To redeem your reward points please follow the steps listed below:
The following eligibility criteria must be met to apply for a Neo Credit Card:
Applicants of Axis Credit Card can check the status using any of the two methods. One is using the Application Reference Number (App ID) and the other one is through PAN card number and mobile number.
Checking Axis Credit Card Status using the Application ID
The Application ID is a unique 9 digit number or a 20 digit number generated by the bank when you are applying for a credit card. The bank will share the number by sending an SMS or e-mail to the applicant’s registered contact details. After receiving the number, follow the below-mentioned steps to track the application status.
Checking Axis Credit Card Status using Mobile Number and PAN
If the applicants who have applied for an Axis Bank’s credit card have not received the application number or if in case, if you have accidentally deleted the SMS which contains the number, you can still find your application status by following the below-mentioned method
The page will reload with your credit card application status within a few seconds if the information entered is correct or accurate and it matches the records. If in case, you have wrongly entered the details then, the screen will display ‘no records found’. In that case, re-enter all the details and recheck. If you see the same status again, then you may have to wait for the bank to update your details.
Note: The other status results also include approved, on-hold, in progress, rejected or dispatched.
Individuals who have applied for the credit card can also call up the credit card department of the Axis Bank to track their credit card application status.
Dial the Axis Credit Card Toll-Free Number at 1860-500-5555 or 1860-419-5555.
You can even opt to visit the nearest branch of an Axis Bank to get the status of the credit card application. Make sure to keep the application ID handy as it will make the work easier.
Credit cards against a fixed deposit, technically called secure credit cards, are an ideal option for those who have no credit history or a poor CIBIL score.
Although getting a regular credit card requires you to have a stable monthly income, a good credit score and the like, for a secure credit card, you simply need a minimum fixed deposit with the bank.
Let's check out the other details on available credit cards versus fixed deposit, their merits, demerits, how to apply and other details.
A secure credit card is a variant of a credit card that can be used against a fixed deposit (FD) with the bank or the card issuer.
Each bank specifies a minimum fixed deposit amount to request a secure credit card. The amount of your FD account is directly linked to the total credit limit of your credit card. This means that the higher your FD amount, the higher your credit card limit. Banks generally provide 75% to 85% of the FD amount as a credit card limit.
Characteristics of credit cards against fixed deposit:
Affordable FD amount - The minimum fixed deposit amount usually ranges from 10,000 to Rs.20,000 and is therefore affordable.
Credit Limit - The credit limit offered on secure credit cards generally depends on the amount of the fixed deposit. Generally, banks offer 75% to 85% of the deposit amount as the total credit limit on the card.
Minimal documentation - To apply for secure credit cards, you don't need to submit a lot of documents.
Minimum duration - The minimum duration of the fixed deposit that you give as a guarantee to the bank must be 6 months.
Interest-free period - Typically, banks offer an interest-free period of 48 days to 55 days on secure credit cards.
Rewards - These cards offer customers multiple rewards such as reward points, cashback, etc.
Interest on fixed deposit - Cardholders will continue to earn interest on their fixed deposit.
Individuals who hold Axis credit card can redeem their accumulated points using any of the following modes:
Axis Bank Mobile App
First, download the Axis Bank mobile app and click on the ‘Rewards’ tab from the menu option to view your available points balance. Now go to the ‘Redeem Now’ section and click on the ‘Rewards Store’. Choose the rewards of your choice from the different categories to proceed further and add to the basket and confirm the redemption.
Axis Credit Card Toll – Free Number
Individuals can even opt to redeem their accumulated points for products displayed at the ‘Reward Store’ by dialling up the Axis Credit Card Toll – Free Number.
Note: All the services offered on the ‘Recharges & Bookings’ store cannot be redeemed through the contact centre.
Axis Bank Internet Banking
First, log in to internet banking with your customer ID and password. Now click on Axis eDGE rewards on the account summary page. Proceed further and accept the Terms & Conditions and then click on the ‘Redeem Now’ option to view the Rewards Store. Now Choose the reward of your choice from various categories as per your preference, add to your basket and confirm the redemption. After accepting the Terms and Conditions for the first time on the internet banking, you can easily redeem your points the next time whenever you log in to the Axis eDGE Rewards via web portal using the feature.
Axis eDGE Rewards Website
Individuals can redeem their accumulated reward points using the Axis eDGE Rewards web portal. All you have to do is to sign up for the program by visiting the registration page and depending on the credit card you hold you will have to choose the appropriate product from the drop-down menu and then fill in all the relevant details to register yourself. Post successful registration you will be receiving an e-mail which will confirm your user ID and password. Now you can visit the ‘Redeem Now’ section after logging in using your credentials (User ID & Password). Choose the reward of your choice from several categories to add to the basket and confirm the redemption.
Customers who are holding some of the premium or selected cards will be auto-registered to this programme. All those customers will be getting an email which will confirm their login credentials which they can use to access the loyalty account on the web portal or to redeem their points accordingly.
Individuals who have applied for a credit card with the Axis bank can write an e-mail to the bank or one can even opt to fill in the online e-mail form which is available at the bank’s web portal.
Through Axis Bank Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your Axis NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Axis Credit Card Login and how to use it.
In a few easy steps, Axis Bank ensures free Internet banking registration. Axis Net Banking is secured with Netsecure's additional two-step authentication system. Below are the steps given to register Internet Banking
For Retail / Agri-Rural customers
For NRI Applicants
Usually, all the providers of credit card charge a fee on the amount which you borrow using the card and it is referred to as interest charges or finance charges. The interest rate will be charged only if you have not paid the total outstanding bill amount within the set due date or within the stipulated interest-free period (whichever is applicable).
For example: If an individual’s credit card balance is Rs 20,000 and he/she makes a partial payment of Rs 15,000 or the minimum due amount, the remaining balance amount of Rs 5,000 will be carried forward to the next billing cycle and interest on the remaining balance amount will be levied accordingly.
If in case, if you opt to clear the total outstanding amount within the said due date, then you will not be required to pay any additional fees. If you are an individual who prefers to pay the credit card amount bill within the due date then it is important to know the interest rates on credit cards and how it is calculated.
You must know about the "Annual Percentage Rate" before you know about how the interest rate is calculated on a credit card. The annual percentage rate is a cost charged annually by your credit card issuer to you for the balance amount of the card. However, the banks charge on a regular basis a monthly interest rate on the balance due amount. You can calculate the Daily Periodic Rate by taking and dividing the Annual Percentage Rate by the number of days per year. For example: if the credit card issuer pays a monthly interest rate of 13%, the equation used to calculate the interest rate that you actually pay on a regular average balance approach is as follows:
Interest Rate = [(Total Outstanding Amount x 13% per month x 12 months) X number of days] / 365 days.
For this same reason, it is very necessary to know the annual percentage rate and monthly periodic cost while applying for a credit card.
Axis Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. An applicant can do this by adding the credit card as a beneficiary. Axis Credit Card IFSC Code is UTIB0000400
How to know Axis Credit Card IFSC Code?
Process to pay credit card bill using IFSC Code
Credit cardholders who do not have Axis Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete
Axis Mobile- Fund Transfer, UPI, Recharge & Payment app is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your Axis NetBanking Id and Password you can enjoy the benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Axis Mobile- Fund Transfer, UPI, Recharge & Payment app and how to use it.
Benefits of Axis Mobile- Fund Transfer, UPI, Recharge & Payment App
Register and Download Axis Bank Credit Card App
Below are the steps to download and register yourself in Axis Bank Credit Card App
Under the ' Credit Limit Enhancement ' feature, Axis Bank is offering to increase credit limit for its existing cardholders. The credit card should be about three months old to be considered for an upgrade. It is required to be active and to have no payment disruptions across its history. No caps or immediate loans made available on the card over the last 6 months should be upgraded/decreased. The final approval of your credit card, considering all qualifying criteria, is subject to the internal policies of Axis Bank.
If your card is eligible for limits, you may receive a phone call or an e-mail from the bank during the periodic review of the bank. You will affirm your approval on the same call if you are in compliance with all the terms and conditions. The telephone banking manager will then direct you to continue with the process. Usually, once the request is made, the bank takes one day to approve the same. After your card has been updated, you will obtain a confirmation notification on your registered mobile number and e-mail address.
Below given os the process to check Axis Bank Credit Card Limit
SMS CLE XXXX (last 4 digits of your card number) to 5676782 from your registered mobile number.
Axis Mobile App
Login to the mobile APP -> Select “Credit Cards” -> Select “Your Credit Card” -> Click on “Total Controls” -> Select “Check for Limit Increase”
Log in to Mobile Banking -> Go to “Services & Support” -> Select “Credit Cards: Limit Increase”
Axis Bank Credit Card Website
Axis Bank Phone Banking
Call us on our Toll-Free Number: 18604195555/18605005555 to increase your credit card limit.
In partnership with Vistara, the axis bank has introduced credit cards that are best-suited to travel. Axis Bank Credit Card guarantees great rewards as well as nice offers over shopping, movies and travel. Additionally, it provides the facility to turn your massive shopping into easy EMIs. Below given are the best credit cards with its charges. Pick up the one which fit your eligibility.
Axis Bank gives its cardholders loan against credit card which acts like a personal loan. It is a financing resource that will help one meet his / her financial needs in a pretty short period. He/she will borrow money as long as one has a credit card, typically without having to submit any additional documents.
Below listed are the features of Axis Bank Credit Card Loan
Axis Bank defines the eligibility through its internal policy guidelines. This is a time-bound eligibility criterion; for a specified period of time and customers will be eligible for a specific offer. Eligibility Criteria for Axis Bank Credit Card Loan is listed below:
Below listed are the steps to apply for a loan against Axis Bank Credit Card.
To avail the unique benefits of ATM transactions like withdrawing cash, view the details for all your accounts, transfer money, change mobile number and much more, applicants are required to generate PIN for the ATM facility provided Axis Bank. Applicants can generate their credit card Pin through ATM, Net Banking, Axis Mobile App, calling tollFree number. Below given steps are for online PIN Generation. Go through all the steps to make your process complete, Below highlighted are the methods to activate your Axis Bank Credit Card via:
Generating your Credit Card PIN is a two-step process that involves generating an intermediate Activation Passcode, which can be used to create your PIN in. Below listed process is to generate Axis Bank Credit Card PIN via IVR
How to get PIN Activation Code:
How to use Activation Passcode to generate your Credit Card PIN
To generate your Axis Credit Card PIN, your mobile number must be registered with the bank. Please contact your Axis branch for registering mobile number if not registered already.
In case, you are not able to generate Credit Card PIN, please contact the branch or call contact Center helpline 1860 419 5555 or 1860 500 5555 for requesting physical PIN mailer.
The Axis Bank’s Credit Card EMI Calculator helps the cardholders to plan the instalments repayable at the time of purchase as it shows the clear demarcations on the break up of funds paid towards the principal amount, interest rate, tax and so on. These calculators can be used for an amount ranging between Rs 5,000 – Rs 5,00,000. It is very easy to use the Axis Credit Card EMI Calculator as one has to enter the transaction amount and the tenure sought for repayment and click on ‘Calculate’ option. The Credit Card EMI Calculator will immediately display the breakup and repayable amount towards the transaction amount. One can easily refer to the breakup of the payable EMI amount towards the principal, processing fee and interest and can scan through the entire plan of instalments in the amortization table.
How to calculate Axis Bank Credit Card EMI?
Axis Bank offers the eDGE Loyalty Rewards Program to its credit card customers for every purchase made by the card. This reward point is curated for you to give you an amazing experience of shopping and redeeming reward points for exclusive gifts. As well as offering a wide range of benefits, Axis Bank credit card holders can even allow redemptions under the eDGE Loyalty Rewards Program with a minimum number of accrued rewards points. With over 500 rewards from the Axis Bank Rewards Catalog, shoppers can receive rewards points in over 70 different ways and reap redemption benefits. Once you collected 300 reward points you can redeem it by logging in to edgerewards.axisbank.com, mobile banking, by calling the customer care center or any nearest Axis Bank partner outlets.
Axis Bank customers will have to add items to "My Wish List" before making redemptions, and then choose an element they need. Axis Bank also offers Earn Faster" solutions for credit cardholders, with a range of earning choices shown on the page, customized to the user's needs. In fact, consumers can use the ' Points Plus Pay ' tool to get a discount of their preference in case there is a lack of reward points. Rewards points received under the eDGE Loyalty Rewards Program have an expiry period of 3 years from the date of the transaction. Customers can use Internet banking services, mobile banking or the eDGE Loyalty Rewards platform to log in and update their accumulated reward points.
Below is the redemption process for Axis Bank Credit Card Rewards through Axis Bank Internet Banking, Axis Bank Mobile App, Axis eDGE Rewards Website, and Customer Care service.
Axis Bank Insta Easy Credit Card comes with tons of benefits and offers, but the only condition to avail this credit card is that the customer must have a Fixed Deposit account with Axis Bank. Axis Bank Insta Easy Credit Card is only offered and can be availed against your fixed deposit with Axis Bank. The card provides a broad variety of benefits including a 50-day interest-free credit period, flexible credit limits, cash withdrawal facility and much more. The card is also crafted with dining offers, fuel surcharge benefits, reward points for each transaction and more.
To apply for Axis Bank Insta Easy Credit Card, follow the given process.
For existing customer:
For non-existing customer
Shop with your Axis Bank Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get advantage on the deals and online offers. Save throughout the year with special offers like End of Season Sale & Dining Delights. Scroll down and get in touch with all the offers.
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For any credit card related query Axis Bank customers can give a call to the tollfree number- 1860 419 5555, 1860 500 5555
For agricultural and rural bank complaints- 1800 419 5577
Get a mini statement by calling 1800 419 6969 and know your account balance by giving a call to 1800 419 5959
In case of credit card lost you can send an SMS to the below given details:
SMS BLOCK "16-digit credit card number" to and send it to 5676782 from your registered mobile number.
Send a Letter to Axis Bank
If you want to post a sent a letter to the Head Office, you can send your written letter to the below given address:
Axis Bank Limited, ‘Axis House’, C-2, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai - 400 025.
Phone numbers of the office: 91-22-24252525/91-22-43252525.
Fax Number of the office: 91 22 24251800.
Q:Can I convert my purchases into EMI?
A: Yes, the purchases made from any credit card of axis bank can be converted into EMIs.
Q:How can I increase my credit limits?
A: You have to give a call on customer care number to increase your credit card limits.
Q:What do I do if my credit card is declined?
A: Sometimes the bank declines the transactions when it suspects illegal activity. You can give a call to customer care to resolve this.
Q:How is the interest charged on credit cards?
A: The customer has to pay the interest if he/she fails to pay the dues within the time. If an amount lies outstanding in your account than interest is charged on every transaction.
Q:What happens if I cross my credit limits?
A: If you make a transaction that exceeds the credit card limit on your card then it's all up to the bank whether to approve or reject the transaction. If it is approved an over-limit fee will be charged on the amount.
Q: What are the reward points and how I can use them?
A: While doing shopping or purchasing something by using your axis bank credit card, you can earn reward points. The reward points vary from one expense category to another. The accumulated reward points can be exchanged in place of a range of freebies and discount vouchers like cashback offers on food, travel, etc. You can use them for more discount.
Q: How can I pay my Axis bank credit card bill?
A: You can pay your credit card bill by using the Axis bank mobile app or Netbanking or Axis bank ATM. Also, you can pay the bill from your nearest Axis bank branches but the charges may be applicable for the cash payment service.
Q: Who can register for an Axis Bank credit card email statement?
A: The people who hold the current and savings bank accounts of Axis Bank can get registered for an Axis Bank credit card email statement.
Q: Does the Axis bank collect any charges to receive e-credit card statements?
A: No, Axis bank does not collect any charges for e-credit card statement. It is absolutely free of charges.
Q: What is the difference between a credit card and a debit card?
A: While a debit card acts as an instrument to withdraw money from your savings account or to make card-based transactions using the amount in your account, a credit card is a credit instrument that allows you to spend using the card and repay it later.
Q: What is the CVV number?
A: The Card Verification Value (CVV) Number it is a 3 digit number mentioned on the backside of your credit card on the right side of the signature panel. Also known as the CVV2, this 3 digit number is an essential part of the verification process especially in case of online transactions. The CVV number should not be disclosed to anyone because the entire online transaction depends on the CVV number.
Q: What are the different types of Credit Cards available in Axis Bank?
A: Axis Bank offers a wide choice of credit cards specially designed to suit individual needs and wants. They come under four major categories as follows:
1.Premium Cards:- Vistara Credit Card, Vistara Signature Credit Card, Vistara Infinite Credit Card, Privilege Credit Card, Miles and More Axis Bank Credit Card, Reserve Credit Card, Select Credit Card and Signature Credit Card with Lifestyle Benefits.
2.Featured Cards:- MY Zone Credit Card, Neo Credit Card, Pride Platinum Credit Card, Pride Signature Credit Card, MY Zone Easy Credit Card, Insta Easy Credit Card, Buzz Credit Card.
3.Co-branded Cards:- Vistara Credit Card, Vistara Signature Credit Card, Vistara Infinite Credit Card, Miles and More Axis Bank Credit Card.
4. Other Cards:- Reserve Credit Card, Insta Easy Credit Card.
Q: What is the mean by supplementary/add-on card?
A: The Supplementary/add-on card refers to one or more credit cards that may be issued to family members of the primary cardholder. Add on cards share the total credit limit of the primary card account and have the same features as the primary card. If any reward points earned through add on cards those points will be added to the primary cardholder account.
Q: How does the Contactless Credit Card work?
A: Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert it. All the account details are communicated to the reader and then processed through the acceptance network in the usual way.
Q: Where do I check whether I am eligible to increase the limit on my Credit Card?
A: You can check the credit limit increase through net banking and Axis mobile banking app. Please click on the Check for Limit Increase option under Credit Card Menu in Services and select the card number for which you want to check your Limit Increase Eligibility. Then you need to click on submit button and your Limit Increase details will appear on the screen.