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Credit cards from Axis Bank serve customers with a range of spending habits. In addition to credit cards that provide extensive benefits across multiple spending areas, credit cards are solely focused on rewards, cashback, travel, or retail. Axis Magnus, Axis Bank Ace, Flipkart Axis Bank, and Axis Vistara Signature credit cards are a few of the best credit cards that give their customers a lot of value. Check various cards, then apply for the one that best meets your needs.
Every credit card issuer has specific requirements for qualifying, which can differ for each credit card type. Before applying for your preferred card, it is advisable to confirm that you fulfil the eligibility standards, such as the minimum income and age limit, to reduce the possibility of your application being denied, which could impact your credit score. To apply for an HDFC credit card, you must meet the following standard eligibility requirements and provide the necessary documentation throughout the credit cards application procedure:
Age: Between 21 years and 65 years
Required Documents: If you want to see the documents that HDFC Bank accepts, click this link.
Employment: salaried or self employment
For some of the best HDFC credit cards, the following minimum income is required:
| Credit Cards | Net Monthly Income for Salaried |
ITR per annum for Self Employed |
|---|
The table below lists a few common Axis Bank Credit Card fees and charges:
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | Varies across all Axis Credit Cards |
| Finance Charges | Up to 3.6% per month or 52.86% p.a. |
| Late Payment Fee |
For Outstanding Balance of- Up to Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,20 |
Numerous credit card alternatives from Axis Bank can be customised to fit the needs of various individuals and offer benefits like cashback, rewards, and even brand-specific discounts. However, the credit card selected based on your spending patterns and behaviours will be best for you. For example, the Axis Bank Flipkart Credit Card is a smart choice if you are a Flipkart devotee, but it also requires all-around perks like free lounge access and dining discounts. However, you can apply for an Axis Bank MyZone Credit Card if you’re looking for entertainment-related incentives.
Also available are the IndianOil Axis Bank Credit Card, which offers all-around fuel benefits, the Axis Bank Ace Credit Card, which offers direct cashback benefits, and the Axis Bank Vistara co-branded credit card, which is ideal for travellers.
Axis Bank provides co-branded loyalty points or EDGE reward points depending on the credit card type. For example, reward points are available as Club Vistara points on Axis Bank Vistara Credit Cards. Axis Bank’s Rewards Catalogue offers products that may be purchased with the accumulated reward points, and air miles can be used to buy tickets.
The customer service department of Axis Bank can be reached by phone at 18004195577 or 18001035577 if you have any questions about your Axis Bank credit card. In addition, you can use Axis Bank’s official website to submit your complaints and questions online.
Yes, you can convert all Axis Bank credit card transactions into EMIs. However, EMI conversion is not available for every transaction. You can convert the transaction via Internet banking if it qualifies for EMI. The ‘Convert to EMI’ option under the ‘Credit Cards’ tab is all you must do after logging into your account. The next step is adding information about your transactions and EMI conversion. In addition, you can use the customer service line or a mobile app to convert your transactions into EMIs.
Both online and mobile banking are available for you to view your Axis Bank credit card statement. You have two options for seeing your Axis Bank Card’s credit card statement offline: visit the closest branch or contact customer service.