Axis Bank Credit Cards: Best Credit Cards to apply online
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Indialends, 30 May 2026

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Axis Bank Credit Cards

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

What worthwhile about applying for Axis bank credit cards is that it offers to go in sync with the needs and aspirations of card users. If axis bank has designed shopping cards, on one hand, there also have a travel card at the same time to meet the need of travelers, or cash back credit cards designed for daily spending. Axis banks cater well to the different lifestyle-related needs of each individual.

Features and benefits of Axis Bank Credit Cards

World-class privileges are part of Axis Bank Credit Cards which makes you enjoy unlimited discounts like:

  • Higher credit limits
  • Cashback
  • Discounts on e-commerce transactions, dining, or shopping
  • Over 500 rewards from Axis Bank's EDGE Loyalty programs
  • Airline vouchers
  • VIP Lounge access at airports
  • Allows to create your credit card using the axis bank feature MyDesign
  • Credit cards with embedded EMV chips for enhanced security

The eligibility criteria to apply for an Axis Bank

  • If you are a Primary Cardholder, then the minimum age to apply is 18 years and the maximum is 70 years.
  • The applicant must be a resident of India
  • Add-on cardholders must be more than 15 years old
  • Job stability for at least a year
  • Must have a good credit score of 750, or above
  • For Self-employed applicants, the business should be running for more than 12 months

Documents required to apply for an Axis Credit Card

Both Self-employed and Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Self-employed- Income Proof

  • Income proof
  • Statement of accounts
  • Proof of business

Popular Types of Credit Card offered by Axis Bank

  • Travel Credit Cards
  • Rewards Credit Cards
  • Lifestyle Credit Cards
  • Shopping Credit Cards
  • Fuel Credit Cards
  • Premium Credit Cards

Best Axis Bank Credit Cards

Axis bank card variants Annual fee Best suited for
Axis Bank Flipkart Credit Card Rs 500 Shopping
Axis Bank Vistara Credit Card Rs 1500 Travel
Axis Bank Ace Credit Card Rs 499 Cashback
Axis Bank Vistara Signature Credit Card Rs 3000 Travel
Axis Bank Magnus Credit Card Rs 10,000 Rewards and Travel
Axis Bank Neo Credit Card Rs 500 Movies
Axis Bank Buzz Credit Card Rs 750 Shopping
Axis My Zone Credit Card Rs 250 Movies
Indian Oil Axis Credit Card Rs 500 Fuel

Axis Bank Cards Fee and Charges

Annual/ Renewal Fee Varies from card to card
Interest-free period 20-50 days applicable only on retail purchases and if previous months’ outstanding balance is paid
Extended credit charges Up to 3.4% per month | 49.36% p.a.
Extended Credit Minimum Amount due 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
Cash Advance Rate RUp to 3.4% per month | 49.36% p.a
Cash Advance Fee 2.5% of transaction amount, subject to a minimum of Rs. 500
Fee for Cash payment Rs 100
Over limit Charges 2.5% of overlimit amount subject to a minimum of Rs. 500
Late Payment Fee Nil for total amount due from Rs. 0 to Rs. 100 Rs. 100 for total amount due greater than Rs. 100 and up to Rs. 300

Rs. 300 for total amount due greater than Rs. 301 and up to Rs. 1,000

Rs. 500 for total amount due greater than Rs. 1,001 and up to Rs. 5,000

Rs. 600 for total amount due greater than Rs. 5,001 and up to Rs. 10,000

Rs. 700 for total amount due greater than Rs. 10,000

How to apply for a Credit Card with IndiaLends

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

How to apply Axis Bank Credit Card on their official website?

  • Visit the official website of ‘ Axis Bank’
  • Click on the ‘Credit Cards’
  • Click on the ‘Apply Now’ button
  • Fill in your personal and income details
  • Submit the application
  • The executive will come to pick the necessary documents
  • The bank would verify the details properly before approving the application

The IndiaLends is offering you the 50+ credit cards of the top banks with exciting rewards and cashback.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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