Axis Bank Credit Card: Types, Features, Benefits, and Offers
- Mudra K
- Jun 21
- 8 min read
Updated: Jun 22
Introduction to Axis Bank Credit Cards
Axis Bank is one of India’s leading private sector banks, offering a wide range of credit cards tailored to fit every lifestyle and financial need. Whether you’re a frequent traveler, an online shopper, or a cashback enthusiast, Axis Bank has something for everyone. Their credit cards come packed with powerful features, unmatched rewards, and exclusive partner offers—making them a top choice in 2025.
From premium cards to entry-level options, Axis Bank ensures that every cardholder experiences convenience, security, and superior value. Backed by cutting-edge technology, 24/7 customer support, and a user-friendly mobile app, these credit cards go beyond just payments—they enable smarter living.
Why Choose Axis Bank Credit Cards?
Choosing the right credit card can greatly enhance your financial flexibility. Here’s why Axis Bank credit cards stand out:
1. Diverse Range for All Lifestyles
Axis Bank offers over 25+ variants of credit cards, tailored for travel, dining, shopping, entertainment, and business.
2. Rewarding Loyalty Programs
Earn Edge Reward Points on almost every spend. Redeem for flights, hotels, gift vouchers, or cashback.
3. Partner Discounts
Enjoy exclusive discounts with partners like Amazon, Flipkart, Zomato, BookMyShow, MakeMyTrip, and more.
4. Global Acceptance
Axis credit cards are powered by Visa, Mastercard, American Express, and RuPay, ensuring international compatibility.
5. Digital Experience
With the Axis Mobile app and internet banking, manage card controls, limits, payments, and rewards with a few taps.
6. Complimentary Benefits
Get airport lounge access, fuel surcharge waivers, movie ticket discounts, and dining privileges with select cards.
Types of Axis Bank Credit Cards
Axis Bank categorizes its credit cards to fit specific user needs. Here's a breakdown:
Travel Credit Cards
Designed for frequent flyers, these cards offer air miles, free lounge access, and travel insurance.
Popular Picks:
Axis Atlas Credit Card
Axis Vistara Infinite Credit Card
Shopping Credit Cards
Earn accelerated rewards and cashback at top retailers both online and offline.
Popular Picks:
Flipkart Axis Bank Credit Card
Axis Neo Credit Card
Cashback Credit Cards
Get flat cashback on essential and lifestyle spending.
Popular Picks:
Axis Ace Credit Card
Axis Airtel Credit Card
Business Credit Cards
These credit cards are specifically designed for entrepreneurs and SMEs, providing them with higher credit limits, EMI options, and the ability to track expenses.
Popular Picks:
Axis Corporate Credit Card
Axis My Business Card
Top 5 Axis Bank Credit Cards in 2025
Here’s a curated list of the most in-demand Axis Bank credit cards this year:
1. Axis Magnus Credit Card
Joining Fee: ₹10,000 + GST
Key Features:
Unlimited domestic lounge access
12 complimentary international lounge visits (Priority Pass)
Up to 12 Edge Reward Points per ₹200 spent
Complimentary EazyDiner Prime membership
Best for: High-net-worth individuals & frequent travelers.
2. Flipkart Axis Bank Credit Card
Joining Fee: ₹500 + GST (Waived on ₹2L annual spend)
Key Features:
5% cashback on Flipkart and Myntra
4% cashback on partner platforms like Swiggy and Uber
Fuel surcharge waiver
Welcome benefit worth ₹1,000
Best for: Regular online shoppers.
3. Axis Neo Credit Card
Joining Fee: ₹250 + GST
Key Features:
10% off on Myntra, Zomato, BookMyShow
₹250 Amazon voucher as welcome gift
Up to 40% off on dining via EazyDiner
Best for: Millennials and beginners.
4. Axis Atlas Credit Card
Joining Fee: ₹5,000 + GST
Key Features:
Earn Edge Miles on every transaction
Global travel benefits
Tiered membership system: Silver, Gold, and Platinum
Best for: International travelers and jetsetters.
5. Axis MyZone Credit Card
Joining Fee: ₹500 + GST
Key Features:
BOGO on BookMyShow tickets
40% off at partner restaurants
Complimentary SonyLiv Premium subscription
Best for: movie buffs and social spenders.
Key Features of Axis Bank Credit Cards
Axis Bank credit cards are packed with features that cater to your everyday needs as well as luxury aspirations. These features enhance user convenience, add monetary value, and elevate the overall experience of being a cardholder.
1. EMV Chip Technology
All cards are equipped with an EMV chip, ensuring advanced fraud protection for both online and offline transactions.
2. Contactless Payments
Tap-and-pay functionality is available on most cards for faster, secure transactions without entering your PIN for purchases under ₹5,000.
3. Personalised Credit Limits
Axis Bank offers flexible and customizable credit limits based on your income, usage, and credit behavior.
4. Auto Debit Facility
Set up automatic payments from your Axis Bank savings account to ensure your credit card dues are always paid on time.
5. Smart Card Management
Using the Axis Mobile app or Internet Banking, you can:
Block/unblock the card instantly
Set international usage preferences
Set transaction limits
Convert transactions into EMIs
6. Fuel Surcharge Waiver
Many Axis cards offer a 1% fuel surcharge waiver at all fuel stations across India for transactions between ₹400 and ₹4,000.
7. Dining Delights Program
Enjoy up to 20% off at over 4,000 restaurants under Axis Bank’s Dining Delights program. This is especially useful for foodies who dine out regularly.
8. Travel & Lifestyle Benefits
Some premium cards come with benefits like
Free airport lounge access (domestic/international)
Complimentary hotel stays
Concierge services
Travel insurance and priority check-ins
Rewards and Cashback Programs
Axis Bank rewards you for spending smartly. The bank’s Edge Rewards and partner-specific cashback programs ensure that every rupee spent earns you something back.
Edge Rewards Program
Spend Category | Points Earned |
Domestic Spends | 2-6 points per ₹200 |
International Spends | Up to 12 points per ₹200 |
Partner Spends | Up to 20 points per ₹200 |
Redemption Options:
Travel bookings (flights & hotels)
E-vouchers for Amazon, Flipkart, BigBasket, etc.
Products from Axis Bank’s reward store
Cashback against outstanding balance (select cards)
Cashback Programs
Some Axis cards offer flat cashback on certain spending categories:
Flipkart Axis Bank Card: 5% on Flipkart, 4% on Swiggy & Uber
Axis Ace Card: 5% on bill payments via Google Pay
Axis Airtel Card: Up to 25% cashback on Airtel services
Offers and Deals in 2025
Axis Bank keeps updating its deals to suit consumer trends. Here are some exclusive offers live in 2025:
1. Amazon & Flipkart Sale Benefits
Instant 10% discount on Axis Bank credit cards during major sales
No-cost EMI on electronics & gadgets
Additional exchange offers
2. Dining Offers
Up to 40% off on EazyDiner Prime restaurants
Complimentary dessert or starters at select outlets
3. Travel Discounts
Special fares on domestic flights through MakeMyTrip
5% cashback on international hotels
Complimentary lounge access via DragonPass or Priority Pass
4. Subscription Discounts
6 months free Zee5 or SonyLIV premium with select cards
Up to 20% off on annual memberships like Cult.fit, Headspace, and Audible
For ongoing offers, always check the official Axis Bank Credit Card Offers Page.
Fees, Charges, and Interest Rates
Transparency is key when it comes to Axis Bank credit card charges. Here's a simplified overview of applicable fees:
Fee Type | Amount |
Joining Fees | ₹250 to ₹10,000 (based on card type) |
Annual Fees | Waived on milestone spends for most cards |
Interest Rate (APR) | 2.95% - 3.60% per month (35.4% - 43.2% annually) |
Cash Withdrawal Fee | 2.5% of amount withdrawn or ₹500 (whichever is higher) |
Late Payment Charges | ₹100–₹1,200 based on total outstanding |
Overlimit Charges | 2.5% of over-limit amount (min ₹500) |
Foreign Currency Mark-up | 2%-3.5% depending on card |
Pro tip: Always clear your total outstanding by the due date to avoid interest charges.
Axis Bank Credit Card Eligibility Criteria
Before applying for an Axis Bank credit card, it’s important to ensure you meet the eligibility requirements. These vary slightly depending on the type of card but follow some common guidelines.
Basic Eligibility Conditions
Criteria | Requirement |
Age | Minimum 18 years (for add-on) and 21–60 years (for primary) |
Income | Minimum ₹15,000 to ₹75,000 per month (based on card type) |
Employment | Salaried or self-employed individuals |
Credit Score | 700+ CIBIL score preferred for premium cards |
Location | Must reside in a serviceable city or area |
Documentation | PAN card, Aadhaar card, address proof, income proof |
Note: Meeting the basic eligibility doesn’t guarantee approval. Final approval depends on internal assessment by Axis Bank.
How to Apply for Axis Bank Credit Card
Axis Bank provides both online and offline methods to apply for a credit card. Here’s how you can do it easily:
Step-by-Step Online Application Process
Visit Axis Bank's Official Website Go to the Axis Bank Credit Card Section.
Compare and Select a Card Use the filter to compare features and benefits based on your lifestyle.
Click “Apply Now.” Fill in your basic details like name, email, mobile number, and PAN card number.
Upload Required Documents Submit ID proof, address proof, and income documents.
Get Instant Approval (If Eligible) Some applicants receive instant approval and digital card issuance.
Card Dispatch Once approved, we will deliver your physical card within 7–10 working days.
Offline Application Process
Visit Nearest Axis Bank Branch
Carry Original Documents & Copies
Fill out the Credit Card Application Form
Get Assistance from Bank Staff
Tip: Applying online is faster and often comes with special digital-only offers.
Axis Bank Credit Card App & Customer Service
Managing your credit card is easier than ever with the Axis Mobile App and dedicated customer service support.
Axis Mobile App Features
Track Spends & Rewards
Make Credit Card Bill Payments
Download Statements
Set/Reset Card PIN
Enable/Disable International Usage
Block Lost or Stolen Cards
You can download the app from the Google Play Store or the Apple App Store.
Customer Service Channels
Channel | Contact Details |
Customer Care Number | 1860-419-5555 / 1860-500-5555 |
Chat Support | Available on Axis Bank website & mobile app |
Grievance Redressal |
Security and Fraud Protection Measures
Axis Bank employs multiple layers of security to keep your transactions safe.
1. EMV Chip and PIN Security
All cards are EMV chip-enabled, significantly reducing the risk of cloning and fraud.
2. Real-time SMS & Email Alerts
You can track every spend with instant transaction alerts.
3. Two-Factor Authentication
All online transactions require an OTP or NetSecure code for added security.
4. Zero Liability on Lost Cards
If reported promptly, you aren’t liable for fraudulent transactions post-reporting.
5. International Blocking Option
Enable/disable international usage based on your preference via the mobile app.
Comparison with Other Banks’ Credit Cards
Axis Bank credit cards are highly competitive compared to other major Indian banks like HDFC, SBI, and ICICI.
Feature/Bank | Axis Bank | HDFC Bank | SBI Card | ICICI Bank |
Travel Benefits | Excellent (Atlas, Magnus) | Good (Diners, Regalia) | Moderate (IRCTC Card) | Limited |
Cashback Offers | Strong (Flipkart, Ace) | Decent | Strong (SBI Cashback) | Moderate |
Mobile App | User-Friendly | Advanced | Decent | Very Good |
Lounge Access | Wide Coverage | Premium Access | Limited | Available on Select Cards |
Rewards Program | Edge Rewards | SmartBuy | Rewards | PAYBACK |
Axis Bank Credit Card FAQs
1. How long does it take to get an Axis Bank credit card?
Usually 5–7 business days after approval. Instant virtual cards may be issued online.
2. Can I convert my large transactions into EMIs?
Yes, eligible transactions can be converted to EMIs via the Axis Mobile App or NetBanking.
3. What if I lose my Axis credit card?
Immediately block the card through the mobile app or customer care and request a reissue.
4. Do Axis Bank credit cards work internationally?
Yes, the majority of Axis Bank credit cards have global acceptance and provide travel benefits and currency conversion options.
5. Is there a way to increase my credit limit?
Yes, Axis Bank allows users to request limit enhancement after 6–12 months of usage.
6. How do I redeem my Edge Rewards?
Log in to the Axis Edge Rewards Portal and choose from travel, vouchers, or cashback options.
Conclusion
Axis Bank credit cards offer a compelling mix of flexibility, value, and privileges across various spending categories. Whether you're shopping online, traveling abroad, or managing business expenses, there's a card designed for you. With a strong digital interface, world-class customer support, and one of India’s most rewarding loyalty programs, Axis Bank stands out as a leader in the credit card space in 2025.
If you're ready to upgrade your lifestyle, save smartly, and earn while you spend, it’s time to explore Axis Bank’s credit card range.
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