Axis Bank Credit Card: Types, Features, Benefits, and Offers

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

1. Visit Axis Bank's Official Website Go to the Axis Bank Credit Card Section.

2. Compare and Select a Card Use the filter to compare features and benefits based on your lifestyle.

3. Click “Apply Now.” Fill in your basic details like name, email, mobile number, and PAN card number.

4. Upload Required Documents Submit ID proof, address proof, and income documents.

5. Get Instant Approval (If Eligible) Some applicants receive instant approval and digital card issuance.

6. 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
Email	creditcards@axisbank.com
Chat Support	Available on Axis Bank website & mobile app
Grievance Redressal	escalation@axisbank.com

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.