Which axis bank credit card is best?

Axis Bank, one of India's leading private sector banks, offers a diverse range of credit cards tailored to meet various lifestyle needs and spending habits. Whether you're a frequent traveler, a shopaholic, or someone looking for everyday value, Axis Bank has a credit card designed to suit your preferences.?

Let’s explore the top Axis Bank credit cards, their features, benefits, and how to choose the best one for your needs.

List of Top Axis Bank Credit Cards

Let's dive into each of the axis credit cards in detail:

1. Axis Bank Magnus Credit Card
2. Axis Bank Flipkart Credit Card
3. Axis Bank Reserve Credit Card
4. Axis Bank Ace Credit Card
5. Axis Bank MY Zone Credit Card
6. Axis Bank Select Credit Card
7. Axis Bank Privilege Credit Card
8. Axis Bank NEO Credit Card
9. Axis Bank Vistara Credit Card
10. Axis Bank Miles & More World Credit Card

1. Axis Bank Magnus Credit Card

The Axis Bank Magnus Credit Card is a premium offering designed for the elite. It provides a host of luxury benefits, including complimentary airport lounge access, golf privileges, and personalized concierge services. This card is perfect for those who appreciate the finer things in life and seek exclusive experiences.

• Joining Fee: ?12,500 + GST
• Renewal Fee: Rs. 12,500 + Taxes waived off* on spend of Rs. 25 Lakhs in preceding year.
• Best Suited For: High net worth individuals, frequent travelers, and luxury seekers
• Welcome Benefits: Choose any voucher worth INR 12,500*. Luxe gift card or The Postcard Hotels gift voucher or Yatra gift voucher

2. Axis Bank Flipkart Credit Card

This co-branded credit card is a shopper's delight, offering exceptional rewards on Flipkart and partner platform purchases. Axis Bank Flipkart Credit Card provides accelerated cashback on various categories, making it an excellent choice for online shoppers and those who frequently use digital payment platforms.

• Joining Fee: ?500?
• Renewal Fee: 2nd year Onwards: Rs. 500 Annual fee waived off on annual spends greater than Rs. 3,50,000.
• Best Suited For: Online shoppers, Flipkart customers, and digital payment users
• Welcome Benefits: ?500 Flipkart Gift Voucher on payment of joining fee

3. Axis Bank Reserve Credit Card

The Axis Bank Reserve Credit Card is the pinnacle of luxury credit cards, offering unparalleled benefits and services. It comes with a host of premium features, including unlimited airport lounge access, complimentary nights at luxury hotels, and a dedicated relationship manager.

• Joining Fee: ?50,000?
• Renewal Fee: ?50,000?
• Best Suited For: Ultra-high net worth individuals, frequent international travelers
• Welcome Benefits: Get 50000 reward points on card activation. Customer must do first transaction within 30 days of card creation to be eligible for 15,000 Edge Reward points in the first year

4. Axis Bank Ace Credit Card

The Axis Bank Ace Credit Card is designed for the tech-savvy and digitally active user. It offers attractive cashback on online transactions, bill payments, and recharges. This card is an excellent choice for those who prefer cashback over reward points.

• Joining Fee: Rs. 499?

?0 (for select channels)

• Renewal Fee: 2nd year onward: Rs. 499 Annual Fee waived off on annual spends greater than Rs. 2,00,000
• Best Suited For: Digital-first customers, online shoppers, and cashback enthusiasts
• Welcome Benefits: ?250 cashback on spending ?5,000 within 30 days of card issuance

5. Axis Bank MY Zone Credit Card

Targeted at young professionals and millennials, the Axis Bank MY Zone Credit Card offers a mix of lifestyle benefits and rewards. It provides accelerated reward points on dining, movies, and shopping, making it an ideal companion for the urban youth.

• Joining Fee: ?500?
• Renewal Fee: 1st Year: Nil 2nd Year onwards: Rs. 500
• Best Suited For: Young professionals, millennials, and lifestyle enthusiasts
• Welcome Benefits: Over Rs 1000* (Rs 250 Gift voucher from Amazon, Rs 300 from Bookmyshow & more)

6. Axis Bank Select Credit Card

The Axis Bank Select Credit Card is a premium offering that provides a balance of travel and lifestyle benefits. It offers complimentary airport lounge access, accelerated reward points on travel and dining, and various insurance covers.

• Joining Fee: ?3,000 (NIL for Burgundy)
• Renewal Fee: ?3,000 (NIL for Burgundy)
• Best Suited For: Frequent travelers, dining enthusiasts, and premium card seekers
• Welcome Benefits: Get 10,000 EDGE REWARD Points worth Rs.2000 on your first card transaction

7. Axis Bank Privilege Credit Card

The Axis Bank Privilege Credit Card is designed for the discerning customer who values a mix of travel, dining, and shopping benefits. It offers a good balance of rewards and features, making it suitable for a wide range of users.

• Joining Fee: ?1,500? (NIL for priority customers only)
• Renewal Fee: ?1,500?
• Best Suited For: Mid-level professionals, moderate spenders, and lifestyle-oriented users
• Welcome Benefits: 12500 Edge points on card activation worth Rs.2500*

8. Axis Bank NEO Credit Card

The Axis Bank NEO Credit Card is a unique offering that combines the benefits of a credit card with the convenience of a contactless payment device. It comes in the form of a wearable device, perfect for those who value convenience and cutting-edge technology.

• Joining Fee: Rs. 250 (Lifetime Free for select* channels)
• Renewal Fee: ?250 (1st Year: Nil, 2nd Year onwards: Rs. 250, Lifetime Free for select* channels)
• Best Suited For: Tech enthusiasts, fitness-oriented individuals, and contactless payment users
• Welcome Benefits: 100% cashback up to Rs. 300 on first utility bill payment within first 30 days of card issuance

9. Axis Bank Vistara Credit Card

Co-branded with Vistara Airlines, Axis Bank Vistara credit card is tailor-made for frequent flyers. It offers accelerated Club Vistara points on Vistara flight bookings and other travel-related expenses, making it an excellent choice for those who frequently fly with Vistara.

• Joining Fee: ?1,500
• Renewal Fee: ?1,500 (2nd year onwards)
• Best Suited For: Frequent Vistara flyers, business travelers, and aviation enthusiasts
• Welcome Benefits: Get a complimentary Economy Class ticket voucher as a welcome gift on fee payment.

10. Axis Bank Miles & More World Credit Card

This co-branded credit card, in partnership with Lufthansa's Miles & More program, is ideal for international travelers. Axis Bank Miles & More World Credit Card offers accelerated miles earning on flight bookings and provides various travel-related benefits and insurance covers.

• Joining Fee: ?3,500 + GST
• Renewal Fee: ?3,500 + GST
• Best Suited For: International travelers, Lufthansa Group frequent flyers
• Welcome Benefits: You can avail up to 55,000 miles during the first year

Axis Bank Credit Card Features and Benefits

1. Reward Points: Most Axis Bank credit cards offer reward points on various spending categories. These points can be redeemed for a wide range of products, services, or travel bookings.
2. Cashback: Some cards, like the Axis Bank Ace Credit Card, offer cashback on specific categories of spending, providing direct monetary benefits to cardholders.
3. Airport Lounge Access: Premium cards like Magnus and Reserve offer complimentary access to domestic and international airport lounges, enhancing the travel experience for cardholders.
4. Travel Insurance: Many Axis Bank credit cards come with built-in travel insurance covers, including air accident cover, lost baggage cover, and trip cancellation insurance.
5. Fuel Surcharge Waiver: Most cards offer a fuel surcharge waiver on fuel transactions at select pumps, helping cardholders save on fuel expenses.

Axis Bank Credit Card Rewards and Cashback

Axis Bank credit cards offer a variety of reward and cashback programs, catering to different spending habits and preferences:

1. EDGE Reward Points: Many Axis Bank credit cards earn EDGE Reward Points on various transactions. These points can be redeemed for a wide range of products, services, or travel bookings.
2. Cashback: Cards like the Axis Bank Ace Credit Card offer direct cashback on specific categories such as online transactions, bill payments, and recharges.
3. Airline Miles: Co-branded cards like the Vistara Credit Card and Miles & More World Credit Card earn airline-specific miles, which can be redeemed for flight tickets and upgrades.
4. Category-specific Rewards: Some cards offer accelerated rewards or cashback on specific categories like dining, shopping, or travel.

How To Earn and Redeem Axis Bank Credit Card Reward Points?

A. Earning Reward Points:

1. Regular Spending: Most cards earn a base rate of reward points on all eligible transactions.
2. Accelerated Earning: Many cards offer higher earning rates on specific categories like travel, dining, or online shopping.
3. Welcome Bonuses: New cardholders can earn bonus points by meeting initial spending criteria.
4. Promotional Offers: Axis Bank often runs limited-time promotions offering bonus points on specific transactions or merchants.

B. Redeeming Reward Points:

1. Online Redemption: Log in to the Axis Bank credit card portal or mobile app to view and redeem points.
2. Product Catalogue: Choose from a wide range of products and services available in the reward catalogue.
3. Travel Bookings: Redeem points for flight tickets, hotel stays, or car rentals through Axis Bank's travel partners.
4. Statement Credit: Some cards allow redemption of points as statement credit to offset card charges.
5. Gift Cards: Convert points into gift cards from popular retailers and brands.
6. Charity Donations: Use points to make donations to various charitable organizations.
7. Point Transfer: Some premium cards allow transfer of points to partner airline or hotel loyalty programs.

Axis Bank Credit Card Eligibility Criteria

While specific eligibility criteria may vary depending on the card type, here are general requirements for Axis Bank credit cards:

1. Age: Applicants should be between 18-70 years old.
2. Income: Minimum annual income requirements vary by card, ranging from ?3 lakh to ?25 lakh or more for premium cards.
3. Employment: Salaried employees, self-employed professionals, or business owners are eligible.
4. Credit Score: A good credit score (typically 700+) is required for most cards.
5. Residency: Indian residents or Non-Resident Indians (NRIs) are eligible for most cards.
6. KYC Compliance: Applicants must meet Know Your Customer (KYC) norms.
7. Existing Relationship: Having an existing relationship with Axis Bank may improve approval chances for certain cards.

Documents Required

To apply for an Axis Bank credit card, you'll typically need to submit the following documents:

1. Identity Proof: PAN Card (mandatory) and any one of Aadhaar Card, Voter ID, Passport, or Driving License.
2. Address Proof: Any one of Aadhaar Card, Passport, Driving License, Voter ID, or Utility Bill (not older than 3 months).
3. Income Proof:
4. Photograph: A recent passport-sized color photograph.
5. Form 16 (for salaried individuals) or ITR acknowledgment (for self-employed) for the last financial year.
6. Existing Credit Card Statements: Last 3 months' statements of existing credit cards (if any).

Note: Axis Bank may request additional documents based on the specific card applied for or the applicant's profile.

Axis Bank Credit Card Annual Fees and Charges

Annual fees for Axis Bank credit cards vary widely depending on the card type:

1. Card Type: Higher-tiered cards with more benefits often have higher fees.
2. Spending Thresholds: Some cards offer fee waivers for meeting specific spending criteria.
3. Benefits and Perks: Rewards programs and additional services can influence fees.
4. Creditworthiness: Your credit score can affect the types of cards offered and their fees.
5. Geographic Location: Fees may vary based on your location.
6. Current Promotions: Special offers or limited-time deals can impact fees.

Many cards offer a waiver of the annual fee upon meeting specific spending thresholds, which can help cardholders avoid this charge.

Other Fees & Charges

1. Interest Rate: Typically ranges from 3.4% to 3.5% per month (40.8% to 42% per annum)
2. Cash Advance Fee: 2.5% of the amount withdrawn or ?500, whichever is higher
3. Late Payment Fee: Ranges from ?100 to ?1,000 depending on the outstanding amount
4. Cheque/ECS Return Fee: ?500 per instance
5. EMI Conversion Fee: Up to 2% of the transaction amount converted to EMI
6. Balance Transfer Fee: Up to 1-2% of the transferred amount

How To Activate Axis Bank Credit Cards?

To activate your new Axis Bank credit card, follow these steps:

1. Receive your credit card: Once your application is approved, you'll receive your credit card via courier at your registered address.
2. Call the activation hotline: Dial the Axis Bank credit card activation number at 1800-419-5959 or 1860-419-5959 from your registered mobile number.

1. Follow the IVR prompts: The Interactive Voice Response (IVR) system will guide you through the activation process. You'll need to select the option for credit card activation.
2. Provide card details: When prompted, enter the last four digits of your credit card number using your phone keypad.
3. Set your PIN: You'll be asked to set a 4-digit PIN for your credit card. Choose a secure PIN that you can easily remember but is difficult for others to guess.
4. Confirm activation: The IVR system will confirm that your card has been successfully activated.
5. Sign the card: Once activated, sign on the signature panel on the back of your credit card.
6. Online activation: Alternatively, you can activate your card through Axis Bank's net banking portal. Log in to your account, navigate to the credit card section, and follow the on-screen instructions to activate your card.
7. Mobile app activation: If you have the Axis Bank mobile app, you can also activate your card through the app. Log in, go to the credit card section, and follow the activation process.
8. Verification: For security purposes, you may be asked to verify some personal details during the activation process.

Remember to activate your card as soon as possible to start enjoying its benefits and to ensure its security.

Axis Bank Credit Cards Login/Net Banking

Accessing your Axis Bank credit card account online is simple and convenient. Here's how you can log in and manage your credit card:

1. Visit the Axis Bank website: Go to www.axisbank.com.
2. Click on "Login": This button is usually located at the top right corner of the homepage.
3. Select "Credit Card": From the login options, choose "Credit Card" to access your credit card account.
4. Enter your credentials: You'll need to provide your User ID and Password. If you're a first-time user, click on "Register" to set up your online access.
5. Two-factor authentication: For added security, you may be asked to enter a one-time password (OTP) sent to your registered mobile number.
6. Access your dashboard: Once logged in, you'll see your credit card dashboard, where you can view your statement, check your available credit limit, make payments, and more.
7. Mobile app access: Alternatively, you can download the Axis Bank mobile app from your device's app store. Log in using your credentials to access your credit card account on the go.
8. Forgot password: If you've forgotten your password, use the "Forgot Password" link on the login page to reset it.
9. Customer support: If you face any issues with logging in, contact Axis Bank's customer support for assistance.

Remember to keep your login credentials confidential and avoid accessing your account from public or unsecured networks.

How To Compare Axis Bank Credit Cards & Choose The Best One?

Selecting the right Axis Bank credit card depends on your spending habits, lifestyle, and financial goals. Here's a step-by-step guide to help you compare and choose the best card:

1. Assess your spending patterns
2. Determine primary card use (cashback, rewards, travel benefits)
3. Consider your income and eligibility
4. Evaluate annual fees and waiver conditions
5. Compare reward rates and redemption options
6. Examine welcome bonuses and spending requirements
7. Analyze travel benefits for frequent travelers
8. Look at lifestyle perks and additional benefits
9. Check interest rates and other fees
10. Read user reviews and use comparison tools

Conclusion

Axis Bank offers a diverse range of credit cards catering to various lifestyles and spending habits. From premium options like the Magnus and Reserve cards for high-net-worth individuals to more accessible choices like the Ace and MY Zone cards for young professionals, there's likely an Axis Bank credit card suited to your needs.

Ultimately, the best Axis Bank credit card for you is one that complements your lifestyle, offers rewards on your most frequent expenses, and provides benefits that you'll actually use. By carefully comparing options and understanding your own financial habits, you can make an informed decision that enhances your spending power and adds value to your daily life.

FAQs

Q1. How long does it take to get an Axis Bank credit card??

Ans: Typically, it takes 7-10 working days from the date of application approval to receive your Axis Bank credit card.

Q2. Can I apply for an Axis Bank credit card if I'm not an existing customer??

Ans: Yes, you can apply for an Axis Bank credit card even if you don't have an existing relationship with the bank.

Q3. How can I check my Axis Bank credit card application status??

Ans: You can check your application status online on the Axis Bank website or by calling their customer care number.

Q4. Do Axis Bank credit cards offer EMI options?

Ans: Yes, many Axis Bank credit cards offer EMI facilities on large purchases, allowing you to convert them into manageable monthly installments.

Q5. Can I get an add-on card for my family member??

Ans: Yes, Axis Bank allows you to apply for add-on cards for your immediate family members.