Best Axis Bank Credit Cards 2024
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Axis Bank, being one of India’s biggest private banks, has competitive credit cards that cater to all kinds of users. We analyzed top credit cards offered by the bank to see which ones offer some of the strongest benefits and features. From basic credit cards to premium credit cards concentrating on providing a luxurious experience to the users, Axis Bank has a wide range of credit cards.
Forbes Advisor went through the range of credit cards offered by Axis Bank and has now brought some of the best cards for its reader.
- Featured Partners
- Best Axis Bank Credit Cards 2024
- Axis Bank ACE Credit Card
- Flipkart Axis Bank Credit Card
- Axis Bank Neo Credit Card
- Axis Bank My Wings Credit Card
- Axis Bank Select Credit Card
- Summary of The Best Axis Bank Credit Cards 2024
- Methodology
- Types of Axis Bank Credit Cards
- Eligibility for Axis Bank Credit Card
- Documentation:
- Documents Required for Axis Bank Credit Card
- How to Apply for an Axis Bank Credit Card Apply Online?
- How to Apply for an Axis Bank Credit Card Offline?
Featured Partners
1
SBI Cashback Credit Card
Annual Fees
INR 999 + 18% GST (Renewal Fee Waived on INR 2 Lakh annual spend)
Features
5% Cashback on online* spends with no merchant restrictions
Additional Benefits
1% Cashback on offline* spends, 1% Fuel Surcharge Waiver at all petrol pumps in India
2
Axis Bank Ace Credit Card
Annual Fee
INR 499 waived off on annual spend of INR 2,00,000
Benefits
5% cashback on bill payments, 4 complimentary lounge visits per year
Other Benefits
1% fuel surcharge waiver at all fuel stations
3
SBI SimplyCLICK Card
Annual Fees
INR 499 + GST (Renewal Fee Waived on INR 1 Lakh annual spend)
Welcome benefit
Get Amazon gift card worth INR 500
Additional benefits
10X Reward Points on online spends, 1% fuel surcharge waiver and INR 2000 e-Vouchers for spends of INR 1 lakh+
Best Axis Bank Credit Cards 2024
Summary of The Best Axis Bank Credit Cards 2024
Methodology
We analyzed 26 credit cards issued by the Axis Bank and selected the best among them based on some basic criteria:
- Value for money: This was the most important factor that has been taken into consideration. The cards that provide maximum benefits made it to our list.
- Cash back: Half a star to credit cards providing cash backs and half a star where the system of credit is not complicated and easy for the customers to understand.
- Annual Fee and joining fee: Half a star to credit cards without any annual fee and half for no joining fee. Any credit card without any annual fee and joining fee will get a full star, but a joining fee of INR 500 has been considered equivalent to no annual fee.
- Availability for all income groups: Half a star if the services of the credit card are available for all income groups, and another half if services extend to multiple geographies and not just major cities.
- Welcome gifts: Half a star for welcome gifts and half a star for easy usage of those gifts. Here if the intrinsic value of the usable gift at least covers the annual fee, the credit card will get a full star.
- Additional benefits: Half a star to credit cards providing additional benefits and half to the credit cards in which these additional benefits are more user-friendly. For example, if a card offers a fee waiver to a user who will spend INR 3 lakh in one year, it is unlikely all cardholders may want to spend that much in one year. This makes the feature redundant for certain cardholders.
Types of Axis Bank Credit Cards
There are all kinds of credit cards offered by Axis Bank depending on the needs of the customers:
Cashback Credit Cards
Cards that provide different cashbacks on payments, for example Axis Bank Ace Credit Card.
Life Time Free Credit Cards
Cards where users do not have to pay an annual fee and the joining fee is not charged, for example to their customers in ongoing offers Axis Bank offers a lot of their credit cards as lifetime free credit cards.
Co-Branded Credit Cards
Cards launched by Axis Bank in collaboration with a particular company providing discounts on purchase of goods and services from that company, like Flipkart Axis Bank Credit Card.
Reward Points Credit Cards
Cards providing reward points on spending money, for example Axis Bank AURA Credit Card.
Travel Credit Cards
Cards that have been launched in collaboration with travel companies providing discounts in traveling related things, like airline tickets, hotel booking, etc. for example Axis Bank Vistara Signature Credit Card.
Fuel Credit Cards
These credit cards are a result of the collaborations between oil companies and Axis banks. Facilitating fuel purchase by giving reward points and cashback, for example IndianOil Axis Bank credit card.
Premium Credit Cards
These credit cards are expensive credit cards concentrating on the comfort of users and providing discounts on premium services. The example of this card is Privilege Easy Credit Card.
Credit Cards with Credit Lines
These cards provide a credit line to the users, which means that these credit cards will have a pre-approved loan which one can take at the time of need from an ATM without any security or paper work, the example of this card is Axis Bank Insta Easy Credit Card
Featured Partners
1
SBI Cashback Credit Card
Annual Fees
INR 999 + 18% GST (Renewal Fee Waived on INR 2 Lakh annual spend)
Features
5% Cashback on online* spends with no merchant restrictions
Additional Benefits
1% Cashback on offline* spends, 1% Fuel Surcharge Waiver at all petrol pumps in India
2
Axis Bank Ace Credit Card
Annual Fee
INR 499 waived off on annual spend of INR 2,00,000
Benefits
5% cashback on bill payments, 4 complimentary lounge visits per year
Other Benefits
1% fuel surcharge waiver at all fuel stations
3
SBI SimplyCLICK Card
Annual Fees
INR 499 + GST (Renewal Fee Waived on INR 1 Lakh annual spend)
Welcome benefit
Get Amazon gift card worth INR 500
Additional benefits
10X Reward Points on online spends, 1% fuel surcharge waiver and INR 2000 e-Vouchers for spends of INR 1 lakh+
Eligibility for Axis Bank Credit Card
Following is the eligibility criteria for an Axis Bank Credit Card.
Age:
- Primary cardholders should be between the age of 18 and 70 years.
- Add-on cardholders should be over 18 years
Income:
Required minimum income will depend on the credit card, there are credit cards like Axis Bank Flipkart Credit Card there is no requirement of having any income, even unemployed people can also apply for it, and there are other credit cards like SELECT Credit Card, where the applicant’s yearly income should be above 9 lakh.
Nationality:
Resident and Non-Resident Indians both can apply.
Documentation:
Following are the documents required for getting a credit card along with a colored picture of the applicant (nowadays pictures are also taken by the agents of the company, either on a web call or personally).
Documents Required for Axis Bank Credit Card
- PAN card photocopy
- Form 60
One of the following as the proof of income
- Latest payslip
- Form 16
- IT return copy as proof of income
One of the following the proof of residence
- Passport
- Ration Card
- Electricity bill
- Landline telephone bill
One of the following for Identity proof
- Passport
- Driving license
- PAN card
- Aadhaar card
How to Apply for an Axis Bank Credit Card Apply Online?
- One can apply online by visiting the official website of Axis Bank.
- Applicants can also visit the sites of the partner website with the links to apply.
- All branches of Axis Bank also have agents to facilitate people who want to apply for credit cards.
One has to go to the official website of the company and select the card of his choice, once the card is selected, on the page where the card has been reviewed there is an option to apply for it, one can click on that. It will give you two options, if you are an existing customer or not.
If you are not, it will ask for your details like phone number and PAN card, if you are an existing customer it will ask for customer id.
After this it will send you an OTP number on your mobile, which you will have to enter in the slot given on the web site. Once you enter the OTP it will ask a few basic questions like work, experience, income, after this you can click on the apply button. If you are not an existing customer you will also have to enter your Aadhar details and other personal details.
Once you have entered your details it will show the credit cards available for you, and select the card. Once you have done that you will get a message on your mobile telling that your application has been accepted. Once an application has been selected the bank will send you an email or SMS confirming if the application has been selected or rejected.
How to Apply for an Axis Bank Credit Card Offline?
You can physically call the bank on their number and apply for the credit card. All the formalities will be carried on by either sending someone to your residence or getting the KYC done on the phone. You can also visit any Axis Bank Branch with the KYC documents mentioned above, and get it opened. It is always advisable to open an account by physically visiting or asking the agent to come to your home. Axis Bank Credit Card Fees & Charges.
Every card is going to have an annual fee and a joining fee. In most of the cases there is no joining fee, though, the term joining fee is used for the annual fee of the first year. So, wherever the word joining fee is used it means the annual fee for the first year. The joining fee in some cases can be different from the annual fee, but in 99% of the cases it is the same.
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