Axis Bank Credit Cards

Top Picks

Best ForCard Name
FuelNo particular card for fuel.
TravelAxis Bank Vistara Infinite Card
FamilyNo particular card for family.
PremiumAxis Bank Reserve Card, Axis Bank Magnus Card, 
Frequent SpendersNo particular card for frequent spenders.

Best Axis Bank Credit Card for Travel

Axis Bank Vistara Infinite Card

Benefits

Axis Bank Vistara Infinite Card comes with one way base fare waived Business class flight ticket at the start of the card membership year. Moreover, you get 6 Club Vistara (CV) Points on each retail transaction. Additionally, you get a discount on dining expenses and complimentary access to domestic airport lounges along with free golf privileges and accidental insurance protection.

Drawbacks

The card comes with an annual fee equal to Rs. 10,000, which is quite high.

Bottomline

This card mostly gives benefits and is best suitable if you travel via Air Vistara flights since it offers CV points against each eligible transaction. And, comes with 35.4% APR.

Best Axis Bank Premium Credit Card

Axis Bank Reserve Card

Benefits

This card comes with multiple luxury benefits such as complimentary chauffeur to premium hotels and club marriott membership along with free lifestyle vouchers. Moreover, you get a 50% discount on movies, 2x incremental reward value on international transactions, free golf rounds and insurance protection plans.

Drawbacks

The card comes with an annual fee equal to Rs. 30,000, which is quite high.

Bottomline

The card offers exclusive premium benefits. However, the annual charges are quite high along with high APR of 35.4% which seems quite high being a premium card.

Best Axis Bank Premium Credit Card 1st Runner’s Up

Axis Bank Magnus Card

Benefits

This card comes with multiple luxury benefits such as complimentary chauffeur to premium hotels and club marriott membership along with free lifestyle vouchers. Moreover, you get a 50% discount on movies, 2x incremental reward value on international transactions, free golf rounds and insurance protection plans.

Drawbacks

The card comes with an annual fee equal to Rs. 30,000, which is quite high.

Bottomline

The card offers exclusive premium benefits. However, the annual charges are quite high along with high APR of 35.4% which seems quite high being a premium card.

Eligibility Criteria to own Axis Bank Credit Cards

  • Minimum age of the applicant should be 18 Years at the time of credit card application. And the maximum age of the eligible applicant can be 70 Years.
  • Minimum age of the add-on cardholder should be 15 Years or above for all axis credit cards except Signature Card. Minimum age of the add-on cardholder for Signature card, Pride Signature card is 18 years.
  • Minimum income for Axis Signature Card is Rs. 9 Lacs required and must be an Indian Resident.
  • To own Axis Bank Insta Easy Card, you must have a Fixed Deposit of minimum Rs. 20,000 with the bank, where the deposit can’t be either a Tax Saver FDs, Flexi-Deposits (Auto-sweep Fixed Deposits) or a Fixed Deposits in the name of HUF/society/trust/companies. Maximum amount for the Fixed Deposit can be Rs. 25 Lacs.
  • To own Axis Bank Pride Signature Card, applicant must be an Indian Defense Personnel.

Documents Required for Axis Bank Credit Cards

  • PAN card photocopy or Form 60
  • Colour photographs
  • Latest payslip/Form 16/IT return copy as proof of income
  • KYC Documents

In case of Indian Defense Personnel

  • An ID card allowed from Indian Defense must be required.

Axis Bank Credit Card Offers

Axis Bank Credit Card Rewards – Earn & Burn

SpendsBuzz CardMY Zone CardNeo CardInstant Neo CardVistara Card
Dining2 eDGE Loyalty Points on each Rs.20040 eDGE Loyalty points on each Rs. 200 spent during Weekends
4 eDGE Loyalty points on each Rs. 200 on Weekdays
2 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Departmental Stores2 eDGE Loyalty Points on each Rs.20020 eDGE Loyalty points on each Rs. 200 spent during Weekends
4 eDGE Loyalty points on each Rs. 200 on Weekdays
2 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Grocery Stores2 eDGE Loyalty Points on each Rs.20020 eDGE Loyalty points on each Rs. 200 spent during Weekends
4 eDGE Loyalty points on each Rs. 200 on Weekdays
2 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Travel2 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty points on each Rs. 2002 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Entertainment2 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty points on each Rs. 2002 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Utility Bill Payment2 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty points on each Rs. 2002 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
FuelNilNilNilNilNil
Online Shopping6 eDGE Loyalty Points on each Rs.200 except online travel spend20 eDGE Loyalty points on each Rs. 200 spent during weekends
4 eDGE Loyalty points on each Rs. 200
2 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
Partners2 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty points on each Rs. 2002 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
International2 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty points on each Rs. 2002 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2002 CV Points on each Rs.200
SpendsVistara Signature CardVistara Infinite CardPrivilege CardMiles and More World CardMiles and More World Select Card
Dining4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
Departmental Stores4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
Grocery Stores4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
Travel4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
Entertainment4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.20020 Miles on each Rs.200 on movies20 Miles on each Rs.200 on movies
Utility Bill Payment4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
FuelNilNilNilNilNil
Online Shopping4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
Partners4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
International4 CV Points on each Rs.2006 CV Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 Miles on each Rs.2006 Miles on each Rs.200
SpendsReserve CardSelect CardPride Platinum CardPride Signature CardInsta Easy Card
Dining10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Departmental Stores10 eDGE Loyalty Points on each Rs.20020 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Grocery Stores10 eDGE Loyalty Points on each Rs.20020 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Travel10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Entertainment10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Utility Bill Payment10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
FuelNilNilNilNilNil
Online Shopping10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
Partners10 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200
International20 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2008 eDGE Loyalty Points on each Rs.20012 eDGE Loyalty Points on each Rs.200
SpendsMY Choice CardMY Wings CardPlatinum CardSignature CardTitanium Smart Traveler Card
Dining4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
Departmental Stores4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
Grocery Stores4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
Travel4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.200 
Entertainment4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.200 except movies10 eDGE Loyalty Points on each Rs.200 except movies2 eDGE Loyalty Points on each Rs.200 except movies
Utility Bill Payment4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
FuelNilNilNilNilNil
Online Shopping4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
Partners4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.2006 eDGE Loyalty Points on each Rs.20010 eDGE Loyalty Points on each Rs.2002 eDGE Loyalty Points on each Rs.200 
International4 eDGE Loyalty Points on each Rs.2004 eDGE Loyalty Points on each Rs.20012 eDGE Loyalty Points on each Rs.200 except movie and fuel20 eDGE Loyalty Points on each Rs.200 except movie and fuel8 eDGE Loyalty Points on each Rs.200 

Axis Bank Credit Card Bill Payment

Axis Bank Credit Card Bill Payment through Axis Bank Netbanking

  • Login to your Axis Bank Netbanking
  • Check your outstanding balance
  • Select the Credit Card number for which you want to make the payments.
  • Select the account and enter the amount
  • Click on “Submit” button

Axis Bank Credit Card Bill Payment through IMPS

  • Login your Other Bank’s Internet Banking Account
  • Go to the “IMPS” option under “Fund Transfer”
  • Add your credit card as beneficiary and enter the beneficiary information such as beneficiary name, your 16-digit axis bank credit card number and bank name etc.
  • Now go back to IMPS and select your axis bank credit card from the beneficiary list.
  • Enter the amount you want to pay.
  • Click on “Submit” and receive the acknowledgement.

Axis Bank Credit Card Bill Payment through Billdesk

  • Click here to go to the Axis Bank Billdesk page and click on “Pay Now”.
  • Enter your credit card information, registered email address, registered mobile number and the amount.
  • Select your other bank from the dropdown list.
  • Confirm the payment and receive the acknowledgement.

Axis Bank Credit Card Bill Payment through Axis Mobile Banking App

  • Login to Axis Mobile Banking app. Click here to download the app.
  • Go to the “Credit Cards” section and check the credit card summary.
  • Click on “Pay Last Bill” option.
  • Enter the amount and click on “Confirm” button.
  • Enter your mPIN to authorize the payment.

Axis Bank Credit Card Bill Payment through Cheque/Draft

Axis Bank Credit Card Bill Payment at Cash Counter

Axis Bank Credit Card Bill Payment through Auto Debit

  • Click here to download Auto Debit form.
  • Fill the form and post it to the following address – Credit Card Customer Service, Axis Bank Ltd, NPC 1, 5th floor, Gigaplex, Plot No. I.T.5,  MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708

Axis Bank Credit Cards – Fees & Charges

Buzz CardMY Zone CardNeo CardInstant Neo CardVistara Card
Finance Charges3.25% per month3.25% per month3.25% per monthNA2.95% per month
Cash advance fee2.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 250
Annual feeRs. 750Rs. 500Rs. 250NilRs. 1,500
Vistara Signature CardVistara Infinite CardPrivilege CardMiles and More World CardMiles and More World Select Card
Finance Charges2.95% per month2.95% per month2.95% per month2.95% per month2.95% per month
Cash advance fee2.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 250
Annual feeRs. 3,000Rs. 10,000Rs. 1,500Rs. 3,500Rs. 10,000
Reserve CardSelect CardPride Platinum CardPride Signature CardInsta Easy Card
Finance Charges2.95% per month2.95% per month2.95% per month2.95% per month2.50% per month
Cash advance fee2.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 250
Annual feeRs. 30,000Rs. 3,000NilNilNil
MY Choice CardMY Wings CardPlatinum CardSignature CardTitanium Smart Traveler Card
Finance Charges3.25% per month2.95% per month3.25% per month2.95% per month3.25% per monthTitanium Variant
2.95% per monthGold Variant
Cash advance fee2.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 2502.5% of the withdrawal amountMin. Rs 250
Annual feeRs. 250Rs. 1,200Rs. 200Rs. 3,000Rs. 100

Other Charges:

ChargeAmount
Foreign transaction fee3.5% of the transaction amount in Indian RupeeAdditionally 3.5% of the transaction amount if transaction is being refunded.
Late FeeZero to Rs. 700For Buzz Card, MY Zone Card, Neo Card, Instant Neo Card, Vistara Card , Vistara Signature Card, Vistara Infinite Card, Pride Platinum Card, Pride Signature Card, Insta Easy Card, MY Choice Card, MY Wings Card, Platinum Card, and Titanium Smart Traveler Card
Rs. 300 to Rs. 600For Other Axis Credit Cards
Minimum Payment5% of the outstanding amount
Over-limit fee3% of the over-limit amountMin Rs. 500
Returned payment feeRs. 300
EMI Conversion12% to 15% with processing charges equal to 1.5% of the transaction amount or Min Rs. 150
Balance transfer feeNA

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