Axis Bank Credit Card: Traveller’s guide
Travel In Good Company Of An Axis Bank Credit Card
A credit card forms an important part of every traveller’s wallet. But only a few of those travellers enjoy the services of a trusted and user friendly credit card. Your credit report and credit score form two of the most important aspects of your financial health. The Axis Bank credit card strikes the best balance between both the aspects to become one of the most preferred credit cards amongst the travellers and businessman, in the entire country.
Credit cards are a handy way to make payments and keep a record of your purchases. Compared to a debit card, if a credit card is used wisely, it goes a long way in helping keep cash transactions to minimum. The best service depends upon the type of card chosen and it is the best interests of the user to choose a card with multiple benefits. The Axis Bank credit card is a perfect and safe bet. But the question then arises as to,
- Why Choose Only Axis Bank Credit Cards
The Axis credit card can be of great value and help, if and when used wisely. The credit amount is readily available and the payments can be made immediately. In case of an emergency, The Axis credit card can prove to be extremely useful. The Axis credit card benefits cater to a wide section of the society. Every individual can avail of an Axis Bank credit card that is most suitable to him or her. The Axis Bank credit cards promise great rewards and exciting offers along with discounts on spending.
The Axis Bank credit payment online facility, extended by Axis Bank, is a user friendly and hassle frees process. Just follow these simple steps.
- Log on to the Axis Bank Internet Banking atAxisbank.com
- Go to credit card section and select Balance and payments
- Select the Axis credit card number
- Select the Account to be debited
- Enter the amount you wish to pay
- Click “Submit”
- Enter TAT or Turn Around Time for clearance as ‘Same day’
With an Axis Bank Credit Card, The customers can get a discount on movie tickets, dining offers, access to airport lounges, cash backs, buy the latest electronic equipment and pay for the fuel in any partner filling stations. The Axis credit card benefits include an added privilege for every customer. He or She can to become a part of a rewards program called the Edge Loyalty Rewards Program.
- The Features And Benefits Of An Axis Bank Credit Card.
The Axis Bank credit cards have many attractive features for its customers. We highlight a few of them here.
- Attractive Cash back options
- Higher purchase limits
- Close to 500 rewards from Axis Bank’s EDGE Loyalty program
- Discounts on dining, shopping and e-commerce transactions
- Special benefits at airport lounges.
- Create your own credit card using My Design.
- Credit cards with embedded EMV chips for enhanced security
The Axis Bank credit card benefits have been the hall mark of Axis Bank’s services to its customers. In addition to the above,
- Customers holding Axis Bank Neo Credit Cards can get an instant discount of 10% on their first booking with Book My Show. This offer is available only till March 2019. So if you are a movie buff, be sure that You have applied for your Axis Bank Neo Card today.
The Axis Bank Credit card flight offers include exciting range of facilities to frequent flyers. Under its My Wings Credit Card scheme, Axis Bank offers load of benefits in Air Travel. Here are some of the highlights.
- Complimentary flight tickets to be availed from Ezeego at ezeego.co.in
- 20% cash back on base fare on any domestic flight booking per sector.
- The Axis Bank credit card extends its benefits to more attractive cash back schemes A domestic return flight booking entitles you to a Rs.500 cash back while on International flights there is a cash back facility upto Rs.1500.
- There is also a Rs.1000 cash back facility on hotel bookings in India, Nepal and Bhutan.
- Axis Bank credit card also offers Rs.1500 cash back facility on international hotel bookings worth Rs.7000.
- Upto Rs.2500 cash back on domestic holidays worth Rs.20, 000 and above and Rs.3000 cash back for international holidays of the same value are some of the other added attractions associated with the purchase of every Axis Bank Credit Card.
- The Axis Bank Vistara Credit Card is a unique and great option for travel enthusiasts. With multiple benefits such as complimentary lounge access at airports across India and free premium economy class tickets, this credit card provides an ultimate travel experience.
In order to be eligible to apply for the Axis Bank Credit Card, the applicant has to fulfil certain eligibility criteria and submit certain documents as detailed below.
The instant loan facility provided by the Axis Bank credit card acts as a source of assurance to its customers during crucial situations.
- Axis Bank Credit Card Documentation and Eligibility
Like any other Banks, The Axis Bank too follows certain procedures, before it processes your request for a credit card. Here is a look in.
Axis Bank Credit Card Eligibility
- The Primary Card holder should be within the age limit of 18 to 70 years.
- The applicant should be a resident of India.
- The Add-on card holder (either the spouse, parents or children of the primary card holder) must be above the age of 15 years.
Axis Bank Credit Card Documentation:
- Pan Card photocopy or Form 60
- Income Proof: Form 16/ Latest Pay slip /IT Return copy
- Residence Proof: Passport/ Ration Card/ Electricity Bill/ Landline Telephone bill
- Salaried – Latest 3 Months salary slip (or) Last 3 months’ bank statements
- Self-employed – Last year ITR along with Bank Statement for last 3 months and Form 16
To avoid any embracement caused due to a financial crunch at a crucial moment, it is mandatory that the user is aware of his credit limits at all times. The Axis Bank credit card limit check can be done though the following process.
- Through Axis Bank Net banking facilities
- Though SMS alerts
- Through Customer service and call centers
- At an Axis Bank ATM
- By visiting any Axis Bank Branches
- By Mobile App
- By Monthly Bank Statements.
Having understood broadly about Axis Bank Credit Cards and its benefits, let us now see the top 10 credit cards provided by Axis Bank and its benefits.
|Type of Card||Joining Fee in Indian Rupees||Annual Fee in Indian Rupees||Benefits on Offer.|
|Axis-Bank Signature card for Life Style Benefits||5000||3000|| The Axis Bank Signature credit card offers flexible spending limit facility.
The card entitles the cardholder to enjoy a complimentary Taj Epicure Plan Membership which gives incremental and easily redeemable points on every Taj Dining experience. Other benefits included in the Membership plan are 10% discount on dining at Taj Membership hotels, complimentary membership to the Silver Tier of the Taj Inner Circle Loyalty Program, 50% off on buffet lunch at Taj Coffee Shop and two weekends for half at selected Taj Hotels.
The Axis bank credit card facilities also include a complimentary Indigo Airlines voucher on renewal of the card if the total spending on the card in the previous year was Rs.6 lakhs.
50% cash back on online or box office purchase of movie tickets
Up to 20% discounts on dining.
Complimentary comprehensive insurance cover worth Rs.2.55 crores which includes air accident cover, travel related covers, purchase protection and lost card liability.
Ease of converting purchases to EMIs.
The Axis Bank privilege credit card comes with tax free benefits and offers a waiver of upto 4.5% on fuel purchase anywhere in India.
|Axis-Bank signature card with travel benefits||1500||1500|| The Axis Bank Signature credit card offers complimentary insurance cover worth Rs. 2.5 Crores which includes Air Accident Cover, Purchase Protection, Lost Card Liability, Loss of Travel Documents, Delay of Check-in baggage and Loss of Check-in baggage.
Global Purchase assistance
Facility to convert Purchase into EMI
The best airline credit card offer from the Axis Bank signature credit cards allows the user attractive discounts on premium airlines.
Subsequently, the Axis Bank credit card lounge access facility, extends free access facilities to air travellers in premium airports across India and globally.
|Axis-Bank Miles and More credit card||3500||3500|| Introduced by Luftansa Airlines, under the Luthansa miles and more program, you earn 5000 miles on World Cards and 15000 miles on World Select Cards. The annual bonus is 3000 miles and 4000 miles on World Cards and World Select Cards, respectively.
Your accumulated miles and more mileage account will never expire. You may use it as per your convenience, without worrying about time constraints.
You can transfer credit balance from other cards to your Axis Bank Miles & More Credit Card. This helps you save up a lot.
|Axis-Bank My choice credit card||500||500|| Like most hotel programs, The Axis Bank Choice Hotels Credit Card enables you receive reward points for hotel stays that can be used for complementary nights, upgrades and other awards
Pick a picture of your choice or select any from the pre-existing gallery images and customize your card. Make it as unique as you are.
The Axis Bank choice privileges credit card gives a choice to the user to pick any two from Dining, Fuel, Electronics, Utility bills, Travel or Supermarkets and you can get a 5% cash back on them.
The Axis Bank choice rewards credit card facilitates you with 4 reward points for every 200 INR that you spend. A straight 100 points can be earned on your first online transaction.
The EMV certified chip credit card gives you complete protection from all kinds of fraud.
|Axis-Bank My zone credit card||500||500|| The Axis Bank my zone credit card offers an EMV( Euro pay, Master Card and Visa) certified chip that gives this card a top notch security status.
Your EDGE loyalty points multiply by 10 times when you use your Axis Bank MY Zone Credit Card for dining out on weekends.
Your EDGE loyalty points multiply by 5 times when you use your Axis Bank MY Zone Credit Card at supermarkets or apparel store on weekends.
The Axis Bank my zone credit card benefits also include a 25% cash back on purchase of both online and box office tickets for movies.
|Axis-Bank My wings credit card||500||500|| On purchase of an Axis Bank my wings credit card, you will be entitled to two base fare flight tickets.
The Axis Bank my wings credit card features also include a 20% cash back on base fares for booking domestic flights.
Every time you use your MY Wings Credit Card on the IRCTC website you get a discount of 25 INR.
Every bus ticket you book using the card, gets you INR 100 cash back.
400 INR cash back by booking a car from any car rental in India, forms one of the important Axis Bank my wing credit card benefits.
|Axis-Bank My business credit card||999||1st year: nil; 2nd year 499.|| The Axis My Business Credit Card Flight Booking facility extends 20% cash back on base fare flight ticket bookings done through Ezeego.com with a minimum and maximum value of Rs.500 and Rs.2000 per year respectively/
A Rs.500 cash back on any domestic air travel and Rs.1500 cash back on international air travel/
A Rs.1000 cash back on hotel bookings worth more than Rs 7000 in India, Nepal and Bhutan and Rs.1500 cash back on international hotel bookings of Rs 7000 and above
Rs.2500 cash back on domestic holidays worth Rs.20, 000 and above and Rs.3000 cash back for international holidays of the same value.
Rs.100 cash back on bus bookings per person in India.
Refund on fuel surcharge of upto 2.5% for a fuel purchase between Rs. 400 – Rs. 4000, every year.
EDGE Loyalty Rewards Program which gives you redeemable reward points against every expenditure.
The Axis Bank Airport Lounge facility has 2 complimentary airport lounge access every quarter across domestic airports and many more.
|Axis-Bank Titanium smart travel credit card||250||250|| The Axis Bank Titanium Smart traveller credit card offers EDGE Loyalty Rewards Program which gives you redeemable reward points against every spending on travel.
The Axis Bank Titanium credit card features also include a 2.5% fuel surcharge waiver on fuel stations across India. The range of the waiver is Rs.400-Rs.4000 per year.
Ease of converting purchases to EMIs on any transaction over Rs. 2500/-
Secured Protection facilities for the card against misuse and fraud attacks
|Axis-Bank Neo credit card||250||250|| The Axis Bank Neo credit card benefits all movie buffs and shoppers with attractive options.
A New Axis Bank Neo credit card offers Book My Show movie vouchers worth Rs.200 and Jabong shopping vouchers worth Rs.500 as welcome benefits.
The Axis Bank Neo credit card features include a 10% off on shopping from Myntra on a minimum purchase value of Rs. 500.
10% on movie tickets booking through Book My Show to a maximum monthly limit of Rs.50.
10% off on bus bookings through red bus to a monthly maximum of Rs.100
10% cash back on mobile recharge through Free charge up to a monthly maximum of Rs.30.
|Axis-Bank Platinum credit card||500||200|| One of the benefits of the Axis Bank Platinum credit card is the presence of an advanced EMV certified chip which reduces the possibility of misuse or fraud. The card is chip and PIN protected.
The Axis Bank Platinum credit card offers a 25% cash back on movie tickets booked online or through the box office
A 2.5% waiver on fuel surcharge can be availed on fuel stations across India. The range of the waiver is Rs.400-Rs.4000 per year.
In case you lose your card and need a replacement or need emergency cash advances while travelling anywhere in the world, you can file a report through VISA International Global Card Assistance Services
Ease of converting purchases to EMIs through internet banking, mobile app or customer care channel.
|Axis-Bank Insta East credit card||500||0|| The Axis Bank Insta Easy Credit card comes with a Platinum Chip which offers clear authentication of credit payments combined with easy detection on fraud.
Thus the card comes with chip and PIN protection.
The Axis Bank Insta Easy card offers upto 100% cash withdrawal.
You are entitled to earn 6 edge loyalty points on every expenditure of upto Rs. 200 in India and 12 edge loyalty point s on international expenditures incurred.
The credit limit is pretty flexible. You can decide your own credit limit.
Facility of using the credit card to withdraw cash up to a credit limit of 100%
Free credit period of up to 50 days on purchases without any finance charges being levied
2.5% fuel surcharge waiver on fuel stations across India. The range of the waiver is Rs.400-Rs.4000 per year.
|The Axis Bank Shriram Credit Card||500||300|| The best rewards credit card from the Axis Bank Shriram credit card awards the user with 1 reward point is earned on spending 100 INR.
Lost card liability is 15000 INR.
The Axis Bank Shriram credit card holder can have his own photo on the credit card.
Before concluding this article, let us take a look at few questions which you would like to clarify upon.
Q: What are the eligibility criteria for getting an Axis Bank Credit Card?
A: To apply for an Axis Bank Credit Card, the primary card holder should between 18-70 years of age.
Q: How to do Axis Bank credit card bill payment?
A: You can either pay your Axis Bank Credit Card bills online by visiting the Axis Bank website or through any Axis Bank ATM’s or by visiting any Axis Bank branches in person.
Q How can I check my credit card usage?
A You can check your credit card usage/ balance either through your billing statement or getting in touch with the customer service.
Q How can I convert Credit Card payments to cash?
A You can convert your credit card payments to cash by using PayPal “My Cash” Cards. If you have a PayPal account connected to your bank account, you have a way to get a cheaper cash advance.
Q; Which is the best Axis Bank Credit Card?
A; The Axis Bank Signature card with Travel Benefits is the most sought after credit card as of now.
Q; How can I de activate an Axis Bank Card?
A; Use any of the following methods should you want to deactivate your axis bank card.
- Login to the Axis Mobile app. Go to Banking > Services > Credit Card > Block & Replace Card
- Log on to Internet Banking. Go to Account > My cards>More Services.
Q: How can I check the dispatch status of my Axis Bank Card?
A: You can check the dispatch status of your credit card online, by visiting the desiccated Axis bank website, creditcards.axisbank.com.
Q; Is it mandatory to have an Axis Bank Account to apply for an Axis Bank Credit Card?
A; No. An Axis Bank account is mandatory to avail credit card facilities.
Q; What is the processing time for an Axis Bank Credit Card.
A: Normally the process takes 3-4 weeks from the date of receiving your application
Q; Can I apply for a duplicate card in case of loss or theft of my Axis Bank credit Card?
A: You have to initially get in touch with you Axis Bank branch and report the loss or theft of your card. Then follow the instructions as laid out by the bank.
Q: What is the maximum credit limit offered on my Axis Bank Credit Card?
A: As Axis Bank offers a variety of credit cards, the credit limit varies. Contact your Credit Card counsellor for relevant details.
The Axis Bank credit card is miles apart from the other types of credit cards on offer. The features and benefits of the Axis Bank Credit card extend from Life Style benefits to travel benefits to restaurant and entertainment benefits too. Air travellers can earn huge benefits with their never ending travel miles acquired.