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Axis Bank Credit Cards

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Top Axis Bank Credit Cards in India 2020

Compare the Features and Benefits of Axis Bank Credit Cards

Axis Bank provides its customers with a wide range of credit card options to ease their daily transactions. Axis bank has a credit card for every need, be it shopping, lifestyle, food, travel, fuel, banking or business. Each Axis Bank credit card promises great rewards, shopping and movie vouchers, discounts along with the facility to convert big purchases into easy EMIs and pay them back over a period of time.

TYPES OF HDFC CREDIT CARDS

AXIS BANK CREDIT CARDS ANNUAL FEE (INR) & SUITABLE FOR KEY FEATURES
Axis Bank Vistara Signature Credit Card Rs 3000 Suitable For Lounge AC, Travel
  • Get up to 4 complimentary premium economy tickets.
  • Complimentary Club Vistara Silver Membership
Axis Bank Privilege Credit Card Rs 1500 Suitable For Lounge AC, Fuel, Dining
  • Get 2 complimentary domestic airport lounge access per year.
  • Get 20% off at 4000 partner restaurants.
Axis Bank Miles & More World Credit Card Rs 3500 Suitable For Lounge AC, Fuel, Movie deal
  • Get 20 award miles per Rs 200 spent on movie bookings.
  • 1% fuel surcharge waiver
Axis Bank Vistara Credit Card Rs 1500 Suitable For Travel, Dining
  • Complimentary economy class ticket as welcome gift.
  • Get minimum 15% off at over 5000 restaurants across India.
Axis Bank Buzz Credit Card Rs 750 Suitable For Shopping
  • Get 3X reward points on online shopping.
  • Get Flipkart vouchers worth up to Rs 7000 annually on milestone spends.
Axis Bank My Zone Credit Card Rs 500 Suitable For Shopping, Movie Deal, Dining, Fuel
  • Get 25% cashback on movie tickets at Paytm all week.
  • Get up to Rs 1000 off on Myntra.
Axis Bank Neo Credit Card Rs 250 Suitable For Shopping, Movie Deal
  • Get BookMyShow voucher worth Rs 300 as welcome gift.
  • Get gift voucher worth Rs 500 on Myntra.

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AXIS BANK PREMIUM CREDIT CARDS

Axis Bank Privilege Credit Card

  • Annual fee - Rs 1000
  • Welcome Benefit - Get a wide range of gift vouchers for shopping, apparels, dining and many more categories by visiting hdfcbank.timescard.com and view latest movie and dining offers and outlet details.
  • Movie and Dining offers - Get great around-the-year discount offers of 25% at participating movie and 20% at over 1000 partner dining outlets in your city.
  • Reward Points - Get 3 reward points per Rs 150 spent and 10 reward points per Rs 150 spent on dining on weekdays (Monday - Friday) in the Weekday Dining Bonanza.
  • Fuel Surcharge Waiver - 1% fuel surcharge waiver at any petrol pump using your HDFC Bank Platinum Times Credit Card applicable on transactions between Rs 500 - Rs 4000.
  • Zero liability on lost card - After reporting a lost card, you have a zero liability on any fraudulent transactions made with your card.
  • Utility Bill Payments - Register your card with SmartPay, HDFC Bank’s utility bill pay service and ensure that all your utility bills are paid easily and on time.
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Axis Bank Buzz Credit Card

  • Annual fee Rs 750
  • Welcome gift Get Flipkart Gift voucher worth Rs 1000 on making 3 purchases within the first 45 days of getting the card.
  • Usage Benefits Get 10% instant discount on Flipkart from 1st-5th each month, 5% instant discount on Flipkart from 6th-31st each month, 2X Axis EDGE reward points per Rs 200, 3X Axis EDGE reward points on online shopping and minimum 15% off on partner restaurants in India.
  • Milestone Benefits Get Flipkart gift vouchers worth up to Rs 7000 annually on milestone spends.
  • Convert purchases into EMI You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
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AXIS BANK FEATURED CREDIT CARDS

Axis Bank My Zone Credit Card

  • Annual fee Rs 500
  • Movie Ticket Cashback Get 25% cashback on movie tickets at Paytm all week. You can earn maximum of Rs 100 cashback per month.
  • Welcome Benefit Get up to Rs 1000 off on Myntra using the coupon code MYZONE1000 at checkout and pay through your Axis Bank My Zone Credit Card. Offer is applicable on minimum spends of Rs 3499 on select styles.
  • Complimentary Lounge Access Avail 1 complimentary airport lounge access to select airport lounges across India per calendar quarter.
  • EDGE rewards Get 4 EDGE reward points per Rs 200 spent on the credit card. Also earn up to 4000 bonus EDGE reward points every year by getting 1000 bonus EDGE reward points on minimum spends of Rs 30,000 each calendar quarter.
  • Myntra Discount Benefit Get up to 25% off on Myntra purchases by using MYZONE25 coupon code at checkout. This is applicable on minimum spends of Rs 1999 on select styles.
  • Dining Benefits Enjoy variety of cuisines with Axis Bank Dining Delights which offers up to 20% off at partner restaurants in India. Click here to view the list of the partner restaurants.
  • Convert purchases into EMI You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
  • Fuel Surcharge Waiver Get 1% fuel surcharge waiver at all fuel stations across India. Offer valid on transactions between Rs 400 – Rs 4000.
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Axis Bank Neo Credit Card

  • Annual fee Rs 250
  • Activation gift Do your first transaction within 1 month of getting the card and get Amazon voucher worth Rs 250 as an activation gift.
  • Welcome Gift Get BookMyShow voucher worth Rs 300 as welcome gift.
  • EDGE Reward Points Earn 2 EDGE reward points per Rs 200 spent using your Axis Bank Neo Credit Card. Use these EDGE reward points to redeem 500+ rewards and offers.
  • Myntra Gift Voucher Get gift voucher from Myntra worth Rs 500 by applying the coupon code AXNIOMYNT during checkout.
  • 10% Discount & Cashback Enjoy 10% off on Akbar Travels, Online shopping at Myntra, Movie ticket bookings through BookMyShow and 10% cashback on mobile charges done through Freecharge mobile app.
  • Dining Benefits Get minimum 15% discount at partner restaurants with the Axis Bank Dining Delights. Click here to see the list of partner restaurants.
  • Convert purchases into EMI You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
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AXIS BANK CO-BRANDED CREDIT CARDS

Axis Bank Miles & More World Credit Card

  • Annual fee: Rs 3500
  • Welcome Gift: Earn 5000 bonus welcome award miles on your first transaction and a priority pass.
  • Priority Pass Lounge Access: Get 2 complimentary visits to Priority Pass Lounges in a year and 4 complimentary visits per quarter for MasterCard Lounge Access.
  • Reward Points Benefit: Earn 4 award miles per Rs 200 spent domestically/internationally and 20 award miles per Rs 200 spent on Movie Bookings. Redeem collected miles against Flights and Upgrades, Hotels, Shopping, Car rentals or a Good cause by either helping a child go to school, ensure the care for an orphaned child or replant forests.
  • Milestone Benefits: Get bonus Club Vistara points and up to 4 complimentary Premium Economy tickets on achieving milestone spends.
  • Dining Benefits: Enjoy mouth-watering cuisine with Axis Bank Dining Delights which offers a minimum 15% discount at partner restaurants in India. Click here for the list of partner restaurants.
  • 24x7 Concierge Service: Get assistance on flight bookings, table reservations, exclusive events/shows, gift deliveries and so on via Axis Bank Miles & More World Credit Card.
  • Fuel Surcharge Waiver: Get 1% fuel surcharge waiver on transactions between Rs 400 – Rs 4000 across all petrol pumps in India.
  • Convert purchases into EMI: You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
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Axis Bank Vistara Credit Card

  • Annual fee: Rs 1500
  • Welcome gift: Get your welcome gift in the form of a complimentary Economy Class Ticket. Get a Premium Economy Ticket every year on renewal of your Axis Bank Vistara Credit Card.
  • Complimentary Club Vistara Base Membership: Get a Club Vistara Base Membership complimentary and enjoy exclusive club membership benefits like priority check-in and additional baggage allowance.
  • Reward Points Benefit: Earn 2 Club Vistara (CV) reward points per Rs 200 spent using the Axis Bank Vistara Credit Card. These CV reward points can be redeemed for upgrades and award flights.
  • Milestone Benefits: Get bonus Club Vistara points and up to 3 complimentary Economy class tickets on achieving milestone spends.
  • Lifestyle Benefits: Get complimentary lounge access at selected airports in India. Click here to view the list of participating Vistara lounges. Also get discount of minimum 15% at over 5000 restaurants across India with Axis Bank dining delights.
  • Convert purchases into EMI: You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
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Axis Bank Vistara Signature Credit Card

  • Annual fee: Rs 3000
  • Welcome gift: Get your welcome gift in the form of a complimentary Premium Economy Ticket. Get a Premium Economy Ticket every year on renewal of your Axis Bank Vistara Signature Credit Card.
  • Complimentary Club Vistara Silver Membership: Get a Club Vistara Silver Membership complimentary and enjoy exclusive club membership benefits like priority check-in and additional baggage allowance.
  • Reward Points Benefit: Earn 4 Club Vistara (CV) reward points per Rs 200 spent using the Axis Bank Vistara Signature Credit Card. These CV reward points can be redeemed for upgrades and award flights.
  • Milestone Benefits: Get bonus Club Vistara points and up to 4 complimentary Premium Economy tickets on achieving milestone spends. Get discount of minimum 15% at over 5000 restaurants across India with Axis Bank dining delights. Also get discounted rounds at Premium Golf Clubs.
  • Lifestyle Benefits: Get complimentary lounge access at selected airports in India. Click here to view the list of participating Vistara lounges.
  • Convert purchases into EMI: You can convert any purchase over Rs 2,500 into EMIs by contacting the bank.
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OTHER AXIS BANK CREDIT CARDS

AXIS BANK RESERVE CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit Axis Bank website to apply.

  • Get exclusive benefits at Taj hotels and luxury lifestyle vouchers worth Rs 10,000.
  • Get 10 EDGE reward points on domestic spends and 20 EDGE reward points on international spends.
  • Get complimentary golf rounds at 19 courses across India.
  • Get Club Marriott with discounts and offers on your stay and dining.
  • Get 24x7 concierge service for fight bookings, table reservations, exclusive events and shows, gift deliveries and more.
  • Get minimum 15% discount on partner restaurants across India.
  • Avail 50% cashback on all movie tickets booked through Paytm for a year.
  • Get complimentary Club Vistara Gold Membership and Unlimited complimentary lounge visits.

AXIS BANK INSTA EASY CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit Axis Bank website to apply.

  • Get cash withdrawal of up to 100% credit limit.
  • Get 6 reward points per Rs 200 for domestic spends and 12 points per Rs 200 for international spends.
  • Get 100 points for the first online transaction.
  • Get a credit limit of your choice up to a maximum of 80% of the FD principal value.
  • Get free credit for up to 50 days.
  • Enjoy minimum 15% off on dining partners across India.
  • 1% fuel surcharge waiver across all fuel transactions in India.

AXIS BANK PRIDE SIGNATURE CREDIT CARD

Note: This card is not available on investmentcover.com. Please visit Axis Bank website to apply.

  • Avail 2 complimentary visits to select airport lounges within India per calendar quarter.
  • Enjoy minimum 15% off at partner restaurants with Axis Bank Dining Delights.
  • Get 8 points per Rs 200 spent and 100 bonus reward points per month.
  • Stay secured and protected with EMV chip enabled card and zero lost card liability.
  • 1% fuel surcharge waiver on all fuel transactions across India.

ELIGIBILITY CRITERIA FOR AXIS BANK CREDIT CARDS

  • Age of primary cardholders must be between 18-70 years.
  • Age of add-on cardholder must be above 18 years.
  • Income of applicants must be minimum 6 lakhs per annum.
  • The applicant must be an Indian citizen.
  • Applicant must have a good credit score.
  • Applicant should be able to produce all the required documents.

DOCUMENTS REQUIRED FOR AXIS BANK CREDIT CARDS

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Documents Required Additionally for NRI Applicants
  • PAN Card
  • Form 16

HOW TO APPLY FOR AXIS BANK CREDIT CARD

ONLINE AXIS BANK CREDIT CARD APPLICATION

  • Click on here
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc.
  • After you fill the requirements, a list of suitable credit card options will be shown to you.
  • Select the option from a wide range of credit cards which suits your needs and apply for that credit card.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can apply for a card at the official Axis Bank website.

OFFLINE AXIS BANK CREDIT CARD APPLICATION

To apply for Axis Bank Credit Card offline:

  • Visit the nearest branch of Axis Bank.
  • Meet one of their credit card representatives and share your requirements and what you want from your Axis Bank Credit Card.
  • Based on this, the representative will suggest a credit card among along with its features and benefits.
  • Once you are satisfied, fill out the credit card application form and submit along with the required documents.
  • You will receive your Axis Bank Credit Card in a few days after the approval of your application.

OTHER FEES AND CHARGES FOR AXIS BANK CREDIT CARDS

Fee / Charge Amount
Add-on Fee Nil
Finance charges (Retail purchases & cash) 2.95% per month (41.75% per year)
Cash withdrawal fees 2.5% of the cash amount or Rs 500, whichever is higher
Cash Advance Limit 40% of credit limit
Cash Payment fee Rs 100
Card Replacement (lost or stolen or re-issue) Waived
Duplicate statement fee Waived
Over limit penalty 3% of the overlimit amount (minimum Rs 500)
Charge slip request fee / Copy request fee Waived
Outstation cheque fee Waived
Cheque return or dishonor fee or Auto debit revival Rs 300
Surcharge on purchase or cancellation of railway tickets As prescribed by IRCTC/Indian Railways
Fuel transaction charges 1% of transaction amount (Refunded for fuel transactions between Rs 400 – Rs 4000)
Foreign currency exchange fee 3.5% of transaction value
Mobile alerts for transactions Waived
Hotlisting charges Waived
Balance enquiry charges Waived

EARN & REDEEM POINTS ON AXIS BANK CREDIT CARDS

Axis Bank offers the EDGE Loyalty Rewards Program to its Axis Bank credit card users. This loyalty program is specially curated to reward you for every swipe of their Axis Bank credit card. Each reward has been designed keeping you (the customer) in mind so that you have an extraordinary experience while redeeming your gifts with Axis Bank.

With this Axis Bank EDGE Loyalty Rewards Program, you are able to earn reward points on 70+ different ways. You also enjoy redemption benefits with a choice of 500+ rewards from the Axis Bank Rewards Catalogue.

You can start redeeming your Axis Bank EDGE reward points as soon as you earn a minimum of 300 reward points. You can redeem your reward points through Axis Bank website, mobile banking, online banking, partner outlets or by contacting Axis Bank customer care center.

While making your redemptions, you can add items to your wish list by adding items to the “My Wish List” column and then later choose the item you want to buy. Axis Bank also suggests you customized options for credit card based on your income to help you to earn reward points faster.

You can also use the "Points Plus Pay" option to get a reward of your choice by making a part of the payment through your reward points and part of the payment through your credit card. This option can come in handy if you want to redeem your reward points against a gift and fall short of reward points.

You can get these features through your Axis Bank EDGE Loyalty Rewards Program website: Redemption Options (Rewards Catalogue / Recharge & Bookings / Partner Deals) Gifting Options, Reward Delivery Status, History of your redemption transactions through "My EDGE Transactions" Ability to transfer your points through the "Transfer My Points" feature, Add items you like to your wish list by “My Wishlist” feature and Download option for previous transactions done by you.

The EDGE reward points expire after 3 years from the date of transaction. You can access and view your number of reward points earned through mobile banking, EDGE Loyalty Rewards website or your internet banking accounts.

You can earn EDGE reward points on the following transactions under the EDGE Loyalty Program: Credit card purchase transactions, Banking transactions by family members, Upgrade and addition of credit cards, Credit card transactions with partner brands, Bonus points on your birthday and Transfer of points from another Axis Bank customers.

Reward points are given by Axis Bank on the basis of Average Monthly Balance (AMB) maintained by you (the customer).

How to redeem Axis Bank Privilege Credit Card reward points?

You can redeem your Axis Bank Privilege Credit Card reward points through the following ways:

1. EDGE Rewards Website

You can redeem your reward points on Axis Bank EDGE rewards catalogue. One of the great features of Axis Bank rewards program is the “Points Plus Pay” that allows you to split the cost of the item between reward points and money, so you can pay half of the cost of a thing using your reward points and the other half through your credit card balance. The steps to redeem the points are:

  • Go to Axis Bank Rewards Catalogue.
  • Choose the category you want to redeem your points against. You can sort the items and set the range on how much reward points you want to shop with.
  • Select the item and add the item to your cart.
  • Go to your cart and redeem the items with respect to your reward points.

2. Internet Banking

You can redeem the points through Internet banking as well by following the given steps:

  • Go to the Axis Bank Internet Banking login page.
  • Click on “Axis EDGE Rewards” on the “Account Summary” page.
  • Click on “Redeem Now” after accepting the terms and conditions.
  • Choose the product you want to redeem your points on and add those products to the basket.
  • Confirm the redemption and accept the terms and condition if you are redeeming points for the first time.

3. Axis Bank Mobile App

Axis Bank EDGE Reward Points can be redeemed through their mobile app also by following the given guidelines:

  • Download the official Axis Bank mobile app for Android or iOS.
  • Click on “Rewards Tab” from the menu to view your points balance.
  • Go to “Redeem Now” section and select “Rewards Store”.
  • Choose the product you want to get, add the item to the basket and confirm the redemption.

4. Axis Bank Contact Centre

You can also redeem your points through Axis Bank Contact Centre. This is useful for those who have not activated internet banking for their account/credit card. Follow the given guidelines to redeem your reward points offline:

  • Go to the reward store of axis bank.
  • Decide the product you want to spend your points on.
  • Call on any of the two numbers 1860-419-5555 or 1860-500-5555
  • Share your credentials with the customer care executive and place your order.

FEATURES AND BENEFITS OF AXIS BANK CREDIT CARDS

  • Add on Cards: Empower your family-members with add on cards for Axis Bank Privilege Credit Card (minimum age for add-on: 18 years)
  • Global Acceptance: Axis Bank Privilege Credit Card can also be used across the globe.
  • Interest free credit: Get up to 50 days of interest free credit and manage your payments at your convenience.
  • Annual Fee Waiver: Spend a designated amount annually and get the subsequent year’s annual fee waived off (designated amount is different for different cards).
  • Safety Feature: Enjoy safe and secure transactions with EMV chip-enabled cards.
  • Convert purchases to EMI: Convert any purchase of over Rs 2500 into EMIs by contacting Axis Bank.

CUSTOMER CARE FOR AXIS BANK CREDIT CARDS

You can clear all your doubts and queries through HDFC BANK customer service. You can get access to the HDFC BANK customer service executives through the HDFC BANK helpline number, correspondence address or email id.

Customer Service Numbers: 1860-500-5555 or 1860-419-5555 is accessible from any landline or cell phones in India. +91 – 22-27648000 is accessible from outside India.
E-mail ID: axisbank.com/support
For LIC cards: 1800-233-1100
E-mail ID for LIC cards: liccards@axisbank.com

Grievance Redressal
To,
Mr. Ashok Ramakrishnan, Nodal Officer
Axis Bank Ltd., NPC1, 5th floor, “Gigaplex”, Plot No. I.T.5,
MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400 708

E-mail ID: nodal.officer@axisbank.com
Phone number: 91-22-71315288
Timings: 9:30am to 5:30pm (Monday to Friday) and 9:30am to 2:00pm (Saturday) Except banking holidays

INSURANCE COVERS FOR CARDHOLDERS

Axis Bank provides all sorts of insurance covers for its customers. The Insurance Covers mentioned below will be applicable depending on the card type variant. Kindly go through the welcome booklet for applicable insurance covers on the Axis bank credit card you choose.

Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.

Air Accident Cover: This insurance cover is only applicable only if the Axis bank credit card has been used at least 90 days before the incident and the air ticket is purchased on the Axis bank credit card. The cardholder’s nominee will not be entitled to any amount under the Air Accident Insurance Policy unless all the dues with the bank are settled.

Zero Lost Card Liability: This gives protection against fraudulent purchase transactions, covering 30 days prior to the reporting period from the moment the loss of card is reported to Axis Bank by the cardholder. It is mandatory to support this with a FIR. This insurance cover is not valid for ATM or PIN based transactions.

Purchase Protection: This cover provides protection against fire or burglary within 90 days of purchase made on the credit card and should mandatorily be supported by FIR. Gross negligence on the part of the cardholder leading to a loss will not be covered. This cover does not cover Jewelry and other perishable products.

Credit Shield: This covers outstanding up to a specific amount on the card in the event of an accidental death.

Delay in Check-in Baggage: This reimburses the cost of necessary items for basic needs in case of baggage delay of more than 6 hours while travelling overseas.

Loss of Check-in Baggage: This covers loss of baggage or damage in case of overseas travel.

Loss of Travel Documents: This covers costs incurred in procuring a passport, including the application fee for passport / other travel documents while travelling overseas.

ONLINE APPLICATION STATUS FOR AXIS BANK CREDIT CARDS

Get the real-time status of your Axis Bank Credit Card by simply visiting the official HDFC Bank website. You just need to put your credit card application reference number, date of birth etc. and follow a few simple steps and you are done with the credit card application status. You would get to know the status, whether the application is approved, pending for approval or rejected. You can even call the customer care or the HDFC bank branch officials to check the status.

Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.

You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

CREDIT LIMIT FOR AXIS BANK CREDIT CARDS

The credit limit will be determined by Axis Bank depending on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business. Add-on card members will have the same limit as the primary cardholder.

The credit limit and cash withdrawal limit will be communicated to the cardholder at the time of card delivery and in the monthly statements. The available credit limit at the time of the statement generation is provided as part of the monthly statement.

Existing cardholders can get good credit limit by asking Axis Bank to raise the credit limit by writing to the bank and providing financial documents declaring their income. After receiving the request of limit enhancement, Axis Bank will check the repayment pattern, employment, business details and the new income document provided before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.

This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.

In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.

STATEMENT AND BILL PAYMENT FOR AXIS BANK CREDIT CARDS

Axis Bank will send you a monthly statement if there is any transaction or outstanding of more than Rs 100. The statement will be sent to your mailing address/e-mail address provided by you while applying for the card. You would still be liable to pay your outstanding even in case of non-receipt of a statement.

Axis bank will debit the card account for all the debits received and credit the card account for all payments made by you to the bank.

The bank may offer you a revolving credit facility where you can choose to pay only the Minimum Amount Due (MAD) as written on the statement. The Total Amount Due (TAD) or MAD should be paid on or before the due date which is also written on the statement.

Non-payment of the Minimum Amount Due will render you liable to the risk of withdrawal or suspension (temporarily or permanently) of your Axis bank credit card.

Payments made to your card will be allocated in the order of:

  • Fees and charges including taxes
  • Interest charges
  • Cash advances
  • Dial-a-Draft
  • EMI
  • Balance transfer
  • Purchases

The reward points earned on a transaction will be reversed if EMI facility is availed on that transaction.

Bill payment towards the card account with clearing the Turnaround Time (TAT) may be made in any of the following ways:

1. Axis Bank Internet Banking: Pay your Axis bank credit card bills online through Axis Bank Internet Banking from your Axis Bank Savings account by following the given steps:

  • Log on to Axis bank internet banking website and go to the “Credit Card” section.
  • Select the Credit Card for which payment needs to be done and click on “Pay Now”.
  • Select the account from which you wish to pay and enter the amount to be paid.
  • Click on proceed and make the payment.

2. Axis Bank Mobile Banking: SMS “MBANK” to 5676782 to receive the download link and follow the below steps for Axis bank credit card mobile payments:

  • Login to Axis bank mobile app and go to the “Credit Card” tab.
  • Select the credit card for which the payment has to be done.
  • Click on the “Pay Now” button and select the amount to be paid.
  • Click on “Pay Now” and proceed.

3. Pay at ATMs: Pay your Axis bank credit card bills using your Axis bank ATM/Debit card at any Axis Bank ATM by following the given steps:

  • Insert your Axis Bank ATM/Debit card at any Axis Bank ATM and select the “Other Services” option.
  • Select “Bill Payment” option within other services and enter your credit card number twice to validate your card.
  • You will be able to see the ‘Total Amount Due’ and ‘Minimum Amount Due’ on the ATM screen after your card has been validated.
  • Enter the amount to be paid.
  • The account linked to the ATM/Debit card will get debited and the equivalent amount will be credited in your credit card account.

Turnaround Time (TAT) for clearance is done on the same day.

4. Auto Debit: You can apply for the Auto Debit facility from your Axis bank savings/current account to pay the Total Amount Due or Minimum Amount Due by following the given steps:

  • Login to your Axis Bank Mobile Application.
  • Go to Services > Credit Card > Auto Debit Payment.
  • Select the credit card for which you want to set up the Auto Debit facility and enable Auto Debit.
  • Login to Axis Bank Internet Banking.
  • Go to Services > Credit Card Services.
  • Select the credit card for which you want to set up the Auto Debit facility.
  • Select More Services > Auto Debit Setup > Activate.

5. Non-Axis Bank Account: You can pay your Axis Bank credit card bill through the billdesk website. Click here to get redirected to the bill paying site and follow the steps:

  • Enter your 16-digit Axis Bank credit card number the amount to be paid.
  • Select the bank account from which you wish to make the payment and you will be redirected to the payment interface of your bank.
  • Enter the required details and confirm the payment amount.
  • Your account will get debited and you will receive an online transaction confirmation and a Transaction Reference Number.

6. Cash payment: Pay your Axis Bank credit card bill via cash by visiting your nearest Axis Bank Branch. You will be charged a service fee of Rs 100 per payment. Turnaround Time (TAT) for clearance is done on the same day.

7. Cheque/Draft payment: Pay your Axis Bank credit card bill via cheque/draft by choosing the amount to be paid, drawing the cheque/draft in favor of “Axis Bank Card Number (16-digit credit card number)” and dropping the cheque at any Axis Bank Branch. You can also drop the cheques in any of the MINC bill boxes in Mumbai. Be aware of the fact that:

  • The cheque is dropped at least 5 days before your due date.
  • The cheque is drawn on a local bank.
  • The cheque is not post-dated.

Turnaround Time (TAT) for clearance of Axis Bank cheque: 1 working day

Turnaround Time (TAT) for clearance of Non-Axis Bank cheque: 3-5 working days based on realization

8. National Electronic Funds Transfer (NEFT): You can pay your Axis bank credit card bills online from any other bank account through the NEFT facility by following the below steps:

  • Login to the internet banking facility of the bank account of your choice and select its NEFT option.
  • Enter the following information correctly while transferring funds via NEFT

    Beneficiary Name

    Name as on the Credit Card

    Beneficiary Bank Name

    Axis Bank

    Beneficiary Branch Name

    Mumbai

    Beneficiary Account Number

    Your 16-digit Credit Card number

    IFSC Code

    UTIB0000400

Turnaround Time (TAT) for NEFT clearing: 1 working day

9. Immediate Payment Service (IMPS): You can pay your credit card bill on the go through your bank’s mobile application with IMPS by following the given steps:

  • Login to your mobile banking application.
  • Choose the IMPS payment option and enter the details as given below
    • Merchant details (P2M)
    • Mobile number – 9619919900 (Unique and dedicated number to be used for Axis Bank credit card payment)
    • MMID – 9211400 (Unique and dedicated MMID number)
    • Payment amount
    • Payment reference – 16-digit Axis Bank credit card number

Turnaround Time (TAT) for clearance is on the same day.

10. Visa Money Transfer: You can use your Net Banking facility or your Visa Debit card to make your Axis Bank credit card payment via the Visa Money Transfer. Contact your bank’s Customer Service to know more about it.

Turnaround Time (TAT) for clearance: 2 working days

TERMINATION / REVOCATION OF AXIS BANK CREDIT CARDS

You may terminate your Axis Bank Vistara Credit Card membership any time you wish with or without giving prior notice by returning your cards to the bank cut in half with a written request to terminate all the facilities and benefits associated with the card. You are also required to mention your card number, name, address and contact details in your cancellation letter. But do not mention sensitive information like your card’s CVV number and PIN number.

You can cancel the use of add-on cards by notifying the bank in writing, but you will remain liable for all the charges incurred by the use of the add-on cards. Termination will be effective only after the receipt of the cut cards and payment of all amounts outstanding to the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.

Upon cancellation of the card you:

  • Must not use the card and cut the card into two halves through the magnetic strip and return the cut card to the bank.
  • Are responsible for any usage of the card including payment of charges until the card is returned to the bank cut into two halves through the magnetic stripe.
  • Must continue to make payments to the bank in accordance with the conditions of use.

Things to be sure of before you cancel your credit card

  • Payment of outstanding/dues: Before cancelling your credit card, make sure that your account balance is zero and all your outstanding balance has been paid. Also remember that all EMIs on your credit card has to be closed. If you initiate the process of cancellation without paying all your dues, the bank will notify you via a call or an e-mail on your registered mobile number or e-mail id. The cancellation process will not move forward if all dues have not been payed and the account balance is not zero. For credit cards issued on Fixed Deposits, the lien on the Fixed Deposit can be removed only after the entire outstanding on the card are cleared.
  • Stop or switch any automatic payment: If your card is being used to make automatic payments, then either cancel them or switch them to other cards or other payment methods. Check the date at which the automatic payment is scheduled to ensure that it will not go through before you cancel your credit card.
  • Check for fraudulent transactions: You should check your credit card statement carefully for any fraudulent transactions. If you notice any fraudulent transactions in the statement after the closure of your credit card, then it might be difficult to get a refund of those transactions.
  • Redemption of Reward Points: The reward points will expire after 30 days from the date of cancellation of credit card. You are advised to redeem your reward points before that and get great products from HDFC Bank’s reward catalogue. You can also redeem these reward points against discounts on other products and services.
  • Do not use the credit card post cancellation: Once you have raised a cancellation request, you should stop further usage of that credit card as this will stop the cancellation process. The bank terminates the cancellation process for credit cards that have fresh dues on them. The bank will proceed with the cancellation process only once the fresh dues are paid off.

LOSS / THEFT / MISUSE OF AXIS CREDIT CARD

You must notify the 24-hour call center immediately if your credit card has been misplaced, lost, stolen, mutilated, not received when due or if you suspect that your card is being used without your permission. If you find your card after you report it as lost, it should not be used under any circumstance. When your primary card is reported as lost, the add-on cards are rendered invalid as add-on card is an extended facility given on your primary card. Similarly, if the add-on cards are reported as lost, all the add-on cards as well as the primary card account will be rendered invalid.

In addition to notifying the AXIS Bank about the loss or theft of the card, you must also report the loss or theft of your card to the police, lodge a FIR and provide acknowledged copy of the police complaint.

You will be liable for all losses in case of misuse of the card by someone who obtained the PIN or the card with your or an additional card member’s consent.

You will be liable for all the losses if you have acted fraudulently or if you have acted without reasonable care.

You could avail an optional insurance product, at your own discretion, to cover the liability arising in the event of any fraudulent transactions on your credit card.

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