Apply for Credit Card Online

Credit card is your go-to tool for making purchases or paying for services on credit. It is a payment card that provides a credit facility up to a certain limit, which you can repay within a permitted time frame without incurring extra costs. Credit cards can be a great choice for managing your finances smartly, as they offer valuable benefits for mindful spending and timely repayment.

Axis Bank offers a wide selection of Credit Cards designed to meet diverse consumer needs. With our Credit Cards, you can enjoy the convenience of easy access to credit whenever you need it, along with rewards, cashbacks, discounts, and more. Apply for a Credit Card online for instant approval and start enjoying exclusive benefits right away!

Best-selling credit cards - Apply Instantly

Neo Credit Card

• Monthly 2 times – Up to Rs. 120 off* at Zomato
• 5%* off on Utility Bill Payment on AmazonPay
• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0
• Annual Fee: Rs. 0 (Limited Period Offer)

Axis Bank ACE Credit Card

• 5% cashback* on bill payments & recharges on Google Pay
  4% cashback* on Swiggy, Zomato & Ola
  1.5% cashback* on other spends
• 4 Complimentary lounge access at select domestic airports 1% fuel surcharge waiver

• Joining Fee: Rs. 0 (Limited Period Offer)

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600
• Unlimited cashbacks from Flipkart and many more
• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500
• Annual Fee: Rs. 500

Axis Bank MY Zone Credit Card

• Free SonyLiv Premium subscription for 1 year worth Rs. 999
• Monthly 2 times - Flat Rs. 120 off* at Swiggy
• Enjoy our airport lounge access (4 times per year)

• Joining Fee: Rs. 500
• Annual Fee: Rs. 500

Airtel Axis Bank Credit Card

• Amazon eVoucher worth Rs.500 on first card transaction
• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments
  10% cashback on bigbasket, Zomato and Swiggy
• 4 Complimentary lounge visits at select domestic airports 1% fuel surcharge waiver

Explore our wide range of Credit Cards

• Popular Cards
• Featured Cards
• PREMIUM CARDS
• CO-BRANDED CARDS

IndianOil Axis Bank Credit Card

• Now seamlessly Pay with UPI using your credit card
• Up to 1250 EDGE Rewards on 1st fuel transaction
• 4% value back on fuel spends at Indian Oil outlets

Rewards Credit Card

• Milestone benefit of 1,500 EDGE reward points
• Bouquet of membership up to Rs. 1,000 every anniversary year
• 30% instant discounts on Swiggy

• Joining Fee: Rs. 1000
• Annual Fee: Rs. 1000 (waived on spends of INR 2,00,000 in an anniversary year)

Axis Bank Magnus Credit Card

• Choose any one voucher worth INR 12,500 from below options:
• 5X eDGE Reward points on spends via Travel eDGE
• Unlimited lounge accesses

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment
• Earn Upto 3 economy class tickets every year
• Earn 2 CV points per 200 spent

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment
• Earn Upto 4 Premium economy class tickets every year
• Earn 4 CV points per 200 spent

Axis Bank Privilege Credit Card

• 12,500 EDGE RPs redeemable against vouchers worth Rs.2500*
• Get additional 10,000 Edge Reward Points on Spends of Rs 2.5 lakh*

• Joining Fee: Rs. 1500 (NIL for Priority Customers)
• Annual Fee: Rs. 1500

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600
• Unlimited cashbacks from Flipkart and many more
• Enjoy our airport lounge access (4 times per year)

Axis Bank MY Zone Credit Card

• Free SonyLiv Premium subscription for 1 year worth Rs. 999
• Monthly 2 times - Flat Rs. 120 off* at Swiggy
• Enjoy our airport lounge access (4 times per year)

Neo Credit Card

• Monthly 2 times – Up to Rs. 120 off* at Zomato
• 5%* off on Utility Bill Payment on AmazonPay
• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0
• Annual Fee: Rs. 0 (Limited Period Offer)

Axis Bank Select Credit Card

• 10,000 EDGE REWARD Points worth Rs. 2,000
• Flat Rs. 200 off on Swiggy
• Flat Rs 500 off on Big Basket

• Joining Fee: Rs. 3,000 (NIL for Burgundy Customers)
• Annual Fee: Rs. 3,000 (waived on spends of INR 6,00,000 in an anniversary year)

Axis Bank Atlas Credit Card

• Welcome benefits of 2,500 Miles
• Accrue 5X miles per Rs 100 spent on travel
• Converting EDGE Miles to program partner Miles (1 EDGE Mile = 2 Partner Mile)

Axis Bank AURA Credit Card

• Get welcome decathlon OMNI Gift Card worth INR 750
• Earn 2 points per spend of INR 200 and 5x reward points on Insurance
• Get 48 online video doctor consultations free per year, Get 48 interactive fitness video training sessions free per year, Get discount upto INR 500 on health checkup

IndianOil Axis Bank Premium Credit Card

• Earn 6X Miles on fuel spends and 2X miles on grocery spends
• Unlimited fuel surcharge waiver at all IOCL outlets
• 30% on Zomato spends, valid 2X per month

Neo Credit Card

• Monthly 2 times – Up to Rs. 120 off* at Zomato
• 5%* off on Utility Bill Payment on AmazonPay
• 10%* off on BookMyShow and BlinkIt

• Joining Fee: Rs. 0
• Annual Fee: Rs. 0 (Limited Period Offer)

Axis Bank MY Zone Credit Card

• Free SonyLiv Premium subscription for 1 year worth Rs. 999
• Monthly 2 times - Flat Rs. 120 off* at Swiggy
• Enjoy our airport lounge access (4 times per year)

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600
• Unlimited cashbacks from Flipkart and many more
• Enjoy our airport lounge access (4 times per year)

IndianOil Axis Bank Credit Card

• Now seamlessly Pay with UPI using your credit card
• Up to 1250 EDGE Rewards on 1st fuel transaction
• 4% value back on fuel spends at Indian Oil outlets

Rewards Credit Card

• Milestone benefit of 1,500 EDGE reward points
• Bouquet of membership up to Rs. 1,000 every anniversary year
• 30% instant discounts on Swiggy

• Joining Fee: Rs. 1000
• Annual Fee: Rs. 1000 (waived on spends of INR 2,00,000 in an anniversary year)

Axis Bank AURA Credit Card

• Get welcome decathlon OMNI Gift Card worth INR 750
• Earn 2 points per spend of INR 200 and 5x reward points on Insurance
• Get 48 online video doctor consultations free per year, Get 48 interactive fitness video training sessions free per year, Get discount upto INR 500 on health checkup

Axis Bank ACE Credit Card

• 5% cashback* on bill payments & recharges on Google Pay
  4% cashback* on Swiggy, Zomato & Ola
  1.5% cashback* on other spends
• 4 Complimentary lounge access at select domestic airports 1% fuel surcharge waiver

Axis Bank Pride Platinum Credit Card

• Personalised card with shades of Tricolour for defence Personnel
• 4 points with every Rs. 200 spent
• 1200 eDGE Loyalty Reward points every year. Fuel Surcharge waiver

Axis Bank Pride Signature Credit Card

• Personalised card with shades of Tricolour for defence Personnel
• 4 points with every Rs. 200 spent
• 15% discount at restaurants with Dining delights

Axis Bank MY Zone Easy Credit Card

• Contactless enabled secured credit card
• 4 points with every Rs. 200 spent
• 25% cashback on movies.

Privilege Easy Credit Card

• Various Shopping & travel benefits
• 10 points on Domestic/ International spends for every Rs.200 spent
• Shopping or Travel Vouchers* worth Rs.5000 on Activation

Axis Bank Signature Credit Card with Lifestyle Benefits

• Satya Paul Gift Vouchers,15% discount on dining
• 10/20 points for every Rs. 200 spent on Domestic/International spends
• 50% cashback on movie tickets
  Up to 15% discounts on dining

Platinum Credit Card

• A perfect card for movie lovers. Enjoy 25% cashback on movie tickets.
• N.A.
• 6 points on every Rs.200 spent on credit card domestically

Titanium Smart Traveler Credit Card

• A card packed with exciting Travel Benefits to make your journey even more rewarding.
• 8 points with every Rs. 200 spent while travelling abroad
• Fuel Surcharge waiver.

Axis Bank My Wings Credit Card

• Avail two base fare flight tickets complimentary
• 4 points on every Rs. 200 spent on credit card
• Upto 20% cashback on base fare domestic flight bookings

Flipkart Axis Bank Super Elite Credit Card

• 500 Supercoins on card activation
• 12% Supercoins for Flipkart Plus customers and 6% Supercoins for Flipkart Non-Plus customers on Flipkart capped upto transaction value of Rs 2500
  2% Supercoins on all other spends uncapped
  Annual fee waiver on spends greater than 2 Lakh

IndianOil Axis Bank Premium Credit Card

• Earn 6X Miles on fuel spends and 2X miles on grocery spends
• Unlimited fuel surcharge waiver at all IOCL outlets
• 30% on Zomato spends, valid 2X per month

HORIZON Credit Card

• Earn EDGE Miles: Welcome Benefit & Renewal Benefit
• 5 EDGE Miles on every INR 100 spent on Axis Bank Travel EDGE portal and Airline website.
• Enjoy complimentary International & Domestic lounge access

Axis Bank Magnus Credit Card

• Choose any one voucher worth INR 12,500 from below options:
• 5X eDGE Reward points on spends via Travel eDGE
• Unlimited lounge accesses

SpiceJet Axis Bank Voyage Black Credit Card

• Rs. 4,000 worth SpiceJet flight voucher
• Complimentary SpiceClub Gold Membership
• Unlimited SpiceClub Point earn & bonus earn on Milestone & Renewal

• Joining Fee: Rs. 2000
• Annual Fee: 1st Year: Nil, 2nd Year onwards: Rs. 2000

Axis Bank Vistara Infinite Credit Card

• Welcome Benefit – 1 Complimentary Business Class Ticket on joining fee payment
• Earn Upto 4 Business class tickets every year
• Earn 6 CV points per 200 spent

Axis Bank Reserve Credit Card

• Complimentary Airport Concierge Services
• 15000 EDGE points on card activation
• ITC Culinaire, Accor Plus and Club Marriott hotel memberships; 50 golf rounds per year

Samsung Axis Bank Infinite Credit Card

• 30000 EDGE REWARD Points on doing upon 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases, across products & services.

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment
• Earn Upto 3 economy class tickets every year
• Earn 2 CV points per 200 spent

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment
• Earn Upto 4 Premium economy class tickets every year
• Earn 4 CV points per 200 spent

• Joining Fee: Rs. 3000
• Annual Fee: Rs. 3000

Axis Bank Privilege Credit Card

• 12,500 EDGE RPs redeemable against vouchers worth Rs.2500*
• Get additional 10,000 Edge Reward Points on Spends of Rs 2.5 lakh*

• Joining Fee: Rs. 1500 (NIL for Priority Customers)
• Annual Fee: Rs. 1500

Axis Bank Select Credit Card

• 10,000 EDGE REWARD Points worth Rs. 2,000
• Flat Rs. 200 off on Swiggy
• Flat Rs 500 off on Big Basket

• Joining Fee: Rs. 3,000 (NIL for Burgundy Customers)
• Annual Fee: Rs. 3,000 (waived on spends of INR 6,00,000 in an anniversary year)

Axis Bank Atlas Credit Card

• Welcome benefits of 2,500 Miles
• Accrue 5X miles per Rs 100 spent on travel
• Converting EDGE Miles to program partner Miles (1 EDGE Mile = 2 Partner Mile)

Fibe Axis Bank Credit Card

• Up to 3% cashback on every transaction*
• CC on UPI enabled credit card for seamless transactions
• Complimentary domestic Lounge Access basis spends*

Axis Bank Shoppers Stop Credit Card

• Welcome Benefits worth of Rs. 2550
• Earn up to 20 FC Points at Shoppers Stop
• Earn up 2 FC Points on other spends

SpiceJet Axis Bank Voyage Black Credit Card

• Rs. 4,000 worth SpiceJet flight voucher
• Complimentary SpiceClub Gold Membership
• Unlimited SpiceClub Point earn & bonus earn on Milestone & Renewal

• Joining Fee: Rs. 2000
• Annual Fee: 1st Year: Nil, 2nd Year onwards: Rs. 2000

Axis Bank Vistara Infinite Credit Card

• Welcome Benefit – 1 Complimentary Business Class Ticket on joining fee payment
• Earn Upto 4 Business class tickets every year
• Earn 6 CV points per 200 spent

Samsung Axis Bank Infinite Credit Card

• 30000 EDGE REWARD Points on completing 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases, across products & services.

Axis Bank Vistara Credit Card

• Welcome Benefit – 1 Complimentary Economy Class Ticket on joining fee payment
• Earn Upto 3 economy class tickets every year
• Earn 2 CV points per 200 spent

Axis Bank Vistara Signature Credit Card

• Welcome Benefit – 1 Complimentary Premium Economy Class Ticket on joining fee payment
• Earn Upto 4 Premium economy class tickets every year
• Earn 4 CV points per 200 spent

Flipkart Axis Bank Credit Card

• Welcome benefits worth Rs. 600
• Unlimited cashbacks from Flipkart and many more
• Enjoy our airport lounge access (4 times per year)

SpiceJet Axis Bank Voyage Credit Card

• Rs. 1500 worth SpiceJet Flight vouchers on doing 2 transactions in first 30 days
• upto 18 SC Points on credit card spends
• Complimentary 1 year SpiceClub Silver membership upto 6000 Bonus SpiceClub Points as milestone upto 4 complimentary domestic airport lounge access in a year

Airtel Axis Bank Credit Card

• Amazon eVoucher worth Rs.500 on first card transaction
• 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments
  10% cashback on bigbasket, Zomato and Swiggy
• 4 Complimentary lounge visits at select domestic airports 1% fuel surcharge waiver

Samsung Axis Bank Signature Credit Card

• 2500 EDGE REWARD Points on completing 3 transactions within 30 days from card issuance date
• 10% Cashback on SAMSUNG purchases all year around, across products & services. This is in addition to and over & above other all offers

Miles and More Axis Bank Credit Card

• Welcome Award Miles of 15,000 on the World Select and 5000 Miles on the World Card
• 6/4 Award Miles per Rs. 200 on the World Select and World variant respectively on all eligible transactions Complimentary Priority pass membership and visits for lounge

Axis Bank Freecharge Credit Card

• Now get a virtual card instantly on your Freecharge Application
• 1 Point for every Rs. 200 Spent
• Bonus eDGE Rewards on crossing monthly thresholds of Rs.2000 and Rs.5000

Axis Bank Freecharge Plus Credit Card

• 5% on Freecharge Spends, 2% on Ola/Uber/Shuttle and other local transport, 1% on all other spends
• Annual Fee waiver on spends of Rs.50,000 in an anniversary year

LIC Axis Bank Signature Credit Card

• Earn 2X Rewards on LIC Premium payments and foreign currency transactions
• Earn 1X Rewards on every spend except Fuel, Wallet and EMI
• Upto 8 complimentary domestic airport lounge access per year
  1% fuel surcharge waiver

LIC Axis Bank Platinum Credit Card

• 2X benefits on LIC Premium payments and foreign currency transactions
• Earn 1X Rewards on every spend except Fuel, Wallet and EMI
• 1% fuel surcharge waiver

Do's And Don'ts For Credit Cards

Follow these guidelines to avoid high-interest debt and enjoy secure payments, cashless transactions, rewards and cashback offers with Axis Bank Credit Cards.

Do's when using
Credit Cards

Don'ts when using
Credit Cards

Do's when using Credit Cards

Choose Wisely

Axis Bank offers a range of credit cards designed to cater to your varied interests and requirements. Research thoroughly, considering factors such as prevailing interest rates, additional fees, the limit on your credit card, rewards, cashback and other offers tailored to your spending habits before making a decision.

Mind the Terms

Before applying, understand the terms and conditions. Some cards have no annual fees, while others waive fees based on spend thresholds. Be aware of first-year waivers and subsequent charges.

Stay Updated

Stay informed about any credit card interest rate changes from your bank, and track your payments accordingly.

Full Repayment

Aim to clear your entire credit card balance each month. This cultivates responsible spending habits and contributes to a positive credit score.

EMI Option

If unable to pay in full, convert transactions into EMIs for regular repayment, saving on interest and penalties.

Utilization Ratio

The percentage of credit that you use out of your total available credit is called the Utilization Ratio. It is advisable to keep credit utilization at 30-40% of the limit for a favorable credit report.

Payment Monitor

Secure your card

Report your fraud

Don'ts when using Credit Cards

Mindless Spending

Minimum Repayments

Excessive Applications

Uncontrolled Usage

Cash Withdrawal

Useful Credit Card Links

How to choose the best Credit Card?

The best way to choose your credit card depends on understanding your spending pattern in terms of where you spend the most of your income, and where you are likely to spend more. Is it shopping, dining, entertainment, fuel, travel or a combination of these categories? The ideal or best credit card for you therefore would be the one that is tailored to your requirements in terms of your spending habits, lifestyle goals and the credit limit you are seeking. The ultimate aim is to optimise available rewards and benefits while also considering applicable fees and interest rates.

If you are a first time credit card holder, consider the following factors before choosing your credit card:

• Monthly expenses:
  Choose a credit card whose limit is close to your monthly expenses. If you have a lower credit limit, prioritise only the payments which should be made through your credit card.
• Rewards & Points:
  You could also select a credit card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
• Card control:
  Choose the card issuer based on how easy it is to manage the credit card especially on the mobile app or website. You should be able to manage spend limit, international usage, set the PIN, view payment history & statements, block & replace card, among other features
• Card offers:
  Apart from offers from brands and merchants, card issuers also offer other benefits such as converting spends into EMIs, availing instant loans, upgrading card limit, getting an add-on card for your family members, and much more
• Card fees and charges:
  Credit cards will have slightly different interest rates depending on the issuer that offers the card. Therefore, always compare the fees and interest rates before you choose a credit card.

Credit Card Eligibility Criteria

If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors:

1. Age – Primary cardholder should be between the age of 18 and 70 years

2. Income – this could vary depending on the card variant you choose and

3. Residential status – the individual should either be a resident of India or a non-resident Indian

Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card. Please note that these criteria are only indicative and the bank reserves the right to approve or decline applications for its credit cards

Documents required to apply for an Axis Bank Credit Card

While applying for a credit card, you will need to share a few documents as under:
1. Age and Residential proof: PAN card, Aadhaar card, Passport or Driver’s license
2. Income proof: Salary slips or Income Tax Returns

Fees and charges

Credit Cards have certain fees that you must be aware of. These may vary depending on the card variant you hold. Some common credit card fees are joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc. Do check the fees when selecting a credit card.

Things to know before applying a Credit Card

If you are a first time credit card holder or are planning to apply for one, here’s what you should know before choosing your credit card:

1. Monthly spends:
   Select a credit card whose credit limit aligns closely with your monthly spending.
2. Maximising benefits:
   Reap maximum benefits by choosing a credit card that offers certain additional benefits such as cashback and discounts on your purchases or complimentary access to airport lounges.
3. Credit card eligibility:
   If you have applied for an Axis Bank Credit Card, your eligibility will depend largely on the following factors: 1. Age 2. Income 3. Residential status (whether you are an Indian resident or NRI).
   You will have to show documents as proof of the above mentioned eligibility conditions.
   Documents required will include - Age and Residential proof (PAN card, Aadhaar card, Passport or Driver’s license), income proof (Salary slips or Income Tax Returns).
   Additionally, the bank may also look at your credit score and credit history to determine if you are eligible for a credit card.
4. Fees and Charges:
   Credit Cards have certain fees that vary depending on the card variant you hold. Some common credit card fees include joining fees, annual fees, late payment fees, over-limit penalties, cash withdrawal fees, rent transaction fees, foreign currency transaction fees, etc.
5. Interest Rates:
   If you repay your credit card dues in full every month, before the due date, then you don’t have to pay an interest rate on your credit card outstanding amount. But if you carry forward any amount of your credit card due, then you do incur an interest rate on the pending amount. This interest rate on credit cards is typically between 3% and 4% monthly.

How can I apply for a Credit Card online?

Follow the below mentioned steps to apply for an Axis Bank credit card online: Website:

1. Go to Axis Bank's official website and click on the 'Credit Cards' tab.
2. You will see a list of credit cards mentioned.
3. Select the credit card of your choice and click on “Apply Now”. You will be taken to the credit card online application form.
4. You will be asked to fill in information w.r.t. identification and eligibility criteria. Type the details asked for in the form and click on Submit.

Mobile App:
Steps to apply for credit card using Axis Bank mobile app: 1. Login to your Axis Bank mobile app. 2. Under the Products section, click on Credit cards 3. Click on Apply Now

Tips to manage your Credit Card expenses

If you are a first time credit card holder or are planning to apply for one, here’s what you should know before choosing your credit card:

Tips to help you manage your credit card expenses better: