Best Axis Bank Credit Cards 2024
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Axis Bank, being one of India’s biggest private banks, has competitive credit cards that cater to all kinds of users. We analyzed top credit cards offered by the bank to see which ones offer some of the strongest benefits and features. From basic credit cards to premium credit cards concentrating on providing a luxurious experience to the users, Axis Bank has a wide range of credit cards.
Forbes Advisor went through the range of credit cards offered by Axis Bank and has now brought some of the best cards for its reader.
- Featured Partners
- Best Axis Bank Credit Cards 2024
- Axis Bank ACE Credit Card
- Flipkart Axis Bank Credit Card
- Axis Bank Neo Credit Card
- Axis Bank My Wings Credit Card
- Axis Bank Select Credit Card
- Summary of The Best Axis Bank Credit Cards 2024
- Methodology
- Types of Axis Bank Credit Cards
- Eligibility for Axis Bank Credit Card
- Documentation:
- Documents Required for Axis Bank Credit Card
- How to Apply for an Axis Bank Credit Card Apply Online?
- How to Apply for an Axis Bank Credit Card Offline?
Featured Partners
1
SimplyCLICK SBI Credit Card
Annual Fee
INR 499+ taxes
Welcome Gift
INR 500 worth e-gift card from Amazon
Features
1% Fuel Surcharge Waiver on transactions between INR 500 and INR 3000, Get e-Vouchers worth INR 2000 for annual online spends of 1 Lakh
2
HSBC Cashback Credit Card
Annual fees
INR 999 (which will be reversed if the total annual spend exceeds INR 200,000)
Cashback features
10% accelerated cashback on dining, food delivery and grocery spends (up to INR 1000 per billing cycle); 1.5% unlimited cashback on other spends* (exclusions apply)
Other benefits
4 complimentary domestic lounge visits per year (1 visit per quarter)
3
IndusInd Bank Legend Credit Card
Annual Fee
INR 9,999 + GST
Welcome Benefits
Complimentary Stay at Oberoi Chain of Hotels.
Features
Free Movie Tickets on BookMyShow, 2x Rewards on Weekend spends, Access to 700+ lounges worldwide
4
AU Bank Altura Plus Credit Card
Annual Fee
499 + applicable taxes
Welcome Benefits
Gift vouchers
Features
1.5% Cashback on all POS retail spends, 1% Fuel Surcharge Waiver on transactions between INR 400 and INR 5,000.
5
Standard Chartered Rewards Credit Card
Rewards
4 reward points* per INR 150 on all retail spends (excluding government, insurance and fuel spends)
Joining Fees
Nil (2nd year onwards the annual fees will be reversed on spends of INR 3,00,000+ in the previous year)
Fuel Surcharge Waiver
Upto 1% Fuel Surcharge waiver (terms and conditions apply)
Best Axis Bank Credit Cards 2024
Axis Bank ACE Credit Card
Annual Fee
INR 499
Annual Fee Spending Waiver
INR 2 lakh
Welcome Benefits
Scratch card
Annual Fee
INR 499
Annual Fee Spending Waiver
INR 2 lakh
Welcome Benefits
Scratch card
This card gives a 5% cash back on the payment of bills through Google Pay and the best part is that there is no upper limit or lower limit to it.
You also get a scratch card while using Google Pay where you can win extra cash. There is a 4% cash back again without any cap on Ola, Zomato, Swiggy and 2% cash back on any other payment that you make with this card.The credit card annual fee is quite low in comparison to the facilities it offers.
- There is no cap on cash back
- Low annual fee
- Cashback percentage is good
- Airport lounge available
- No welcome benefits (as the yearly fee is very nominal)
Welcome Benefits:
Subscribers get a scratch card while using Google Pay where you can win extra cash.
Ongoing Benefits:
- There is a 5% cash back on the payment of bills, like electricity, gas, DTH, Mobile recharge, etc.
4% on Swiggy, Zomato, Ola. - 2% on any other kind of spend.
- Four lounge visits in select domestic airports in India in a year.
- Surcharge waiver of 1% on all fuel transactions between INR 400 to INR 4,000 to the maximum.
of INR 500 per statement cycle (no cashback on fuel transactions). - 20% discount at partner restaurants in India.
- Convert purchases to equated monthly installments (EMI).
Flipkart Axis Bank Credit Card
Annual Fee
INR 500 + taxes
Key Feature
Discounts, Cash back
Welcome Benefits
Multiple
Annual Fee
INR 500 + taxes
Key Feature
Discounts, Cash back
Welcome Benefits
Multiple
The Flipkart Axis Bank Credit Card has a number of welcome benefits and you can realize your fee for the card just by those welcome benefits. There is not much difference between this card and Axis Bank ACE Card technically but in the number of welcome benefits. A 20% discount on dining is also great. The most appealing part is unlimited cash back.
- Exciting welcome benefits available.
- They give a 5% cash back on spends with partners and 4% on preferred merchants and 1.5% on other purchases which is good.
- There is no upper limit and lower limit of purchase on gaining cashback.
- Connecting people with local retail stores is something innovative.
- Remission amount on annual fees is a little high.
- There is just 1.5% cash back on purchases from non-partners.
- The annulment spent for the fee is INR 2 lakh, which is steep.
Waiver on Annual Fee: No annual fee on spending INR 2 lakh in a year
Welcome Benefits:
- INR 500 worth Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit cards.
- Get 15 months Gaana plus at a discounted price of INR 399.
- 20% off up to INR 500 on The Phy Life.
- 20% off up to INR 500 on Plum Goodness.
- 15% cashback up to INR 500 on your first transaction on Myntra using Flipkart Axis Bank credit card.
Ongoing Benefits:
- 5% cash back on Flipkart 2GUD and Myntra.
- 4% cashback on preferred merchants including PVR, Swiggy, Uber, Cure.fit.
- 1.5% cash back on all other categories, which implies all purchases.
- Four domestic airport lounge visits in one calendar year.
- 1% fuel surcharge waiver on all petrol pumps in India between INR 400 and INR 4,000 to the maximum of INR 500 only.
- 20% discount on food in partner restaurants.
Axis Bank Neo Credit Card
Annual Fee
INR 250 + 18% GST
Annual Fee Spending Waiver
INR 2 lakh
Welcome Benefits
Vouchers and subscription
Annual Fee
INR 250 + 18% GST
Annual Fee Spending Waiver
INR 2 lakh
Welcome Benefits
Vouchers and subscription
This is one of the cheapest credit cards and can be used for dining out, ordering food and paying bills.
It provides a 40% discount on Zomato which is phenomenal. This card can be used by people who do not have large amounts of money to be paid as bills or large quantities of food to be ordered as there is a cap on discount. It can be considered best for small families, singles, and students.
- 40% discount on Zomato.
- Simple to use because of the cashback feature.
- There is a cap on the amount one can get as a discount (can be considered fair keeping in mind the low annual fee it charges).
- For ordering stuff from Zomato there will be no free delivery.
Welcome Benefits:
- INR 250 worth Amazon gift voucher.
- 3 months Zomato Pro subscription.
- INR 250 worth Grofers voucher.
- 6 months subscription of 1mg.
Ongoing Benefits:
- 40% off on Zomato, maximum discount INR 120 on per order (Minimum order of INR 200).
- 5% cashback on utility bill payments via Paytm, maximum cashback INR 150 per month.
- 10% off on Grofers and Myntra, up to INR (250, valid once per month).
- 10% off on movie tickets through BookMyShow with maximum monthly benefit of INR 100.
- EDGE reward points on every transaction and use them to redeem 500+rewards. Earn 1 point on every INR 200 spent.
- 15% at partner restaurants.
- Convert purchases to EMIs.
Axis Bank My Wings Credit Card
Annual Fee
INR 1,200 + 18% GST for the first year, and INR 500 + GST second year onwards.
Annual Fee Spending Waiver
INR 2 lakh 40 thousand
Welcome Benefits
Nil
Annual Fee
INR 1,200 + 18% GST for the first year, and INR 500 + GST second year onwards.
Annual Fee Spending Waiver
INR 2 lakh 40 thousand
Welcome Benefits
Nil
This card is to facilitate traveling and it provides discounts in airfare and hotel booking. The best part is that like many other credit cards in the same segment it is not attached to a particular company or airlines but can be used to purchase tickets from any of the companies in the domestic market.
- Unlimited access to domestic airport lounges.
- Card provides a discount on booking flights from all the companies which is quite rare.
- Fuel surcharge waiver.
- It provides discounts only in domestic flight bookings.
- It provides access to domestic airport lounges only.
Ongoing Benefits:
- 2 complementary base fare flight tickets.
- Up to 20% discount on bare fare domestic flight.
- INR 200 maximum annual benefits per cardholder on ticket booking on www.irctc.com.
- INR 10,000 worth hotel and holiday vouchers.
- INR 100 cashback on booking bus tickets on www.ezeego1.com.
- INR 400 cashback on booking rental cars on www.ezeego1.com.
- 4 EDGE reward points on every INR 200 spent.
- 15% at partner restaurants.
- Unlimited domestic airport lounge visits.
- Annual Fee Spending Waiver on spending INR 2 lakh 40 thousand in one year.
Other Features
Axis Bank Select Credit Card
Annual Fee
INR 3000
Annual Fee Spending Waiver
INR 6 lakh
Welcome Benefits
Amazon voucher
Annual Fee
INR 3000
Annual Fee Spending Waiver
INR 6 lakh
Welcome Benefits
Amazon voucher
This card has been given the look of a premium credit card with a lot of add-on facilities which come with premium cards like insurances of various kinds. This card is basically facilitating shopping from BigBasket and Swiggy offering a handsome discount. The facility known as Dining Delight providing a 20% discount in partner restaurants is also appealing.
- Insurance of various kinds available.
- Fuel surcharge waiver available.
- Free golf games.
- Facility of concierge.
- One will have to buy 2 tickets to get a discount on BookMyShow in order to get the discount.
- Minimum purchase cap on purchase made from BigBasket.
Welcome Benefits:
- Amazon voucher worth INR 2,000.
Ongoing Benefits:
- 20% off once in a month up to INR 500 on a minimum purchase of INR 2000 from BigBasket.
- 40% off up to INR 200 on Swiggy.
- Buy a ticket and get up to INR 300 discount on another one on BookMyShow(one will have to buy two tickets at the same time, once a month).
- Complimentary priority pass membership with 6 complimentary international lounge visits in a year.
- 5000 EDGE points on spending INR 3 lakhs.
- 10 EDGE points on spending INR 200.
- 2X EDGE points on spending INR 200 on retail.
- 6 complimentary golf rounds in a year, and one gets 3 additional visits on spending 3 lakh annually.
- Dedicated concierge desk available 24X7.
- Offers to spend weekends in collaboration with extraordinaryweekends.com.
- 20% discount in partner restaurants.
- 1% fuel surcharge waiver between 1%, between the transactions of INR 400 and INR 4,000 to the maximum of INR 400 in a statement cycle.
Insurance Covers:
- Air Accident (Up to INR 2.5 crore)
- Purchase Protection (INR 1 lakh)
- Credit Shield (INR 1 lakh)
- Lost Travel Document $300
- Baggage Delay $300
- Baggage Loss 500
Summary of The Best Axis Bank Credit Cards 2024
Methodology
We analyzed 26 credit cards issued by the Axis Bank and selected the best among them based on some basic criteria:
- Value for money: This was the most important factor that has been taken into consideration. The cards that provide maximum benefits made it to our list.
- Cash back: Half a star to credit cards providing cash backs and half a star where the system of credit is not complicated and easy for the customers to understand.
- Annual Fee and joining fee: Half a star to credit cards without any annual fee and half for no joining fee. Any credit card without any annual fee and joining fee will get a full star, but a joining fee of INR 500 has been considered equivalent to no annual fee.
- Availability for all income groups: Half a star if the services of the credit card are available for all income groups, and another half if services extend to multiple geographies and not just major cities.
- Welcome gifts: Half a star for welcome gifts and half a star for easy usage of those gifts. Here if the intrinsic value of the usable gift at least covers the annual fee, the credit card will get a full star.
- Additional benefits: Half a star to credit cards providing additional benefits and half to the credit cards in which these additional benefits are more user-friendly. For example, if a card offers a fee waiver to a user who will spend INR 3 lakh in one year, it is unlikely all cardholders may want to spend that much in one year. This makes the feature redundant for certain cardholders.
Types of Axis Bank Credit Cards
There are all kinds of credit cards offered by Axis Bank depending on the needs of the customers:
Cashback Credit Cards
Cards that provide different cashbacks on payments, for example Axis Bank Ace Credit Card.
Life Time Free Credit Cards
Cards where users do not have to pay an annual fee and the joining fee is not charged, for example to their customers in ongoing offers Axis Bank offers a lot of their credit cards as lifetime free credit cards.
Co-Branded Credit Cards
Cards launched by Axis Bank in collaboration with a particular company providing discounts on purchase of goods and services from that company, like Flipkart Axis Bank Credit Card.
Reward Points Credit Cards
Cards providing reward points on spending money, for example Axis Bank AURA Credit Card.
Travel Credit Cards
Cards that have been launched in collaboration with travel companies providing discounts in traveling related things, like airline tickets, hotel booking, etc. for example Axis Bank Vistara Signature Credit Card.
Fuel Credit Cards
These credit cards are a result of the collaborations between oil companies and Axis banks. Facilitating fuel purchase by giving reward points and cashback, for example IndianOil Axis Bank credit card.
Premium Credit Cards
These credit cards are expensive credit cards concentrating on the comfort of users and providing discounts on premium services. The example of this card is Privilege Easy Credit Card.
Credit Cards with Credit Lines
These cards provide a credit line to the users, which means that these credit cards will have a pre-approved loan which one can take at the time of need from an ATM without any security or paper work, the example of this card is Axis Bank Insta Easy Credit Car
Eligibility for Axis Bank Credit Card
Following is the eligibility criteria for an Axis Bank Credit Card.
Age:
- Primary cardholders should be between the age of 18 and 70 years.
- Add-on cardholders should be over 18 years
Income:
Required minimum income will depend on the credit card, there are credit cards like Axis Bank Flipkart Credit Card there is no requirement of having any income, even unemployed people can also apply for it, and there are other credit cards like SELECT Credit Card, where the applicant’s yearly income should be above 9 lakh.
Nationality:
Resident and Non-Resident Indians both can apply.
Documentation:
Following are the documents required for getting a credit card along with a colored picture of the applicant (nowadays pictures are also taken by the agents of the company, either on a web call or personally).
Documents Required for Axis Bank Credit Card
- PAN card photocopy
- Form 60
One of the following as the proof of income
- Latest payslip
- Form 16
- IT return copy as proof of income
One of the following the proof of residence
- Passport
- Ration Card
- Electricity bill
- Landline telephone bill
One of the following for Identity proof
- Passport
- Driving license
- PAN card
- Aadhaar card
How to Apply for an Axis Bank Credit Card Apply Online?
- One can apply online by visiting the official website of Axis Bank.
- Applicants can also visit the sites of the partner website with the links to apply.
- All branches of Axis Bank also have agents to facilitate people who want to apply for credit cards.
One has to go to the official website of the company and select the card of his choice, once the card is selected, on the page where the card has been reviewed there is an option to apply for it, one can click on that. It will give you two options, if you are an existing customer or not.
If you are not, it will ask for your details like phone number and PAN card, if you are an existing customer it will ask for customer id.
After this it will send you an OTP number on your mobile, which you will have to enter in the slot given on the web site. Once you enter the OTP it will ask a few basic questions like work, experience, income, after this you can click on the apply button. If you are not an existing customer you will also have to enter your Aadhar details and other personal details.
Once you have entered your details it will show the credit cards available for you, and select the card. Once you have done that you will get a message on your mobile telling that your application has been accepted. Once an application has been selected the bank will send you an email or SMS confirming if the application has been selected or rejected.
How to Apply for an Axis Bank Credit Card Offline?
You can physically call the bank on their number and apply for the credit card. All the formalities will be carried on by either sending someone to your residence or getting the KYC done on the phone. You can also visit any Axis Bank Branch with the KYC documents mentioned above, and get it opened. It is always advisable to open an account by physically visiting or asking the agent to come to your home. Axis Bank Credit Card Fees & Charges.
Every card is going to have an annual fee and a joining fee. In most of the cases there is no joining fee, though, the term joining fee is used for the annual fee of the first year. So, wherever the word joining fee is used it means the annual fee for the first year. The joining fee in some cases can be different from the annual fee, but in 99% of the cases it is the same.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
