Axis Bank is one of the leading private-sector banks in India, offering a wide range of credit cards that cater to various customer needs, whether you’re looking for cashback, rewards, travel benefits, or premium lifestyle perks. The process of applying for an Axis Bank credit card is relatively straightforward, but understanding the eligibility criteria, required documentation, and the steps involved can make the process smoother and quicker.
In this detailed guide, we will cover everything you need to know about applying for an Axis Bank credit card.
Types of Axis Bank Credit Cards
Axis Bank offers an extensive range of credit cards, each designed to meet the different financial needs and preferences of their customers. Some of the popular types of Axis Bank credit cards include:
- Axis Bank ACE Credit Card – Ideal for earning cashback on everyday spends, particularly for digital payments.
- Axis Bank Vistara Signature Credit Card – Best for frequent travelers with exclusive air miles and travel benefits.
- Axis Bank Privilege Credit Card – Great for those who seek luxury travel and lifestyle benefits.
- Axis Bank Miles & More Credit Card – Perfect for those who often travel internationally and want to earn miles for flights.
- Axis Bank Select Credit Card – Premium credit card offering various perks, including access to lounges and concierge services.
- Axis Bank Insta Easy Credit Card – An instant approval credit card with low documentation requirements, perfect for first-time users.
Each card has its unique set of features and benefits, and it’s important to choose one based on your lifestyle and spending habits.
Eligibility Criteria for Axis Bank Credit Cards
Before applying for an Axis Bank credit card, you must ensure that you meet the eligibility requirements. While these may vary slightly depending on the type of card, below are the general guidelines.
1. Age Requirements
- Primary Applicant: The minimum age for applicants is usually 21 years, and the maximum age is 60 or 65 years, depending on the card type.
- Supplementary Cardholder: For additional cards, the minimum age is typically 18 years.
2. Income Requirements
- Axis Bank offers credit cards to both salaried and self-employed individuals. The income requirement may vary depending on the type of card:
- Salaried Individuals: The monthly income required could range between ₹20,000 and ₹50,000 or more, depending on the card.
- Self-Employed Individuals: The annual income should generally be ₹4,00,000 or more for premium cards.
- For entry-level cards like the Axis Bank Insta Easy, the income requirement can be lower.
3. Credit Score
- A good credit score (usually above 750) significantly improves your chances of getting approved for an Axis Bank credit card. If your score is lower, Axis Bank may still approve your application, depending on your overall financial profile.
4. Employment Status
- Applicants must be either salaried or self-employed with a stable income source. Axis Bank may also consider your existing relationship with the bank when evaluating your application.
5. Residential Status
- You must be a resident of India to apply for most Axis Bank credit cards. Non-Resident Indians (NRIs) can apply for certain Axis Bank credit cards designed specifically for NRIs.
Documents Required for Axis Bank Credit Card Application
When applying for an Axis Bank credit card, you will need to submit the following documents. These are required to verify your identity, address, and income, as well as your eligibility.
1. Proof of Identity
- Government-issued photo IDs, such as:
- Aadhaar Card
- Passport
- PAN Card
- Voter ID
- Driver’s License
2. Proof of Address
- Documents such as:
- Aadhaar Card
- Passport
- Utility Bills (electricity, water, gas) from the last 3 months
- Bank Account Statement (last 3-6 months)
- Rent Agreement (if applicable)
3. Proof of Income
- For salaried individuals:
- Latest salary slip (usually for the last 3 months)
- Bank statement (last 3-6 months)
- For self-employed individuals:
- Income Tax Return (ITR) for the last 2 years
- Audited financial statements (Profit & Loss account, Balance Sheet)
4. Photograph
- A recent passport-sized photograph (typically two copies).
5. Other Documents (if applicable)
- Existing Axis Bank Customers: You may be asked to provide your Axis Bank account details.
- NRIs: Additional documents such as a valid visa or work permit may be required.
How to Apply for Axis Bank Credit Card
Axis Bank offers several ways for you to apply for a credit card, with both online and offline options available. Below is a step-by-step guide to help you apply for your Axis Bank credit card.
1. Online Application (Via Axis Bank Website)
The easiest and fastest way to apply for an Axis Bank credit card is through their official website. The online process is simple, secure, and can be done from the comfort of your home.
Step-by-Step Guide:
- Visit the Axis Bank Website:
- Go to the official Axis Bank website (www.axisbank.com).
- Navigate to the Credit Card Section:
- Find the “Credit Cards” section from the homepage and select “Apply Now” for the card of your choice.
- Choose Your Card:
- Browse through the available credit card options, read their features and benefits, and choose the one that best fits your spending habits.
- Fill Out the Application Form:
- Enter your personal details such as your name, email, date of birth, residential address, employment details, and income information.
- Upload Documents:
- Upload scanned copies of the required documents such as your identity proof, address proof, income proof, and a photograph.
- Review and Submit:
- Review your application carefully to ensure all the details are correct. Once satisfied, click “Submit.”
- Track Your Application:
- After submission, you will receive an application reference number. You can track the status of your application through the Axis Bank website or mobile app.
Advantages of Online Application:
- Instant application submission and processing
- Convenient and available 24/7
- Ability to track your application status in real-time
2. Offline Application (Via Axis Bank Branch)
If you prefer to apply for a credit card in person or are not comfortable with online applications, you can visit your nearest Axis Bank branch and apply in person.
Step-by-Step Guide:
- Visit an Axis Bank Branch:
- Find the nearest Axis Bank branch and go to the customer service desk or the credit card section.
- Request a Credit Card Application Form:
- Ask for a credit card application form. You can also download the form from the Axis Bank website and bring it to the branch.
- Fill Out the Application Form:
- Complete the form with all the necessary details like your name, contact information, income details, and the type of card you’re applying for.
- Submit Your Documents:
- Along with the completed application form, submit your documents (ID proof, address proof, income proof, etc.) as per the requirements.
- Wait for Processing:
- Once you submit the form and documents, Axis Bank will process your application. If approved, your credit card will be delivered to your registered address within 7-10 business days.
3. Apply Via Axis Bank Customer Care
If you prefer applying over the phone, Axis Bank’s customer care service can assist you with the credit card application process. You can call 1860-419-5555 or 1860-500-5555 to speak with a representative who will help you apply.
How Long Does it Take for Axis Bank Credit Card Approval?
- Processing Time: The processing time for an Axis Bank credit card application typically takes between 7 to 10 business days. This includes document verification and credit evaluation.
- Approval and Delivery: Once approved, the credit card is usually delivered to your registered address within 7 to 10 business days. You will receive a communication from the bank regarding the status of your application.
You can track your application status online by using the reference number provided or by calling Axis Bank customer support.
Important Tips to Increase Your Approval Chances
- Maintain a Good Credit Score: A credit score of 750 or higher increases your chances of approval.
- Provide Accurate Information: Ensure that the information provided in the application form is accurate and complete.
- Ensure Valid and Clear Documents: Submit clear and valid documents to avoid delays.
- Choose the Right Card: Choose a card that fits your income level and spending habits to increase your chances of approval.
Conclusion
Applying for an Axis Bank credit card is a simple and convenient process, whether you choose to apply online, offline, or through customer support. By ensuring that you meet the eligibility criteria, providing the necessary documentation, and following the application steps, you can improve your chances of getting approved.
With a wide variety of credit cards catering to different customer needs, Axis Bank offers something for everyone, whether you’re looking for cashback, travel benefits, or luxury lifestyle perks. Choose the card that suits you best and apply today to start enjoying its benefits.