✦ Axis Bank · EDGE Rewards · Official Guide 2026
Best Axis Bank Credit Cards in India – Features, Benefits, Fees & Apply Online
Axis Bank offers India's most rewarding credit cards — from the legendary Magnus with unlimited lounge access to the popular ACE cashback card. Compare every Axis card, check free eligibility, and apply instantly at MyBankingTips.
Axis Bank Credit Cards — India's EDGE in Rewards
Axis Bank is one of India's fastest-growing private sector banks with a credit card portfolio that is widely regarded as the most rewarding in the industry. The Axis Magnus, Axis ACE, Axis Flipkart, Axis Neo, and Axis Vistara cards are among India's most popular and highest-rated credit cards. At MyBankingTips, you can compare all Axis Bank credit cards, check your eligibility instantly, and apply online without impacting your CIBIL score.
Axis Bank, India's third-largest private sector bank, has built a strong reputation in credit cards through its innovative EDGE Rewards programme, which allows cardholders to earn and redeem reward points across the widest range of options in India. Axis credit cards are particularly known for their lucrative welcome bonuses, milestone rewards, and premium travel benefits.
Whether you want unlimited airport lounge access with the Magnus card, 5% cashback on all bill payments with ACE, flat 5% on Flipkart and Myntra shopping, or free Vistara Club upgrades on every spend — Axis Bank has a card crafted precisely for your lifestyle. Our experts have reviewed every Axis card to help you choose wisely.
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Key Highlight: The Axis Bank Magnus Credit Card is consistently ranked as one of India's top 3 travel credit cards, offering unlimited domestic + international lounge access, 12 EDGE Reward Points per ₹200 spent, and one of the highest mile transfer rates to airline programmes in India.
Top Axis Bank Credit Cards in India 2026
Here are the best-rated Axis Bank credit cards across travel, cashback, shopping, co-brand, and premium segments:
AXis Card
Google Pay Flex Axis Bank Credit Card
4.0/ 5
Reward
Entry-Level
Rewards
- Earn 2X stars on meeting minimum spend of Rs. 100 in the previous cycle
- Earn 4X stars when monthly spends exceed Rs. 15,000
- Earn 8X stars when monthly spends exceed Rs. 30,000
Apply Now →
AXis Card
Axis Magnus Credit Card
0.5/ 5
Rewards
- Enjoy unlimited domestic and international lounge access with 4 complimentary guest visits
- Earn up to 60 EDGE Reward points per ₹200 spent
Apply Now →
AXis Card
Axis My Zone Credit Card
0.5/ 5
Dining
Entertainment
Online Shopping
Rewards
- Enjoy Buy One Get One free on movie tickets via District App
- Get complimentary SonyLIV membership for 1 year
Apply Now →
AXis Card
Axis SELECT Credit Card
4.0/ 5
Reward
Airport Lounge Access
Rewards
- Get discounts on Swiggy, BigBasket, and District apps
- Complimentary lounge access worldwide
Apply Now →
AXis Card
Axis Atlas Credit Card
4.0/ 5
Travel
Reward
Airport Lounge Access
Rewards
- • Get 2.5X EDGE Miles on travel spends
• Get up to 12 complimentary international and 18 domestic airport lounge visits every year
Apply Now →
AXis Card
Axis Bank ACE Credit Card
3.5/ 5
Entry-Level
Online Shopping
Utility bill payment
Rewards
- Get 5% cashback on utility bill payments and recharges via Google Pay
- Enjoy 4% cashback on Swiggy, Zomato, and Ola
Apply Now →
AXis Card
Axis Bank Rewards Credit Card
3.5/ 5
Reward
Rewards
- Get 10X rewards and earn 20 EDGE Reward points per Rs. 125 spent at departmental and apparel stores (up to Rs. 7,000 monthly)
- Earn 1X rewards and get 2 EDGE Reward points per Rs. 125 on all other spends
Apply Now →
AXis Card
Axis Bank Reserve Credit Card
3.0/ 5
Premium
Rewards
- Enjoy unlimited domestic and international lounge access via Priority Pass
- Benefit from a low forex mark-up fee of 1.5% and earn 2X reward points on international spends
Apply Now →
AXis Card
Axis Bank Horizon Credit Card
3.5/ 5
Travel
Reward
Airport Lounge Access
Rewards
- Enjoy up to 8 international lounge visits per year (2 per quarter)
- Get up to 32 domestic lounge visits (Visa) or up to 24 (Mastercard) every year
Apply Now →
Google Pay Flex Axis Bank Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
- Earn 2X stars on meeting minimum spend of Rs. 100 in the previous cycle
- Earn 4X stars when monthly spends exceed Rs. 15,000
- Earn 8X stars when monthly spends exceed Rs. 30,000
- Earn 2 stars for every Rs. 500 spent in the first month and get a gift card worth Rs. 250 along with 250 bonus stars on Google Pay
Axis Magnus Credit Card
Joining Fee: 12500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy unlimited domestic and international lounge access with 4 complimentary guest visits
- Earn up to 60 EDGE Reward points per ₹200 spent
- Get a Luxe gift card or The Postcard Hotels voucher worth Rs. 12,500 after paying the joining fee.
Axis Bank Primus Credit Card
Joining Fee: 500000
✈ Travel 🏆 Reward 👑 Premium
- Enjoy Luxurious Privileges
- Get 1:5 Miles Conversion Benefits
- Choose any one option: 25,000 EDGE Miles or an ITC Hotels e-gift card worth ₹40,000 for selected properties.
Axis Bank SUPERMONEY RuPay Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
- Earn 3% cashback on QR payments made through the super.money app
- Get 1% cashback on all other card spends
- No joining or annual fee.
Axis Bank Samsung Signature Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Get 10% cashback on Samsung purchases, including EMI transactions
- Earn 2X rewards on Myntra, Zomato, Urban Company, BigBasket, and Tata 1MG
- Earn 2,500 bonus EDGE Reward Points by completing 3 transactions within 30 days of card issuance.
Miles and More World Axis Bank Credit Card
Joining Fee: 3500
✈ Travel 🏆 Reward 👑 Premium
- Get 16 complimentary domestic airport lounge visits every year (max 4 per quarter)
- Enjoy 2 complimentary international lounge visits per year via Priority Pass membership
- Get 5,000 Award Miles as a welcome bonus
![HDFC Infinia Credit Card]()
Axis Bank Insta Easy Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
Axis Neo Credit Card
Joining Fee: 250
✈ Travel 🏆 Reward 👑 Premium
- Get 100% cashback up to ₹300 on your first utility bill payment within 30 days.
Axis My Zone Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy Buy One Get One free on movie tickets via District App
- Get complimentary SonyLIV membership for 1 year
- Get complimentary 1-year SonyLIV Premium subscription on card activation within 30 days of issuance.
Axis SELECT Credit Card
Joining Fee: 3000
✈ Travel 🏆 Reward 👑 Premium
- Get discounts on Swiggy, BigBasket, and District apps
- Complimentary lounge access worldwide
- Get 20,000 EDGE Reward Points on card activation (on payment of joining fee).
Axis Vistara Signature Credit Card
Joining Fee: 3000
✈ Travel 🏆 Reward 👑 Premium
- Get 1 Vistara Premium Economy Ticket & Club Vistara Silver Membership.
Flipkart Axis Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy 7.5% cashback on Myntra purchases
- Get 5% cashback on Flipkart and Cleartrip transactions
- Flipkart voucher worth ₹250 on first transaction within 30 days and 50% off (up to ₹100) for new Swiggy users with code “AXISFKNEW”
Axis Atlas Credit Card
Joining Fee: 5000
✈ Travel 🏆 Reward 👑 Premium
- • Get 2.5X EDGE Miles on travel spends
• Get up to 12 complimentary international and 18 domestic airport lounge visits every year
- 2,500 bonus EDGE Miles as card activation benefit on making the first transaction within 37 days of card setup.
Axis Magnus for Burgundy Credit Card
Joining Fee: 30000
✈ Travel 🏆 Reward 👑 Premium
- Enjoy unlimited complimentary domestic and international lounge visits
- Get up to 24% value-back on travel spends
- Get a voucher worth Rs. 5,000 from Luxe gift card, The Postcard Hotels, or Yatra.
Axis Bank ACE Credit Card
Joining Fee: 499
✈ Travel 🏆 Reward 👑 Premium
- Get 5% cashback on utility bill payments and recharges via Google Pay
- Enjoy 4% cashback on Swiggy, Zomato, and Ola
- Get the annual card fee waived on spending ₹2 lakh in a year.
Axis Bank Rewards Credit Card
Joining Fee: 1000
✈ Travel 🏆 Reward 👑 Premium
- Get 10X rewards and earn 20 EDGE Reward points per Rs. 125 spent at departmental and apparel stores (up to Rs. 7,000 monthly)
- Earn 1X rewards and get 2 EDGE Reward points per Rs. 125 on all other spends
- Earn 5,000 EDGE Reward Points by spending ₹1,000 within 30 days of card issuance.
Indian Oil Axis Bank Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Save up to 5% on IOCL fuel spends
- Earn 1% back (5 EDGE Reward Points per ₹100) on online shopping
Axis Bank Reserve Credit Card
Joining Fee: 50000
✈ Travel 🏆 Reward 👑 Premium
- Enjoy unlimited domestic and international lounge access via Priority Pass
- Benefit from a low forex mark-up fee of 1.5% and earn 2X reward points on international spends
- Get a welcome bonus of 15,000 Edge Reward points when you activate the card.
Axis Bank Horizon Credit Card
Joining Fee: 3000
✈ Travel 🏆 Reward 👑 Premium
- Enjoy up to 8 international lounge visits per year (2 per quarter)
- Get up to 32 domestic lounge visits (Visa) or up to 24 (Mastercard) every year
- Earn 5,000 EDGE Miles as a welcome gift when you make your first transaction of ₹1,000 or more within 30 days of card issuance.
Axis Bank Credit Cards — Comparison Table
| Card |
Annual Fee |
Best For |
Reward Rate |
Lounge |
Fee Waiver |
Apply |
| Axis Magnus |
₹12,500 |
Premium Travel |
12 pts/₹200 |
Unlimited |
₹15L spend |
Apply → |
| Axis ACE |
₹499 |
Cashback |
5% bill pay |
4/year |
₹2L spend |
Apply → |
| Flipkart Axis |
₹500 |
Online Shopping |
5% Flipkart |
4/year |
₹2L spend |
Apply → |
| Axis Vistara Sig. |
₹3,000 |
Air Miles |
3 pts/₹200 |
16/year |
₹3L spend |
Apply → |
| Axis Neo |
₹250 |
Entry Level |
10% movies |
None |
₹25K spend |
Apply → |
| Axis Rewards |
₹1,500 |
EDGE Rewards |
10 pts/₹200 |
4/year |
₹2.5L spend |
Apply → |
| Axis Privilege |
₹1,500 |
Lifestyle |
3 pts/₹200 |
8/year |
₹2L spend |
Apply → |
| Axis Magnus BizClassics |
₹4,999 |
Business |
8 pts/₹200 |
8/year |
₹5L spend |
Apply → |
How to Apply for an Axis Bank Credit Card Online at MyBankingTips
Applying for an Axis Bank credit card online through MyBankingTips is seamless, paperless, and 100% free. Follow these six steps:
1
Compare Axis Cards on MyBankingTips
Browse all Axis Bank credit cards, filter by category — cashback, travel, shopping, premium, co-brand — and compare features, fees, and reward rates side by side to find your perfect match.
2
Free Eligibility Check — No CIBIL Impact
Enter your income, employment type, and city for an instant soft enquiry eligibility check. This has absolutely zero impact on your CIBIL score and tells you which Axis cards you qualify for.
3
Click Apply Now & Complete the Form
Redirected to the official Axis Bank or partner portal. Fill in your personal, contact, and income details on the secure online application form — takes under 5 minutes.
4
Upload KYC & Income Documents
Upload PAN card, Aadhaar, latest 3 months' salary slips, and 6-month bank statement digitally. Axis Bank supports full Aadhaar OTP-based eKYC for most online applications.
5
Instant Review & Credit Assessment
Axis Bank evaluates your application and runs a CIBIL check. Most eligible applicants — especially existing Axis savings account holders — receive in-principle approval within minutes.
6
Card Delivery & Instant Virtual Card
Physical card dispatched within 5–7 working days after final approval. An instant virtual card is issued via the Axis Mobile app for immediate use at online merchants.
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Axis Account Holders: Existing Axis Bank salary or savings account holders can check pre-approved Axis credit card offers directly in the Axis Mobile app under "Cards & Loans" — often with instant approval and zero documentation required.
Axis Bank Credit Card Fees & Charges
A complete breakdown of all Axis Bank credit card charges to ensure complete transparency before you apply:
| Fee / Charge Type |
Axis Card Amount |
Notes |
| Joining / Annual Fee |
₹250 – ₹12,500 + GST |
Varies by card; waivable on minimum annual spend threshold |
| Finance Charges (Interest) |
3.6% per month (43.2% p.a.) |
One of the higher rates in India; strong incentive to pay in full monthly |
| Late Payment Fee |
₹500 – ₹1,200 |
Slab-based on total outstanding amount due |
| Cash Advance Fee |
2.5% or ₹500 (whichever higher) |
Interest applies from withdrawal date; no grace period |
| Foreign Transaction Fee |
3.5% + GST |
Magnus offers a lower 2% forex markup for international spends |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per billing cycle |
| Fuel Surcharge |
1% of transaction value |
Waiver up to ₹400/month on select Axis cards |
| Card Replacement Fee |
₹200 – ₹500 |
For lost, stolen, or damaged card replacement |
| Cheque Return Fee |
₹500 per instance |
Applicable on dishonoured payment instruments |
| GST on Charges |
18% |
Applicable on all Axis Bank credit card fees and charges |
⚠️
Important: Axis Bank's finance charge of 3.6%/month (43.2% p.a.) is among the highest in India. However, the Magnus card compensates with a significantly lower forex markup of 2% for frequent international travellers. Always pay 100% of the outstanding to avoid any interest charges.
Axis Bank Credit Card Eligibility Criteria
Check the standard Axis Bank credit card eligibility requirements before applying for the highest chance of approval:
Age: 21 – 70 Years
Primary cardholder must be 21–70 years old. Axis Bank has one of the most flexible age eligibility criteria among major Indian banks.
Income: ₹18,000+/month
Salaried: ₹18,000/month for Neo/ACE. Magnus requires ₹1.5L+/month. Self-employed: ₹3L+ annual ITR. Axis has one of the lowest income bars for entry cards.
CIBIL Score: 700+
Minimum CIBIL score of 700 recommended. Magnus and Vistara Infinite need 750+. Axis Neo and ACE may be approved with 680+ in some cases.
Residency: Indian Citizen / NRI
Both Indian residents and NRIs are eligible for select Axis credit card variants. Min. 1 year at current address is preferred.
Employment: Salaried or Self-employed
Axis Bank accepts both salaried employees and self-employed professionals/business owners. Employment stability of 1+ year is preferred.
Axis Account Advantage
Existing Axis Bank salary or savings account holders get priority approval and pre-approved offers with minimal documentation requirements.
Documents Required for Axis Bank Credit Card
Keep these documents ready for a smooth, fast Axis Bank credit card application. All documents can be submitted digitally:
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, Driving Licence |
| Address Proof |
Aadhaar Card, Passport, Voter ID, Latest utility bill (past 3 months), Registered rent agreement |
| Income Proof – Salaried |
Latest 3 months' salary slips, Latest Form 16, Last 6 months' bank statement with salary credits |
| Income Proof – Self-employed |
Latest 2 years' ITR with computation, Business proof (GST registration/trade licence), Last 6 months' bank statement |
| Photograph |
Recent passport-size photo (digital Aadhaar OTP eKYC accepted for most online applications) |
ℹ️
For Flipkart Axis Bank Card: The entire application process for the Flipkart Axis Bank Credit Card is done through the Flipkart app or website. For eligible Flipkart users, approval can be near-instant using Aadhaar OTP eKYC with no physical documents required.
Axis Bank Credit Card Features & Benefits
Axis Bank credit cards are packed with industry-leading features that deliver real, measurable value across travel, dining, shopping, and finance:
EDGE Reward Points
Earn 2–12 EDGE Points per ₹200 spent. India's most flexible rewards currency — transfer to airlines, redeem for Amazon, Flipkart, flights & more
Airport Lounge Access
From 4 free visits/year on entry cards to unlimited domestic + international lounge access on Axis Magnus — the best lounge programme in India
Milestone Rewards & Bonuses
Earn substantial milestone bonuses — 10,000–25,000 bonus EDGE points — on reaching quarterly or annual spend milestones on premium cards
Airline Miles Transfer
Transfer EDGE Points to InterMiles, Club Vistara, Air India Flying Returns, British Airways Avios & Singapore Airlines at competitive rates
Complimentary Insurance
Axis credit cards include travel insurance (up to ₹1.5 Cr on Magnus), purchase protection, card fraud liability cover, and accident insurance
Zero Liability Fraud Cover
Complete protection on unauthorized transactions reported within 7 days. Instant card block via Axis Mobile, SMS, or 24×7 helpline
Additional Axis card perks include: complimentary golf rounds (Magnus), fuel surcharge waivers, dining offers at 4,000+ restaurants, movie discounts via BookMyShow, concierge services, Ola/Uber cashback on select cards, and spend-based annual fee reversals.
Axis Bank Credit Card Bill Payment Methods
Paying your Axis credit card bill on time protects your CIBIL score and saves costly finance charges. Here are all payment options:
| Payment Method |
Platform |
Time to Reflect |
| Axis Mobile Banking App |
iOS / Android |
Instant |
| Axis Net Banking |
axisbank.com |
Instant |
| NEFT / IMPS / RTGS |
Any bank app |
Instant – 2 hours |
| Auto-Pay / ECS Standing Instruction |
Axis or other bank |
Auto on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI apps |
Instant |
| BBPS (Bharat Bill Pay) |
Any BBPS app |
Instant – 2 hours |
| Axis Bank ATM |
Axis ATMs |
Same day |
| Branch / Cheque Drop |
Axis Bank Branch |
3–5 working days |
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Smart Move: Set up an ECS auto-debit mandate for the full outstanding amount via the Axis Mobile Banking app. This guarantees on-time payment, eliminates ₹500–₹1,200 late fees, and maintains a perfect CIBIL payment history on autopilot.
How to Activate Your Axis Bank Credit Card
Activate your new Axis Bank credit card before first use through any of these methods:
1
Via Axis Mobile Banking App
Open the Axis Mobile app → Cards → Credit Cards → Select your new card → "Activate Card" → Verify with OTP sent to your registered mobile number. Takes under 60 seconds.
2
Via Axis Net Banking
Log in to axisbank.com → Cards → Credit Cards → Select the new card → "Activate" → Complete OTP verification. Card activated instantly upon successful verification.
3
Via Customer Care IVR
Call Axis Bank helpline 1860-419-5555 → Select credit card options → Follow IVR prompts for card activation. Identity verified via DOB and last 4 digits of card.
4
Via ATM PIN Setup
Visit any Axis Bank ATM → Select "Credit Card PIN" → Set your PIN using the PIN mailer received separately → Complete a test transaction to activate the card.
Axis Bank Credit Card Login & Net Banking
Manage your Axis credit card account conveniently and securely through these official Axis Bank digital platforms:
Through Axis's digital platforms you can: view real-time statements, pay bills, convert to EMI, track EDGE reward points, transfer miles to airlines, dispute transactions, block/unblock card, update KYC, and manage add-on cards — all from the Axis Mobile app.
How to Track Axis Bank Credit Card Application Status
After applying, track your Axis Bank credit card application status through these channels:
| Method |
How to Check |
| Axis Bank Website |
Visit axisbank.com → Cards → "Track My Application" → Enter Application Reference Number + registered mobile |
| Axis Mobile App |
Open Axis Mobile → Cards → "Application Status" → Real-time processing stage update |
| Customer Care |
Call 1860-419-5555 with your Application Reference Number ready |
| SMS |
SMS "TRACK <Ref No.>" to 5676782 from your registered mobile number |
| Email Updates |
Axis Bank automatically sends status update emails at key processing stages to your registered email |
Axis Bank EDGE Rewards Program — India's Most Flexible Rewards
Axis Bank's EDGE Rewards programme is widely regarded as India's most versatile credit card rewards ecosystem — here's how each card earns:
| Card |
Base Earning Rate |
Accelerated / Special Rate |
Points Validity |
| Axis Magnus |
12 EDGE pts/₹200 |
20X on Travel via EDGE portal |
3 years |
| Axis ACE |
Direct cashback |
5% bill pay, 4% food delivery, 2% all |
Direct CB; no expiry |
| Flipkart Axis |
Direct cashback |
5% Flipkart, 4% Myntra, 1.5% all |
Direct CB; no expiry |
| Axis Vistara Sig. |
3 Club Vistara pts/₹200 |
6 pts on Vistara flights |
3 years |
| Axis Rewards |
10 EDGE pts/₹200 |
15X on weekends |
2 years |
| Axis Neo |
1 EDGE pt/₹200 |
10% CB on Amazon; 15% CB Zomato |
2 years |
ℹ️
EDGE Point Value: 1 Axis EDGE Point = ₹0.20 for standard catalogue redemption. For airline miles transfer (InterMiles, Club Vistara, Avios), the effective value rises to ₹0.40–₹0.80 per point. The EDGE Rewards portal offers the best redemption rates for travel bookings — always compare before redeeming.
How to Redeem Axis Bank EDGE Reward Points
Axis EDGE points offer the widest range of redemption options among Indian credit cards. Here's how to extract maximum value:
1
Via EDGE Rewards Portal / Axis Mobile App
Log in to edgerewards.axisbank.com or open the Axis Mobile app → Cards → EDGE Rewards → Browse flights, hotels, shopping vouchers, or transfer to airline miles programmes.
2
Airline Miles Transfer (Magnus / Vistara)
Transfer EDGE Points to InterMiles, Club Vistara, British Airways Avios, Singapore Airlines KrisFlyer, and Air India Flying Returns. Minimum 1,000 points per transfer. Best value redemption available.
3
Amazon / Flipkart Vouchers
Redeem EDGE Points for Amazon Pay balance or Flipkart Gift Vouchers — very popular redemption options with near-instant credit to your account.
4
Statement Credit
Redeem EDGE Points against your credit card outstanding balance. Minimum 2,500 points; value ₹0.20/point. Ideal if you don't travel frequently.
Axis Bank Credit Card Balance Transfer
Save significantly on high-interest outstanding balances from other credit cards by transferring them to your Axis credit card at a lower promotional interest rate:
| Feature |
Details |
| Minimum Transfer Amount |
₹10,000 |
| Maximum Transfer Amount |
Up to 75% of available Axis credit limit |
| Balance Transfer Interest Rate |
1.5% – 2% per month (promotional; lower than standard 3.6%) |
| Repayment Tenure |
3, 6, 9, or 12 months |
| Processing Fee |
2% of transferred amount + GST (minimum ₹500) |
| Eligibility |
Active Axis credit card holder with 6+ months of usage and clean repayment history |
| Processing Time |
3–5 working days via NEFT directly to the other bank |
Apply for balance transfer via Axis Mobile app → Cards → "Balance Transfer", or call the helpline 1860-419-5555.
When is Interest Charged on an Axis Bank Credit Card?
Understanding Axis Bank's credit card interest policy is crucial to avoiding the 43.2% annual finance charge:
✅ When Interest is NOT Charged
- ✓When you pay 100% of the total outstanding balance before the payment due date
- ✓On retail purchases within the applicable interest-free grace period
- ✓On EMI transactions — only the specific EMI interest rate applies
- ✓On cashback credits, fee reversals, and reward point adjustments
❌ When Interest IS Charged
- ✗On any balance carried forward from the previous billing statement
- ✗On cash advances — interest starts from the exact date of withdrawal
- ✗On the ENTIRE outstanding balance if even ₹1 remains unpaid
- ✗From the statement date — not just from the due date — if unpaid
⚠️
Critical Alert: Axis Bank charges 3.6% per month (43.2% per annum) — among India's highest. Interest applies on the ENTIRE outstanding balance from the statement date if even ₹1 is unpaid by the due date. Always pay 100% of the total outstanding, not just the minimum due.
Axis Bank Credit Card Interest-Free Period
Axis Bank provides up to 50 days of interest-free credit on retail purchases when you pay your full balance before the due date:
| Detail |
Axis Bank Card Policy |
| Maximum Interest-Free Period |
Up to 50 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
20 days after statement generation date |
| Condition for Zero Interest |
Full total outstanding must be paid — NOT just the minimum due |
| Applicable on |
Retail purchases only — NOT applicable on cash advances |
| Grace period lost if |
Any balance from the prior statement period is carried forward unpaid |
✦
Pro Strategy: To maximise your 50-day interest-free window, make your biggest purchases on the first day of your billing cycle. Your billing date is shown on every Axis statement and in the Axis Mobile app under "Card Details".
Axis Bank Credit Card EMI Facility
Convert large purchases into affordable monthly instalments with Axis Bank's Easy EMI facility — available on all Axis credit cards:
| Feature |
Details |
| Minimum Transaction for EMI |
₹2,500 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 18% p.a. depending on tenure and card |
| No-Cost EMI |
Available at Amazon, Flipkart, Apple, Samsung, Croma, Reliance Digital & 5,000+ partner outlets |
| Balance to EMI |
Convert outstanding balance to EMI; minimum ₹2,500; tenures 3–24 months |
| Foreclosure Charges |
3% on outstanding principal + applicable GST |
Convert a purchase to EMI via Axis Mobile app → Cards → Transactions → Select purchase → "Convert to EMI". Alternatively, call 1860-419-5555 within 30 days of purchase.
Axis Bank Credit Card Customer Care — 24×7 Support
Axis Bank offers comprehensive round-the-clock customer support for all credit card needs, disputes, and management queries:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1860-419-5555 / 1860-500-5555 |
24×7 |
| From Abroad |
+91-22-6798-7700 |
24×7 |
| Axis Aha! AI Chatbot |
Axis Mobile App or axisbank.com |
24×7 |
| Email Support |
support@axisbank.com |
Response within 48 hours |
| Twitter / X |
@AxisBankSupport |
Mon–Sat 8AM–8PM |
| WhatsApp Banking |
+91-7036-165-000 |
24×7 |
| Branch Visit |
Nearest Axis Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
✦
Instant Card Block: SMS "BLOCK <last 4 digits>" to 5676782, or use the Axis Mobile app → Cards → "Block Card" to instantly block your Axis credit card if lost or stolen. Replacement card dispatched within 3–5 working days.
Quick Links to Manage Your Axis Bank Credit Card
Frequently Asked Questions About Axis Bank Credit Cards
Which is the best Axis Bank credit card in 2026?
For premium travel & unlimited lounge: Axis Magnus (India's best travel card). For cashback: Axis ACE (5% on bill pay). For online shopping: Flipkart Axis (5% on Flipkart). For air miles: Axis Vistara Signature. For entry-level: Axis Neo (₹250 fee). For rewards: Axis Rewards (10 pts/₹200). Our experts at MyBankingTips can match you to the right card based on your spending profile.
What makes the Axis Magnus card so special?
The Axis Magnus is one of India's most coveted travel credit cards. Key highlights: (1) Unlimited complimentary domestic + international airport lounge access for both cardholder and guest, (2) 12 EDGE Points per ₹200 spent (highest base rate), (3) 20X bonus points on EDGE Travel portal bookings, (4) Airline miles transfer to 6+ partners, (5) Low 2% forex markup for international spends, (6) ₹1.5 Cr air accident insurance, and (7) Complimentary golf rounds. The ₹12,500 annual fee is easily recovered by frequent travellers through lounge savings and mile value.
What is the minimum salary for an Axis Bank credit card?
Axis Bank has one of the most inclusive income thresholds. For Axis Neo, the minimum is ₹18,000/month. For Axis ACE and Flipkart Axis, ₹25,000/month. For Axis Rewards and Vistara Signature, ₹40,000–₹60,000/month. For Axis Magnus, ₹1.5 lakh/month or higher. Self-employed individuals need to show ITR of ₹3 lakhs or more per annum.
How does the Axis ACE cashback card work?
The Axis ACE Credit Card gives direct cashback (credited to your account each month): 5% on bill payments (electricity, gas, DTH, mobile recharges) via Google Pay, 4% on Swiggy, Zomato, and Ola, and 2% on all other spends. Maximum monthly cashback is ₹500 on the 5% category and ₹200 on the 4% category. There are no reward points to track — it's straightforward cashback. Annual fee of ₹499 is waived on ₹2 lakh annual spend.
How do Axis EDGE reward points expire?
Axis EDGE Reward Points have a validity of 2–3 years from the date of accrual (3 years for premium cards like Magnus). Points expire on a rolling basis — the oldest points expire first. You can check your point balance and expiry details via the Axis Mobile app or the EDGE Rewards portal (edgerewards.axisbank.com). Always redeem oldest points first to maximise value.
Can I link an Axis credit card to UPI for payments?
Yes. Axis Bank's RuPay credit cards can be linked to UPI apps including Google Pay, PhonePe, and BHIM, enabling UPI payments at any QR code directly from your credit card. You continue to earn EDGE reward points on UPI transactions made through the linked RuPay Axis credit card — a significant advantage over debit-card UPI payments which typically earn nothing.
How do I increase my Axis Bank credit card limit?
Request a credit limit increase via: (1) Axis Mobile app → Cards → "Enhance Credit Limit", (2) axisbank.com → Cards → Limit Enhancement, or (3) Call 1860-419-5555. Submit updated salary slips or ITR for higher approval chances. Axis also auto-upgrades limits for cardholders with 12+ months of high spend and zero defaults. After approval, the new limit is effective within 24 hours.
Best Axis Credit Cards for Rewards
Axis Magnus for Burgundy Credit Card
Joining Fee: ₹30000
✈ Travel 🏆 Reward 👑 Premium
- Earn 12 EDGE reward points for every Rs. 200 spent on cumulative monthly spends up to Rs. 1.5 Lakh
- Earn 35 EDGE reward points for every Rs. 200 spent on cumulative monthly spends above Rs. 1.5 Lakh
Axis Bank Horizon Credit Card
Joining Fee: ₹3000
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Get 5,000 EDGE Miles as a joining benefit and 1,500 EDGE Miles on card renewal
- Earn 5 EDGE Miles for every Rs. 100 spent on Travel EDGE portal and at direct airline websites or counters
Google Pay Flex Axis Bank Credit Card
Joining Fee: ₹0
🏆 Reward 🔰 Entry-Level
- Earn up to 8X rewards on your monthly spends
- Redeem rewards easily on UPI payments via Google Pay (1 star = Rs. 1)
Axis Atlas Credit Card
Joining Fee: ₹5000
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Earn 5 EDGE Miles for every Rs. 100 spent on monthly travel spends up to Rs. 2 Lakh
- Earn 2 EDGE Miles for every Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
Axis Bank Rewards Credit Card
Joining Fee: ₹1000
🏆 Reward
- Get 5,000 EDGE Reward points on spending ₹1,000 within 30 days of card issuance
- Earn 2 EDGE Reward points per ₹125 on regular spends
Axis SELECT Credit Card
Joining Fee: ₹3000
🏆 Reward 💺 Airport Lounge Access
- Earn 10 EDGE reward points on every Rs. 200 spent
- Earn 20 EDGE reward points per Rs. 200 spent on retail transactions
Best Axis Credit Cards for Travel
Axis Atlas Credit Card
Joining Fee: ₹5000
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Get a welcome benefit of up to 2,500 bonus EDGE Miles.
- Enjoy up to 12 international lounge visits and up to 18 domestic lounge visits per year*.
Axis Bank Horizon Credit Card
Joining Fee: ₹3000
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Get 5,000 EDGE Miles as a joining benefit and 1,500 EDGE Miles on card renewal
- Enjoy up to 8 international airport lounge visits per year, 2 per calendar quarter
Axis Magnus for Burgundy Credit Card
Joining Fee: ₹30000
✈ Travel 🏆 Reward 👑 Premium
- Get a Luxe gift card, The Postcard Hotels voucher, or Yatra voucher worth Rs. 5,000 as a welcome benefit
- Earn 12 EDGE reward points for every Rs. 200 spent on cumulative monthly spends up to Rs. 1.5 Lakh
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