AXIS Bank Credit Card

If you’ve applied for an Axis Bank Credit Card, your eligibility hinges on several key factors:

1. Age: The key cardholder should not be less than 18 years of age and not more than 70 years of age.
2. Income: Requirements concerning the income may also be different depending on the selected card option.
3. Residential Status: Candidates can be only Indians or persons of Indian origin or those who are not residents of India but of Indian origin.

It is also important to note that there are other domains which the bank will check in evaluating the eligibility of the applicant; these include credit score and credit history. What must be understood is that although these criterion serve as some guidelines for grant and denial of credit card application, the final verdict rests with the bank.

APPLICATION

When applying for a credit card, you’ll be required to provide the following documents:

1. Age and Residential Proof: A credit card, PAN card, Aadhaar card, Passport or Driver’s license.
2. Income Proof: Pay slips or income tax returns either.

This means that credit cards come with several fees that you need to be wary of and these could vary depending on the card type. Such charges range from joining fees, annual fees, fees charged on late payment, over the limit fees, cash withdrawal fee, rental transaction fee, foreign currency transactions charges among others. It would however be wise to look at the fee structure when selecting the credit card to use.

For those new to credit cards or considering applying for one, here are key points to consider:

1.  Monthly Spending: Select a credit card which has a credit limit that should be in a measurable amount with the frequency of spending.
2. Maximizing Benefits: Choose a card that may come with extra features such as cashback, discounts on products or free pass to airport lounges and so on in order to enjoy even more.
3. Credit Card Eligibility: Axis Bank Credit card application process the necessary requisites; age, income, type of staying either as an Indian citizen or as an NRI. Such documents may include proof of age and residence: PAN card, Aadhaar card, Passport, Driver’s license and/or income proof – salary slips or Income Tax Returns. It can also inspect your credit rating and the history related with it, in case you are a client of the bank.
4. Fees and Charges: The credit card comes with many charges which include join up fees, annual fees, fees for late payment, fees for going over the limit, fees for cash advances, fees for rentals and fees for transactions in foreign currency among others.
5. Interest Rates: The various credit cards normally attract interest rates which fall between 3% and 4% monthly. Do not make use of the interest by not paying the outstanding amount before the due date for if it’s still being credited, additional interest is charged.

To apply for an Axis Bank credit card online, follow the steps below:

Website:

1. Go to www.axisbank.com and click on the ‘Credit Cards’ link present on the home page of the website.
2. Use the drop down lists to select from the list of credit card offers.
3. Click on the desired credit card and select the application button which will take you to the application’s webpage.
4. In the form, complete the information that is necessary for the identification and assessment on the eligibility of the person.
5. Fill in the blanks below then press submit.

Mobile App:

1. There are three options: Open the Axis Bank mobile banking app, go to axisbank.com, or download it from your smartphone’s app store.
2. Go to the Products tab and click Credit cards.
3. To apply for the position, one has to press ‘Apply Now’ button.
4. Tips of managing your Credit Card expenses