Best Axis Bank Credit Cards in 2023

Axis Bank, one of India’s largest private banks, offers exclusive credit cards to all types of customers. Axis Bank offers a wide range of credit cards, from basic credit cards to premium credit cards, that focus on giving users a pleasant experience. These cards follow their unique path to give the customer a luxury experience. These cards are suitable for online shopping, repayments, and to claim maximum financial benefits for more transactions. Some Axis Bank Credit Cards are solely focused on travel, shopping, rewards, etc. Some of these provide distinct benefits like fuel surcharge waivers, discounts on dining and shopping, complimentary movie tickets, and free access to domestic and international airport lounges. 

This is a well-researched article on the top credit cards of Axis Bank in 2023 to determine which one is most advantageous and provides the most features. 

Types of Axis Bank Credit Cards

Here are The Best 5 Axis Bank Credit Cards available to customers in 2023: 

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

List of Best Axis Bank Credit Cards

All top 5 Axis Bank credit cards with all the required details along with benefits included are described below:

Axis Bank Ace Credit Card 

 Why You Should Choose This Credit Card?

Axis Bank Ace Credit Card is arguably the best credit card that Axis Bank is providing to its customers. Axis Bank launched this credit card in 2020 in collaboration with Google Pay and Visa. It is a cashback credit card that can be used on Google Pay to earn various cashbacks.

Pros 

• Lower annual fee
• Availability of airport lounge
• Great Cashback
• Unlimited Cashback

Cons

• Early benefits are limited

Fee and Charges: Axis Bank Ace Credit Card charges a Rs. 499 joining fee from the second year onwards. The annual fee of this credit card can be waived on a minimum purchase of Rs. 2 lakh spent in a year.

Features and Benefits: 

• This card provides 5% cashback on Google Pay-supported transactions. 
• There are no upper or lower limits of credit on this credit card.
• You will receive a scratch card on every payment made through Google Pay.
• This credit card provides 2% cashback on every transaction.
• This credit card charges a comparatively low credit card annual fee compared to other its provided features.

Flipkart Axis Bank Credit Card

Why You Should Choose This Card?

This provides numerous welcome benefits to the user. Flipkart Axis Bank Credit Card allows you to earn unlimited cashback on all kinds of purchases.

Pros

• Extraordinary welcome benefits
• Unlimited cashback
• Exciting offers on purchasing from partners

 

Cons

• No cash back on fuel transactions
• No international airport lounge

Fees and Charges: Flipkart Axis Bank Credit Card charges a Rs. 500 joining fee and an annual fee of Rs. 500 from the second year onwards. The annual fee of this credit card can be waived on a minimum purchase of Rs. 3.5 lakh spent in a year. 

Features and Benefits: 

• This card offers 5% cash back on purchases with partners
• This card offers 4% cash back on purchases from preferred merchants.
• This card offers 1.5% cash back on other purchases.
• It offers four domestic airport lounge facilities in one calendar year.
• Various cashback on shopping with partners.

Axis Bank Neo Credit Card

Why You Should Choose This Card?

This card is best suited for dining and bill payment options. Axis Bank Neo Credit Card is one of the cheapest credit cards available at Axis Bank. This credit card is best for small families, students and personal use.

Pros

• Easy to use
• Up to 40% discount on food delivery partner app
• Easy  EMI options

Cons

• Limited amount on provided discounts

Fees and Charges: This card charges Rs. 250 joining fee and the same amount as the annual fee. 

Features and Benefits: 

• Purchases are EMI convertible
• Upto Rs. 300 cashback on the first utility bill payment
• 15% discount at partner restaurants
• 10% off on partner movie ticket booking application

Axis Bank My Wings Credit Card

Why You Should Choose This Card?

This card is best suited for the travelling expenses. Axis Bank My Wings Credit Card offers exciting offers on air travel and hotels. This card can be used to purchase air tickets from any domestic aircraft company.

Pros

• Unlimited domestic airport lounge
• Waiver of fuel surcharge
• Discount on every domestic aircraft company

Cons

• Offers are limited to domestic flights and airport lounges.

Fees and Charges: Axis Bank My Wings Credit Card charges a Rs. 1200 joining fee and an annual fee of Rs. 500 from the second year onwards. 

Features and Benefits:

• 2 lowest-fare flight tickets are complimentary
• Lowest-fare flight tickets with discounts of up to 20%
• Unlimited domestic airport lounge
• Holiday and hotel vouchers
• Partner restaurants will provide a 15% discount

Axis Bank Select Credit Card

Why You Should Choose This Card?

This credit card provides a lot of add-on facilities like different kinds of insurance. Axis Bank Select Credit Card gives a premium card look to its users. It also supports the Dining Delight facility.

Pros

• Different kinds of insurance
• Waiver for fuel surcharge
• Concierge facility

Cons

• A minimum of two ticket purchases are required to get a movie ticket discount.

Fees and Charges: Axis Bank Select Credit Card charges a Rs. 3000 joining fee and the same amount as the annual fee from the second year onwards.

Features and Benefits 

• This card provides a welcome bonus of Rs. 2000 for shopping vouchers at partner stores.
• Its benefits include 6 complimentary international airport lounges and priority pass membership.
• Major insurance coverage like Air Accident, Credit Protection, Purchase Protection, etc.
• 24×7 availability of concierge help desk

Eligibility for Axis Bank Credit Cards

Here is the eligibility for different Axis Bank credit cards:

• Axis Bank Ace Credit Card: This card requires the age of the primary cardholder to lie between 18 and 70 years old. The Axis Bank Ace Credit Card applicant should be a Resident of India. 
• Flipkart Axis Bank Credit Card: Individuals can apply for this card. The age of the applicant should be between 18 to 70 years. Both Resident and Non-Resident Indians are eligible to apply for a Flipkart Axis Bank Credit Card. This card does not require any income.
• Axis Bank Neo Credit Card:  Individuals can apply for this card. The age of the applicant should be between 18 to 70 years. The add-on cardholder should be above 15 years of age.  Both Resident and Non-Resident Indians are eligible to apply for an Axis Bank Neo Credit Card.
• Axis Bank My Wings Credit Card: Individuals can apply for this card. The age of the applicant should be between 18 to 70 years. The add-on cardholder should be above 15 years of age.
• Axis Bank Select Credit Card:  Individuals can apply for this card. The age of the applicant should be between 18 to 70 years. The add-on cardholder should be above 15 years of age. Both Resident and Non-Resident Indians are eligible to apply for an Axis Select Bank Credit Card. This card requires the applicant to have a minimum income of Rs. 600000 per annum.

Documents Required for Axis Bank Credit Card

These are the required documents for Axis Bank Credit cards:

• A photocopy of the PAN Card
• Form 60
• For Income proof (Either One): Payslip, Form 16, and Copy of IT Return
• For Residence Proof (Either One): Passport, Ration Card, Electricity Bill, and Telephone Bill
• For Identity Proof (Either One): Passport, PAN Card, Driving License, and Aadhar Card.

How to Apply for an Axis Bank Credit Card Online?

You can visit Axis Bank’s website to apply for an Axis Bank Credit Card. Here are the steps to apply for a credit card online.

Step 1: Visit the Axis Bank website and select the credit card you want to apply for.

Step 2: Click on the Apply for it button.

Step 3: Answer whether you are an existing customer or a new user.

Step 4: If you are a new user, provide your details. If you are an existing customer, provide your customer ID.

Step 5: This process will generate an OTP on your provided or registered mobile number. Enter the OTP on the screen.

Step 6: Answer the work experience and income-related questions. Aadhar and other personal details are also required if you are a new user.

After following the steps to complete the process, you’ll receive a message about the status of your application. When your application is accepted or rejected, you will receive an email and SMS confirming your status.

 

How to Apply for an Axis Bank Credit Card Offline?

You can contact the bank directly to apply for a credit card online. The Bank will send the employee to your residence for document verification and income-related details. You can also visit the bank with the required KYC documents. 

Comparing and Choosing the Right Credit Card

It is important to compare all the credit card options before choosing the right credit card for you. A credit card without an argument gives a handful of financial benefits, but choosing a credit card after comparing them all will help you make a better decision. After thorough research, choosing a credit card is important because credit purchases revolve around a user’s earned money. Many credit cards offer various benefits these days, but choosing the right one will provide you with the best benefits.

Maximising Benefits and Tips for Card Holders

Here are some useful tips for credit card holders:

• Never skip the credit card payment to maximise the benefits and more exciting offers from the bank.
• Use the 20/10 Thumb Rule for better maintenance of your credit card budget.
• Use the credit card when you need it the most instead of every purchase you want to make
• Use the credit card according to its type to maximise the benefits
• Pay your credit card bill every month to gain additional offers