Axis Bank Credit Cards: Everything You Need to Know

Axis Bank is among India’s most prominent private sector banks. Over the years, they’ve put together a wide range of credit cards that suit just about everyone’s lifestyle, from first-timers to frequent flyers.

These cards operate on Visa, Mastercard, and Amex networks, offering EDGE Reward Points, cashback, discounts, complimentary airport lounge access, and even fuel surcharge waivers. There’s also the secured credit card option backed by Fixed Deposits (FDs), perfect for those who are just beginning their credit journey.

Best Credit Cards by Axis Bank

If you’re exploring which Axis Bank card might suit you, here are five of the top-rated options right now:

Each of these has a different personality. ACE is for cashback lovers like me, Flipkart Axis is for heavy online shoppers, and the MAGNUS and Horizon cater to premium travel lifestyles. IndianOil Axis makes sense if fuel spends dominate your month.

Axis Bank Credit Card Features & Benefits

Axis Bank cards offer a neat balance between daily-use benefits and luxury perks. Their EDGE Reward program is consistent: every transaction earns you points, with some categories offering accelerated rates for travel, dining, or partner spends. Complimentary lounge access, milestone bonuses, and welcome gifts are common across the mid and high-tier cards.

Here are some of their most recognized features:

• Cashback on spends like Google Pay bills, recharges, Swiggy, Ola etc.
• Travel and lounge benefits for Horizon and MAGNUS cardholders.
• Co-branded offers with Flipkart and IndianOil where rewards spike for purchases made on partner platforms.
• Fuel surcharge waivers in the 1–2% range.
• Joining or renewal fee waivers linked to annual spending or limited offers.

Top Axis Bank Credit Card Reviews

From user chatter and feedback, people love how easy it is to earn and redeem rewards, but recent devaluations have definitely frustrated many long-time users.

Strict spend thresholds for perks and slower customer support responses have also been mentioned frequently. Personally, I think Axis cards still remain valuable if you understand the revised rules and stay within your spend comfort zone.

Card Against FD by Axis Bank

For anyone starting from scratch or with limited income documentation, Axis Bank’s Credit Card Against Fixed Deposit is an underrated gem. It allows you to secure a card against your FD, usually with a limit of 80–90% of the deposit.

You continue to earn interest on the FD and earn EDGE points like any regular cardholder. No income proof needed: just an FD, PAN, and basic KYC. It’s a great way to build your credit responsibly.

Axis Bank Credit Card Rewards, Cashback & Offers

• EDGE Reward Points on every transaction with bonus multipliers on partner platforms.
• Cashback on bill payments, recharges and shopping via popular apps like Flipkart, Myntra.
• Periodic offers such as tax/insurance payment cashback.
• Dining, movie, and fuel discounts across partner outlets.
• Welcome vouchers and milestone bonuses post certain spend levels.

If you’ve ever chased cashback campaigns like I did during the Paytm days, you’ll find ACE and Flipkart Axis familiar: predictable, automated, and easy to keep track of.

Axis Bank Credit Card Eligibility Criteria

Eligibility broadly stays flexible, but here’s the gist:

• Age: 18–70 years (up to 80 for Burgundy customers).
• Valid PAN and residential proof, open to residents and NRIs.
• Income varies by card type — premium cards like Signature demand around ₹9,00,000 a year income.
• Existing relationship with Axis improves approval chance.

Documents Required

• Identity proof: PAN, Aadhaar, Passport, Driving License, Voter ID
• Address proof: Aadhaar, Passport, Driving License, utility bills
• Income proof: Salary slips, Form 16, ITRs for salaried; business statements for self-employed
• Age proof: Passport, Voter ID, School/Birth certificate
• Recent color photograph

Requirements vary slightly across cards, but mostly every card can be applied for via a simple digital KYC route.

How to Apply for Axis Bank Credit Cards?

1. Choose your desired card through Axis Bank’s website, app or nearest branch.
2. Complete application with PAN, address, and card selection details.
3. Upload KYC and income proofs where necessary.
4. For FD-backed cards, simply book FD and link it during application.
5. Authenticate via OTP and submit.

Existing customers often get quicker approval, sometimes skipping video KYC if their profile is already verified.

Axis Bank Credit Card Application Status

You can track your application via Internet or Mobile Banking using your Application ID or PAN. Easy and instant. ([axis.bank.in])

How to Activate Your Axis Bank Credit Card

Once you have the physical card in hand, activation is straightforward — log in to the Axis Mobile App or Internet Banking, generate your PIN, and you’re ready. Even FD-backed cards are managed seamlessly through the digital platform. ([axisbank.com])

Axis Bank Login / Netbanking Access

Post activation, every cardholder gets a Customer ID. If you ever forget it, send “CUSTIDCC XXXX” via SMS from your registered mobile to fetch it. Use PAN or DOB to register for netbanking. The Axis Mobile App can handle all – statements, rewards, offers, and more.

Axis Bank Credit Card Customer Care

If there’s an issue with your card — be it blocking, redemption, or lost card reports — the support lines are:

• Toll-free: 1800 209 5577 / 1800 103 5577
• Alternate numbers: 1860 419 5555 / 1860 500 5555

Axis Bank Recent Devaluations & Discontinuations

Like many banks, Axis has tightened benefits periodically. Major changes came in April 2024 across popular cards like Magnus, Atlas, Ace, and Vistara — spending-linked lounge access replaced old benefits, and concierge programs were shelved.

Another key change from June 20, 2025: the Flipkart Axis card lost airport lounge access, and rewards got stricter. ([Economic Times])

I know several friends who were hit by these changes and felt betrayed. My advice – treat cards as utilities, not emotional investments. Perk cycles change; discipline remains.

Axis Bank Latest News & Updates

• June 2025 saw a decline of about 6,271 active Axis cards as the bank tightened underwriting ([Business Standard])
• Between late 2024 and mid-2025, many cards saw revised spends, utility caps, and redemption limits ([Economic Times])

Axis Bank Domestic Lounge Status

As of now, Horizon and select premium Axis Bank cards continue to offer domestic lounge visits, but Flipkart Axis lost this feature from June 2025 onward. Here are other Axis Bank credit cards with domestic lounge access:

Check this free tool to check lounge access availability in India

FAQs about Axis Bank Credit Cards

Q: Which Axis Bank card gives top rewards for travel?

A: Horizon and MAGNUS remain the premium travel players with accelerated EDGE Miles and lounge benefits.

Q: Can I get a card without income proof?

A: Yes — the FD-backed card works beautifully for that.

Q: What’s the Flipkart Axis card fee?

A: ₹500 joining and ₹500 annual fee

Q: How many EDGE points for voucher redemption?

A: It varies by partner, but devaluations in 2024 reduced redemption values for miles programs.

Q: What if I lose my Axis Bank Credit Card?

A: Call Axis support right away or block through app and request reissue. ([axis.bank.in])

Remember This Before You Apply for an Axis Bank Credit Card

Axis Bank cards today sit in a dynamic position: reliable, functional, but requiring more active awareness after recent devaluations. If you’re like me, living in a tier-2 city, working from home, juggling both Indian and global spends, Axis offers tools to make life smoother without turning credit into chaos.

Ignore the hype. Choose convenience over bragging rights. Learn the fine print once and keep it simple thereafter. That’s how I approach my cards, and that’s how I’d advise anyone starting their own credit journey.