Axis Bank Credit Card Eligibility

If you intend to apply for Axis Bank Credit Card, complying with the Axis Bank Credit Card Apply Eligibility criteria to qualify for the card is the primary requisite. The Bank has certain stipulations with regard to age, income, credit score and nationality of the applicant. There are also co-branded cards where you can avail of special offers and discounts. An example of a co-branded card is the Flipkart Axis Bank Credit Card. The Flipkart Axis Bank Credit Card Apply Eligibility Criteria has to be met if you have to apply for the card. This article is all about the eligibility criteria for customers and non-customers to avail of the Axis Bank Credit Card facility.

Additional Info: Check Axis ACE Credit Credit Card & apply.

The Axis Bank Credit Card Eligibility, in general, is as given below.

Age: The primary cardholder should be aged between 18 years to 70 years at the time of applying for the credit card. The age of the add-on cardholder should be above 15 years.

Nationality: Both Resident and Non-Resident Indians are eligible for the credit card.

Income: The income variant depends on the type of card applied for. The minimum income required ranges from Rs. 15000/- to Rs. 1.50 lakhs/- per month.

Credit Score: The applicant should have a credit score above 750.

Additional Info: Check Axis Bank Credit Card Login in detail.

Axis Bank provides credit cards to existing customers depending on the relationship and the dealings with the Bank. At the same time, the New Applicants have to comply with the Axis Bank Credit Card Apply Online Eligibility criteria stipulated by the Bank. 

• The applicant should be aged between 18 years to 70 years at the time of applying for the credit card.
• For the add-on facility, the add-on member should be above 15 years at the time of applying for the facility.
• The minimum income required varies according to the category of the credit card and ranges from Rs. 15000/- to Rs. 1.50 lakhs per month.
• The credit score of the applicant should be above 750.
• Residents and Non-Residents are eligible for Axis Bank Credit Cards.

Additional info: Check How to Activate Flipkart Axis Bank Credit Card?

The Axis Bank Credit Card Apply Eligibility for Salaried Employees is given below:

• The age of the applicant should be between 18 and 60 years at the time of applying for the card.
• The minimum income should be between Rs. 15000/- to Rs. 1.50 lakhs at the time of applying for the card, depending on the card variant chosen.
• If an add-on facility is required, the add-on member should be above 15 years at the time of applying for the facility.
• The minimum credit score required will be above 750.

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There is no specific Axis Bank Credit Card Eligibility for Students. Axis Bank issues credit cards to students who have availed of an Education Loan or as an add-on facility or against the collateral security of a Fixed Deposit. So if the following aspects are taken care of, then the student will be eligible for the Axis Bank Credit Card along with the benefits associated with the card.

• The student should have approval for an education loan.
• The credit history of the primary cardholders should be satisfactory.
• A fixed deposit for a minimum value of Rs. 25000/- should be provided.

Student cards will not have a limit of more than Rs. 15000/. They can use the card for grocery purchases, purchase of books, payment of bills, for online transactions etc. A cash withdrawal facility will also be enabled for any instant cash requirement.

The minimum income required for Axis Bank Credit Card depends on the Credit Card variant. Given below is the minimum income required for the most popular variants of Axis Bank Credit Card.

To check the Axis Bank Credit Card Eligibility, you will have to follow the steps given below:

• Access the official website of the Bank
• When the credit card page opens, click on the ‘Apply Now” button.
• You will be directed to a page containing a simple application where you will have to give your name, DOB, Contact Details, Employment Details, Income Details, etc.
• Complete the application and submit it.
• An OTP will be sent to your registered mobile number.
• Enter the OTP, and on verification, a list of cards you are eligible for will appear.
• You can choose the card from the list and submit it.
• A representative of the Bank will contact you for further procedures.

You can conveniently track the Axis Bank Credit Card Application Status online. All you have to do is

• Visit the official website of the Bank.
• Select Products and then Credit Cards under the Products 
• Select Credit Card Apply Online option
• Go to Track Your Application option.
• Enter the Application reference ID and Mobile Number
• The status of the application will be displayed on the screen.

Through Customer Care:

You can track the Axis Bank Application Status by calling the Axis Bank Credit Card Customer Care number and providing the application reference ID and mobile number. You can also get the reasons for rejection if the application is rejected so that you can work on the reasons and reapply for the card.

Through Email: 

You can also check the Axis Bank Credit Card Application Status through Email. There is an online Email application form on the Axis Bank Website through which you can request the credit card application status.

• Access the Email form on application.axisbank.co.in/webforms/axis-support/ unregistered-email.aspx
• Enter your Email ID, Name, Mobile Number and Application Reference number
• In the message field, you can provide details of your request along with the PAN, mobile number and application reference number.
• On completion, click on submit.

Your request will be communicated, and you will receive a response within a few days.

Through the bank branch:

You can also check the Axis Bank Credit Card application status by visiting the nearest branch and providing details like name, application reference number and mobile number. 

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There are various factors that affect Axis Bank Credit Card Eligibility as well as the Flipkart Axis Bank Credit Card Eligibility. Read on for the details.

• Income: Income is the main factor that decides the repayment capacity of the applicant. The credit card limit is also based on the income of the applicant. For salaried individuals, the net salary indicated in the salary slip is the determinant, and for the self-employed, the income indicated in the ITR is the determinant.
• Credit Score: The pivotal factor is the Credit Score. All financial institutions use the tool, i.e., the Credit Score, to determine the financial status and the repayment capacity of the applicant. The higher the credit score, the better will be the offer. The minimum credit score required will be 750 and above.
• Relationship with the Bank: If you are already a customer of the Bank and have availed of credit facilities, then dealing with the Bank and the past repayment track of the credit facilities availed will be the deciding factor. The length of the relationship and the past performance are very important for any credit decision.
• Existing commitments: The number of existing loans and credit cards and the outstanding liabilities are the measuring scale to assess your repayment capacity. The debt to income ratio is also crucial for the Bank to decide whether or not you will be able to bear the additional debt burden in the form of the proposed credit card liability.
• Credit limit utilisation: The Bank will also review the credit limit utilisation of existing credit cards, if you have any, in order to gauge your dependence on the credit card for your sustenance.