How to Check Axis Bank Credit Card Eligibility?

How to Check Axis Bank Credit Card Eligibility
How to Check Axis Bank Credit Card Eligibility

Axis credit card eligibility is a big question among several credit card applicants in India. With an ever-growing market share in India’s credit card market, Axis Bank has a plethora of rewarding credit cards to offer its customers. In case you are looking to apply for a new Axis Bank credit card, you are probably wondering what sort of eligibility criteria the issuer requires. Here is a rundown of how you can score a new Axis credit card bypassing all eligibility checks. If you are looking to change your address on Axis bank credit card and don’t know how to change then you can do it quickly by reading How to change address in Axis bank credit card.

Axis Credit Card Eligibility Criteria

1. Age

As is the case with every major bank in India, you need to be a minimum of 18 years of age to apply and be eligible for a new Axis Bank credit card. This holds true even for add-on cardholders. You are automatically eligible for the card once you cross this age. However, there are certain other criteria to keep in mind.

2. Income

Axis Bank requires a minimum flow of income, irrespective of whether you are a salaried professional or a self-employed one.

3. Location

Location serviceability is an important factor when it comes to getting approved for Axis Bank credit cards. While most major pin codes of India are serviced by the private bank, some exceptions definitely exist. In case your pin code isn’t in the list of serviceable areas, you might be out of luck. Do check back after a few months in that case.

4. Credit Score

Once you apply for a new Axis Bank credit card, your credit score is fetched by the bank. It needs to be in good shape with a decent score and no pending payments on your accounts.

5. Nationality

When applying for a credit card with Axis Bank, or in India in general, you need to be either an Indian resident or a Non-Resident Indian (NRI). Foreign nationals cannot apply for credit cards issued by Indian banks.

6. Eligibility Criteria for Salaried Employees

Talking about salaried employees, Axis Bank has certain basic requirements that need to be fulfilled for Axis credit card eligibility.

  • Minimum age of 21 years
  • Maximum age of 65 years
  • Resident of India
  • A valid credit score above 650
  • A minimum annual income of Rs 3.6 lakh
  • Regular flow of income
  • Documents – ID proof, age proof, salary proof

7. Eligibility Criteria for Self-employed

Talking about self-employed professionals, Axis Bank has certain basic requirements that need to be fulfilled for Axis credit card eligibility.

  • Minimum age of 21 years
  • Maximum age of 65 years
  • Resident of India
  • A valid credit score above 650
  • A minimum annual income of Rs XXXX lakh
  • Regular flow of income
  • Documents – ID proof, age proof, salary proof

How to Apply and Track Axis Credit Card Application

You can apply for a new Axis credit card in multiple ways, but Bankkaro is the only place that offers you real Cashback on a successful application.

  • Go to the Axis Bank credit page on our website.
  • Click on “Apply Now”
  • Enter your personal details. Enter your mobile number and click on “Send OTP
  • Fill out the rest of the application
  • Wait for Axis Bank to reach out to you. Once approved, your Cashback will reflect in your wallet.
  • To track your application, log in to our website and go to “Track Application” to see the current status of your Axis credit card application.

How to Improve the Chances of Axis credit Card Eligibility?

Here are some tips and tricks to improve your chances of becoming eligible for your dream Axis credit card.

  • Manage your existing accounts well: Make sure you clear dues on your existing loan and credit card accounts. Also, keep your credit utilization ratio in check before you apply. It shouldn’t be too high to raise a red flag.
  • Improve your relationship with the bank: Axis Bank recognizes its valuable customers. If you have been an Axis Bank user with salary accounts, FDs, Demat accounts, and more, the bank will be keener to provide you with your desired credit card.
  • Mention all sources of income: In case you are self-employed or generally have multiple sources of income, it is better to provide proof for all at the time of application to improve your chances.

For general tips on how to improve your credit score, check out this blog.

Axis Credit Cards and Specific Income Eligibility Criteria

Credit Card Minimum Income Required (for salaried)* Minimum Income Required (for self-employed)*
Rs 4.2 lakhsRs 6 lakhs
Rs 3 lakhsRs 6 lakhs
Rs 12 lakhsRs 12 lakhs
Rs 3.6 lakhsRs 6 lakhs
Rs 1.2 lakhsRs 6 lakhs
N/ARs 12 lakhs
Rs 21 lakhsRs 21 lakhs
Invite-onlyInvite-only
* – per annum

Also here you can check the guide about how you can Redeem Axis edge credit card rewards

FAQs

How do you know if you’re eligible for an Axis credit card?

These are the basic criteria for Axis Bank credit card eligibility:
1. Age
2. Income
3. Location
4. Credit score
5. Nationality

How can I check my Axis Bank credit card limit?

To check your Axis Bank credit card limit, log in to the bank’s net banking or Mobile Banking platform. From here, go to Credit Cards and choose the credit card you wish to see credit limit for. You will be able to view your monthly limit in the account summary.

I am a Non-Resident Indian (NRI). Will I be eligible to avail a credit card through Axis Bank?

When applying for a credit card with Axis Bank, or in India in general, you need to be either an Indian resident or a Non-Resident Indian (NRI).

What should I do if my Axis Bank Credit Card application is rejected?

If your Axis Bank credit card application has been rejected, go back to improving your credit score and make your second application only after about 3 months.

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