Axis Bank Rupay Credit Card

Axis Bank RuPay Credit Cards are designed to meet various customer needs, providing multiple benefits, including seamless and rewarding online transactions through UPI integration.

Cardholders can enjoy various exclusive discounts and advantages such as cashback and vouchers with this credit card. Moreover, these cards offer distinctive features like contactless payment choices and virtual wallets, enhancing transaction convenience and security. Additionally, these credit cards come with competitive interest rates and flexible repayment terms.

Here, you can discover information regarding the specifics, fees, and application process required for the RuPay credit cards of Axis Bank.

Key Highlights of the Axis Bank RuPay Credit Card

Here are the important highlights of Rupay Credit cards offered by the Axis Bank:

Parameter

Axis Bank Indian Oil RuPay Credit Card

Axis Bank Fibe Credit Card

Suitability

Fuel Purchases

UPI and Online Transactions

Offers

As part of the card benefits, you can enjoy a 4% cashback on your fuel expenses, specifically at IndianOil outlets. Moreover, you will be eligible for a complete cashback of 100%, capped at ₹250, for all fuel transactions made within the initial 30 days of receiving your card.

It is a lifetime free credit card with airport lounge access and up to 3% cashback on spends. 

Salary/Income Limit

Salaried or Self-Employed

Salaried or Self-Employed

Renewal Charges

Nil

Nil

Benefits of Axis RuPay Credit Card

Some of the Axis Bank Rupay credit card benefits and core features are listed below:

Axis Bank Indian Oil RuPay Credit Card

  • Welcome Offer: The cardholder can receive a complete cashback of 100%, capped at ₹250, for all fuel transactions made during the initial 30 days after obtaining the card.
  • BookMyShow Discount: The user can receive a 10% instant discount when booking movie tickets via the BookMyShow website.
  • Annual Fee Waiver: The annual fee of the user is waived if the annual spending exceeds ₹50,000.
  • Online Shopping Rewards: For online shopping transactions with a minimum value of ₹100, the user can earn 5 reward points for every ₹100 spent, determined by the Merchant Category Code (MCC).
  • Fuel Surcharge Waiver: The user can enjoy a 1% fuel surcharge waiver for fuel spent between ₹200 and ₹5,000.
  • General Spends Rewards: For any other transactions, the user can accumulate 1 reward point for every ₹100 spent, with a monthly spending cap of ₹5,000.
  • Fuel Spends Rewards: The user has the chance to accumulate 20 reward points for each ₹100 spent on fuel at Indian Oil Corporation (IOC) Terminals.
  • Dining Discounts: The user can enjoy up to a 15% discount at partner restaurants through the EazyDiner program.

Axis Bank Fibe Credit Card

  • Cashback Offers: There is a 3% cashback feature for food delivery, entertainment, and any kind of local transportation. There is 1% cashback on other kinds of spending. 
  • Credit Available on UPI: When the credit card is linked with UPI applications, the user can avail quick and seamless UPI experiences. 
  • Airport Lounge Access: Four complimentary domestic lounge visit options are available in selected lounges in a year. 
  • Lifetime Free Credit Card: It is a lifetime free credit card with no annual or renewal charges.

Charges & Fees Applicable on Axis Bank RuPay Credit Card

The prominent charges of the cards include:

Charges

Axis Bank Indian Oil RuPay Credit Card

Axis Bank Fibe Credit Card

Joining Fee

₹500

Nil

Annual Fee

1st Year – NIL

2nd Year Onwards – ₹500

Nil

Add-On Charges

Nil

Nil

Late Payment Fee Applicable

The late charges applied to both the Rupay cards of Axis Bank are as follows:

Outstanding Balance

Charges

Below ₹500

No charge

Between ₹501 and ₹5,000

₹500

Between ₹5,001 and ₹10,000

₹750

₹10,001 and Above

₹1,200

Eligibility Criteria to Apply

The eligibility to apply for these credit cards is as follows:

Parameter

Axis Bank Indian Oil RuPay Credit Card

Axis Bank Fibe Credit Card

Nationality

Indian

Age

18 – 70 Years of Age

Employment

Salaried or Self-Employed

Documents Required to Apply for the Axis Rupay Credit Cards

During the application process, several essential documents must be submitted. Below are some of the significant documents required:

  • PAN Card Photo Copy or Form 60
  • Color Photograph of the Applicant
  • Income Proof (ITR, Form 16, Latest Pay Slip)
  • Identification Proof (Aadhaar, PAN, Passport, Driver's license)
  • Address Proof (Aadhaar, Voter ID, Ration, Passport)

How to Apply for Axis Rupay Credit Card

Here's a step-by-step guide on applying for this Rupay Credit Card from Axis Bank-

Step 1: Visit the official Axis Bank website. Once there, navigate to the "Apply Credit Card" section, which will appear at the top of the screen.

Step 2: Browse through the various credit card options offered by Axis Bank, explicitly focusing on RuPay Credit Cards. Each card comes with its unique features and benefits.

Step 3: Choose the RuPay credit card that aligns best with your requirements, considering features, benefits, and your spending habits.

Step 4: Before proceeding with the application, verify that you meet Axis Bank's eligibility criteria. This may include factors such as age, income, and credit score.

Step 5:  Fill out the online application form with accurate and current information. The form typically requests personal details, contact information, employment specifics, and income details.

Step 6: Upload or submit the required documents, such as proof of identity, address, and income. Document requirements may vary, so refer to the provided guidelines during the application process.

Step 7: Axis Bank will review your application and submitted documents. If additional information is necessary, they may contact you for clarification.

Step 8: Once your application undergoes review, await the bank's decision. If approved, you will be notified, and the Axis Bank RuPay Credit Card will be issued to your registered address.

Credit Cards Similar to the Axis Rupay Credit Card

Some of the other similar cards are as follows-

Card Name

Characteristics

ICICI Bank HPCL Super Saver Credit Card

  • The cardholder can enjoy a 25% discount, limited to Rs 100, when purchasing a minimum of two tickets per transaction.
  • The cardholder can receive 2,000 reward points and Rs. 100 cashback when using the HP Pay app.
  • The standout feature includes a 4% cashback on all fuel expenses made at HPCL fuel pumps.

BPCL SBI Credit Card

  • The cardholder can enjoy a surcharge waiver of up to Rs. 100 monthly at BPCL petrol pumps nationwide.
  • Additionally, there are annual fuel savings equivalent to 70 litres.
  • The card offers a 4.25% value back, earning 13 times the points on fuel purchases at BPCL petrol pumps, with a maximum of 1300 reward points per billing cycle.

Citi IndianOil Platinum Credit Card

  • The cardholder can receive 250 Turbo Points as a welcome gift by making the first transaction within 30 days of card activation.
  • Additionally, they can avail themselves of up to a 20% discount on dining expenses at numerous participating restaurants with the IndianOil Citi Credit Card.
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