Summary
The Axis Bank Platinum Credit Card is a product that is fully feature-rich with user-friendliness, adding to your everyday spending experience, and offering a collection of benefits adapted to the latest needs of users: it is highly recommended for daily use and earning returns.
The most notable feature of this card is its reward program, where you earn 2 reward points for every ₹200 spent domestically and 4 points for international transactions. These points can be redeemed for various options, including vouchers and merchandise, adding extra value to your spending.
The card also has a 1% fuel surcharge waiver across all the fuel stations in India, which can save the daily commuter some pennies on the cost of refueling. Diners can also be rewarded with a maximum discount of 15% at participating restaurants through the Axis Bank Dining Delights program.
Introduction
Axis Bank Platinum Credit Card is an excellent credit card designed for customers who want to earn extra benefits for their daily expenses as well as travel, shopping, and entertainment. Platinum Credit Card offers customers several great reward points, cashback and great offers, allowing them to save on their expenses.
The annual fee of Axis Bank Credit Card is also very affordable, and with Axis Bank Platinum Credit Card you get many additional features like EMI conversion, fuel surcharge waiver, and contactless payment facility. Apart from this, you can also improve your credit score through Platinum Credit Card, as regular payments improve your CIBIL score.
Let us know in detail about the Credit Card through this article its benefits and how to apply for it. Let us also know in detail about this. So read this article till the end so that you do not face any problems later.
What is the Axis Bank Platinum Credit Card?
Credit Card is a premium credit card that offers customers rewards, discounts, and other benefits on their everyday spending. Axis Bank Credit Card is specially designed for customers who are interested in travel, shopping, and entertainment and want to save more on their spending.
With the Platinum Credit Card, customers earn reward points on every purchase, which can be redeemed for many benefits later on. Apart from this, great offers like dining discounts, fuel surcharge waivers, and EMI conversion come along with the Axis Bank Platinum Credit Card.
How is the design of the Axis Bank Platinum Credit Card?
The metallic finish of the card features the Axis Bank logo and provides a sophisticated feel. It features a neat layout with readable card information: card number, name of the holder, and expiration date. Therefore, it remains both convenient and visually appealing. It also integrates an EMV chip to provide improved security, harmonizing form with functionality.
What are the benefits of the Axis Bank Platinum Credit Card?
Here are the major benefits:
- Reward Points on Every Spend
- Get 2 reward points for every ₹200 spent on domestic transactions.
- Get 4 reward points for every ₹200 spent on international transactions.
- Reward points can be redeemed for vouchers, merchandise, and much more through the Axis Bank rewards portal.
- Fuel Surcharge Waiver
- Receive up to 1% fuel surcharge back at all Indian fuel stations with transactions between ₹400 and ₹4,000, which directly saves you that much on the fuel bill.
- Dining Deals
- Avail up to 15% dining privileges through the Axis Bank Dining Delights program, offering you the delights of dining with less expenditure at partner restaurants.
- Global Acceptance
- Millions of places, at home and internationally, accept your card, letting you make flawless and seamless transactions from within the nation as well as internationally.
- Complimentary Insurance Cover
- Complimentary Purchase Protection and Liability Cover against loss or theft of the card for total peace of mind during emergencies
- Flexible EMI Options
- Convert high-value purchases into affordable EMIs with simple and convenient repayment terms.s
- Zero Liability on Lost Card
- Report the loss of your f card immediately and enjoy zero liability on fraudulent transactions; your money is safe.
- Easy Bill Payments
- Use the card for hassle-free utility bill payments with standing instructions to never miss a due date.
What are the fees for the Axis Bank Platinum Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | ₹499 + GST (one-time fee when you get the card). |
Annual Fee | ₹499 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.75% per month (55% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Axis Bank Platinum Credit Card?
The following are the primary requirements:
- To apply for the Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.2 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Platinum Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Axis Bank Platinum Credit Card be used?
Here is the list of places where you can use it:
- With the Platinum Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet service.
- The Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Platinum Credit Card?
The credit amount you can spend is what you are provided with an Axis Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
How do you apply for an Axis Bank Platinum Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Platinum Credit Card.
- Just hover your cursor on the Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest Axis Bank branch to apply for the Platinum Credit Card.
- Request for the credit card application form of the Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting a Platinum Credit Card in 2025 be right?
Yes, getting a Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Platinum Credit Card is the best one for those who wish to enjoy good benefits and facilities with their regular expenses. In addition to earning reward points at every spend, the Credit card provides you with better deals and discounts in various categories like shopping, traveling, and entertainment. The features that come with it, such as fuel surcharge waiver, EMI conversion, and contactless payment facility, make it an affordable option.
The affordable annual fee and better reward system of Axis Bank Credit Card make it different from other cards. Whether you are a shopaholic, a frequent traveler, or simply want to smartly manage your daily expenses, the Credit Card can solve all your financial needs.
Frequently Asked Questions (FAQ’s)
Ans: With the Credit Card, you receive reward points on every spend, which can later be redeemed in the form of shopping vouchers, travel tickets, or other benefits. Also, facilities like fuel surcharge waiver, EMI conversion, and special dining offers are available.
Ans: Reward points on the Credit Card can be very easily redeemed online on the Axis Bank website or through their mobile app. These reward points can be redeemed for shopping vouchers, flight tickets, hotel reservations, and even more.
Ans: Credit Card has many rewards, including cashback, fuel surcharge waiver, travel insurance, EMI facility, and a discount on dining. Axis Bank Platinum Credit Card is internationally known, so you can use it in other countries too.
Ans: Credit Card has been designed with an in-built fuel surcharge waiver facility. In case, you pay there, you take benefit of such a facility.
Ans: Yes. For big expense conversion, you contact customer care or can directly do it with EMI through the mobile application or website provided by Axis Bank.