Summary
The Axis Bank Signature Credit Card is a premium card to enriches the lifestyle of its customers through a plethora of benefits and privileges. This is ideal for those who quite often indulge in traveling, dining, shopping, and other entertainment activities; hence it offers an utmost credit limit with attractive rewards and cash-back options as well.
Cardholders have exclusive perks that include free entry into airport lounges, tremendous savings on miscellaneous expenses, and low fees when making foreign transactions. The card also rewards all spends with points that can be redeemed for gifts, and vouchers, among other things. Its sleek elegant design makes it premium.
Introduction
With the Axis Bank Signature Credit Card, one can experience several wonderful facilities like free access to airport lounges, special savings on shopping and dining, and minimal fees on foreign transactions. More than this, with every single spend at Axis Bank Signature Credit Card, points are accumulated which can be availed in several gift vouchers, discount coupons, and much more.
Credit Card is also suitable for frequent travelers as it includes free access to domestic and international airport lounges. Apart from this, with the Axis Bank Signature Credit Card, you can avail of low foreign exchange charges during international shopping, making it ideal for foreign travel.
Let us know in detail about Axis Bank 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 Signature Credit Card?
Axis Bank Signature Credit Card has been designed for its premium customers specifically for added benefits and exclusive privileges on spending. Being one of the most high-class credit cards for any customer in his or her pursuit of meeting day-to-day demands and luxury at times, Axis Bank Signature Credit Card presents a cardholder with hundreds of exclusive rewards.
Credit Card not only offers a high credit limit but also various other interesting rewards, such as special discounts on traveling, shopping, dining, and entertainment. Thus, for people who want to get maximum value from their spending, the Axis Bank Signature Credit Card is quite ideal for enriching their lifestyle.
How is the design of the Axis Bank Signature Credit Card?
It has a very modern look and, at the same time, quite elegant; hence, sleek in design with some combination of colors that would provide a premium look. Normally, the card includes the Axis Bank logo as well as the Signature branding to make it sophisticated-looking.
The card also has a finish to it which is smooth. The color theme usually tends to be a black, silver, or gold blend depending on the version of the card. This makes it not only pretty but uniquely different from other credit cards.
What are the benefits of the Axis Bank Signature Credit Card?
Some of its significant advantages are the following:
- Reward points on all your transactions: More reward points for your daily purchases. For example, you gain 6 reward points for each ₹200 you spend on dining, shopping, and travel bookings.
- Welcome bonus: The majority of the cards carry a welcome bonus provided for new customers as free reward points and gifts.
- Complimentary Lounge Access: Get free access to select airport lounges, so your travel is made comfortable.
- Exclusive Discounts: You get exclusive offers on dining, shopping, and entertainment across various brands and retailers.
- Travel Benefits: Enjoy discounts and offers on flight bookings, hotel stays, and car rentals through partnered travel portals.
- Reward Points Redemption The many reward points one has collected can be redeemed for numerous items, such as gifts, vouchers, and even cash back.
What are the fees for the Axis Bank Signature Credit Card?
Here is a simple breakup of the Credit Card fees.
Joining Fee | ₹4,999 + GST (one-time fee when you get the card). |
Annual Fee | ₹4,999 = GST per year. This will be waived if you spend ₹3,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.5% per month (49% 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 Signature Credit Card?
The following are the primary requirements:
- To apply for the Axis Bank Signature Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.5 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.
- You must be an Indian resident and have valid address proof within the country.
- 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 an Axis Bank Signature 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 Signature Credit Card be used?
Here is the list of places where you can use it:
- With the Signature Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Signature Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Axis Bank 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 Signature Credit Card?
The credit amount you can spend is what you are provided with a 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.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Axis Bank Signature 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 Signature Credit Card.
- Just hover your cursor on the Axis Bank Signature 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 Credit Card.
- Request for the credit card application form of the Axis Bank Signature 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 Axis Bank Signature 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 Signature Credit Card in 2025 be right?
Yes, getting an Axis Bank Signature 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
This card is a unique choice, as it includes features such as reward points, airport lounge access, and cashback. Along with a higher credit limit and better discounts, the Credit Card gives you financial security.
If you want a better experience in life, then you surely need to spend wisely and handle your expenses perfectly. In this regard, you can opt for the Axis Bank Signature Credit Card.
Frequently Asked Questions (FAQ’s)
Ans: Yes, Signature Credit Card comes with an annual fee of ₹4,999 + GST. But in relative terms, it is not much if its benefits are weighed against it.
Ans: Credit Card has a variety of reward points, 2 free airport lounge accesses in each quarter, and cash back in movies and restaurant coupons, etc. It also includes shopping and fuel rewards, and extra deals are made for its credit card holders.
Ans: Axis Bank Credit Card is available for individuals between 21 and 65 years of age, are Indian citizens, and have a minimum annual income of ₹9 lakh. Apart from this, you should have a good credit score.
Ans: You will require identity proof (PAN card, Aadhaar card), address proof (driving license, passport), and income proof (salary slip, bank statement).
Ans: Yes, you can convert the shopping amount into EMIs using your Signature Credit Card.