IKEA Family Credit Card by Axis Bank: Features & Apply

Summary

IKEA Family Credit Card from Axis Bank is a high-end credit card designed for those who visit IKEA frequently. This card, launched together by Axis Bank and IKEA, provides the highest savings, rewards, and convenience to Indian IKEA consumers. One of the largest draws of this card could be that it’s lifetime free, with no joining fee or annual fee, and therefore affordable for everyone.

Cardholders earn 3 EDGE Reward Points on all ₹100 spent at IKEA stores, the website, or the app. You also earn 2 points on dining out and 1 point on other eligible spending, so the meal and other spending can be done on this Credit card, too. These points can be cashed in as vouchers, gifts, and holiday packages through the Axis Bank EDGE Rewards portal.

Another convenience offered is the EMI facility to pay above ₹2,500 at IKEA, by which you get to pay small installments in multiple months at very low rates of interest. This is quite useful while shopping furniture or house articles in large quantities.

Introduction

The IKEA Family Credit Card from Axis Bank is a unique credit card for people who enjoy shopping at IKEA and wish to derive additional benefits from the same. This card is the outcome of an association between IKEA, the globally renowned furniture and home furnishings brand, and Axis Bank, one of India’s top private banks. It provides the best of both worlds—exclusive IKEA rewards and the safe financial services of Axis Bank.

In the contemporary age, credit cards are not only a medium of payment but also a reward medium. Credit cards provide discounts, cashback, reward points, and many more benefits. IKEA Family Credit Card is designed with such contemporary requirements. If you are furnishing a new house, replacing the furniture in your house, or simply enjoy furnishing your house, this card offers you tremendous savings and benefits each time you purchase, particularly at IKEA stores or shop online at the IKEA India website.

One of the biggest advantages of this credit card is that you get a high reward value when you do your shopping at IKEA. You can earn points on all your shopping and then cash them out later. Aside from shopping at IKEA, you can also earn points on purchases made at other places such as restaurants, entertainment venues, grocery stores, and more. It’s not a card to shop at one store—it’s to create value in your everyday life.

Another wonderful aspect of the IKEA Family Credit Card is that it does not have a joining fee. This is simple and inexpensive for most individuals to sign up and use. You also receive a welcome reward when your card is used, like more reward points or a unique discount coupon. This enhances your first shopping experience using the card even further.

What is the IKEA Family Credit Card by Axis Bank?

Axis Bank IKEA Family Credit Card is a special credit card intended for people who adore shopping at IKEA. Axis Bank, in collaboration with IKEA, issues it. The card provides you with rewards, discounts, and numerous advantages whenever you shop for something at IKEA outlets or through the portal of IKEA India. It simplifies home shopping and also reduces expenses.

With this card, you earn points on your expenditures, especially when you buy furniture, home accessories, kitchen utensils, or anything else at IKEA. You earn points even on other daily expenses like eating out, food, and groceries etc. The best part is that there is no membership fee, so it is easy to apply and utilize.

How is the design of the IKEA Family Credit Card by Axis Bank?

The look of Axis Bank. Specifically, IKEA’s Family Credit Card looks similar to their friendly, modern, and attractive look. Plain and light in colour, the card is enhanced by blue and yellow by IKEA. Its front gives professionalism and a sense of humour with the IKEA Family sign and Axis Bank name.

Like other premium credit cards, the card is well made with rich materials and chip embedded to be used for safe transactions. The card is sophisticated, convenient to use, and comfortable to bring when used during dining at a restaurant or even when shopping within a mall. The design overall of the card is minimalist, modest, and depicts IKEA’s plain but modern brand identity.

What are the benefits of the IKEA Family Credit Card by Axis Bank?

The following are the key advantages of this card:

1. Spending-based Reward Points

• Get 3 EDGE Reward Points for every ₹100 spent at IKEA stores, through the IKEA app, or website.

• Get 2 EDGE Reward Points for every ₹100 spent on eating out.

• Get 1 EDGE Reward Point for every ₹100 spent on all other categories.​

• Note that certain categories like transportation, utilities, insurance, education, government offices, wallet loads, rent, and fuel are not rewarded with earning reward points.

2. Reward Redemption Options

• Reward your accumulated EDGE Reward Points for travel bookings and purchases from the EDGE rewards catalogue.

• Use points for IKEA online and offline shopping.

• Each EDGE Reward Point is worth ₹0.20.

3. Lifetime Free Card

• The card charges no join-up or renewal fees, making it an excellent value proposition for customers.

4. Conversion of EMI at Preferential Rates

• Get purchases at IKEA of ₹2,500 or more converted into EMIs at a preferential interest rate of 13% per annum.

• This facility is offered for a tenure of 3 to 24 months.

5. Waiver of Fuel Surcharge

Get a 1% fuel surcharge refund on spends between ₹400 and ₹5,000 with a capping limit of ₹400 per statement cycle.

6. Dining Discounts

• Get up to 15% discount on dining bills under Axis Bank’s Dining Delights Program.

7. Instant Activation

• Get the card asked for at any IKEA store and begin using the card immediately upon approval.

What are the fees for the IKEA Family Credit Card by Axis Bank?

Here is a simple breakup of the IKEA Family Credit Card by Axis Bank fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.5% per month (42% 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IKEA Family Credit Card from Axis Bank?

The following are the primary requirements:

1. To apply for the IKEA Family Credit Card by Axis Bank, 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.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. 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.

5. 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.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. 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 IKEA Family Credit Card from Axis Bank?

The documents that you will have to submit to get an IKEA Family Credit Card by Axis Bank are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IKEA Family Credit Card by Axis Bank be used?

Here is the list of places where you can use it:

• With the IKEA Family Credit Card by Axis Bank, 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 IKEA Family Credit Card by Axis Bank to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The IKEA Family Credit Card by Axis Bank 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 IKEA Family Credit Card by Axis Bank?

The credit amount you can spend is what you are provided with an IKEA Family Credit Card by Axis Bank. 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 IKEA Family Credit Card by Axis Bank?

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 IKEA Family Credit Card by Axis Bank.

• Just hover your cursor on the IKEA Family Credit Card by Axis Bank, 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 you submit 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 IKEA Family Credit Card by Axis Bank.

• Request for the credit card application form of the IKEA Family Credit Card by Axis Bank. They will provide you with the form and proceed accordingly.

• Fill in 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 photograph.

• 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 IKEA Family Credit Card by Axis Bank 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 an IKEA Family Credit Card from Axis Bank in 2025 be right?

Yes, getting an IKEA Family Credit Card by Axis Bank 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

Axis Bank IKEA Family Credit Card is perfect for any individual who enjoys shopping at IKEA and would appreciate receiving more benefits while maintaining the money side within limits. It’s created particularly to offer you more value for your purchases, not just from IKEA stores but also from daily life. Regardless of whether you are buying furniture, house furnishings, appliances for the kitchen, or eating out or gas, this card helps you to save and reward you at the same time.

One of the biggest perks of this card is that there is no joining fee or yearly fee, which means you will not have to pay anything extra to use the card. Added to that, you get points on almost all purchases. These points can thereafter be exchanged for discounts or gift items, thereby rewarding your purchase. In case you are a regular customer of IKEA, the Credit card allows you to earn points faster and accumulate money over time.

Another facility that is of really helpful nature is the EMI facility, under which you can pay big purchases in small monthly installments. This is extremely beneficial for individuals who are establishing a new household or buying costly items like furniture or appliances. It lessens the burden of expenses and allows it to be more comfortable for you to plan your monthly budget.

Frequently Asked Questions (FAQ’s)