Axis Bank Credit Card Eligibility

Before you apply, check if you meet the following Axis Bank Credit Card eligibility criteria: 

• Age between 18 to 70 years

• Salaried or self-employed with a regular source of income 

• Indian Resident or a Non-Resident Indian (NRI)

• Good credit score and credit history 

• Over 15 years old to be an add-on cardholder

• Minimum net income of at least ₹6 Lakhs per annum for select cards
  

Here is the general list of documents you can have on hand before filling out your digital application on Bajaj Markets:

• Proof of Identity: 

  • Copy of Form 60

  • PAN Card

• Proof of Residence

  • Utility bill (electricity, landline telephone)

  • Driving licence

  • Passport

  • Aadhaar card

• Proof of Income

  • Income Tax Returns (ITR)

  • Latest salary slips (past 2-3 months)

  • Form 16

Apply for credit cards you are eligible for with confidence. Browse a range of Axis Bank credit cards and opt for one suited to your eligibility and requirements on Bajaj Markets. 

All you have to do is:

• Visit the eligibility calculator and enter your employment information

• Submit details such as your mobile number and date of birth 

• Click on ‘Check Eligibility’ and continue

Here is a detailed look into the factors affecting your eligibility.

• Credit Score

Axis Bank gives special attention to your score from credit bureaus like TransUnion CIBIL, Equifax, Experian, or CRIF High Mark. This score reveals your history with credit, current debts, and other relevant information. Usually, a score above 700 is considered apt to be eligible for a credit card.

• Income/Salary

Your earnings must meet Axis Bank's specific requirements for the card variant you are applying for. Ensure you have documents to showcase your income from different sources, be it active or passive.

• Work/Job Stability

Regular earnings assure credit card issuers that you have the means to pay your bills on time. Salary slips over consecutive months or recurring income credits in your bank statements can help you showcase this. 

If you want to be eligible for a credit card that offers premium benefits, consider these tips:

• If you already hold a card, pay your bills by the payment due date on a regular basis 

• Read and understand your credit report regularly to check for mistakes and shortfalls

• Avoid closing credit cards that still have pending bills to be cleared

• Stay alert for pre-approved credit card offers from Axis Bank

• Clear off existing debt before contacting the issuer for a better card

• Apply for a new credit card only if you meet the income criteria or once you fall in the specified income bucket

• Keep a high balance in your Axis Bank savings account

• Reduce your credit utilisation ratio and try other methods to improve your credit score 

In case you are not able to meet Axis Bank’s eligibility criteria, here are a few options you can consider to get access to credit:

• Consider Cards From Other Issuers

Check if you meet the criteria of other credit card issuers as their eligibility terms may be different. By entering your information on the eligibility calculator on Bajaj Markets, you may find other cards that you qualify for.

• Opt for a Secured Credit Card

Use your fixed deposit as collateral to get an FD-backed credit card. Use it wisely to build your credit score. As your income and score increase, you can apply for a regular credit card from any issuer.

• Get a Personal Loan

If you need funds for a wedding, medical treatment, home improvement, or more, apply for a personal loan. Choose an issuer with simple eligibility terms and choose from flexible tenor options to repay comfortably.

• Use the Overdraft Facility

Get a limited credit extension basis your banking relationship with an issuer with whom you hold a bank account. You can even access this facility through ATMs by opting for the overdraft (OD) option. It is best suited for modest, short-term needs.