Axis Bank Credit Card Eligibility

• Applicant must be between age of 18-70 Years for Primary Card Holders.
  
• Check with the bank for minimum salary income required.
• Applicants should either be a resident of India or a Non-Resident Indian. 

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Neo Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• Applicant must be age of above 18 Years for Add on Cards.
• Check with the bank for minimum salary income required.
• Applicants should either be a resident of India or a Non-Resident Indian. 

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Privilege Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• Applicant must be age of above 18 Years for Add on Cards.
  

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Miles and More Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• Applicant must be age of above 18 Years for Add on Cards.
• Applicants should be residents of India. 
• Check with the bank for minimum salary income required

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Select Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• The Minimum income salary for this card is Rs.6 lakh p.a..

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Pride Platinum Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• Applicant must be age of above 18 Years for Add on Cards.
• Check with the bank for minimum salary income required.

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Axis Bank Pride Signature Credit Card

Eligibility Criteria

• Applicant must be between age of 18-70 Years for Primary Card Holders.
• Applicant must be age of above 18 Years for Add on Cards.
• This card is available to Indian defence personnel. 
• Check with the bank for minimum salary income required.

Documents Required

• KYC-PAN, Address proof and ID Proof
• One photograph, Salary slip/Form 16

Documents Required to Apply for an Axis Bank Credit Card

• Identity Proof and Residential proof: (any one of the following)
  • Ration Card
  • Electricity or Telephone bill
  • Passport
• Proof of income: (any one of the following)
  • Latest Salary slip
  • Form 16
  • Income Tax Returns
• Permanent Account Number (PAN) card
• Form 60 (if PAN is unavailable)

Factors that Affect your Axis Bank Credit Card Eligibility

There are many factors that affect your axis bank credit card apply eligibility criteria. Some of the factors are as follows:

• Age: When you apply for a credit card, lenders consider your age. You will be required to meet the age criteria set by the bank. If you barely meet the minimum age criteria set by the bank, chances are that you do not have sufficient credit history. In that case, you might want to build your credit history before applying for a credit card.
• Total income: Your income plays a crucial role when you apply for a credit card. Do not forget to include all your monthly earnings when you apply for a credit card. The chances of your credit card application being approved are high when you have a high monthly income.
• Debt-to-Income Ratio (DTI): Before applying for a credit card, it is recommended to calculate your Debt-to-Income Ratio. A DTI is calculated by dividing your total gross monthly debt by your monthly income.
• Credit score: The credit reporting agencies in India, namely TransUnion, Equifax, and Experian calculates your credit score from time to time. A credit score can range from 300 to 900. A high credit score increases your creditworthiness. A poor credit score has the potential to get your credit card application rejected.
• Lack of credit history: If you are a student or just started working, you might not have a credit history. In this case, lenders will not be able to assess your repayment capacity or your creditworthiness and your application may be rejected.

Other Factors

• Multiple credit inquiries
• A high outstanding amount on your existing credit cards
• Number of credit cards you own
• Recent delinquency on your credit report
• "Charge-off" or "Settled" remark on your credit report
• Job stability

How to Improve your Axis Bank Credit Card Eligibility

If your credit card application is rejected, you can apply again after improving your eligibility. Some of the ways you can improve your credit card eligibility are:

• Increase your credit score.
• Pay all your bills on time.
• Avoid making multiple hard enquiries for credit cards.
• Maintain a good Debt-to-Income Ratio.
• If you have an existing credit card, maintain a good credit utilisation ratio and pay your bills on time.
• Avoid cheque bonuses, late fees, and penalties on all your active lines of credit.
• Consider increasing your income and reducing your total debt to get better credit card deals.

Summary

Axis Bank credit card eligibility requires the primary cardholder to be between 18 and 70 years old, with income, residency and document requirements that vary by card variant. Review the criteria listed for each card, keep your income proof, PAN and residence proof ready, and improve your credit score before you apply. Once you meet the criteria for your chosen Axis Bank credit card, you can apply online through BankBazaar. 

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