Read This to Know Axis Bank Credit Card Offers

Owning a credit card is a wonderful thing, don’t you agree? Having a card in your wallet not only gives you a proud feeling but also keeps you away from a hassle of carrying the cash. These well-designed masterpieces are not only easy to carry but they also come handy to meet various personal needs. 

This is the reason that many people these days, prefer to own a credit card that can cater their multiple needs. When it comes to a credit card, it would not be wrong to say that it comes with a host of features and benefits to avail. 

 Moreover, if we talk about the lucrative offers and privileges offered by these masterpieces, they cater varied needs of a user and are there to make the life simpler. 

So, today in this article, we are going to talk about Axis Bank Credit Card Offers so that you can be aware of the multiple benefits and privileges coming your way.  

Well, there are many cards offered by the Axis Bank but today we will let you know some of the top-selling cards, known for offering a host of exciting features, privileges and discounts that can capture your imagination. All you need to do is simply read the article below…

My Zone Credit Card

Joining Fee (₹500 Waived on spends of ₹5000 in 45 days), Annual Fee (NIL for First Year,₹500 from 2nd Year)

Offers

• Get 4-40 points on spending ₹200 on every purchase
• Avail 100 points on your transaction via using card
• Enjoy 10x points on weekend dining
• Get 5x points on your weekend shopping
• Enjoy a host of exciting offers on movie ticket booking, dining, shopping, etc.

Axis Bank Privilege Credit Card

Joining Fee ₹1500, NIL for Priority Customers, Annual Fee-₹1500 from 2nd year onward

Offers

• Swipe your card thrice within 2 months and get a Yatra Voucher worth ₹ 5000
• On spending ₹ 2.5 lakhs, avail a Yatra Voucher worth ₹5,000
• Enjoy 10 points on spending ₹ 200 via card domestically/internationally

Axis Bank Neo Credit Card

Joining Fee (₹250 Waived on a spend of ₹2500 in 45 days), Annual Fee (NIL in First Year,

₹250 from second year onward)

Offers

• Get BookMyShow Vouchers worth  ₹ 200 on using your card
• Shop online at Jabong and get a gift voucher of  ₹ 500
• Enjoy 10% discount on every cashback including movie tickets, mobile recharge, online shopping and more.

Axis Bank My Wings Credit Card

Joining Fee (₹1,200), Annual Fee (NIL in First Year, ₹500 from 2nd Year Onward)

Offers

• Avail 2 complimentary flight tickets
• Get 20% cashback on flight tickets with maximum of ₹500 per ticket
• Enjoy hotels and holiday vouchers worth ₹10,000
• Get 100 points while doing the first online transaction

Axis Bank Vistara Signature Credit Card

Joining Fee (₹3,000), Annual Fee-₹3,000

Offers

• Enjoy a welcome gift of complimentary premium economy class air ticket.
• Get exclusive Club Vistara Silver Membership privileges such as priority check-in, additional baggage allowance, etc.
• On every spend of ₹200, get 4 CV points
• Spend ₹1.50 lakh-4.50 lakhs a year and get 1 premium economy class ticket
• Spend ₹75,000 in a year and enjoy 3,000 bonus reward points
• Get complimentary lounge access at select airports within India by using this card.
• Save 15% on dining at partner restaurants with Axis Bank Dining Delights
• Enjoy Extraordinary Weekends program

Axis Bank Miles and More World Credit Card

Joining Fee (₹3,500),  Annual Fee-₹4,500

Offers

• Earn 5000 miles as welcome bonus after using this card
• Get annual bonus miles of 3,000
• Every 200 eligible spend to greet you with 4 miles
• Every 200 eligible spends on movie bookings to fetch 20 miles
• Use these miles as per your convenience without worrying about miles
• By using your card, pay bills anytime from anywhere
• Get an option to avail home loan with this card
• Save a lot using this card while buying house or investment in a property

Axis Bank My Business Credit Card

Joining Fee (₹999), Annual Fee-NIL in First Year (₹499 from 2nd Second Year Onward)

Offers

• Get 1% fuel surcharge waiver on all fuel transactions worth ₹400-4,000
• Enjoy complimentary lounge access, twice in every three months
• Avail 30% cash from your credit limit even when you are overseas

So, now that you know Credit Card, hope you will pick your card wisely, suiting your lifestyle.

Which Axis Bank Credit Card You Want to Apply for - My Zone, Neo or Buzz?

Axis Bank is an epitome of trust and excellence when it comes to offering the products and services to the customers. The private lender not only offers loans but even credit cards to suit the desires of shoppers across the country. 

It has cards meant for shopping, travelling, rewards ICICI Bank is one of the top private banks in India which has a massive customer reach from different income groups. The bank was also the first one to initiated 24X7 money deposit machines.and several other purposes. So read Axis Bank Credit Card and choose a one that resonates with your wish.

Axis Bank Credit Card Types

Axis Bank offers a host of credit cards such as Axis Bank My Zone Credit Card, Axis Bank Neo Credit Card, Axis Bank Buzz Credit Card, and much more. Let’s read these cards before applying for any of them.

Axis Bank My Zone Credit Card

This credit card has a bundle of exciting features to incite the shopper in you. So glance at those below.

• Enjoy a cashback of 25% on movie tickets purchased both online and at the box office. The cashback amount, however, is limited to ₹1,000 in a calendar year.
• Earn 4-40 reward points for spending every ₹200.
• Get 100 points for the first online transaction
• Grab 10X reward points on weekend dining
• Earn 5X points on weekend shopping
• Get complimentary access to domestic airport lounges in India
• Enjoy fuel surcharge waiver on transactions worth between ₹400-4,000, maximum benefits capped to ₹400 in a month.
• Get a minimum 15% discount while dining at partner restaurants in India

Fees & Charges

• Joining Fee - ₹500, waived on a spend of 5,000 in 45 days
• Annual Fee - NIL for the first year

                             - ₹500 for second year onward

• Finance Charges - 3.25% per month
• Late Payment Charges - ₹100 -700

Axis Bank Neo Credit Card

Check out the benefits of the card in the following lines.

• Get a welcome gift worth ₹300 from BookMyShow
• Enjoy a minimum 15% discount at partner restaurants across India
• Shop at Jabong with a welcome gift voucher worth ₹500
• Get 10% off every time by shopping for a minimum of ₹500 at Myntra
• Enjoy 10% discount on purchasing every movie ticket on BookMyShow. The benefit is capped at ₹50 per month.
• Grab 10% discount on every bus ticket reservation on redBus, subject to a maximum of ₹100 in a month.

Fees & Charges

• Joining Fee - ₹250, waived on a spend of ₹2,500 in 45 days
• Annual Fee - NIL for the first year

                             - ₹250 from second year onward

• Finance Charges - 3.25% per month
• Late Payment Charges - ₹100 -700

Axis Bank Buzz Credit Card

True to the name, the card stays abuzz with the following features and benefits.

• A welcome gift voucher worth ₹1,000 on making three purchases within the first 45 days
• Enjoy 5% discount shopping at Flipkart. The benefit is limited to a maximum of ₹200 in a month
• Earn 6 eDGE reward points for spending every ₹200 online.
• Get 2 reward points for spending every ₹200.
• Enjoy a minimum discount of 15% at partner restaurants in India
• Get Flipkart Vouchers worth ₹500-2,500 on an annual spend of 25,000-1,00,000 on the e-commerce portal
• Flipkart vouchers worth ₹1,000-2,000 applicable on a total spend of ₹1,00,000-2,00,000 in a year
• Get Price Protection Cover while shopping for a minimum purchase value of ₹2,500 on Snapdeal, Flipkart and Amazon. The cover will ensure the reimbursement of difference between the price paid with the said Axis Bank credit card for an item and a lower price available for the same item.

Fees & Charges

• Joining Fee - ₹750
• Annual Fee - NIL for the first year

                             - ₹750 from second year onward

• Finance Charges - 3.25% per month
• Late Payment Charges - ₹100-700

Axis Bank Credit Card Eligibility

You must deserve to get something, and this say fits aptly in the case of the credit cards explained above. Below are the eligibility criteria you must meet to gain a hassle-free approval for the cards.

• Both Indian nationals and non-resident Indians (NRIs) are eligible to apply for a credit card

• The age of a primary cardholder must be 18-70 years
• The age of an add-on cardholder should be more than 15 years

How to Apply for Axis Bank Credit Card Online?

Now it’s time to apply, isn’t it? Just visit the official website of Axis Bank and apply for the cards you want to. Go to credit card section and click on ‘Apply Now’ underneath the cards you want. You need to fill relevant personal and professional details before clicking on the submit button to get the application processed to Axis Bank desk. The bank will check the details thoroughly before giving a nod to your application.

For a Seamless Personal Loan Journey: Read This

Planning a long vacation in the Bahamas, don’t have enough cash? Interested in buying an expensive home appliance but lack of funds is a problem?  Want to pay your credit card debt but your savings are not enough? 

 Well, no matter what could be the personal reason you have, it would not be wrong to say that availing a personal loan is a big- time solution to meet all your needs. Right from travelling, credit card debt to home renovation, wedding and so on, a personal loan comes handy to fulfill all your needs in a hassle-free manner. It is easy to avail the same with minimal documentation and fewer formalities and in return it offers numerous features and benefits, making your loan journey a memorable experience.

But when it comes to availing the same, many loan-seekers think that it is absolutely easy. Well, though the process is seamless and transparent, there are some key factors that one should always keep in mind in order to grab the best deal. Today, in this article, we are going to tell you those hidden factors that play a key role in your overall loan journey. So, without wasting any time further let’s discuss those points in the article below.

Interest Rate: The most important thing that you should always consider while availing this unsecured credit is the interest rate. Different banks and NBFCs offer different rates to the applicants, depending upon their eligibility. But, if we talk in general, the interest rates range between 10.99%-25% per annum for all. However, this is the minimum and maximum range offered by the lenders and it could vary from applicant to applicant.

Loan Amount: Before applying for a loan in your favorite bank, it is important to check whether that lender offers the loan amount that you required or not. If we talk about the loan amount offered by the lenders, the minimum amount is ₹50,000 and maximum can go upto ₹40 Lakh. So, check the loan amount criteria before applying with your favorite lender.

Tenure: Next factor to look after is the tenure of a personal loan that usually ranges between 1-5 years (12-60 months). Majority of the renowned lenders offer this loan repayment period. It totally depends upon an applicant which tenure he/she selects to repay the loan. The shorter the tenure, the more amount you need to pay as your monthly installment. And, the reverse will happen, if you keep your tenure longer, the EMI burden will be less but your Interest and Total Amount Payable would increase. So, it’s always the applicant’s call, which tenure he/she wants to choose.

Credit Score: Not many pay attention to this but it is no doubt one of the most crucial factors to keep in mind, affecting your loan journey. Before offering the loan to the applicants, the lenders do check the credit/cibil score just to check the profile of an individual. Keeping a track on credit history allows lenders to know whether an applicant has defaulted earlier or not. The score usually ranges between 300 to 900 and if the score is good, there are high chances that an applicant can avail a loan at lower rates. A score of 700-750 out of 900 is considered to be a good score that can help you grab the best loan deal. And, you know the interesting part? Now a person can check his/her score anytime in just 2 minutes. Read below about the same.

How to Check CIBIL Score Online?

Nowadays, there are many reliable sites that offer you this facility, wherein you can online check your score for free. All you need is your PAN Card and you are done! The process is seamless and transparent and it takes only 2 minutes to check your score. Not only this, your CIBIL Report is also sent to you absolutely free. Read the article below to know the steps.

Steps to Check CIBIL Score by PAN Card

Step 1: Open the CIBIL Page

Step 2: Enter your Name( as per PAN), Date of Birth, Gender, PAN Number

Step 3: Give your Contact Details such as Current Residence Address, Email ID & Mobile Number

Step 4: Agree to the Terms and Conditions

Step 5: Click on Submit Button

Eligibility Criteria: Different banks have different eligibility norms which an applicant needs to meet at the time of availing a loan. These norms include age, income, work experience, job stability, employment type (salaried/self-employed), etc. The lenders do keep these factors in mind while offering the loan to the applicants.

Documentation: Without a complete list of documents, it is not at all easy for an applicant to apply or avail a personal loan. You need to keep all the documents ready, if you want a seamless and a hassle-free process. Few required documents are as:

• Loan Application Form
• Passport Size Photograph
• Identity & Address Proof
• Salary Slips of Last 3 Months
• Last 6 Months Bank Statements
• Audited Financials for the Last 2 Years

 

  

Read This For a Complete Insight on SBI Home Loan EMI Calculator

So now that you have decided to avail a home loan and that too from State Bank of India, let’s just know more about the same. State Bank of India (SBI), being country’s largest lender is worldwide known for offering a wide of financial services. And, talking about its financial segment, it would not be wrong to say that Home Loan offered by the bank has always been in demand, best known for fulfilling the dream home wish of many. 

If we talk more about this product, it comes with attractive interest rates, flexible tenures and hassle-free & transparent process, hence is the most preferred choice of many loan seekers in the country. Well, now that we are talking about the same, it is important to discuss SBI Home Loan EMI Calculator in order to give you a better understanding of the same.

Moreover, this smart and time-saving tool with its well-designed algorithms gives you the exact calculations of your monthly installments in just a few seconds. And, you know the best part? The device not only works for your EMI but it also calculates your Interest Outgo and Total Amount Payable in a hassle-free manner. This magical tool allows you to know the exact calculations of your monthly installment, hence makes your loan journey a hassle-free experience. The device after taking into consideration:

• Loan Amount
• Interest Rate
• Tenure

Fetches the values for you without keeping you waiting for so long. The functionality of this tool helps a lot in planning the future expenses so that you can easily manage your monthly installments. For a better understanding, let’s just take the help from an example below.

Suppose, Akash Sharma, a 30-year-old, Content Writer by profession is looking for a home loan of ₹30 Lakh in New Delhi. Thus, he has applied for the same and after evaluating his profile SBI agreed to offer him the loan at an interest rate of 8.30% for a tenure of 30 years. Though Akash was happy but at the same time he was confused and curious to know what would be his monthly installments? What would be the exact amount he needs to pay to the lender so as to repay his loan. Thus, to clear all his doubts, he used an EMI Calculator so as to know the exact calculations of his EMI, Interest Outgo and Total Amount Payable. And, the values came out to be: ₹ 22,644, ₹ 51,51,673 and ₹ 81,51,673. So in Akash’s case, it would be easy to repay a loan as he finds the EMI amount to be pocket-friendly.

This is the reason that why many loan-seekers prefer to use this online tool in order to know the exact amount of EMI, Interest Outgo and Total Amount Payable towards a loan. However, this thoughtfully designed tool is not only known for EMI calculations, in fact, it is loaded with plenty of other spectacular features which, makes it all the more exciting.  So, let’s just know all of them one-by-one.

Time Saving: The moment you feed the values into the calculator, it fetches the results for you instantly. It solves the complex calculations within few seconds, hence allows you to save a lot of time. It is quick and fast, thus is a preferred choice of many loan seekers.

Easy to Use: It is easy to use this smart device as all you need to do is simply feed the loan amount, tenure and interest rate and you are done. There is no hassle as an individual only need to know the above values and just need to put the same into the calculator in order to get the exact results

24X7 Available: The best part about SBI Home Loan is that it is available to you all the time. Yes, being online available, a user can access the same anytime and know the exact calculation of Monthly Installments and Interest Outgo.

Accuracy: When an EMI Calculator is there, you don’t need to bother about accuracy. The device is not only fast, reliable but it is accurate as well, best known for giving the precise results in the least time frame.