Can I avail a loan with my Axis Bank credit card?

Yes, you can avail a loan with your Axis Bank credit card through the "Instant Loan" feature offered by the bank. The application process is very simple and there is a low processing charge of 1.5 percent. You avail an instant loan on your Axis Bank credit card, call the customer service team of the bank or send ‘ILW’ as a SMS to 5676782. If approved, the loan amount will be transferred to your savings account with Axis Bank, or to your savings account with any other bank as requested by you, in case you do not have any savings account with Axis Bank.

What are the tenures available with the HELLO-EMI option?

With the help of the HELLO-EMI option available on your Axis Bank credit card, you can convert your credit card purchases into EMIs with tenures of 3 months, 6 months, 9 months or 12 months. You can calculate your EMI by using an online EMI calculator.

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Axis Bank Titanium Smart Traveler Credit Card

Travelling is a passion for many people across the planet as it helps them to explore new places and meet new people. There are many who also travel frequently to expand their business or as part of their jobs. If you are someone who travels on a regular basis, you will benefit from a credit card that can offer you with travel rewards. The Axis Bank Titanium Smart Traveler Credit Card is one such card which can offer you with a more rewarding experience every time you travel anywhere in India and abroad. It will also help you to save money through a range of deals for travel, shopping, dining etc.

Axis Bank is one of the most reputed credit card issuers in India and the bank offers a variety of financial products that are designed keeping in mind the various needs of the Indian customers. The bank offers credit cards for people with all kinds of lifestyles and helps them to save money and enjoy different types of lucrative deals and promotions. As the name suggests, the Titanium Smart Traveler Credit Card from Axis Bank is a card that can offer people with exclusive deals and benefits. You should have a good credit history to be eligible for this credit card.

Axis Bank Titanium Smart Traveler Credit Card Features

Earn reward points in the form of Edge Reward Points for most of your purchases with this Axis Bank credit card.
Earn 4 Edge Loyalty Points every time you spend Rs 100 with this card while traveling to a foreign country.
Earn 2 Edge Loyalty Points every time you spend Rs 100 with this card in India for holiday packages, hotel bookings and bus, train and flight bookings and earn 1 Edge Point every time you spend Rs 100 on all other transactions.
Earn 2X loyalty reward all throughout the month for all the transactions completed with this credit card during your birthday month.
You can convert the Edge Reward Points to air miles and then redeem the same for flight tickets and other travel bookings.
Enjoy ZERO liability for transactions completed with a lost or stolen card and so you will not be responsible for any fraudulent transactions completed with a lost or stolen card, up to the credit limit of you card. In case your card is lost or stolen, do report the same to the bank immediately.

Axis Bank Titanium Smart Traveler Credit Card Benefits

Enjoy complimentary access to airport lounges in domestic as well as international terminals in some of the top airports in the country.
Enjoy the flexibility of making payments either full or partial payments every month. If you make partial payments, you can pay an amount equal or more than the minimum amount due.
Get up to 50 days for making payments and pay for your purchases in full within that period to avoid paying any interest.
Enjoy the option of converting your purchases into EMIs by just making a call to the bank. The amount of the transaction should be minimum Rs 2,500 to avail this feature on your Platinum Credit Card offered by the bank.
Avail the convenience of withdrawing cash with your credit card so that you will never have to worry about accessing cash no matter where you are.
Enjoy the flexibility and ease of paying your telephone, mobile, electricity, insurance premiums, gas and other bills on time by opting for the Bill Pay facility offered with your credit card.

Axis Bank Titanium Smart Traveler Credit Card Eligibility and Documentation

Eligibility Criteria:

The applicant should be aged minimum 18 years but not older than 70 years to apply for this credit card.
You should be an individual residing in India or a Non Resident Indian (NRI)

Documents Required:

A recent photograph (coloured)
Form 60 or copy of PAN card
Proof of income: latest payslips, It returns copy or Form 16
Residential proof: Ration card, Passport, landline telephone bills or electricity bills
Proof of identity: Passport, copy of PAN card, Driving licence, Aadhaar card

Disclaimer: Please note that the above mentioned list and the eligibility criteria are only indicative and credit card applications are approved at the sole discretion of the bank. Axis Bank will communicate the decision about your application within 21 business days.

Fees and Charges

Fee Type	Amount
Joining Fee	Rs.250 (it is waived if you spend Rs.5,000 within 45 days of receiving the card)
Annual Fee	Rs.100 (from the Second year. It is waived if you spend minimum Rs.50,000 the year before)
Add-on Card or Supplementary Card Joining Fee	Rs.100
Annual Fee for Supplementary or Add-on Card	None
Finance Charges for Retail & Cash transactions	3.25 percent per month or 46.78 percent p.a.
Cash Withdrawal Fee	2 percent of the amount withdrawn (Minimum Rs.250)
Cash Payment Fee	Rs.100
Fee for Card Replacement (lost/ stolen/ re-issue)	None
Fee for Duplicate Statement	None
Late Payment	Rs.300, if Payment Due is Rs.2,000 or less Rs.400 if Payment Due is between Rs.2001 to Rs.5000 Rs.600 if Payment Due is Rs.5001 or above
Over limit fee	3 percent of the over limit amount (Minimum Rs.500)
Fee for Outstation Cheque	Nil
Cheque return Fee/ Auto-debit reversal fee due to insufficient Funds	Rs.300
Surcharge for Fuel Transaction	None if the value of fuel transaction is between Rs.400 to Rs.4,000, till Rs.400 every month.
Foreign Currency Transaction Fee	3.50 percent of the value of the transaction
Mobile Alerts	None
Balance Enquiry	None

Redeeming Edge Loyalty Reward points:

The Edge Loyalty Reward Points can be redeemed for a variety of deals, gifts, discounts and promotions from some of the premier brands, online stores and other merchants that constitute the Edge Loyalty Points Network. You can redeem the points by logging in to your Internet Banking account with Axis Bank and then the points can be redeemed online. These points will provide you with access to amazing offers, deals and discounts for Travel and Sports, Personal Care, Home Decor, Health and Fitness etc.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Axis Bank Titanium Smart Traveler Card

Can I avail a loan with my Axis Bank credit card?
Yes, you can avail a loan with your Axis Bank credit card through the "Instant Loan" feature offered by the bank. The application process is very simple and there is a low processing charge of 1.5 percent. You avail an instant loan on your Axis Bank credit card, call the customer service team of the bank or send ‘ILW’ as a SMS to 5676782. If approved, the loan amount will be transferred to your savings account with Axis Bank, or to your savings account with any other bank as requested by you, in case you do not have any savings account with Axis Bank.
What are the tenures available with the HELLO-EMI option?
With the help of the HELLO-EMI option available on your Axis Bank credit card, you can convert your credit card purchases into EMIs with tenures of 3 months, 6 months, 9 months or 12 months. You can calculate your EMI by using an online EMI calculator.

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