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Features of Axis Bank Coral Credit Card
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Introduction to the Card
The Axis Bank Coral RuPay Credit Card is a versatile, entry-level credit card designed for modern consumers who value convenience, rewards, and digital payment solutions. Powered by RuPay, India’s homegrown card network, it integrates seamlessly with Unified Payments Interface (UPI), offering a secure and efficient payment experience. This card targets young professionals, frequent shoppers, and travelers seeking a cost-effective card with lifestyle benefits. -
UPI Integration for Digital Payments
A hallmark feature is its UPI compatibility, allowing cardholders to link the card to UPI apps like BHIM, Paytm, Google Pay, or PhonePe. This enables instant QR code-based payments at millions of merchants, from small vendors to large retailers. Users can make transactions without carrying the physical card, enhancing convenience for daily purchases like groceries, dining, or transportation. The UPI linkage is secured with a UPI PIN, ensuring safety for every transaction. -
Robust Rewards Program
The card offers a rewarding points system through Axis Bank’s EDGE Rewards platform. Cardholders earn 5 reward points for every ₹100 spent on online shopping (based on Merchant Category Code, or MCC, for e-commerce platforms) and 1 reward point for every ₹100 spent on other eligible transactions, with a minimum transaction value of ₹100. Points are redeemable for vouchers, merchandise, or cashback, with each point valued at approximately ₹0.20. The program incentivizes frequent spending, particularly for digital natives who shop online regularly.
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- Fuel Surcharge Waiver: For commuters and travelers, the card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India. The maximum waiver is capped at ₹400 per billing cycle, translating to significant savings for those with regular fuel expenses. This feature is particularly appealing for urban users who rely on personal vehicles or frequent fuel purchases.
- Contactless Payment Technology: Equipped with contactless payment technology, the card allows users to tap and pay at NFC-enabled terminals, speeding up transactions at retail stores, cafes, and transit hubs. The contactless feature adheres to RuPay’s security standards, with a transaction limit of ₹5,000 per tap for enhanced safety. This is ideal for quick, hassle-free payments in fast-paced environments.
- Complimentary Lounge Access: Travelers benefit from one complimentary domestic airport lounge visit per quarter, subject to a minimum spend of ₹5,000 in the previous quarter. This perk provides access to select lounges across major Indian airports, offering a comfortable space with free Wi-Fi, refreshments, and seating. The lounge access adds a premium touch for occasional flyers or business travelers.
- Dining Discounts via EazyDiner: The card offers up to ₹500 off on dining at partner restaurants through EazyDiner, applicable on a minimum bill value of ₹2,500. This discount encourages cardholders to explore premium dining experiences, from fine-dining restaurants to popular chains, making it a valuable perk for food enthusiasts and social gatherings.
- Movie Ticket Discounts: Entertainment seekers can enjoy a 10% instant discount on movie tickets booked via BookMyShow or Paytm Movies, applicable on a minimum transaction value of ₹500. The offer is capped at ₹100 per transaction and can be availed twice monthly, catering to frequent cinema-goers or families who enjoy movie outings.
- Lifetime Free Option: The card has a joining fee of ₹500 and an annual fee of ₹500 (plus GST). However, it becomes lifetime free if the cardholder spends ₹50,000 or more annually, making it cost-effective for active users. This spend-based waiver aligns with the needs of moderate to high spenders who use the card for daily expenses.
- Numberless Card Design: The Coral RuPay Credit Card features a numberless design, eliminating printed card numbers, expiry dates, and CVV codes to reduce the risk of identity theft. Sensitive details are accessible only through the Axis Bank mobile app, enhancing security for both online and offline transactions. This innovative design is inspired by the Fibe Axis Bank Credit Card’s security-focused approach.
- Virtual Card Access: Upon approval, cardholders receive instant access to a virtual card via the Axis Bank mobile app. This allows immediate use for online purchases or UPI transactions, even before the physical card is delivered. The virtual card is particularly useful for urgent transactions or users who prefer digital-only payments.
- Flexible Credit Limit: The credit limit ranges from ₹25,000 to ₹2 lakh, determined by the applicant’s income, credit score, and financial profile. Cardholders can request a limit increase after six months of responsible usage, subject to bank approval. This flexibility accommodates varying spending needs, from small daily purchases to larger expenses.
- EMI Conversion Option: Eligible transactions above ₹2,500 can be converted into Equated Monthly Installments (EMIs) at competitive interest rates (typically 1.5% per month). This feature is ideal for high-value purchases like electronics, furniture, or travel bookings, allowing users to spread costs over 3–24 months for better financial planning.
- Global and Domestic Acceptance: As a RuPay card, it enjoys wide acceptance across India at millions of merchants, ATMs, and online platforms. While primarily designed for domestic use, it is also accepted at select international merchants where RuPay is supported, ensuring versatility for occasional overseas transactions.
- Comprehensive Security Features: The card includes an EMV chip for secure transactions at POS terminals and ATMs. Users can set transaction limits, enable/disable online payments, or block the card instantly via the Axis Bank app. Additionally, 24/7 fraud monitoring by Axis Bank ensures prompt detection of suspicious activities, providing peace of mind.
- 24/7 Customer Support: Axis Bank offers round-the-clock customer support through toll-free numbers (1-860-419-5555 or 1-860-500-5555), email, or the mobile app. Cardholders can resolve queries, report lost cards, or dispute transactions anytime, ensuring a seamless user experience.
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- Convenience of UPI Payments: The UPI integration allows cardholders to make instant, secure payments at millions of merchants, from street vendors to supermarkets. It eliminates the need for cash or physical cards.
- Entertainment Savings: Enjoy 10% discount on movie tickets via BookMyShow or Paytm Movies, saving up to ₹200 monthly or ₹2,400 annually. Perfect for regular moviegoers and family outings, with no complex codes required.
- Dining Discounts for Food Enthusiasts: Avail up to ₹500 off per transaction using EazyDiner, encouraging premium dining experiences. Save up to ₹12,000 annually with two outings monthly — ideal for social events.
- Cost-Effective with Lifetime Free Option: Spend ₹50,000 annually to waive the ₹500 annual fee. That's just ₹4,167 monthly, making it a value-packed, lifetime free card for moderate spenders.
- Enhanced Security for Peace of Mind: Enjoy a numberless design, EMV chip, and contactless payments. Features like transaction controls and 24/7 fraud monitoring via Axis Bank app offer added safety and control.
- Rewards Redemption Flexibility: Earn EDGE Reward Points on every purchase and redeem them for travel, electronics, dining, or fashion. Points never expire as long as your card is active, allowing for larger, meaningful redemptions.
- Building and Improving Credit Score: Ideal for first-time users. Responsible usage and timely payments help establish a credit profile and improve CIBIL score, opening access to better loans and premium cards.
- Instant Virtual Card Access: Start using the card instantly after approval through the Axis Bank app for online shopping or UPI. Physical card arrives in 5–7 days, but you don't have to wait to transact.
- Affordable EMI Options: Convert purchases above ₹2,500 into manageable EMIs (3–24 months) at ~1.5% monthly interest. Great for buying gadgets, medical needs, or planning vacations.
- Wide Merchant Acceptance: Accepted at millions of RuPay-enabled merchants across India — from local stores to online platforms. Limited but growing acceptance abroad suits domestic-focused users.
- Accessible Customer Support: 24/7 customer care and self-service via the Axis Bank app for tracking spends, adjusting limits, or raising disputes — ensuring a seamless user experience.
- Inclusive Design for Diverse Users: From salaried employees to freelancers, this card’s low fee, modest income requirement, and flexible rewards suit a wide range of financial profiles.
Frequently Asked Questions (FAQs)
What is the Axis Bank Coral RuPay Credit Card?
The Axis Bank Coral RuPay Credit Card is a lifestyle credit card offering benefits on dining, movies, fuel, and more, specifically on the RuPay network.
How can I apply for the Axis Bank Coral RuPay Credit Card?
You can apply online through the Axis Bank website or by visiting the nearest Axis Bank branch with the required documents.
What are the eligibility criteria for this credit card?
Applicants must be between 18 and 70 years old, have a good credit score, and meet Axis Bank's income requirements.
Is there a joining or annual fee for the Coral RuPay Credit Card?
Yes, the card typically has a joining and annual fee, which may be waived based on annual spending. Please check with Axis Bank for current charges.
What are the key benefits of the Axis Coral RuPay Credit Card?
Key benefits include complimentary airport lounge access, dining discounts, fuel surcharge waivers, and movie ticket offers.
How many airport lounge accesses are allowed per year?
You get 2 complimentary domestic airport lounge accesses per quarter through the RuPay network.
Are there any movie ticket offers with this card?
Yes, cardholders can enjoy a "Buy One Get One Free" offer on movie tickets on selected platforms, subject to monthly limits.
Does the card offer reward points?
Yes, you earn reward points on every eligible transaction. These points can be redeemed for vouchers, merchandise, or cashback.
What is the fuel surcharge waiver offered?
You get a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, with a maximum waiver limit per month.
How can I redeem my reward points?
Reward points can be redeemed through Axis Bank’s EDGE Rewards portal for vouchers, products, or other benefits.
Is the card contactless?
Yes, the Axis Coral RuPay Credit Card supports contactless payments for transactions up to ₹5,000 without entering a PIN.
Can I convert large purchases into EMIs?
Yes, eligible transactions above a specified amount can be converted into easy monthly installments (EMIs) through Axis Bank.
How do I check my credit card statement and balance?
You can check your card details via Axis Mobile app, internet banking, or monthly e-statements.
What should I do if I lose my credit card?
Immediately call Axis Bank’s customer care to block the card and request a replacement.
Is this card accepted internationally?
The Axis Coral RuPay Credit Card is primarily accepted in India. For international usage, a Visa or Mastercard variant may be more suitable.
List of Axis Bank Coral Rupay Credit Card Branches in Andhra Pradesh
- Andhra Pradesh (Vijayawada)
- Andhra Pradesh (Guntur)
- Andhra Pradesh (Visakhapatnam)
- Andhra Pradesh (Kakinada)
- Andhra Pradesh (Rajahmundry)
- Andhra Pradesh (Nellore)
- Andhra Pradesh (Bhimavaram)
- Andhra Pradesh (Kurnool)
- Andhra Pradesh (Tirupati)
- Andhra Pradesh (Chittoor)
- Andhra Pradesh (Ongole)
- Andhra Pradesh (Anantapur)
- Andhra Pradesh (Srikakulam)
- Andhra Pradesh (Tenali)
- Andhra Pradesh (Nandyal)
- Andhra Pradesh (Vizianagaram)
- Andhra Pradesh (Eluru)
- Andhra Pradesh (Kadapa)
- Andhra Pradesh (Machilipatnam)
- Andhra Pradesh (Proddatur)