Benefits of Axis Bank Titanium Credit Card

• Cost-Effective Fee Structure:
  The card has a nominal joining fee of ₹250, which is waived if the cardholder spends ₹2,500 within 45 days of issuance. The annual fee of ₹100 is waived if the previous year’s spending exceeds ₹50,000. This spend-based waiver makes the card cost-effective for moderate spenders.
  Compared to premium cards, the Titanium Credit Card has lower ancillary charges, such as a 1.5% processing fee for instant loans and a ₹50 convenience fee for cash payments at branches. This affordability suits first-time cardholders or those with limited budgets.
• Reward Points Accumulation:
  Earn 2 Edge Points per ₹200 spent (0.2% value back) in India and 6 points (0.6%) internationally. Points can be redeemed for travel bookings, vouchers, or merchandise, providing flexibility and value.

How to Apply for Axis Bank Titanium Credit Card

• Eligibility Criteria
  • Age and Residency: Applicants must be aged 18–70 years and be residents or non-resident Indians (NRIs). Add-on cardholders must be at least 15 years old.
  • Income Requirements: Stable income required. Salaried individuals need recent salary slips; self-employed must provide income tax returns.
  • Credit Score: Good credit score (typically 750 or above) is essential. Applicants with no credit history may face challenges but can improve eligibility with strong income.
• Required Documents
  • Identity Proof: PAN card, Aadhaar card, passport, or driver’s license. Form 60 if PAN is unavailable.
  • Address Proof: Recent utility bill, ration card, or passport matching delivery address.
  • Income Proof: Salaried applicants need 3 months’ salary slips or Form 16; self-employed must submit last 2 years’ income tax returns.
  • Photographs: Two recent passport-sized photos meeting bank specifications.
• Online Application Process
  • Step 1: Visit Axis Bank Website Navigate to www.axisbank.com → “Credit Cards” → Select Titanium Smart Traveler Credit Card → Click “Apply Now.”
  • Step 2: Fill Application Form Enter personal, income, and employment details. Double-check for accuracy.
  • Step 3: Upload Documents Upload clear scanned copies of identity, address, and income proofs (files under 2MB).
  • Step 4: Submit and Track Submit application, note reference number. Processing takes 7–21 business days.
  • Step 5: Verification and Approval Bank may contact for additional info. Card dispatched within 7–10 working days post-approval.
• Offline Application Process
  • Visit nearest Axis Bank branch with originals and photocopies of documents and completed application form.
  • Submit documents and application; ensure all fields are correctly filled.
  • Receive reference number for tracking; follow up if processing exceeds 21 days.
• Tips for a Successful Application
  • Check credit score from CIBIL/Experian; fix discrepancies before applying.
  • Ensure document accuracy and consistency to avoid rejection.
  • Plan to spend ₹2,500 within 45 days to waive joining fee.
  • Contact customer support via toll-free 1860-419-5555 or website live chat for assistance.
• Post-Approval Steps
  • Activate card via Axis Mobile App, Internet Banking, or customer care.
  • Perform initial transaction to enable reward points.
  • Download Axis Mobile App to manage card, enable alerts, and set auto-debit.
  • Review cardholder agreement for fees, interest, and rewards to maximize benefits.
• Check for Pre-Approved Offers Sometimes Axis Bank sends pre-approved credit card offers via SMS or email. Check eligibility before applying to save time and increase approval chances.
• Maintain a Healthy Credit Utilization Ratio After approval, keep credit utilization below 30% to maintain a good credit score and improve chances for future credit limit increases or upgrades.
• Set Up Alerts and Reminders Immediately set up transaction alerts and payment reminders to avoid late payments, which can negatively impact your credit score and card benefits.

Eligibility Criteria for Axis Bank Titanium Smart Traveler Credit Card

• 1. Age Requirements
  • Primary cardholder must be between 18 and 70 years of age at the time of application.
  • This ensures applicants are legally capable and financially mature to manage credit responsibilities.
  • Add-on cardholders must be at least 15 years old to benefit under the primary holder’s account.
  • Applicants near minimum or maximum age may face additional scrutiny.
• 2. Income Requirements
  • Minimum annual income is typically around ₹6 lakh (approx ₹50,000/month), varying by employment status.
  • Salaried individuals in established companies or government organizations preferred due to income stability.
  • Self-employed professionals must demonstrate consistent earnings through ITRs or balance sheets.
  • Applicants with irregular or undocumented income may face challenges without alternative proof of financial stability.
• 3. Residential Status
  • Available to both Resident Indians and Non-Resident Indians (NRIs).
  • Resident Indians must provide permanent Indian address proof such as owned or rented residence documents.
  • NRIs need additional documentation like work visa, overseas employment contract, or foreign address proof.
  • Priority given to applicants with a strong banking relationship with Axis Bank.
• 4. Credit Score and History
  • A good credit score of 700-750+ is critical for eligibility.
  • Scores below 700 may lead to rejection or approval with lower limits and higher interest.
  • No credit history applicants (e.g., students, young professionals) may struggle but secured credit cards against fixed deposits are available.
  • Clean credit history free of late payments, defaults, or high debt-to-income ratios improves chances.
• 5. Employment Status
  • Applicants must be salaried or self-employed with stable income sources.
  • Salaried individuals ideally employed for at least 6 months to 1 year with reputed organizations.
  • Self-employed must provide evidence of 2-3 years of business continuity through ITRs or registration documents.
  • Income from investments or pensions may also be considered.
  • Unemployed or seasonal workers unlikely to qualify unless secured against fixed deposits.
• 6. Banking Relationship with Axis Bank
  • Not mandatory but existing relationships improve eligibility.
  • Having savings accounts, fixed deposits, or loan accounts with Axis Bank helps due to familiarity with financial behavior.
  • Pre-approved offers may be available to existing customers.
• 7. Debt-to-Income Ratio (DTI)
  • Preferred DTI is below 40%, meaning monthly debt repayments should not exceed 40% of income.
  • High DTI indicates limited capacity for additional credit and reduces eligibility.
  • Applicants should reduce debts or credit utilization before applying.