Axis Bank My Wings Credit Card

Eligibility criteria to apply for Axis Bank My Wings Credit Card

Given below is the eligibility criteria you will have to fulfil if you wish to apply for Axis Bank My Wings Credit Card:

1. You should be aged between 18 years and 70 years old.
2. The age of the add-on cardholders should be over 15 years.
3. Should either be a citizen of India or a Non-Resident Indian.

Documents to submit while applying for Axis Bank My Wings Credit Card

Given below is the list of documents you will have to submit while applying for Axis Bank My Wings Credit Card:

1. Form 60 or a copy of your PAN Card.
2. Colored photograph.
3. IT return copy, Form16, or latest pay slip as proof of income.
4. Proof od address such as Passport, Ration Card, utility bills such as landline telephone bill, electricity bill, etc.
5. Proof of identity such as Passport, Driving Licence, PAN Card, Aadhaar Card, etc.

Fees and Charges

Type	Fees and charges
Joining Fee	Rs.1,200
Annual Fee	1st Year: Nil 2nd Year onwards: Rs.500
Add-on Card Joining Fee	Nil
Add-on Card Annual Fee	Nil
Card Replacement Fee (lost or stolen or re-issue)	Waived off
Cash Payment Fee	Rs.100
Duplicate Statement Fee	Waived off
Chargeslip Retrieval Fee or Copy Request Fee	Waived off
Outstation Cheque Fee	Waived off
Mobile Alerts for Transactions	Free
Charges for Hotlisting	Nil
Balance Enquiry Charges	Waived off
Finance Charges	2.95% p.m.
Fees for Cash Withdrawal	2.5% of the cash amount subject to minimum Rs.500
Overdue Penalty or Late Payment Fee	Nil if Total Payment Due is uto Rs.100 Rs.100 if total payment due is between Rs.101 - Rs.300 Rs.300 if total payment due is between Rs.301 - Rs.1000 Rs.500 if total payment due is between Rs.1001 - Rs.5000 Rs.600 if total payment due is between Rs.5001 - Rs.20000 Rs.700 if total payment due is Rs.20001 and above
Over Limit Penalty	3% of the overlimit amount subject to minimum Rs.500
Cheque return or dishonour Fee or Auto-debit Reversal	Rs.300
Surcharge on purchase or cancellation of Railway Tickets	Applicable as per IRCTC or Indian Railways
Fuel Transaction Surcharge Transaction	1% of the transaction amount. Transaction made should be between Rs.400 and Rs.4,000
Foreign Currency Transaction Fee	3.5% of the transaction value
Reward Point Redemption fee	Nil
GST	As per existing norms

Value Added Chart

Details	Annual Spends (Rs.)	CashBack Amount (Rs.)	Reward Points Earned
2 Complimentary Flight tickets	-	10000	-
Family vacation- Four flight ticket bookings	20000	2000	400
Hotels & Holiday Vouchers	25000	2500	500
Four online rail ticket bookings	6000	100	-
Two Bus ticket bookings	800	200	16
One Car rental bookings	1000	400	20
Fuel Surcharge Waiver	36000	360	-
Other Spends	151200		-
Complimentary airport lounge access*	-	4000	-
Total Annual Spends***	240000	-
Total annual cashback and reward points**	-	19560	3960

How to Apply for Axis Bank My Wings Credit Card

You can apply for this credit card by either getting in touch with an Axis Bank customer care representative who will help you with the application process. You can also visit the nearest Axis Bank branch along with all the relevant documents. A representative from the bank will help you with the process of applying for this particular credit card.

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

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FAQs

• Can I change my large expenditure on Axis Bank My Wings Credit Card to an installment?

  Yes, large expenses charged to the card can generally be changed into an instalment payment plan. Axis Bank offers the option to convert transactions into a staggered term EMI, making spending easy to manage. 

• Who can apply for an Axis Bank My Wings credit card?

  Axis Bank My Wings credit card is open to adult individuals who meet Axis Bank's criteria for identity and income verification. Additional authorized users may be added under the account, subject to the bank's defined age and relationship definitions. 

• What if I miss payment or exceed my credit limit on my Axis Bank My Wings Credit Card?

  If you are late with payment, the card will bear some form of late-payment or finance-charge penalty based on the terms established by the bank relative to your outstanding balance. If you have reached your credit limit or exceeded your credit limit, you may have a one-time fee or specific charge related to being over your agreed limit, until your balance is below that limit. 

• How can I use Axis Bank My Wings Credit Card to build my credit health?

  You can effectively utilize the card by travelling with planned expenses, converting larger expenses to an EMI payment, and repaying any dues from the card upon receipt of the bill. Maintaining a moderate to low utilization ratio and paying your full or nearly full balances each month should help improve your credit health over time. 

• What are the steps to utilize the free tickets that are included with the Axis Bank My Wings credit card?

  After deciding to use the free tickets, you will get in touch with the airline booking partner through a dedicated toll-free number and provide the travel agent with the card details for verification. When authorized, you are free to purchase the tickets, but you will be responsible for transaction-based taxes or other fees. 

• Will the Axis Bank My Wings credit card earn reward points for other travel transactions?

  Yes. You will earn rewards on travel-related bookings through select portals, whether it’s bus, train, or flight bookings for example, there are also special hotel and car rental offers making it a very robust card for several aspects of travel. 

• Will the Axis Bank My Wings credit card earn reward points?

  Yes. Every time you use the Axis Bank My Wings Credit card, you will earn points that can be redeemed through Axis Bank's rewards catalogue. You will have the option of redeeming points for many things ranging from travel to shopping. 

• Why should you consider using a My Wings Credit Card when you travel?

  The My Wings Credit Card is tailored for individuals who frequently travel. The card provides perks such as free base-fare flight tickets, airport lounge access and other amenities that enhance your travelling comfort and affordability. To boost spending, there are rewards and cashbacks for various other modes of transportation including bus and train fares, and holiday vouchers. 

• Is there a perk if I use this card for petrol/fuel purchases?

  There is a partial benefit as the surcharge on fuel transactions may be waived under the conditions when using this card. Unfortunately, you will not earn rewards points from this payment option. In addition, certain surcharges, such as taxes, may not be refundable. 

• Can I add a family member or friend as an add-on cardholder?

  Yes. You can request add-on cards for family members or friends. Add-on cardholders get most of the same benefits as the primary cardholder, such as reward points and lounge access. There are no joining or annual fees for add-on cards, and the primary cardholder is responsible for all transactions made on add-on cards.