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Axis Bank Business Credit Card

Axis Bank Business Credit Card is a business card provided by Axis Bank. This card is provided by Axis Bank to run the business seamlessly and make transactions hassle-free. The card comes with a small annual fee, which makes it a good option for small businesses. It provides you with reward points for every business transaction done with the business card. The Axis Bank Business credit card is designed to fulfill all day to day transactional needs. It is offered at low interest rates and has a multitude of features to help manage the finances of a business in an organized manner.

Key Features of the Axis Bank Business Credit Card

  • You can earn attractive reward points through the eDGE Loyalty Rewards Program
  • You can redeem the reward points for rewards from a catalog of over 500 items.
  • Complimentary lounge access at different airports across the country.
  • You can avail 2 lounge visits every quarter.
  • You can customize the card by having your company name/designation embossed on the card along with your name.
  • The zero lost card liability feature prevents you from paying for fraudulent transactions in case of lost or stolen card.
  • Option to convert large ticket purchases of over Rs. 2,500 into EMIs and pay at a lower rate of interest, assisting you to save more.

Key Benefits of The Axis Bank Business Credit Card

  • Customized business savings plan to suit your business and travel needs.
  • Ample discounts on Ezeego1.
  • Discounts and cash backs on hotels, flight tickets, and holiday offers
  • Cash backs on bus tickets and a lot more
  • 2 nights free stay at the hotel of your choice on redemption of vouchers on for a value of up to Rs. 3,000 per night.
  • Waiver of surcharge on all fuel purchases for transactions between Rs. 4,000 to Rs. 40,000, up to a maximum of Rs. 400 per month
  • You can make cash advances at more than 1 million Visa ATMs around the world.
  • Up to 30% of the credit limit will be available as cash
  • You can get an Axis Bank Add on Credit Card for no annual fee.
  • Share the credit and obtain a consolidated statement.
  • Supplementary card transactions are also eligible to receive reward points.

Fees and Charges of The Axis Bank Business Credit Card

Joining Fee

Rs. 999

Annual Fee

2nd year onwards - Rs. 499

No fee for the first year

Overlimit Fee

3% of the over limit amount (Minimum of Rs. 500)

Late Payment Fee

  • Payment due up to Rs. 2,000 - Rs. 300
  • Payment due from between Rs. 2001to Rs. 5,000 - Rs. 400
  • If the payment due is Rs. 5,001 - Rs. 600

Finance Charges

3.25% per month (46.78% per annum) will be levied on the due amount on the card if the cardholder is not able to clear all the dues by the payment due date.

Forex Markup Fee

A foreign currency markup fee of 3.5% (plus applicable taxes) of the transaction amount is applicable on all foreign currency transactions made with the Axis Bank Business Credit Card

Cash Advance Charges

f 2.5% of the amount withdrawn or Rs. 250 (Whichever is higher) will be levied on the cash advance transactions made using the Axis Bank Business Credit Card

Add on Card Fee


Eligibility Criteria For Axis Bank Business Credit Card

  • Age: The minimum eligible age is 21 years
  • Income: Must have a stable source of income
  • Credit Score: The applicant’s credit score and business credit score may also be considered important factors.
  • Occupation: This card is available to self-employed applicants which include SME companies, sole proprietors, partnership firms, doctors, and other self-employed professionals.
  • The aspiring customer must have a thriving relationship with the bank.

Documents Required For The Axis Bank Business Credit Card

Type of Document


Identity Proof

Address Proof

  • Ration card
  • Electricity bill
  • Passport
  • Rental agreement
  • Aadhaar card

Income Proof (for salaried individuals)

  • Recent salary slip/s
  • Salary certificate
  • Employment letter

Income Proof (for self-employed)

  • Certified financials
  • Audited balance sheet or proof and loss statement
  • Recent ITR (Income tax returns)

Additional Documents

  • Form 60 or PAN card copy
  • Photograph

How To Apply For The Axis Bank Business Credit Card?

You can apply for the Axis Bank Business Credit Card both online as well as offline.


You can also apply online by following the steps mentioned below

  • Visit the official website of Axis Bank
  • Click on ‘Cards’ under the section ‘Explore Products’ and then on commercial credit cards
  • Choose the Axis Bank Business Credit Card.
  • Click on explore more and progress further accordingly.


You can visit the nearest Axis Bank branch with all the required documents and apply for the credit card by filling out the physical application form.

Axis Bank Business Credit Card - Rewards Redemption

  • You will get 4 reward points per Rs. 200 spent with the Axis Bank Business Credit Card.
  • The accrued EDGE reward points are redeemable against purchasing vouchers, mobile and accessories, and a lot more exciting offers through the Edge Rewards portal.
  • 1 Edge Reward Point = Re. 0.20
  • You can convert all your edge points against InterMiles and Club Vistara points


The Axis Bank Business Credit Card is a good choice for people who are just starting out with using a credit card for their business. The card offers preliminary benefits across several categories. It comes with a nominal fee and offers reward points for every business transaction. On the whole, it is a great card to have.

FAQs Of Axis Bank Business Credit Card

1. Is there a forex markup fee when you use the Axis Bank business credit card?

Yes, there is a fee of 3.5% of the transaction value. It is charged for all transactions in other currencies.

2. What are the discounts offered for spends on Trade India?

All products and services on this portal are eligible for discount. A discount of 30% is extended on the Super Seller product. A discount of 25% is given on the premium seller product and 20% for all other products and services on this portal. This is only for Axis Bank Business Credit card holders.

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