In today’s digital age, the convenience of online transactions and payments has become an integral part of our lives. And with the ever-increasing popularity of e-commerce platforms like Amazon, having a dedicated credit card can make your shopping experience even more rewarding. One such card that stands out is the Amazon Pay Axis Bank Credit Card. If you’re wondering how to make the most of this card, stay tuned as we explore the ins and outs of “How to use Amazon Pay Axis Bank Credit Card.”
Understanding the Amazon Pay Axis Bank Credit Card
The Amazon Pay Axis Bank Credit Card is a co-branded credit card that brings the best of two worlds together – Amazon and Axis Bank. With this card in your wallet, you can enjoy various benefits, such as:
- Welcome Benefits: Upon approval of your Amazon Pay Axis Bank Credit Card, you’ll receive a welcome gift voucher that can be used on Amazon’s website.
- Reward Points: For every purchase made using this card, you earn reward points. These points can be redeemed on Amazon.in. The more you shop, the more you earn!
- Discounts and Cashback: Exclusive discounts and cashback offers are regularly available for cardholders. These deals make your online shopping experiences all the more delightful.
Now, let’s dive deeper into the various ways to maximize your card usage.
How to Apply for the Amazon Pay Axis Bank Credit Card
Before you can start using your Amazon Pay Axis Bank Credit Card, you need to apply for one. The application process is quite straightforward:
- Eligibility: Ensure you meet the eligibility criteria set by Axis Bank, such as age, income, and credit score requirements.
- Application: Visit the official Axis Bank website or an Axis Bank branch to fill out the credit card application form.
- Documentation: Submit the required documents, which typically include identity proof, address proof, income proof, and a passport-sized photograph.
- Verification: Axis Bank will review your application and documents. This process may take a few days, after which you’ll be notified of your application’s status.
- Credit Limit: If your application is approved, Axis Bank will assign a credit limit to your card based on your financial profile.
Activating Your Amazon Pay Axis Bank Credit Card
Once your application is approved, you’ll receive your Amazon Pay Axis Bank Credit Card at your registered address. To start using it, you need to activate the card:
- PIN Generation: You will receive your card with a temporary PIN. Log in to your Axis Bank account online or visit an ATM to generate your new PIN for added security.
- Set Up Amazon Pay: Link your new credit card to your Amazon Pay account for a seamless payment experience on Amazon.
- Mobile Wallets: If you use mobile wallets, add your credit card details for easy and secure transactions.
Making Purchases with the Amazon Pay Axis Bank Credit Card
Now that your card is activated, it’s time to make the most of it. Here’s how you can use your Amazon Pay Axis Bank Credit Card for various types of transactions:
- Online Shopping: The primary reason for having this card is to shop on Amazon. While checking out, select the credit card as your payment method, and enter your card details.
- In-Store Purchases: You can also use this card at physical stores that accept MasterCard. Just swipe or insert your card, enter your PIN, and you’re good to go.
- ATM Withdrawals: In case you need cash, you can use your card to withdraw money from ATMs. Be aware that this comes with transaction charges and may accrue interest from the date of withdrawal.
- EMI Transactions: The Amazon Pay Axis Bank Credit Card allows you to convert your high-value purchases into Equated Monthly Installments (EMIs) for more manageable payments.
Managing Your Amazon Pay Axis Bank Credit Card Account
Effective management of your credit card account is crucial to maintaining a good credit score and financial health. Here are some key aspects to consider:
- Billing Cycle: Your card has a billing cycle, usually a 30-day period during which you make purchases. It’s important to understand your billing cycle and due date to avoid late payment charges.
- Monthly Statements: Axis Bank sends monthly statements detailing your transactions. Review these statements carefully to ensure there are no unauthorized charges.
- Minimum Payment: You are required to make a minimum payment each month, typically a percentage of your outstanding balance. It’s advisable to pay more than the minimum to reduce interest charges.
- Online Account Access: Axis Bank provides online account access, allowing you to check your balance, pay bills, and review past statements from the comfort of your home.
- Reward Points: Keep track of your reward points and redeem them on Amazon to make the most of your card’s benefits.
Redeeming Rewards with the Amazon Pay Axis Bank Credit Card
One of the key attractions of the Amazon Pay Axis Bank Credit Card is the reward points it offers. You can redeem these points for various Amazon.in offerings. To do so:
- Log In: Log in to your Amazon.in account linked with your credit card.
- Browse Rewards: Explore the Amazon Pay section for rewards and offers available to credit cardholders.
- Redeem Points: Use your accumulated points to make purchases or get discounts on your favorite products.
Frequently Asked Questions (FAQ)
1. Is the Amazon Pay Axis Bank Credit Card free to use?
The card might have an annual fee, but it is often waived if you meet certain spending criteria. Review the terms and conditions to understand the applicable fees.
2. Can I use the Amazon Pay Axis Bank Credit Card for international transactions?
Yes, the card is internationally accepted, and you can use it for transactions abroad. However, be aware of foreign transaction fees that may apply.
3. How do I check my credit card balance?
You can check your credit card balance through the Axis Bank website, mobile app, by sending an SMS, or by calling Axis Bank’s customer service.
4. What is the credit limit on the Amazon Pay Axis Bank Credit Card?
The credit limit is determined by Axis Bank based on your financial profile, income, and creditworthiness.
5. Can I increase my credit limit?
Yes, you can apply for a credit limit increase with Axis Bank. They will review your request and may require additional documentation.
Conclusion
The Amazon Pay Axis Bank Credit Card is a powerful financial tool that enhances your shopping experience on Amazon and beyond. By understanding how to apply, activate, and use this card to its full potential, you can unlock numerous benefits, from reward points to discounts and cashback offers. Just remember to manage your credit responsibly, make timely payments, and leverage the rewards offered by this card to enjoy a seamless and rewarding shopping journey. So, go ahead, apply for the Amazon Pay Axis Bank Credit Card, and make your online shopping dreams come true!