As a business owner, I know how crucial it is to manage expenses and earn rewards. The Axis Bank My Business Credit Card is perfect for this. It lets you pay for business expenses and offers rewards, fuel savings, and airport lounge access. It’s great for business owners who want to get the most from their credit card.
Key Takeaways
- The Axis Bank My Business Credit Card offers 4 reward points for every Rs. 200 spent, making it a great way to earn rewards on your business expenses.
- Cardholders can enjoy complimentary airport lounge access, with up to 2 lounge visits per quarter, totaling 8 lounges annually.
- The card provides a fuel surcharge waiver of 1% for transactions between Rs. 400 and Rs. 4,000, with a maximum refund of Rs. 400 per statement cycle.
- Applicants must have a stable source of income and an acceptable credit score and business credit score to be eligible for the card.
- The Axis Bank My Business Credit Card is available to self-employed individuals, including SME companies, partnership firms, and other self-employed professionals, making it a great option for small business owners who want to manage their expenses and earn rewards with their Axis Bank business credit card.
- The card offers a range of benefits, including discounts on Trade India, cash advances, and a two-night free stay at hotels of choice upon redemption of vouchers, making it a comprehensive business credit card solution from Axis Bank.
- With the Axis Bank My Business Credit Card, you can earn double reward points in your birthday month, adding to the overall value of the card.
Understanding the Axis Bank My Business Credit Card
The Axis Bank My Business Credit Card is made for small businesses. It offers benefits to help manage expenses and earn rewards. It’s a small business credit card that makes purchases, bill payments, and earning rewards credit card points easy.
This card has key features like 4 reward points for every ₹200 spent. It also waives fuel surcharges and offers free airport lounge access. These credit card benefits help small businesses save and earn rewards on daily costs.
The card also has other benefits, including:
- 5% cashback on bill payments and recharges on Google Pay
- 4% cashback on Swiggy, Zomato, and Ola transactions
- 1.5% cashback on other expenditures
The Axis Bank My Business Credit Card is perfect for small businesses. It’s a rewards credit card with many benefits and rewards. Its competitive interest rates and flexible payment terms help manage finances and earn credit card benefits on daily expenses.
Feature | Benefit |
---|---|
4 reward points for every ₹200 spent | Earn rewards on daily expenses |
Fuel surcharge waiver | Save money on fuel purchases |
Complimentary airport lounge access | Enjoy luxury travel benefits |
Essential Requirements for Card Application
To apply for the Axis Bank My Business Credit Card, knowing the key requirements is important. Before applying, I must check if I meet the eligibility criteria. A stable income and a good credit score are necessary.
The application needs identity, address, and income proof. For example, if I’m a salaried employee, I can use an Aadhaar Card, PAN Card, or driving license as proof of identity. Address proof can be an electricity bill, ration card, or bank statement. For income proof, I need my latest payslip, Form 16, or income tax returns.
Some key requirements to apply for a credit card include:
- Age proof: tenth-standard school certificate, birth certificate, passport, or voter ID card
- Income proof: latest payslip, Form 16, or income tax returns
- Address proof: electricity bills, ration cards, passports, driving licenses, telephone bills, or bank statements
It’s crucial to have all documents ready before starting the application. By fulfilling these requirements, I can apply for the Axis Bank My Business Credit Card easily and enjoy its benefits.
How to Apply for Your Business Credit Card
Applying for a business credit card is easy, whether online or offline. You can check your application status. First, I gather all the needed documents and information. The online form is simple, making it great for those with busy schedules.
When applying, you need to provide proof of age, residence, and income. This includes salary slips or tax returns. Having these documents ready helps avoid delays. The online form is easy to use, and you can track your application status.
Online Application Process
Applying for the Axis Bank My Business Credit Card online is straightforward. I just visit the Axis Bank website, fill out the form, and upload my documents. It’s a convenient way to apply, and I can check my application status online.
Document Checklist
To make the application smooth, I check the document list. It includes:
- Proof of age and residence
- Income proof like salary slips or income tax returns
- Business registration documents
Application Tracking
After submitting my application, I can track it online. This keeps me informed about my application’s progress. The application process is designed to be quick and easy, with a fast response from the bank.
The online application for the Axis Bank My Business Credit Card is perfect for entrepreneurs. It’s simple and lets you manage your business expenses well. With it, I can quickly get my card and enjoy cashback, rewards, and insurance benefits.
Card Type | Cashback | Rewards |
---|---|---|
Axis Bank My Business Credit Card | 5% cashback on bill payments and recharges | 4 reward points for every ₹200 spent |
Reward Structure and Earning Potential
As a business owner, I’m excited to explore the reward structure of the Axis Bank My Business Credit Card. This rewards credit card lets me earn unlimited 2 EDGE REWARD points for every Rs. 125 spent. I also get 10X reward points on apparel and departmental stores. Plus, there’s a welcome benefit of 5,000 EDGE REWARD points on spending Rs. 1,000 or more within 30 days of getting the card.
The reward points can be used for many things, like flight tickets and hotel reservations. I can also earn 1,500 EDGE REWARD points on spending Rs. 30,000 per statement cycle. There are dining discounts, Swiggy discounts, and even complimentary lounge access. This rewards credit card is great for managing business expenses.

- Unlimited 2 EDGE REWARD points for every Rs. 125 spent
- 10X reward points on apparel and departmental stores
- Welcome benefit of 5,000 EDGE REWARD points
- Milestone benefits, such as 1,500 EDGE REWARD points on net spends of Rs. 30,000 per statement cycle
The Axis Bank My Business Credit Card is rewarding for business owners. It’s a rewards credit card that lets you earn and redeem points. It also offers various benefits and discounts. As a cashback credit card, it’s perfect for managing business expenses and earning rewards.
Maximizing Your Card Benefits
To get the most out of the Axis Bank My Business Credit Card, it’s key to know how to use its benefits. By using the card for all business costs, I can manage my expenses well. This lets me track my spending, sort expenses, and make smart money choices for my business.
The Axis Bank My Business Credit Card has many perks, like travel benefits, insurance, and rewards. To get the most from these, I should use the card for all my business buys. This way, I earn rewards, cashback, and other benefits that can be used in many ways.
- Using the card for all business expenses to earn rewards and cashback
- Taking advantage of travel perks, such as complimentary airport lounge access
- Leveraging insurance coverage for added security and protection
By following these tips, I can make the most of my card. This includes better business expense management and other credit card benefits.
Digital Banking Features and Solutions
As a business owner, managing finances well is key. The Axis Bank My Business Credit Card has digital banking features for easy online management. I can check account statements, pay bills, and track expenses from home.
The online credit card management system is designed to save time. With the Axis Bank internet banking, I can see my account details and download statements. It works for different account types.
Some main features of the digital banking platform include:
- Seamless fund transfers to own accounts, other Axis Bank accounts, and accounts in other banks
- Requesting services such as cheque books, demand drafts, and stop cheque payments
- Investment services, including viewing my complete portfolio, creating fixed deposits, and applying for IPOs online
- Bill payments for over a myriad of billers along with mobile recharges
With the Axis Bank My Business Credit Card, I get the ease of digital banking and online credit card management. It makes handling my business finances simpler.
Feature | Description |
---|---|
Internet Banking | View account details, transfer funds, and request services |
Mobile Banking | Access account information, make payments, and transfer funds on-the-go |
Online Credit Card Management | Manage credit card accounts, pay bills, and track expenses online |
Interest Rates and Fee Structure
As a business owner, knowing the interest rates and fees of the Axis Bank My Business Credit Card is key. The interest rates are between 35% to 40% a year. This translates to a daily rate of about 0.0493%. If you have ₹10,000 left unpaid for 30 days, you’ll pay around ₹147.90 in interest.
The Axis Bank My Business Credit Card also has a 3.5% fee for foreign transactions. There’s a late payment fee of 3% of the amount owed, with a minimum of Rs. 350. Knowing these fees helps you avoid extra costs and use your credit card wisely.
Key Fees and Charges
- Standard Joining Fee: As agreed with the company
- Standard Annual Fee: As agreed with the company
- Foreign Currency Transaction Fee: 3.5% of the transaction value
- Overdue Penalty or Late Payment Fee: 3% of the total amount due (Minimum Rs. 350)
Understanding the interest rates and fees of the Axis Bank My Business Credit Card helps you manage your expenses better. It’s important to read the terms and conditions of your credit card. This way, you can avoid extra costs and make the most of your credit card.
Fee Type | Fee Amount |
---|---|
Foreign Currency Transaction Fee | 3.5% of the transaction value |
Overdue Penalty or Late Payment Fee | 3% of the total amount due (Minimum Rs. 350) |
Security Features and Fraud Protection
As a business owner, I know how crucial credit card security and fraud protection are. My Axis Bank My Business Credit Card has top-notch security. It includes encryption, secure login, and transaction alerts. This lets me use my card without worry.
If something fishy happens, the card’s fraud protection steps in. It adds an extra shield. Plus, with CPP’s Comprehensive Card Protection Service, I get extra security. This includes emergency cash, hotel bills, and travel ticket coverage.
Here are some key benefits of the card’s security features:
- Emergency Cash Advance Facility up to ₹20,000
- Emergency Hotel Bills Overseas coverage up to ₹1,60,000
- Emergency Travel Ticket coverage for overseas travel up to ₹1,60,000
- Mobile Wallet Protection coverage up to ₹1,00,000
Axis Bank also has a special fraud detection system. It watches for odd spending, like big purchases or lots of transactions fast. With extra checks and regular statement reviews, I get even more credit card security and fraud protection.

In summary, the Axis Bank My Business Credit Card offers strong security and fraud protection. This gives me peace of mind for all my business card uses.
Feature | Coverage |
---|---|
Emergency Cash Advance | Up to ₹20,000 |
Emergency Hotel Bills Overseas | Up to ₹1,60,000 |
Emergency Travel Ticket | Up to ₹1,60,000 |
Mobile Wallet Protection | Up to ₹1,00,000 |
Conclusion: Making the Most of Your Business Credit Card
Starting your business journey? The Axis Bank My Business Credit Card can help a lot. It offers many features and benefits to boost your business. You can earn points on daily expenses, get travel perks, and have insurance coverage.
This card is made for business owners. It helps with managing expenses, planning travel, and protecting your business. By using the card wisely, you can get the most out of it. Keep an eye on interest rates, fees, and your credit score to make smart choices.
The Axis Bank My Business Credit Card is a great tool for your business. It lets you focus on growing and achieving your goals. Use its features to manage your finances better, enjoy perks, and set your business up for success.
FAQ
What are the key features and highlights of the Axis Bank My Business Credit Card?
The Axis Bank My Business Credit Card offers many benefits. You earn reward points on every purchase. It also waives fuel surcharge for transactions between ₹400 and ₹4,000. Plus, you get access to airport lounges.
Who is the Axis Bank My Business Credit Card targeted towards?
This card is designed for small businesses. It provides benefits that meet their specific needs.
What are the eligibility requirements for the Axis Bank My Business Credit Card?
To get this card, you need a stable income and a good credit score. You must also provide documents like proof of income and business existence.
How can I apply for the Axis Bank My Business Credit Card?
Applying is easy online or at an Axis Bank branch. Just fill out the form and upload your documents online.
How can I earn rewards with the Axis Bank My Business Credit Card?
You earn 4 reward points for every ₹200 spent. You can also get double rewards during your birthday month.
How can I maximize the benefits of the Axis Bank My Business Credit Card?
Use the card for all business expenses. Manage your spending with the card’s features. Enjoy travel perks and insurance for extra security.
What digital banking features come with the Axis Bank My Business Credit Card?
The card offers advanced digital banking. You can manage your card and transactions online. This includes viewing statements, paying bills, and tracking expenses.
What are the interest rates and fees associated with the Axis Bank My Business Credit Card?
The card has a specific interest rate and fees for late payments and foreign transactions. Knowing these helps manage your expenses.
What security features does the Axis Bank My Business Credit Card have?
The card has advanced security. It uses encryption, secure login, and transaction alerts. These features protect your transactions and prevent fraud.