Axis Bank MY Choice Credit Card Review

Axis Bank, one of the leading credit card providers in India offers several types of credit cards to their customers Axis Bank My Choice Credit Card, is one of them. It is a basic credit card offered by Axis bank, this card is the best choice for those who want a customizable credit card. This card offers 5% Cash-Back, 4 eDGE rewards, dining benefits, EMI facility, personalization facility, and lots more. Go through the article to know more about the card.   

Axis Bank MY Choice Credit Card

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 years. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 18 to 70 years.
    • Income: ₹25,000 monthly. 
  • Good relation with the bank.
  • Good CIBIL score (750 or above). 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary Slip. (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report. 

Fee:

  • Joining Fee: ₹250 + GST
  • Annual Fee: None for the first year and ₹250 + GST from the second year. 

Benefits:

  • Cash-Back: 

With this card, you can get a 5% Cash-Back on any two of your favorite categories like supermarkets, Electronics, utility bills, travel, fuel, dining, etc.   

  • Reward benefit:

This card offers 4 eDGE reward points for each ₹200 transaction with this card. You will also get an extra 100 eDGE points on your first online transaction. You can redeem your earned reward points easily against several products available in the reward catalog. 

  • Dining benefit:

With this card, you can enjoy dining at most of the premium restaurants in India, with a minimum of 15% discount on your dining bill. 

This offer is applicable at some selected partners’ restaurants like KFC, TGI Fridays, Mohalla 80, The Oriental Blossom, etc. 

  • EMI facility: 

Axis Bank My Choice credit card, you can convert any purchase over ₹2,500 into easy monthly EMIs. This feature is very helpful for high-value purchases. 

  • Personalization: 

With Axis Bank My Choice credit card, you can customize your credit card you can choose a design for the front of your card from their image gallery.   

  • EMV Chip card:

This card has the advanced EMV chip it adds an extra layer of protection to your transactions. Also, this card is 3d secured, which means whenever you use your card for online transactions, you will get an OTP to authenticate and complete your transaction.  

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site, where the MasterCard credit cards are accepted. 

Charges:

  • Cash Withdrawal Charge: 2.5% against the withdrawn amount. 
  • Finance Charge: 3.25% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call – 1860 419 5555

Mail – [email protected]

Dispute Resolution Process:

If you notice some unauthorized charges in your account, or there is some billing error, or if your card is lost or stolen. You should act first and report the problem to customer service. You can follow the steps given below.

  1. First of all, contact the customer service authority and describe to them your problem, and follow their instructions. In case of a lost card ask them to block your card immediately. 
  2. If you are not satisfied with the given service, you can take your complaint to the circle nodal officer. You can mail at [email protected] or you can call at +91-080-61865200. 
  3. If you do not get any response within 10 days, you can then contact the principal nodal officer, you can mail at [email protected] 
  4. If you are still not satisfied at stage 3, you can contact the banking ombudsman. You can find the contact details here https://www.axisbank.com/contact-us/banking-ombudsman  

But before going to the Banking Ombudsman, try to negotiate the issue with the bank.

100xGain Ratings: 8/10

Final Opinion:

Axis Bank My Choice Credit Card is one of the best basic credit cards available in India. it offers a 5% discount on one of your selected categories, 4 eDGE reward points for each ₹200 transactions, 15% discount on dining bill, EMI facility, etc. 

So if you want to customize the benefits of your credit card, this card will be a good choice for you. But if you are looking for benefits on travel and movies then you will be disappointed with this card.  

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