New Interface
Axis Bank introduced a refreshed credit card interface around May 2021, available on both mobile and desktop. The new layout is sleek, simple and focused. Each card appears with its own visual design, which is a nice touch (though the ACE card tile seems to be missing).
Overall the experience is positive and suggests more improvements will follow. One drawback: when you try to make a payment from this new interface, you are redirected to the old system. That interruption is inconvenient and hopefully will be addressed soon.
New Application system
New card for existing Axis cardholders: I applied for the Axis MyZone credit card (the 40% Swiggy offer is attractive) and the new card was instantly generated in my online account after the request. The card arrived within five days, which was impressive.
Before that success, three earlier attempts had failed. It appears the new application flow isn’t fully synchronized with the legacy system, causing intermittent errors. Once the systems lined up, the process completed smoothly. If your request fails initially, try again rather than giving up.
New Axis credit card for a family member: I ran into a strange issue when applying for a primary card for a family member who currently had an add-on card on my account. The application showed instant approval but was later rejected with a message saying an applicant cannot have an add-on card linked to someone else. That restriction caused confusion.
I cancelled the add-on and reapplied, but the new application went on hold. After escalation I was asked to submit an additional form to formally remove the add-on; cancellation alone was deemed insufficient. This illustrates some friction in Axis’s internal workflows.
Axis’s process for add-on cards remains cumbersome. Obtaining an add-on can feel far more difficult than it should be. One of my add-on card requests has been pending for six months with no clear status — a persistent source of frustration.
Final thoughts
Beyond stabilizing the new application flow, Axis should streamline add-on card handling. Other banks, such as HDFC, allow quick one-click add-on requests for existing account holders and typically deliver the card within a few days. In contrast, Axis often takes around 20 days just to process add-on applications.
Axis also shows occasional technical glitches: for example, my credit limit once appeared about 50,000 higher for a short time. Meanwhile, my credit limit hasn’t been increased on certain cards for several years despite consistent usage.
Additionally, relationship managers at branches seem to have limited authority over credit card operations, reducing the value of Axis Priority accounts for resolving such issues.
How has your experience been with Axis Bank’s credit card systems? Share your thoughts in the comments below.