Mary-Robin Gilger

From here, you can walk to the Gergeti Trinity Church, at the foot of Mount Kazbek, where the views of the surrounding village and hills are

**Disclaimer: Axis Bank Credit Card is not a Bajaj Markets product. Offers would be from partner Banks/NBFCs only.

The Axis Bank credit card limit is the maximum amount that you can spend on your Axis credit card. The limit is decided at the time of issuing the credit card to the borrower. The bank decides the limit after assessing your credit card application based on factors such as your annual income, credit utilisation ratio, age, and more. You can also opt to increase your credit card limit after a while. Continue reading to know about factors affecting your credit card limit, how to opt for the Axis Bank credit card limit increase facility and other frequently asked questions related to Axis Bank credit card limit.

Axis Bank credit card limit check can be done both online and offline. Online ways to know your Axis credit card limit are via netbanking or via the Axis Bank mobile application. The offline methods to check your credit card limit include calling the Axis Bank credit card customer care, sending an Axis Bank credit card limit check SMS, or visiting the nearest Axis Bank branch. Below are details about the same:

To check your Axis bank credit card limit via customer care, just call on the Axis Bank phone banking toll-free numbers 1860 419 5555/1860 500 5555.

For Axis Bank credit card limit check via SMS, type “AVAILBALlast 4 digits of credit card no” and send to Axis SMS banking numbers 5616 1600 or +91 86910 00002.

You can also visit your nearest Axis Bank branch and request a bank executive to assist you with your credit card limit.

The Axis Bank credit limit can be classified into three types:

Axis Bank Card total credit limit means the maximum credit limit on your Axis Bank credit card. With every transaction, the total credit limit will decrease. However, you can restore it by making timely credit card bill payments.

It is the type of credit limit on your Axis Bank credit card on a specific date. For example, if ₹1,00,000 is your available limit and you already spent ₹60,000, then ₹40,000 is your available credit card limit.

With this type of credit limit, you can make 20% to 40% of the credit limit's withdrawal as cash during an emergency. The Axis Bank credit card cash withdrawal limit comes with a fee.

Following are the factors that decide your Axis credit card limit:

Axis Bank considers the ratio of debt-to-income as a very important factor while evaluating your Axis Bank credit card credit limit. Lower the ratio of debt-income, higher would be your card limit.

If your credit score is high, then you will be offered a high credit limit as a good CIBIL score signifies the repayment of credit in due time.

The available limit on your other credit cards is another factor considered by Axis Bank to determine your credit limit.

If you are interested in knowing how to increase your Axis credit card limit, then you can follow any of the given modes:

Of all the cards that you use, you can increase the limit of the card that is utilised the most. With a good credit history, it won't be an issue to get your Axis credit limit increased.

In case of any recent promotion or raise in salary, you can inform the bank regarding the same. This could help strengthen your income eligibility criteria, which the bank could consider as a potential factor to increase your Axis Bank credit card limit.

In some cases, if you are eligible, then without applying for a credit card limit increase, the bank automatically increases the limit of the credit card.

If the bank deems you eligible, you will receive an email/SMS/call from the Axis Bank for its “Limit Enhancement facility”. If you agree with the terms of the bank and wish to avail the Axis Bank limit enhancement, then you can accept the offer in the same call. Once your credit card has been upgraded, you will get a notification on your registered email and mobile number.

Why are you seeing AMZN DIGITAL on your credit or debit card report?  And what is Amazon Digital charge?

Don’t worry if you don’t know the answers - most people are confused by the concept.

So, we’re here to explain it all and stop you from blocking Amazon from future transactions.

This is how it goes:

You can order almost everything from Amazon - from a new garden tool or interior additions to digital products, like movies, e-books, or audiobooks. The latter falls under the umbrella of Amazon Digital Services.

Let’s look at them in detail:

Amazon Prime Video is a streaming platform for video content such as movies, TV shows, sports, live events, etc. These contents can be viewed on any compatible smart device, from TV to phone.

This, however, is not your typical service - it allows you to view content from other platforms. There are more than 100 of the so-called Amazon Prime Video Channels. For example:

And many more.

With a Prime subscription, you get access to all content on Amazon Prime Video at no additional charge.

Kindle Unlimited is a dream come true for all digital bookworms. It offers unrestricted access to over two million ebooks, thousands of audiobooks, and even magazine subscriptions.

Kindle services charge a monthly subscription, but there is a 30-days free trial period for new users.

Amazon Audible offers audiobooks in different languages, podcasts, audio tracks that, for example, help you sleep better, and more.

Depending on the plan you opt for, there you will have to pay for membership. You can also run a 30 days trial period to get a feel of the service before you commit.

You get access to over 75 million songs in HD, millions of podcasts, stations, and well-curated playlists. All content is ad-free, and you can also download for offline listening without an added Amazon digital downloads charge.

Devices that support Amazon Music Unlimited include:

Children between three to 12 years can access premium age-appropriate content in the form of books, movies, games, TV shows, and educational apps.

Parents can filter out any content they are not comfortable with, set screen time limits, and fix educational goals.

Amazon Drive is a cloud-based storage service. It allows you to store files, photos, and videos safely.

As a first-time user, you get the first 5GB for free. You’ll, however, need to pay a subscription if you need more space.

To simplify, Amazon charges you for using their service.

You will be charged monthly or annually, depending on your preference. All services have a 30-day free trial.

Prime members might get discounts or free access to some of the services.

The typical charge for Amazon Digital Service apps is $0.99.  But, for example, Kindle users will have to pay a persisting $2.99 fee.

Let’s tackle the rest one by one:

After the 30 days free trial period of Amazon Prime, you can choose to pay $12.99 monthly or $119 annually. Other options include Prime Student Monthly at $6.49 and Qualified Government Assistance at $5.99 monthly.

All charges are tax inclusive.

Prime members get access to the service without paying an extra Amazon service charge. Other users will have to pay $8.99 monthly(tax inclusive).

But:

You’ll need a separate subscription for Amazon Prime Channels.

To gain access to the service, you will have to pay an Amazon service charge of $9.99 per month, or $119.98 annually. Tax included.

Both Prime members and non-members are required to pay a subscription fee to gain full access to Audible materials. You’ll have to pay between $7.95 monthly and $229.50 yearly, depending on the plan you choose and the available credits.

The credits are perks that come with the different digital services. One credit equals one premium selection title of your choice to keep. The more credits you have, the more premium titles you can own.

Prime members pay a discounted charge of $7.99 monthly and $79 yearly to gain access to Amazon digital music goods. The rest will need to pay $9.99 monthly.

Prime members get a discount on Amazon Kids+ subscriptions. There are four different plans, each with a different charge for Prime members and Non-Prime members. You will be charged anything between $2.99 monthly and $99.00 annually, depending on the plan you choose and any existing subscriptions.

Prime members stand to enjoy this service more as it gives them unlimited high-resolution photo storage. Everyone with an Amazon account also gets 5GB worth of space for free. You’ll have to pay more for additional space.

Unfortunately, no.

But.

There are two cases in which you can avoid the Amazon digital charges.

The first is during the free trial period. It usually lasts 30 days, but it can be up to 90 days, as is the case with Amazon Music Unlimited(terms and conditions included).

The second is when the user is an active Prime member. But, as mentioned earlier, this only includes some of the services.

To sum up:

An Amazon Digital charge is the fee you pay for services and non-physical products. Those include music, e-book, movies, etc.

It will show up on your credit or debit card report as AMZN DIGITAL.