Axis Bank has announced a comprehensive suite of festive offers across its retail lending, business banking, and credit card portfolios, effective November 6, 2026. These propositions aim to provide competitive financing solutions for various customer needs during the festive season.
Attractive Rates and Fee Waivers on Retail Loans
For individuals eyeing home ownership, Axis Bank is offering a festive home loan login fee starting at just ₹999 plus GST. This includes additional benefits such as a waiver of 12 EMIs and options for faster principal repayment. Personal loans are available with interest rates commencing at 9.99% per annum, alongside processing fees from ₹999.
Car loan customers can benefit from instant disbursement within 30 minutes, a 50% discount on processing fees, and a 10 basis points lower interest rate on select electric vehicle (EV) models. The bank is financing up to 100% of a vehicle's on-road price, with loan tenures extending up to eight years and a waiver of foreclosure charges after 24 months.
Two-wheeler loan applicants will also experience instant disbursement within 30 minutes. Special interest rates begin at 10.75% for superbikes, and a 0.5% pricing discount is offered for electric two-wheelers. Commercial vehicle and construction equipment loans come with a processing fee of ₹5,999 and a waiver of foreclosure charges.
Education and Business Banking Solutions
Recognizing the importance of education, Axis Bank has set domestic education loan interest rates starting at 7.25%, with processing fees beginning at zero. Customers seeking international education loans are eligible for a 0.25% discount on applicable rack rates.
Small business customers are not left out, with a flat 50% waiver on login fees for secured working capital products, including cash credit, overdraft, and term loans. This specific offer is valid until December 31, 2026, though standard processing fees will continue to apply.
Credit Card Benefits and Merchant Offers
Beyond loans, Axis Bank is enhancing its credit card offerings with more than 200 deals for eligible cardholders. These span across e-commerce, electronics, mobiles, travel, lifestyle, and home furnishings. Discounts and EMI benefits of up to 20% are available on purchases and EMIs with participating brands, including major players like Amazon, LG, Samsung, MakeMyTrip, Air India, vivo, and OPPO.
Munish Sharda, Executive Director at Axis Bank, commented, “Festive spending is increasingly shaped by considered choices, whether it is buying a home, upgrading a vehicle, meeting personal needs or investing in a business. Our festive propositions bring together competitive financing solutions across retail and business banking, helping customers make the most of opportunities that matter to them.”
Arnika Dixit, Group Head – Cards, Payments and Wealth Management, Axis Bank, added, “Customers increasingly look for their cards to deliver value that is relevant to how and where they spend. During the festive period, as spending extends across different needs and occasions, relevance, choice and flexibility become even more important.”