Axis Bank Credit Card FAQ’s

How to Apply for axis bank credit card: 

Axis Bank credit cards are best known for their benefits and useful features. Axis Bank also has a very wide variety of credit cards. They have credit cards suitable for an average customer as well as for a billionaire. 

If you want to get an axis credit card, then there are two options for you. You can apply for axis bank credit card online via the official website or axis bank mobile app or you can walk to your nearby Branch and do it offline. 

  • Axis bank credit card apply online via the official website : 
    1. Open your net browser and go to the official website of Axis Bank. 
    2. You can see the Axis bank products there like Credit Card, Loans, Savings account, etc. 
    3. Click on the Credit Card Option. A new page will open where you can see various axis credit card types and their details. 
    4. Tap on the first Apply Now option you can find on the page. 
    5. You will be asked if you are an existing customer or not. If you are an existing customer of Axis Bank then select Yes otherwise click on No.
  • Axis bank credit card apply for the existing customers :
    1. As you click on Yes a new page will open where you need to provide your registered mobile number, date of birth, and PAN Number. Fill up the fields and click on Next.
    2. On the next page, you need to enter the OTP you received in the given mobile number. Accept all the terms and conditions and select the digital center as the channel. 
    3. Click on submit and a new page will open where you need to provide your details again. 
    4. Fill up the necessary fields and click on submit. 
    5. Once your details are submitted, you will get a call back from axis credit card customer care for verification. 
    6. Once the verification is successful, an Axis Bank employee will come to your place to complete the axis bank credit card apply procedure
  • For the new customers :
    1.  Once you click on No, a new page will open where you need to provide some information like your name, mobile no, your professional details, your monthly income, and your PIN code. Fill up the fields and click on Call Me. 
    2. If you are eligible, you will get a call back from axis bank credit card customer care for verification. 
    3. On successful verification, an Axis Bank employee will come to your place to complete the process. 
  • Apply online for axis bank credit card from the mobile app :

To apply for credit card in axis bank via mobile app first, download and install the Axis Bank mobile app on your smartphone and then follow the steps given below –

  1. Open the Axis Bank Mobile Application. 
  2. You can see the credit card option on your right-hand side. 
  3. Tap on it and a form will open where you need to provide your name, date of birth, and address.  Fill up the necessary fields and tap on submit. 
  4. Provide your employment details, your income status, and tap on submit. 
  5. On the next screen, you will get the cards that match your eligibility. 
  6. Select the best axis bank credit card among them and tap on submit. 
  7. Once you tap on submit, you will get your axis bank credit card application number on your screen. 
  8. Within 3 to 4 days you will get a call back from Axis Bank for verification. 
  9. If the verification is successful, an axis bank employee will come to your place to complete the process.
  • How to apply for credit card in axis bank by offline method: 
  1. You can also walk to your nearby Axis Bank branch and talk to the credit card representative. You need to fill up an axis bank credit card application form and provide some necessary documents along with your income proof.
  2. If you are eligible your credit card will be approved within 6 to 7 working days.

How to track axis credit card application status :

Once your Axis Bank Credit Card application is successfully submitted you will get an application number. You can use the number to track the status of axis bank credit card application. There are two methods to track your axis bank credit card application – Online and Offline

Method–1 :

Online

  • Axis bank credit card status enquiry application id :

You can use your application number/Id to track your axis bank credit card application. 

  1. Click on the link given here – https://clcinsta.axisbank.co.in/DigitalChannel/TrackCase/Landing.html 
  2. Select the App Id option. 
  3. Put your PAN number and the mobile number you provided at the time of application. 
  4. Click on the Submit option and your axis bank credit card application status will be displayed on the screen. 
  • Track axis bank credit card application using PAN and mobile number : 

if you have lost your application number, then you can track your Axis Bank credit card application with your PAN number and mobile number. 

  1. Click on the link given here – https://clcinsta.axisbank.co.in/DigitalChannel/TrackCase/Landing.html
  2. Select Pan/Mobile No option. 
  3. Enter your PAN number and the Mobile number you provided during the application. 
  4. Click on Submit and you can see your axis credit card status of the application on the screen.

Method–2 :

Offline 

You can also know your axis bank credit card status offline. Just call the Axis Bank Credit Card helpline number 1860 419 5555 or 1860 500 5555 and ask them for the information. 

How to track axis bank credit card delivery status :

Normally when credit cards get approved it is delivered to your registered address. It may take a week or more to get delivered. Meanwhile, you can trace the axis credit card status of delivery. 

 Once your axis bank credit card application gets approved you will get an SMS with your airway bill number and the axis bank credit card status tracking link. You can tap on the link and the tracking page of the courier company will open. Here you can see your delivery details and the expected delivery date. 

How to activate axis bank credit card for first time :

New Axis Bank credit cards need to be activated before they can be used. This is because Axis Bank sends their new credit cards in an inactive state to enhance the security of your axis bank credit card account during shipping. 

The axis bank credit card activation process is very simple; you just need to generate a PIN for your credit card. You can do it from your axis bank credit card phone banking or mobile banking account or you can walk to your nearby ATM and generate axis bank credit card pin from there. 

  • How to activate axis bank credit card from net banking?
  1. To activate your axis bank new credit card from Net Banking, log in to your axis credit card net banking account. 
  2. Click on the Accounts option you can find in the menu.
  3. Click on the Credit Card option. 
  4. You can find the More Service option by clicking on it. 
  5. Click on the change axis bank credit card pin Option and click on the Go button. 
  6. Enter a new four digits PIN of your choice, and click ‘Next’. 
  7. You will get a NETSECURE code in your registered mobile number, enter the code and click on Confirm. 
  8. Your axis credit card will be activated. 
  • How to activate credit card of axis bank from the mobile app? 
  1. First of all, log in to your axis credit card app
  2. Go to the menu and tap on the Banking option. 
  3. Tap on the ‘Service’ option.
  4. Select the ‘Credit Card’ option. 
  5. You can find the Set PIN option there, tap on it. 
  6. You will get an OTP on your registered mobile number, enter the same.  
  7.  Set the four digits PIN of your choice. 
  8. You need to verify your choice with your MPIN. 
  9. Once you verify your selection, the credit card PIN will be changed immediately. 
  • How to activate axis credit card from an ATM?

If you don’t have access to the Net Banking or Mobile Banking account, then you can activate axis bank credit card from your nearby Axis Bank ATM. 

First, you need to get an OTP. The process is discussed below

  1. Insert the card in the ATM Slot. 
  2. Select the Set PIN Option. 
  3. Select the Generate OTP Option. 
  4. You may need to provide some details like your mobile number, date of birth, and the expiry date of the card. 
  5. You will get an OTP on your given mobile number, enter the same.  
  6. Set your desired four digits PIN and confirm it. 
  7. You will get a message on successful PIN generation. 

If you already have your OTP, then you can follow the steps given below

  1. Insert your card in the ATM slot. 
  2. Select the Set PIN option.
  3. Select Set PIN with OTP Option. 
  4. Type the OTP you received. 
  5. Set a new PIN and confirm it. 
  6. You will get a message on successful PIN generation.   

How to Activate Online Transaction in Axis Bank Credit Card

Online and international transactions on the new axis bank credit card are turned off. And if you want to use these axis bank credit card features, you need to turn them on first. You can do it very easily from your Mobile Banking account. 

  • Turn on Online Transaction Using Mobile app

To turn on online uses using the axis credit card app, open your Axis Bank Mobile app and log in to your account with your axis credit card login credentials. 

  1. Once you log in to your axis bank credit card account you can see the Credit Card option on your screen, tap on it.
  2. As you tap on the credit card option all your registered credit cards will be displayed on the screen. 
  3. Select the axis bank credit card no of which you want to turn on the online transaction.
  4. Now tap on the total Controls option you can find at the bottom of your screen. 
  5. Select manage usage from the menu.
  6. You can see the domestic and international usage options there, select domestic.  
  7. You can see the e-commerce option there, turn it on, you can also set an axis bank credit card limit for your transaction from there. 
  8. Tap on submit and you will be asked to verify your selection. Tap on conform to continue. 
  9. Provide the MPIN and the online transaction for domestic usage will be turned on. 
  10. If you want then you can turn on the online transaction for international usage by following the same steps. Just select International instead of Domestic at the 6th step. 

How to deactivate axis bank credit card online transactions

If you don’t use your axis bank credit card for online transactions then you can just switch it off temporarily. You can do it very easily from your axis credit card appTo turn off online usage using the Axis Bank Mobile app, open your Axis Bank Mobile app and log in to your axis bank credit card phone banking account. 

  1. Once you log in to your account you can see the Credit Card option on your screen, tap on it.
  2. As you tap on the credit card option all your registered credit cards will be displayed on the screen. 
  3. Select the axis bank credit card number of which you want to turn off the online transaction.
  4. Now tap on the Total Controls option you can find at the bottom of your screen. 
  5. Select Manage Usage from the menu.
  6. You can see the Domestic and International usage option there, select Domestic.  
  7. You can see the E-commerce option there. Turn it off, you can also set a limit for your axis credit card transactions from there. 
  8. Tap on Submit and you will be asked to verify your selection. Tap on conform to continue. 
  9. Provide the MPIN and the online transaction for domestic usage will be turned off. 

If your international transaction is turned on, you can control it from there. Just select international instead of Domestic at the 6th step. 

How to use cash withdrawal from axis bank credit card

Credit cards can be used for cash withdrawal just like a regular Debit Card. If you want to use the axis bank credit card cash withdrawal facility and you don’t know how to do it, then this article can help you. 

  1. First, enter your axis bank credit card in the ATM slot. 
  2. Then select the language of your choice. 
  3. Now choose the option of cash withdrawal. 
  4. Enter the amount you want to withdraw. 
  5. Provide your four digits axis bank credit card pin.
  6. Collect the cash from the machine. 

Hopefully, you can withdraw cash very easily by following the above-mentioned steps. But there are a few things you should keep in mind before making a withdrawal.

  1. Every time you withdraw cash from your credit card account, you need to pay the axis credit card cash withdrawal charge which is around 2.5% of the withdrawn amount. 
  2. Once you withdraw cash from your credit card, there will be no interest-free period. The axis credit card interest rate will be imposed upon you from the day of withdrawal and will continue till you pay the amount in full. The axis bank credit card interest rate is around 3.5% monthly and it makes the withdrawal very expensive. 
  3. Every credit card has its own cash withdrawal limit, check your available axis bank credit card cash withdrawal limit before making a withdrawal. 

So, withdrawing cash from credit cards is a very expensive way to borrow funds. You should try to avoid it unless there are no other options available.

How to Set Limit in Axis Bank Credit Card

Axis Bank offers several helpful features for their customers; one of them is to set an axis credit card limit for your transactions. It helps you a lot to maintain a budget for yourself. You can do it very easily with the axis credit card app

  1. First, log in to your Axis Bank mobile app with your axis bank credit card login id and password. 
  2. Tap on the three parallel lines you can see on the top left corner of your mobile screen. 
  3. Tap on the Settings option. 
  4. Select the modify transaction limit option. 
  5. Now set your desired axis credit card limit by sliding the red dot you can see on your screen. 
  6. Once you set your desired axis bank credit card limit, tap on the modify option. 
  7. You will be asked to verify your selection.
  8. Tap on confirm and provide your MPIN. 
  9. You will get an OTP on your registered mobile number, enter the same, and tap on continue. 

Your daily transaction limit will be modified instantly. 

How to increase axis bank credit card limit

Each and every Axis Bank credit card comes with a specific credit limit, it says the maximum amount of credit you can have in an axis bank credit card billing cycle. A higher credit limit is always useful. Not only you can spend more with your axis credit card but a higher credit limit can also help you to keep your credit utilization ratio lower which can keep your credit score healthy.

However the limit is not fixed, the credit card provider can increase it. Normally axis bank credit card offers their worthy customers to increase their credit limit. You can also check if you are eligible for limit increase offers on axis bank credit card in the following ways – 

  • Through SMS:  

Just SMS – CLE (last four digits of your card number) and send it to 5676782. You should send the SMS from your registered mobile number, and if you are eligible you will be notified. 

  • Axis bank credit card limit increase online using the mobile app:
  1. Log in to your axis credit card app
  2. Now tap on the credit card option. 
  3. Select the credit card of which you want to check the axis bank credit card limit increase offer. 
  4. Now tap on the total control option. 
  5. Then tap on the check limit increase option. 

You can now see if you have got the axis bank credit card offer or not. 

  • From the official website:
  1. Go to the axis bank official website www.axisbank.com and log in to your axis bank credit card account
  2. Now click on the account option and select my credit card. 
  3. Then click on the axis bank credit card limit enhancement option to see the current axis credit card offers for a limit increase. 
  • By calling customer service:

You can also call the axis bank customer care number for credit card 1860 500 5555 or 1860 419 5555 and ask them if you are eligible or not. 

If you have not received the axis credit card offers but your income has increased, then you can apply for axis credit card limit enhancement. You can apply from your axis credit card net banking or mobile banking account. 

  • Using net banking: 
    • Log in to your axis bank credit card internet banking account and click on the account option. 
    • Now click on the credit card option. 
    • Then click on the limit enhancement option. 
    • Click on the apply now option and upload the documents to support your claim.
  • From mobile banking:
    • Log in to your mobile banking account with your axis bank credit card login credentials. 
    • Tap on the service and support option. 
    • Tap on the credit card limit and then select the limit increase option. 
    • Now tap on the apply now option and upload the documents to support your claim. 

How to block axis bank credit card

Credit Cards are one of those financial products that can earn you benefits from your transactions. On the other hand, if it gets lost or stolen it can cause you lots of trouble and financial loss. Therefore it is necessary to block your lost or stolen credit card as soon as you notice it. 

There are lots of options to block a lost Axis Bank credit card. You can block it online or offline. Both processes are discussed below – 

By offline method

  • How to block the axis bank credit card from Axis Bank’s official website?
  1. Visit the axis bank credit card support page https://application.axisbank.co.in/webforms/axis-support/index.aspx
  2. Click on the insta services option. 
  3. A new list of options will open. Select the block card option from there. 
  4. Now select the block credit card option. 
  5. On the new page enter your registered mobile number and the captcha code as it is. 
  6. Click on enter.

If the provided mobile number is valid, your card will be blocked instantly. 

  • How to block my axis bank credit card from Axis Bank net banking?
  1. Log in to your axis credit card net banking account with your axis bank credit card login id and password. 
  2. Click on the account option. 
  3. Select credit card or debit card from the menu. 
  4. Click on the block option. 
  5. Provide the necessary details 
  6. You will get an OTP on your registered mobile number, enter the same. 

Your card will be blocked instantly. 

  • How to block axis credit card from Axis Bank mobile app?
  1. Open the axis credit card app and log in to your account with your axis bank credit card login credentials. 
  2. Tap on the menu option. 
  3. Now select the service and support option. 
  4. Select the credit card and then tap on the block option. 
  5. Select your axis bank credit card no from the list (if you have more the one credit card registered under the account)
  6. Tap on the block and replace option. 
  7. You may need to provide your MPIN, enter it and your card will be blocked instantly.
  • Using the Axis chatbot called Aha! 
  1. Just click on the Axis Bank Aha icon. 
  2. Type, block my credit card. 
  3. Provide your MPIN or net axis bank credit card login credentials. 
  4. Select the Axis Bank credit card you want to block(if you have more than one credit card linked with your account)
  5. Click on the confirm option.
  6. You will get an OTP on your registered mobile number, enter the same. 
  7. Your selected card will be blocked instantly. 
  • How to block axis bank credit card by calling customer service? 

You can also call the axis bank credit card customer care no 1860-419-5555 or 1860-500-5555 and ask them to block your card. They will verify your axis credit card details and once it is done your card will be blocked. 

  • By visiting the branch

You can also visit your nearby Axis Bank branch and request the credit card representative to block your card. You may need to verify your details and once it is done the bank will block your card.

How to apply for axis bank add on credit card

Add-on credit card or supplementary credit cards are the credit cards that are issued against a primary or main credit card account. If you are a primary axis credit card holder, then you can issue supplementary cards for your family members. 

The process of issuing the axis bank add on credit card is simple. You can send an SMS – ADDON to 5676782 or you can download the axis bank add on credit card form from the Axis Bank official website, fill it up properly and submit it with all the needed documents to your nearest branch. 

Things to know about supplementary cards – 

  1. All the important messages, letters, emails related to the supplementary cardholder will be sent to the primary cardholder’s address. 
  2. The transactions made with the supplementary cards will be reflected in the primary axis credit card statement
  3. If international usage is enabled for the primary axis bank credit card account, the add-on card can be used internationally. 
  4. Some Axis Bank credit cards offer personalization options. For instance, if you have printed your image on your axis bank my choice credit card, then all the supplementary cards issued against it will have the same image on them.
  5. You can apply for up to 4 add-on cards against your primary credit card account.

How to activate axis bank credit card for international use

International transaction on axis bank new credit card is turned off to enhance the security of your card during shipment. However, you can turn it on very easily from your axis bank credit card internet banking, or mobile banking account. 

  • How to activate axis bank credit card for international usage from a net banking account?

If you have access to the Axis Bank internet banking service, then you can manage your international usage from there – 

  1. Log in to your axis credit card net banking account. 
  2. Click on the service option. 
  3. A new list of options will open, select credit card service from there. 
  4. Now select the axis bank credit card number of which you want to turn on the international usage. 
  5. Click on the manage usage option. 
  6. You can find options to manage your credit card transactions. Turn on international usage from there. 

International usage on your credit card will be turned on shortly.   

  • How to activate axis credit card for international usage from your mobile banking account?
  1. Log in to the axis credit card app
  2. Tap on the credit card option. 
  3. Now select your axis bank credit card and tap on the total control option. 
  4. Select the manage usage option. 
  5. A new page will open, where you can see three types of transactions – online, international, and contactless. 
  6. Select the international transaction option. 
  7. Turn it on, and you will get axis bank credit card international transactions enabled. 

But if you don’t use your card for international transactions, it is recommended to turn it off. 

How to check axis bank credit card statement

A credit card statement is a summary of your credit card used during a credit cycle. It helps you to track your expenses and maintain a budget. Normally an axis bank credit card statement is sent to the cardholder’s registered address at the end of the axis bank credit card billing cycle. But you can also check your current statement of axis bank credit card whenever you want.

  • How to get axis bank credit card statement online from the official website?
  1. Go to the Axis Bank statement download page https://application.axisbank.co.in/WebForms/axis-support/CC-statement.aspx 
  2. Enter your registered mobile number and the captcha code as it is. 
  3. Click on enter, select the month of your choice. 
  4. Click on the download option to download the statement for the selected month. 
  • Check credit card statement from axis bank credit card internet banking account?
  1. Go to the Axis Bank net banking portal and log in to your account, with your axis bank credit card login credentials. 
  2. Click on the credit card option and then select the view statement.
  3. Select the month of your choice. 
  4. Click on the get statement option. 
  5. The statement of the selected month will be downloaded in pdf format.
  •  How to get axis bank credit card statement from the mobile app?
  1. First, open the Axis Bank mobile app and log in to your account. 
  2. Tap on the credit card option. 
  3. A new list of options will open, select card statements from them.
  4. Select the month and tap on the download statement option to download axis bank credit card statement for the selected month. 
  • Checking credit card statement through phone banking

If you don’t have access to the net banking or mobile banking service then you can get axis bank credit card statements with just a phone call. 

Just call the axis bank credit card customer number 18604195555 or 18605005555 from your registered mobile number. You will be asked for a few details for verification.

  • Check credit card statement by visiting the branch

Alternatively, you can visit your nearby Axis Bank branch and request the credit card executive for your statement. You may need to pay a nominal fee for the service. 

You can also turn on the axis credit card e statement option from your Axis Bank mobile app and your monthly credit card statement will be sent to your registered email id. The process is discussed below 

  1. Log in to your Axis Bank mobile application. 
  2. Go to the credit cards section. 
  3. Select the card.
  4. Tap on the total control option. 
  5. Now select the axis bank credit card e statement option. 
  6. Select the card again, and tap on continue. 
  7. The e-statement facility will be activated shortly.  

You can also call the customer service number 1860 419 5555 or 1860 500 5555 and request them to turn on the e-statement facility for your account. In the same way you can check the due date of your Axis Bank credit card.

You will need the axis bank credit card statement password to view the credit card statement. It is an 8 digits password. The first four digits of it are the first four letters of your name and the last four digits of the password are the last four digits of your card number. 

How to file a dispute on axis bank credit card

If you have some complaint against your Axis Bank credit card transactions, or if you notice some unauthorized transactions on your axis bank credit card statement, then you can lodge a complaint against the disputed transaction. 

If you want to file a complaint against your Axis Bank credit card transaction, you just have to download the axis bank credit card complaint form, fill it up properly, attach the copy of mentioned documents, and send it to the address mentioned on the form. The list of required documents is mentioned on the form. 

You can download the axis bank credit card dispute form from here – https://www.axisbank.com/docs/default-source/download-document/personal/cards/card-holder-charge-dispute-form.pdf 

As you file a complaint, the credit card provider will initiate an investigation. During the investigation period, the disputed amount will be put on hold and you won’t need to pay any axis bank credit card charges for it. 

If your claim proves to be valid you will get a chargeback. On the other hand, if your claim is invalid you will be charged for it. 

How to get axis bank loan against credit card

Axis Bank offers its customers to get loans against their credit cards. These types of loans are called pre-approved loans. You do not need to provide any documentation or fulfill any axis bank credit card eligibility criteria to get the axis bank credit card loan. It is best for short-term cash requirements. 

You can get the axis bank personal loan on credit card very easily. The processes are discussed below – 

  • Apply via Axis Bank mobile app
  1. First, log in to your account with your axis credit card login credentials. 
  2. Go to the credit card section and choose your axis credit card
  3. Tap on the total control option you can find at the bottom of your screen.
  4. Tap on the axis bank credit card instant loan option. 
  5. You will get two options on your screen, Limit Loan and Large Loan. If you choose Limit Loan, the loan amount should be within your axis credit card limit and if you choose Large Loan, you can choose a loan amount beyond your credit limit. 
  6. Click on the limit loan option. 
  7. Select the axis credit card loan amount as per your requirement. 
  8. Select the tenure and tap on the continue option. 
  9. Your loan amount, axis bank credit card loan interest rate, and other loan details will be shown on the screen. Verify your choice and tap on the apply option. 

The loan on axis bank credit card will be credited to your linked savings account. 

  • Apply via net banking
  1. Log in to your axis credit card net banking account. 
  2. Go to the credit card section. 
  3. You can find the axis bank instant loan on credit card option there click on it.  
  4. Select the loan amount and the tenure and submit your application. 
  5. The loan amount will be credited to your linked savings bank account. 
  • Apply via missed call

You can also give a missed call to18004190230. You will get a call back for verification, and once it is done your loan amount will be approved. 

  • By calling the axis bank credit card customer care number

You can also call the axis credit card customer care number 18605005555 or 18604195555 and apply for the loan. 

How to check axis bank credit card balance

Axis Bank credit card users should check their axis bank credit card balance status to track their expenses. This practice is very helpful especially to maintain a monthly budget. If you want to check your axis bank credit card balance, then there are two options for you. You can check it online from your axis bank credit card internet banking or mobile banking account. Or you can go offline. All processes are discussed below – 

  • How to find axis bank credit card balance from net banking? 
  1. First, log in to your Axis Bank net banking account. 
  2. Go to the credit card section. 
  3. Now choose the axis credit card balance check option. 
  4. Select the axis bank credit card number of which you want to check the balance. 
  5. Click on the submit option and the details of your axis credit card balance will be displayed on the screen. 
  • How to know your axis credit card balance from the mobile app?
  1. Open the Axis bank mobile app and log in to your account. 
  2. Tap on the Credit card option.  
  3. A new page will open where you can see your axis bank credit card outstanding balance and other information. 
  • How to check balance in axis bank credit card with a phone call?

If you don’t have access to the net banking or mobile banking facility, then you can just call 1860 419 5555 or 1860 500 5555 and ask them for the details. 

  • How to check axis credit card balance through sms

You can also check your credit card balance with just an axis bank credit card balance check sms – just text BAL <your card number> and send it to 5676782. The SMS should be sent from your registered mobile number. 

In this way, you can also check the axis bank credit card payment due date

How to convert credit card payment to EMI in axis bank

Like most other credit card providers, Axis Bank offers their customers to convert their high-value purchases into axis bank credit card emi. This is one of the most useful axis bank credit card features that allow the cardholder to split his/her high-value purchase into easy monthly installments. The process of converting credit card transactions into EMI is discussed below – 

  • Axis bank credit card emi conversion using net banking:
  1. Log in to your axis credit card net banking account with your axis credit card online login credentials. 
  2. Go to the accounts section and select the credit card option. 
  3. You will get an option named convert to EMI, click on it. 
  4. Select the axis bank credit card statement type among current/unbilled statements according to your needs.  
  5. Select the transaction that is eligible for conversion. The eligible transactions will have a convert to EMI option with them. 
  6. Select the tenure and agree to all the axis bank credit card emi terms and conditions
  7. Now enter your NetSecure code and the transactions will be converted to EMI. 
  • Convert transaction into EMI using the mobile app:
  1. Open the Axis Bank mobile application and log in to your account. 
  2. Now tap on the credit card option
  3. A list of your registered credit cards will be shown on the screen. 
  4. Select the axis bank credit card of your choice. 
  5. Now tap on the convert to EMI option. 
  6. You will get three options on your screen – unbilled transaction, current axis bank credit card statement, and statement outstanding. Select according to your need. 
  7. A list of transactions will appear on the screen. 
  8. Select the transaction you want to convert. 
  9. Select the tenure and tap on the calculate option. 
  10. And the axis credit card emi calculator will calculate the applicable charges, axis credit card emi interest rate, and the monthly EMI amount. 
  11.  Verify the details and agree to the axis bank credit card terms and conditions, and tap on confirm. 

The selected transactions will be converted to EMI shortly. 

  • Convert transaction into EMI with a phone call:

You can also convert your Axis Bank credit card transactions into EMI with just a phone call. Just call the axis bank credit card customer care number 1860 419 5555 or 1860 500 5555. You will get an SMS on your registered mobile number. You will be notified for successful conversion.  

How to change address in axis bank credit card

Communication address plays an important role to maintain a seamless conversation between the card provider and the user. Even in the modern era when email or electronic mail is the norm, some important documents and notices need to be sent to a physical address. 

Therefore if you have changed your address you should perform an axis credit card address change to maintain seamless communication. 

  • Axis bank credit card address change online via net banking:
  1. Log in to your axis credit card net banking account. 
  2. Go to the service section and click on the axis bank credit card contact details option. 
  3. Click on the update details option. 
  4. Now click on the update PAN and address option. 
  5. Enter the new address. You must provide your PIN code, city, state, and country. 
  6. Provide your NetSecure code. 

You may upload some documents to support your application. Once it is done your address will be changed. 

  • How to change axis credit card address via mobile app?
  1. Open the Axis Bank mobile app and log in to your account. 
  2. Tap on the service option. 
  3. Now tap on the Insta Service option.
  4. Tap on the update contact option. 
  5. Now select the update communication address option. 
  6. Enter your new address, accept all the terms and conditions. 

You may need to upload some supporting documents for verification. Once the verification process is complete your registered address will be changed. 

  • How to change axis bank credit card address offline?

You can also go with the offline method. There are two options to change your address offline. You can call customer service and ask them to change your address, or you can visit your nearby branch and apply to change your address. 

    • How to change address in axis credit card by calling the customer service?

You can call the Axis Bank customer service number 1860 419 5555 or 1860 500 555 and ask them to change your address. 

    • How to update address in axis bank credit card by visiting the branch? 

You can also visit your nearby Axis Bank branch and talk to the credit card representative. He/she will guide you through the process. You may need to provide some documents to support your application. 

List of required documents:

  1. Passport. 
  2. Driving license.
  3. Voter Id.
  4. Job card issued by NEGRA
  5. Aadhar Card.
  6. PAN Card.
  7. Utility bills. 
  8. Tax receipt. 

How to update email id in axis bank credit card

Nowadays email id has become the leading communication medium. So if you have changed your email address recently you should update the same to maintain seamless communication with your card provider. 

If you are an axis bank credit card user then you can change your registered email address very easily from your Smartphone or axis credit card net banking account. The process is discussed below – 

  • Change email address via mobile app :
  1. First of all, log in to your axis credit card app
  2. Now scroll down and select my profile option from the services section. 
  3. Tap on the update button you can find beside your email id. 
  4. Tap on the contact option and then tap on the update email id option. 
  5. Tap on update and the new page enter the new email id. 
  6. Accept the axis bank credit card terms and conditions and tap on the update button. 

Your email address will be updated within 24 hrs. 

  • Change email address via net banking:
  1. Go to the Axis Bank net banking portal and log in to your account. 
  2. Now make a click on the service option. 
  3. Select axis bank credit card contact details. 
  4. Change the previous email id. 
  5. You will get an OTP on your registered mobile number, enter the same.

Your email id will be updated within 24 hrs.  

How to pay axis bank credit card bill offline

Axis Bank credit card users can pay his/her axis credit card bill offline. There are a number of options to pay credit card bills offline like – ATM Payment, Cheque payment, NEFT, or cash payment. All the methods are discussed below – 

  • How to pay axis credit card bill via an ATM?

To make axis bank credit card payment through ATM visit your nearby Axis Bank ATM and insert your Axis Bank debit card and then follow the steps given below – 

  1. Select the other service option 
  2. Tap on the axis credit card bill payment option. 
  3. Enter the credit card number and re-enter it.  
  4. You can see the total due amount and the minimum due amount. 
  5. Enter the amount. 
  6. Provide your axis bank credit card pin
  7. The bill amount will be transferred to your credit card account. 
  • How to pay axis bank credit card bill via cheque? 

To make your axis bank credit card payment by cheque, just issue a cheque in favor of your axis bank credit card account and drop it at your nearest Axis Bank branch. If you live in Mumbai you can drop your cheque at any MINC bill box. You should drop the cheque before 5 to 6 days of your due date. 

  • How to pay axis bank credit card bill via NEFT?

You can also make your axis bank credit card payment through NEFT. Just fill up an NEFT form with the axis bank credit card NEFT details given below – 

Name of the beneficiary-Name as printed on Axis Bank credit card. 

Beneficiary Bank name-Axis Bank. 

Branch – Mumbai 

Account number –your axis bank credit card number. 

IFSC code – UTIB0000400 

Once you submit the NEFT form, it would take 1 day to reflect on the transaction. 

  • Axis bank credit card bill payment by cash

Alternatively, you can walk to your nearby Axis Bank Branch and pay your credit card bill in cash. You will have to pay Rs. 100 as a processing fee. 

What happens if I pay only the minimal amount for an Axis Bank credit card?

The minimum due amount is a portion of your credit card due that you need to pay within the axis bank credit card payment due date to avoid the late payment penalty. Normally it is around 5% of your total axis bank credit card outstanding balance

In emergencies, or when you don’t have enough cash in your hand you can pay only the axis bank credit card minimum payment due to avoid the axis bank credit card late payment charges. The card provider will also not index your payment as default and it will keep your credit score unharmed.

But there are a number of risks involved with it. If you pay only the minimum due amount the rest of the amount will get carried forward. And a higher rate of interest will start counting on it. The axis credit card interest rate is very high (around 3.5% monthly) which will cause the due balance to swell up rapidly. You will get no interest-free period. 

And if it continues for a few months, you will fall into a debt trap, your axis bank credit card limit will decrease and the card provider may also block your axis bank credit card

How to close the axis bank credit card :

Axis Bank credit card users can close axis bank credit card accounts anytime they want. You can call the axis bank credit card customer care contact number (1860 419 5555 or 1860 500 5555) from your registered mobile number and ask them to close your credit card account. Or you can walk to your nearest Axis Bank branch and submit the axis bank credit card cancellation form to close your account. 

Things to remember before closing your account:

  1. Make sure there is no unpaid axis bank credit card balance in your credit card account that you want to close. 
  2. Check your axis bank credit card account for any unused axis bank credit card reward points. If there is any then redeem them first. You can exchange them against any product from the axis credit card reward points catalog. 
  3. Once the request for cancelation is submitted, stop using the card. If there is a fresh transaction the cancelation process will be terminated.

 

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