Axis Bank Credit Card Benefits (2024)

Axis Bank Internet Banking

Pay your Credit Card bills online through Axis Bank Internet Banking from your Axis Bank Savings account.

All you have to do is:

  • Log on to Axis Bank Internet Banking
  • Go to Credit Card>Balance and payments
  • Select the Credit Card number
  • Select the Account to be debited
  • Enter the amount you wish to pay
  • Click "Submit"

TAT for clearance: Same day

Axis Bank Internet Banking for Multiple Axis bank Credit Card Payment

Pay multiple Axis Bank Credit Card bills through Axis Bank Internet Banking with below simple ways.

Registration Process

  • Log on to Axis Bank Internet Banking
  • Go to Accounts > Pay Bill Option
  • Click on Add New Biller and register selecting Category "Credit Cards" and select the biller "Axis Bank Credit Card - Directpay"
  • Enter the Biller details as Nick name and Credit card no. then Click on Fetch button to verify the Card holder name
  • Verify the details by entering the Netsecure code which has been received through SMS and Click on "Add" button
  • After successful registration of New Biller the details will be reflecting in the "Registered biller "and "Direct pay" option

Payment Process

  • Log on to Axis Bank Internet Banking
  • Go to Accounts > Pay Bill Option
  • In"Direct Pay" option select the active Registered Biller and Click on "Pay Now"
  • Two Options show on the screen

-->One Time Payment

-->Repetitive Payment

On Selecting One Time Payment

  • Enter the Payment Amount and Click on Make Hot payment check box, funds will be debited Instantly and credited to Credit Card on Real Time.

On Selecting Repetitive Payment

  • Select the Payment Amount and frequency (Weekly, Monthly, Annual payment etc.) to debit the funds on repetitive schedule basis on a particular day as per the number of payments mentioned in the field.

Electronic Clearing Service (ECS)

You can enroll for ECS facility and pay your Axis Bank Credit Card bill from any other Bank account. Please download the ECS forms (both Part A and Part B) and send the completely filled forms to the address mentioned on the form.

Click here for ECS Form Part A

Click here for ECS Form Part B

National Electronic Funds Transfer (NEFT)

With the NEFT facility, you can pay your Credit Card bills online from any other bank account.

All you need to do is:

  • Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
  • Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:
Beneficiary NameName as on Credit Card
Beneficiary Bank NameAxis Bank
Beneficiary Branch NameMumbai
Beneficiary Account NumberYour 16 digit Credit Card number
IFSC CodeUTIB0000400

TAT for NEFT clearance- 1 working day

Visa Money Transfer

You can also make your payment using Visa Money Transfer, which lets you use your Net Banking facility or your Visa Debit Card to make your payment. Contact your bank's Customer Service to know more about how you can use this service

TAT for VMT clearance- 2 working day

Pay Online using Other Bank Accounts

Pay your Credit Card Bills by using the Net Banking Facility offered by your Bank. Pay Online

TAT for clearance: 3 working days

Mobile Payment

START BANKING A NEW WAY. YOUR WAY ! with Axis Bank mobile application which is simple, user-friendly, convenient and secure mobile application.

Download the application - SMS MBANK to 5676782 (for Android , Iphones , Blackberry and Java Phones) To know more click here

The Customer should have registered his current Mobile Phone Number for SMS Banking via secured channel with Axis Bank for this service.

Steps for Mobile Payments

  • Log in to your Mobile Payments
  • In Accounts option - Click on the Credit Card Number and Amount TAB which shall take you to Credit Card Summary page
  • Click on Pay Last Bill option on Credit Card Summary Page.
  • Enter the Amount which you want to pay and click Continue which shall take you to Confirmation Page.
  • Click on Confirm button once you have checked the details are correct.
  • Prompts for Mobile PIN, Enter your Mobile PIN you get payment confirmation Success.

TAT for clearance: Same day

IMPS(Immediate Payment Service)

A tap on your mobile screen is all that it’ll take to pay your Credit Card bill. IMPS, an easy mode of payment makes it convenient for you to pay your bills on the go, through your bank’s mobile application.

So start making smart payments today, with IMPS.

Steps for IMPS usage:

  • Download and log in to your mobile banking application. To know more click here
  • Post login - In transfer feature enter the details as given below in IMPS Payment Option
  • Merchant Details (P2M)
  • Mobile No. 9619919900 (Unique and dedicated No. to be used for Axis Bank Credit Card payment)
  • MMID-9211400 (Unique and dedicated MMID No.)
  • Payment Amount
  • Payment Reference - 16 Digit Axis Bank Credit Card No.

For a list of all participating banks, please Click here

TAT for clearance: Same day

Payment through SMS :

Paying your Axis Bank Credit Card bill doesn’t get any easier than this! Just send us an SMS* to pay your bill in real-time. All you need to do is:

SMS:- CCP Last 6 Digit of your Axis Bank Saving/Current Account No. Payment Amount Last 4 Digit of Credit Card No.

e.g. - CCP 491525 50 2958 and send it to 5676782.

Send this SMS from your registered mobile number and the amount will be credited to your Credit Card account in real time.

Note* : This facility can be used to make payments of Rs.5000 & below. Daily limit of SMS based transaction will be Rs.5000 for Credit Card bill payment.

Axis Bank Credit Card Benefits (2024)

FAQs

Why does Axis Bank reject a credit card application? ›

Insufficient salary

Salary is a very important criterion for a credit card. If you do not match the salary criteria stipulated by Axis Bank your application will be rejected. There is also the other scenario where though you have higher income your application might have been rejected.

What is the disadvantage of Axis Bank credit cards? ›

Disadvantages of Axis Bank Credit Card EMI conversion:

The Axis Bank Credit Card EMI interest can be around 1.5% (Monthly Reducing Balance) for post-purchase EMIs or 14% for Merchant EMIs. 2. Blocked Credit Limit - When customers utilize the credit limit the amount is blocked against the total available credit limit.

How to solve Axis credit card problem? ›

You can contact Axis Bank credit card customer care by calling the toll-free numbers 1-860-419-5555 or 1-860-500-5555, or by visiting the bank's website for more options.

Is it hard to get Axis Bank credit card? ›

With your documents ready, your application journey might be an easy one. Axis Bank, for instance, requires you to provide your identity and residential proof, which can be your ration card, electricity/telephone bill, or passport. You can submit your latest salary slip, Form 16, or Income Tax Returns for income proof.

What is the minimum credit score for credit card Axis Bank? ›

What is eligibility Criteria for Axis Bank Credit Card? The applicant must be a resident of India or an NRI and must be in the age range of 18-70 years. A minimum monthly salary of INR 15,000 should accrue to the applicant. The applicant must have no previous loan defaults and must have a credit score of above 750.

Is it bad if I apply for a credit card and get denied? ›

Can getting denied for a credit card hurt your credit score? No, a credit card denial does not affect your credit. However, you might see a slight drop in your credit score due to the hard credit inquiry associated with your credit card application.

Is Axis Bank credit card worth it? ›

Should you apply for Axis Bank ACE Credit Card? Axis Ace credit card is a good choice for those who want to get high value-back for a low annual fee. While most cards offer low or no rewards on utility bill payments, Axis Ace offers a 5% cashback on making such transactions via Google Pay, which is an excellent offer.

Which card is best Axis or HDFC? ›

HDFC Regalia Gold and Axis Magnus are credit cards from two different leagues. While HDFC Regalia Gold would be available to a larger set of consumers with a minimum monthly income requirement of Rs. 1 lakh,, Axis Magnus requires a minimum annual income of Rs 24 Lakh, catering to high-income individuals.

Which credit card is best in Axis Bank? ›

Summary of The Best Axis Bank Credit Cards 2024
Policy NameForbes Advisor India RatingWelcome Benefits
Axis Bank Neo Credit Card3.5Vouchers and subscription
Axis Bank My Wings Credit Card3.5Nil
Axis Bank Select Credit Card3.0Amazon voucher
2 more rows

Can I transfer money from Axis credit card to bank account? ›

Axis Bank's integration with various e-wallets and mobile applications allows for easy loading of funds from credit cards. Once the money is loaded into the e-wallet, it can be seamlessly transferred to any bank account, including those at Axis Bank.

Do not honor Axis Bank credit card? ›

The "Do Not Honor" authorization or declined transaction error can occur when you're trying to make a payment using a debit or credit card. This error usually happens because your bank is rejecting the transaction request for one of the following reasons: The card has expired. The card details you provided are ...

How do I complain about my Axis credit card? ›

Call Us
  • 1 - 860 - 419 - 5555. (charges applicable)
  • 1 - 860 - 500- 5555. (charges applicable)
  • 1 - 800 - 103- 5577. (toll-free) Agri and Rural.
  • 1 - 800 - 419 - 5577. Corporate Phone Banking & CMS Product Number.
  • 1 - 860 - 500 - 4971.

Can we have 2 credit cards from Axis Bank? ›

Max 3 different Axis bank Credit cards for non employees (excluding add on cards).

Can NRI apply for Axis credit card? ›

Can NRIs apply for Axis Bank credit cards? Yes. Axis Bank offers credit cards to both Resident Indians and NRIs.

Which bank approves credit card easily? ›

The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit. But unlike many other secured credit cards, it has a generous rewards structure.

Why is my credit card application not being approved? ›

The Equal Credit Opportunity Act requires credit card issuers to send applicants the rationale for any declined application within seven days. Common reasons include a high debt-to-income ratio, a low credit score, insufficient monthly income, a limited credit history or delinquencies.

Why my credit card request is getting rejected? ›

If you have a low credit score, your Credit Card application can get rejected. There are multiple reasons for low credit scores; these include delay in EMI payment, debt, defaulting on repayment of previous loans, and others.

Why is my credit card denied due to card issuer rejection? ›

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.

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