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FAQs
A: Not paying the Credit Card bill before the due date can incur late payment fees and additional interest charges and negatively impact your credit score, which may affect future credit opportunities.
What is the meaning of over limit facility in Credit Card? ›
A credit card over limit fee is a charge that is incurred when you exceed your approved credit limit. Each credit card has a predetermined credit limit, which is the maximum amount you are allowed to use on the card. When you make purchases that exceed this limit, the card issuer may impose an over limit fee.
What is the annual fee for an Axis Bank Credit Card? ›
Fees & Charges
CHARGES | SELECT CREDIT CARD |
---|
Standard Annual Fee (2nd year onwards) | Rs 3000 (NIL for Burgundy) |
Standard Add-on Card Joining Fee | NIL |
Standard Add-on Card Annual Fee | NIL |
Finance Charges (Retail Purchases & Cash) | 3.6% per month (52.86% per annum) |
22 more rows
What is over limit facility in Axis card? ›
The Bank may approve certain transactions attempted by the Cardholder which can breach the Page 5 Credit Amount exceeds the Credit Limit, an over-limit fee of 3% of the over-limit amount (subject to a minimum of Rs. 500) will be levied. Over-limit status may occur because of fees or interest charges.
What is the due date for an Axis Bank Credit Card? ›
The Axis Bank credit card billing cycle encompasses the period between statement generation and payment due dates, typically lasting around 20-25 days. It includes recording transactions and generating statements for cardholders.
Is there any grace period for Axis Bank credit cards? ›
For instance, the Axis Bank Credit Card offers a 20–50 day grace period along with numerous monetary benefits, like a no-joining fee and an annual fee. Let's understand what a grace period is for a Credit Card for clarity on your payment timelines.
What happens if you never pay back a credit card? ›
Consequences for missed credit card payments can vary depending on the card issuer. But generally, if you don't pay your credit card bill, you can expect that your credit scores will suffer, you'll incur charges such as late fees and a higher penalty interest rate, and your account may be closed.
What is the full form of MITC in banking? ›
Personal Banking MITC (Most Important Terms & Conditions) - HDFC Bank.
What happens if I pay my credit card the day it's due? ›
If you pay your bill in full by the billing due date, you will completely forego interest charges. If you make at least the minimum payment, you will start to incur interest charges on the outstanding balance but will maintain your good standing with the issuer.
What happens if I go over my credit limit but pay it off immediately? ›
Going over your credit limit usually does not immediately impact your credit, particularly if you pay down your balance to keep the account in good standing. However, an account that remains over its limit for a period of time could be declared delinquent, and the issuer could close the account.
Credit limit (or facility limit)
The maximum amount you can borrow under your home loan contract.
What happens if I pay the minimum due on my credit card? ›
Credit cards apply interest on your outstanding balance every month. So if you pay only the minimum amount, your outstanding balance will remain high. The interest on the outstanding balance will accumulate month on month, making your debts higher.
What happens if I pay only the minimum due on my credit card Axis? ›
You will not be offered any interest-free credit period if you have paid only the Minimum Amount Due (MAD) and not the credit card outstanding in full. Rather, you will be charged an interest amount from the date of purchase. The interest amount will also keep accumulating till you settle the dues.
What is the average credit card fee per month? ›
Typical Costs for Credit Card Processing
The monthly fee may range from $9.95 to $20. The per-transaction fee can range from 0.18% plus 10 cents to 0.50% plus 10 cents. Let's take a look at some examples from popular payment processors from our list of the best payment processors for small business.
What is an over-limit facility? ›
However, banks extend the over-limit facility, allowing you to surpass this limit by a predetermined percentage, often between 10% and 20% of the original credit limit. For instance in this scenario, you could spend Rs 1.8 lakh on your Credit Card instead of the standard Rs 1.5 lakh.
What is credit limit facility? ›
What Is a Credit Limit? The term credit limit applies to the maximum credit amount allocated to a customer as extended by a financial institution. A lending institution applies a credit limit to either a credit card or any credit line.
What is the over-limit fee on a credit card? ›
Key Takeaways. An over-limit fee is a penalty charged to credit card customers who breach their credit limits. In the past, companies had discretion as to the size of their over-limit fees but now cannot charge higher than the amount that was exceeded.
Can we withdraw money from Axis credit card? ›
While you can withdraw cash through your credit card from an ATM, Axis Bank levies a limit to it. Usually, this limit is 40% of your total credit limit. However, if your card is less than 180 days old, the withdrawal limit could be zero.
Which credit card of Axis Bank is best? ›
Summary of The Best Axis Bank Credit Cards 2024
Policy Name | Forbes Advisor India Rating | Welcome Benefits |
---|
Axis Bank Neo Credit Card | 3.5 | Vouchers and subscription |
Axis Bank My Wings Credit Card | 3.5 | Nil |
Axis Bank Select Credit Card | 3.0 | Amazon voucher |
2 more rows
What are the charges of Axis Bank credit card? ›
Fees & Charges - Airtel Axis Bank Credit Card
Description | Charges |
---|
Outstation cheque fee | Waived |
Transaction Alert SMS | Free |
Balance enquiry charges | Waived |
Finance Charges (Retail purchases and Cash) | 3.6% per month (52.86% per annum) |
22 more rows
The short answer is yes, but not directly. Credit Card companies typically do not allow you to pay off your Credit Card bill directly using another Credit Card. However, there are alternative methods to achieve this, each with its own set of benefits and considerations.
Can I pay an Axis credit card bill after the due date? ›
The Credit Card billing cycle is the period for which the Credit Card statement is generated. You should always pay your Credit Card bill before the due date. Paying after the due date will attract late payment charges and interest.
How do I know my Axis credit card billing date? ›
Here's that general guide:
- Log in to your internet banking account using your credentials.
- Choose the section related to credit cards or card services.
- Select the option to view your credit card statement. It will provide the details about your billing cycle and billing date.
What will bank do if I don't pay credit card bill? ›
In such situations, your credit card issuer will first send several notices via email or SMS and call you asking to make the payment. If you do not make the payment after a stipulated period, they will close your account and report the default to the credit bureaus.
What happens if you don t pay your entire credit card balance? ›
If this happens: Your lender will contact you to demand the missing payments are made. Then if you don't make the payments they ask for, the account will default. And if you still don't pay, further action may be taken, such as employing debt collection agents to recover the money you owe them.
What will credit card companies do if you don't pay? ›
Penalties for missing a payment include negative marks on your credit history, late fees, the loss of promotional interest rates or rewards and increased interest rates. Even a recently missed payment on credit card debt can result in a call from a collections agency.
Is it illegal to not pay credit card bill? ›
While debt collectors cannot have you arrested for not paying your credit card debt, creditors can still use the legal system to make sure they get their money back.