How to Pay Your Axis Bank Credit Card Bill Online: A Step-by-Step Guide

Paying your Axis Bank credit card bill on time every month is crucial to avoid late fees, finance charges, and damage to your credit score. With several convenient payment options, Axis Bank makes it easy to pay your credit card bill before the due date. This comprehensive guide will walk you through the different ways to pay your Axis Bank credit card bill online or offline.

Overview of Axis Bank Credit Card Bill Payment

An Axis Bank credit card statement is generated each month with details of all transactions total outstanding amount minimum amount due, payment due date, etc. You must pay at least the minimum amount due before the due date to avoid late payment fees. However, it is advisable to pay the total outstanding amount to avoid interest charges on the carried forward balance.

Axis Bank offers multiple online and offline options to pay your credit card bill conveniently

• Axis Bank Netbanking/Mobile App Pay instantly via netbanking or Axis Mobile app by adding your credit card and linking your Axis Bank savings/current account

• Auto-Debit: Set up recurring auto-debit from your Axis Bank account every month to pay the minimum or total amount due

• Axis Bank ATMs: Use your Axis Bank debit card at any Axis ATM to pay your credit card bill

• Cash/Cheque Payment: Visit the nearest Axis branch for over-the-counter cash/cheque payment

• UPI Apps: Initiate an instant UPI payment from any app directly to your Axis credit card

• NEFT/RTGS: Transfer funds from any bank account to your Axis credit card through NEFT/RTGS

• Payment Gateways: Pay your Axis credit card bill securely via payment gateways like BillDesk, CCAvenue, Eazypay, PayTM etc.

Now let’s look at the step-by-step process to use these options and pay your Axis credit card bill online instantly, or within 1-2 working days.

Step-by-Step Guide to Pay Axis Credit Card Bill Online

1. Axis Bank Netbanking/Mobile App

• Netbanking: Log in to your Axis Bank netbanking account and go to ‘Credit Cards’ tab. Select your credit card, enter amount (minimum due or total outstanding) and complete payment using OTP.

• Mobile App: Open Axis Mobile app, go to ‘Credit Cards’ under Quick Links, choose your card, enter amount and complete payment using M-PIN.

The payment will reflect in your credit card account within 1 working day. Netbanking/mobile app provide the fastest and most convenient way to pay your Axis credit card bill online.

2. Setup Auto-Debit for Credit Card Bills

You can automate your Axis credit card bill payments every month by setting up auto-debit through netbanking or mobile app:

• Netbanking: Log in > Services > Credit Card Services > Choose Card > Auto-Debit Setup

• Mobile App: Services > Credit Card > Auto-Debit Payment > Choose Card > Activate

This will deduct the bill amount automatically from your linked Axis account on the due date. You get the flexibility to pay minimum amount due or total outstanding amount.

3. Pay at Axis Bank ATMs

Follow these steps to pay your Axis credit card bill at any Axis Bank ATM:

• Insert your Axis Bank debit card and enter PIN
• Select ‘Other Services’ > ‘Bill Payment’
• Input your credit card number twice for verification
• Enter the payment amount and complete the transaction

The ATM payment will reflect in your credit card account on the same day. This option is useful when you want to pay the bill at the last minute.

4. Cash/Cheque Payment at Axis Branches

To pay your credit card bill over the counter with cash or cheque, visit your nearest Axis bank branch. Keep the following in mind:

• Cash payments attract a fee of Rs. 100 per transaction
• Cheque payment takes 1 working day for Axis Bank cheques, and 3-5 days for other bank cheques
• Drop cheques 5 days before your due date, drawn on a local bank, and not post-dated

5. Pay via UPI Apps

You can now make instant credit card bill payments through any UPI app like Google Pay, PhonePe, PayTM, etc. Just follow these simple steps:

• Open your UPI app and select ‘Pay Credit Card Bill’
• Enter Axis credit card details and bill amount
• Complete payment using UPI PIN

The transaction will get completed instantly and payment will reflect in 2 working days. UPI makes card bill payment super quick and easy.

6. NEFT/RTGS from Other Bank Accounts

To pay your Axis credit card bill from any other bank account through NEFT/RTGS:

• Log in to your bank’s netbanking and initiate NEFT/RTGS transfer
• Enter Axis credit card number as beneficiary account number
• Add correct details like IFSC code, beneficiary name etc.
• Make the fund transfer for desired bill amount

NEFT payments take 1 working day while RTGS transfers are instant (if within bank hours).

7. Payment Gateways

You can also use payment gateways like BillDesk, CCAvenue, Eazypay, PayTM etc. to pay your Axis credit card bill securely online via netbanking, UPI, credit & debit cards. These gateways offer 24×7 payment convenience.

Follow the step-by-step payment process at the gateway to complete your credit card bill payment from any bank account. The amount gets credited to your card within 1-2 working days in most cases.

Summary

• Pay your Axis Bank credit card bill on or before the due date to avoid late fees and interest charges
• Choose a payment mode like netbanking, mobile app, ATM, cash, UPI, NEFT etc. as per your convenience
• Netbanking, UPI and RTGS offer instant payments while other modes take 1-2 working days
• Set up auto-debit to automate recurring bill payments every month from your Axis account
• Always pay the total outstanding amount to avoid carrying forward balances and accrual of interest

Paying your Axis credit card bills on time every billing cycle is key to enjoying a healthy credit score and lower finance charges. Follow this detailed guide to pay your Axis Bank credit card bills swiftly through multiple digital payment options. Establish timely bill payment discipline to reap the full benefits of using your credit card.