Pay Axis Bank Credit Card Bill Online: A Complete Guide

Using credit cards for your daily expenses can make life more convenient. However, it also comes with the responsibility of paying your credit card bills on time. Missing your payment due dates can lead to late fees, interest charges, and a lower credit score.

When you have an Axis Bank credit card, you can pay your bill quickly through multiple online and offline channels Read on to learn the step-by-step process to pay your Axis Bank credit card bill online through netbanking, mobile banking, and more

Overview of Paying Axis Bank Credit Card Bills

Axis Bank issues various types of credit cards including rewards cards, travel cards, and premium cards. When you use your Axis Bank credit card for purchases, the bank pays the merchant on your behalf. This is an interest-free credit extended by the bank.

You get a grace period of up to 50 days to repay this amount. During this period, you will not be charged any interest on your purchases.

Your credit card statement is generated on a monthly basis It contains details of all your credit card transactions, total outstanding amount, minimum amount due, payment due date, etc

You have three options to repay your credit card bill

• Pay the total outstanding amount – This closes your credit card bill fully. No balance is carried forward.

• Pay minimum amount due – This is usually 5-10% of total outstanding amount. The remaining balance carries forward, attracting interest charges.

• Pay any amount in between – You can pay any amount higher than the minimum amount due but less than total outstanding. The remaining balance carries forward.

Ideally, you should try to pay your credit card bill in full to avoid interest charges. However, paying just the minimum amount due is also acceptable to keep your account in good standing.

Now let’s look at the various ways to pay your Axis Bank credit card bill online.

Pay from Your Axis Bank Account through Netbanking

If you have a savings or current account with Axis Bank, you can easily pay your credit card bill through netbanking. Follow these steps:

1. Log in to your Axis Bank internet banking account using your customer ID and password.

2. Under ‘Accounts’, click on ‘Credit Cards’ option.

3. Select the credit card for which you want to make payment.

4. Choose ‘Pay now’ and enter the amount you wish to pay.

5. You can choose to pay the total outstanding amount, minimum amount due, or any other amount.

6. Review payment details and confirm.

7. Enter the OTP received on your registered mobile number to complete payment.

This will instantly debit your bank account and credit the equivalent amount towards your credit card bill. The payment gets updated in 1 working day.

Pay through Axis Mobile App

The Axis Mobile app also lets you pay your credit card bill instantly. Just follow these simple steps:

1. Log in to Axis Mobile app on your phone.

2. Go to the ‘Credit Cards’ section under ‘Quick Links’.

3. Select the credit card for which payment is to be made.

4. Review total outstanding amount.

5. Click ‘Pay Now’ and enter amount to be paid.

6. Review and confirm payment details.

7. Enter your mobile banking MPIN to authorize and complete payment.

This real-time payment mode is very convenient to use. Your credit card gets credited within 1 working day.

Setup Auto-Debit for Credit Card Bills

The most hassle-free way to pay your Axis Bank credit card bill is to setup auto-debit from your Axis Bank account. Here are the steps to do so:

On Mobile App

1. Log in to Axis Mobile app > Go to ‘Services’ > Click ‘Credit Card’

2. Choose your credit card > Select ‘Auto-Debit Payment’

3. Click ‘Activate’ to enable auto-debit facility

On Netbanking

1. Log in to Netbanking > Go to ‘Services’ > Click ‘Credit Card Services’

2. Select your credit card > Choose ‘Auto-Debit Setup’

3. Activate the auto-debit option

Based on your instructions, the full bill amount or minimum amount due will get deducted automatically from your linked Axis Bank account on the due date. This ensures you never miss a payment or pay late fees.

Pay Credit Card Bill through Axis Bank ATMs

You can also pay your Axis Bank credit card bill by visiting an Axis Bank ATM near you. Just insert your debit card and follow these steps:

1. Select ‘Other Services’ on the ATM menu

2. Choose ‘Bill Payment’ under other services

3. When prompted, enter your credit card number twice

4. Your total and minimum due amount will be displayed

5. Enter the amount you wish to pay

6. The payment will be made from your bank account linked to the debit card

This is an instant payment mode and suitable when you want to pay your bill at the last minute before due date.

Pay by Cash or Cheque at Axis Bank Branch

If you prefer, you can also visit the nearest Axis Bank branch and pay your credit card bill through cash or cheque. Here are the details:

• Cash Payment – A fee of Rs. 100 is charged per transaction. Payment gets credited same day.

• Cheque/Draft Payment – Make the cheque favoring your credit card number. Drop it at any Axis branch. Outstation cheques may take 3-5 days to clear. Axis Bank cheques get credited in 1 working day.

While branch payment modes are available, online modes are faster and more convenient.

Pay from Another Bank through NEFT/RTGS

If you don’t have an Axis Bank account, you can still pay your Axis Bank credit card bill from any other bank account using NEFT money transfer facility. Here are the steps:

1. Log in to your other bank netbanking account and initiate NEFT transfer

2. Add Axis Bank as beneficiary using these details:

   • Beneficiary name: Your name
   • Beneficiary account number: Your credit card number
   • Beneficiary bank: Axis Bank
   • IFSC code: UTIB0000400

3. Enter amount and submit the NEFT transfer request

The money gets credited to your credit card in 1 working day. This facility is available on most bank netbanking portals.

Pay Credit Card Bill through UPI Apps

Unified Payments Interface (UPI) apps like BHIM, Google Pay, PhonePe, Paytm etc. offer a real-time method to pay your Axis Bank credit card bill. Just follow these simple steps:

1. Open your UPI app and select ‘Credit Card Bill Payment’

2. Enter details of your Axis Bank credit card

3. Mention bill amount and make payment using UPI PIN

The payment will get updated instantly on your credit card account. This 24×7 payment mode helps you pay your bill anytime from anywhere within seconds!

Pay Online through Axis Bank Website

You can also pay your Axis Bank credit card bill directly through the bank’s website:

1. Go to Axis Bank Credit Card Bill Payment

2. Enter your credit card details and amount to be paid

3. Complete payment using netbanking, UPI, debit card, etc.

This online payment gateway is convenient for quick bill payment from any device. You can use it as a backup if you are unable to access mobile or netbanking.

Check Credit Card Payment Status

You can check if your credit card payment has been received by Axis Bank in 1 working day through:

• Netbanking – Login to account and check ‘Recent Transactions’

• Mobile App – Check ‘Account Statements’ section

• Customer Care – Call the 24×7 helpline or chat support

• SMS – Send ‘Status’ SMS to the service number to get update

This helps you confirm the payment credit and avoid any unnecessary follow-ups.

Important Points about Axis Bank Credit Card Bill Payment

Here are some important aspects to note about Axis Bank credit card bill payments:

• Cash payments at branch have a fee of Rs. 100 per transaction

• Outstation cheques may take 3-5 working days to credit

• Auto-debit facility ensures you never miss a payment

• Online modes are the fastest way to pay your credit card bills

• Payment confirmation happens within 1 working day

• Set payment reminders as per your bill generation date

• Avoid minimum payments to save on interest charges

• Maintain account balance to avoid failed transactions

• Contact bank in case of any payment issues faced