Pay Axis Credit Card Bill Online: A Complete Guide

Using credit cards for making payments and transactions is very common these days. Credit cards offer a convenient way to make purchases and pay later. However, you need to repay the credit card bill by the due date to avoid high interest charges. If you have an Axis Bank credit card you can easily pay your credit card bill online through multiple channels. This comprehensive guide will explain the benefits of paying your Axis credit card bill online and provide step-by-step instructions to do so via different methods.

Why Pay Axis Credit Card Bill Online?

Paying your Axis Bank credit card bill online is the most convenient way to repay your credit card dues Here are some key benefits of paying your Axis credit card bill online

• Avoid Late Fees: When you pay your credit card bill online before the due date, you avoid late payment fees and penalties. This helps save money.

• Maintain Good Credit Score: Paying credit card bills on time and in full helps maintain a high credit score. This makes you eligible for better credit terms in future.

• Track Payments: Online payments allow you to track the status and get instant confirmation once the payment goes through.

• Auto Debit Facility: You can set up automated recurring payments so that the minimum or full bill amount gets deducted automatically every month. This ensures you never miss a payment due date.

• ** Reward Points:** Paying your credit card bills via Axis Bank channels gives you accelerated reward points on transactions.

So clearly, paying Axis credit card bills online is beneficial. Next, let us look at the various online payment modes offered by Axis Bank.

How to Pay Axis Credit Card Bill Online

Axis Bank offers multiple online options to pay your credit card bills conveniently. You can pay from an Axis Bank account or via other bank accounts as well.

1. Netbanking

If you have an Axis Bank savings or current account, you can pay your credit card bill via Netbanking in a few quick steps:

• Log in to Axis Bank Netbanking with your username and password.

• Go to ‘Payments’ or ‘Transfers’ section and select ‘Credit Card Payment’.

• Choose the Axis Bank credit card you want to make payment for.

• Enter the amount – full or minimum due.

• Complete authentication via OTP.

That’s it! The bill payment will get credited to your credit card instantly.

2. Mobile Banking

The Axis Mobile app also lets you pay your credit card bill seamlessly:

• Login to Axis Mobile app and go to ‘Payments’ section.

• Pick ‘Credit Card Payment’ option.

• Select the card to make payment for and enter amount.

• Authenticate via MPIN and complete payment.

The bill payment gets updated instantly. You can even set a recurring e-mandate on the app.

3. Auto-Debit

You can automate Axis credit card bill payments every month directly from an Axis Bank account. Here are the steps:

• Login to Netbanking and go to ‘Credit Card Services’.

• Choose your credit card and select ‘Auto-Debit Setup’.

• Set the date and amount for monthly autopayments.

• Confirm and activate auto-debit. The payments will now happen automatically on the set date.

4. Pay Via UPI

UPI apps like Google Pay, PhonePe, Paytm etc. allow instant bill payments for Axis Bank credit cards:

• Open your UPI app and pick ‘Credit Card Bill Payment’ option.

• Enter Axis Bank credit card details and amount.

• Authenticate via UPI PIN to complete payment.

The bill amount gets credited to your card quickly.

5. NEFT

You can transfer funds from any bank account to credit card via NEFT:

• Initiate NEFT transfer from your bank’s Netbanking for credit card payments.

• Enter Axis Bank credit card number as beneficiary account number.

• Add correct IFSC code and other details.

• Transfer the bill amount and make payment.

NEFT payments take 1 working day to reflect in your credit card account.

6. ATM

To pay your Axis Bank credit card bill at ATM, follow these steps:

• Insert your Axis Bank debit card at any Axis ATM machine.

• Select ‘Bill Payments’ option from the menu.

• Choose credit card payment and enter your credit card number.

• Input the amount you want to pay and complete the transaction using your debit card PIN.

The bill payment will get updated in your credit card on the same day.

The payment gets credited to your account instantly or within 1-2 working days, allowing you to avoid late fees or interest charges. Paying Axis credit card bills online also lets you track payments in real-time.

Other Ways to Pay Axis Credit Card Bill

While online modes are the fastest, you can also pay your Axis credit card bill via other mediums:

• Cash payment at Axis Bank branches – Take your credit card bill to the branch and pay cash over the counter. A nominal fee of Rs. 100 applies.

• Cheque/Draft – Drop the cheque favoring your credit card number at any Axis Bank branch. Outstation cheques take 3-5 days to get credited.

• Axis Bank Debit Card – Swipe your debit card on Point-of-Sale machines at Axis Bank branches to make credit card bill payments.