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Axis Bank

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Axis Bank issued its first Credit card when it was still known as UTI Bank during 1999. The UTI Bank in association with Citibank launched an international co-branded credit card under the MasterCard’s umbrella. In 2005, Axis Bank launched Credit Card business in India. During 2007, it launched Platinum Credit Card, India’s first EMV Chip based card. In the year 2008, Axis Bank launched Platinum Credit Card, the first of its kind of EMV Chip based card.

List of Axis Bank Credit Cards

AXIS Bank

Axis Bank is one of the first new-generation private sector banks to have started its operations way back in 1994.

It was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (previously known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.

The shareholding of Unit Trust of India was finally transferred to SUUTI, an entity established in 2003.

On July 30, 2007, UTI Bank changes its name to Axis Bank.

Axis Bank is the third biggest private sector bank in India. It has 3,589 domestic branches (including extension counters) and 13,977 ATMs across the country as on December 31, 2017. It has more than 50,000 employees across the globe.

Its corporate office is located in Mumbai and the registered office is in Ahmadabad, Gujarat.

Features of Axis Bank’s Credit Card

The following are the features of Axis Bank’s Credit Card:

Attractive Rate of Interest – Axis Bank offers an attractive rate of interest on credit cards and it has waived most of the charges on some of its credit card categories which includes joining fee for an add-on card. It provides multiple tenor options to suit the payment budget of the customer. 

High Security – It provides high security for credit cards as it has features of both EMV Chip and PIN protection.

Rewards – Axis Bank offers exciting offers on movie ticket bookings, cashback, shopping, dining, grocery, healthcare, lifestyle, travel, complimentary lounge access both domestic and foreign and so on. The bank has tie-ups with leading brands across all the sectors and provides attractive offers when an Axis Bank’s credit card is used to purchase a product or service.

Convert Purchases to EMI (Equated Monthly Installment) – Axis Bank provides an opportunity to its esteemed customers to convert the high purchase transactions to EMI. Any purchase of Rs 2500 or above it can be converted into EMI.

The tenure for EMI can be chosen between 6-24 months. The EMIs will be charged to the credit card account, to make repayment convenient for the cardholder. A one-time processing fee of 1.5% or Rs 150 whichever is higher will be charged to the credit card account on the date of conversion.

You can convert the purchase into EMI within a period of 60 days of making the purchase by
- Sending SMS ‘EMI’ to 5676782
- Calling Axis Bank at 1860-500-5555 and 1860-419-5555 or submit an EMI
- Conversion instantly through Axis Bank Mobile application or submit an EMI
- Conversion instantly through Axis Bank Internet Banking.

Instant Loan Facility – Axis Bank provides Instant Loan, a quick and easy loan against the credit card. The loan will be transferred immediately to the savings account after getting approval. The loan can be repaid on multiple tenor basis tailored to suit customers budget. No documentation is required to secure the loan.

A one-time processing fee of Rs 500 or 1.5% whichever is higher will be charged. In case of foreclosure, a foreclosure fee of 3% of the principal amount outstanding at the time of foreclosure or Rs 300 whichever is higher will be levied on the customer along with the service tax.

Benefits of Axis Credit Card

The following are the benefits of using Axis Credit Card.

Go Cashless – Axis Credit card provides the cardholder with an option to go for cashless transactions with ease. A customer need not have to carry cash all the time, instead, a credit card will come in handy. Cards can be used to pay the money instead of cash and the chances of mishandling of cash can be minimized.

citibank credit card bill desk• Add-On Cards – Axis Bank provides a maximum of four add-on cards for the existing credit cardholders. The add-on card can be for spouse, parents, siblings or children who are above 18 years.

It provides a shared credit limit with the primary card. The add-on card comes with zero cost and zero annual fees. Minimum documentation requirements are required to secure the add-on card.

Auto Debit Facility – Axis credit card provides an auto-debit facility for cardholders. If you are an existing account holder, then you will have added convenience of paying off monthly credit card bills directly through a bank account.

On the basis on the option preferred you will have the flexibility of choosing between the following options of paying the debit total amount due or debit minimum amount due (which constitutes 5% of the outstanding amount) while making payment through Auto Debit facility.

Cash Advance Facility – Axis Signature credit cards can be used to withdraw cash up to 30% of your credit limit from over 1 million Visa ATMs across the globe. In India, one can access cash around the clock for 365 days in a year from any of the ATMs that displays Visa sign.

AXIS Bank Credit Card Apply

  • The fastest way to apply for securing an AXIS Credit Card is to apply through the bank's web portal at www.axisbank.com 

                                                     Or

  • One can also submit the required details in Axis Click to Connect to the bank’s web portal for an instant call back from the banks representative to secure a credit card.

                                                      Or

  • Visit the nearest Axis Bank’s Branch and apply for Axis Credit Card.

How to apply for Axis Credit Card via Online?

Prospective applicants can visit the official website of Axis Bank and click on the ‘Apply Now’ option which is present on the right-hand side corner of the web page which will show the various bank’s products. Now click on the ‘Credit Cards’ option, which will further take us to a new web page which asks the applicant to full up the details including

• First Name
• Last Name
• State
• City
• Mobile Number
• Enter captcha code and click on the Call Me option
• An OTP (One Time Password) will be sent to your mobile number
• Enter the OTP and select Submit option

You will receive a call from the representative of Axis Bank who will further guide you to secure a credit card of the bank which suits the needs and requirements of the customer.

After submitting all the details and documents as specified by the bank, it will check whether the prospective customer is eligible to secure the credit card or not. Based on the eligibility of the customer, the bank may accept or reject the application of the prospective customer. It will be at the discretion of the Axis Bank to decide if a prospective customer has to be given a credit card of the bank or not.

As per the Axis Bank’s disclaimer, the decision on the credit card will be communicated within 21 working days to the prospective customer.

How to apply for AXIS Credit Card via Offline?

Applicants can directly walk into the nearest branch of the Axis Bank and express the desire to obtain a credit card from the bank.

The bank executive will explain to you about the features of all the credit cards after understanding the annual income, needs, and requirements of the prospective customer.

Once the applicant zeroes in the card as per the requirement, he/she will be asked to fill in the application form and enclose the required documents which include PAN card, identity proof, address proof, income proof and so on.

The bank representative will thoroughly go through the application form along with the other submitted documents provided by the applicant and will take a final call whether the applicant meets the eligibility criteria for the credit card for which they have applied for. Once the check is done the applicant will be provided with the desired credit card.

It will be at the discretion of the Axis Bank to decide if a customer has to be given Credit Card or not.

Eligibility Criteria to apply for Axis Credit Card

To apply for an Axis Credit Card, one has to fulfil the following criteria

  • For salaried employees, the minimum income of the applicant should be Rs 15,000/-
  • In case of self-employed/businessman, it is based on the IT return statement.
  • If the customer is an existing credit cardholder from any other banks than axis bank will not check the income proof.
  • Axis bank prefers 700 CIBIL scores to sanction a credit card.
  • If you are already a credit cardholder than axis bank requires transaction proof to check your repayment history and other details.
  • Axis bank provides credit cards to customers within an age limit of Min 18 years to Max 70 years.
  • Should be Resident of India or Non-Resident Indian
  • The primary cardholders should be aged between 18 and 70 years
  • Add-on cardholders should be over 15 years

Documents Required for Axis Credit Card

The following mentioned documents are required

• PAN Card Photocopy
• Form 60
• Recent passport size colour photograph

Proof of Income

• Latest Payslip
• Form 16
• Income Tax Return copy

Residential Address Proof

• Passport
• Ration Card
• Electricity Bill
• Landline telephone bill

Identity Proof (Any one of the following)

• Passport
• Election Voters ID Card
• Driving License
• PAN Card
• Aadhaar Card

Why should one choose Axis Credit Card?

Axis Bank has created its credit card to serve target customers. It caters to every lifestyle requirements of today’s era. An Axis Bank’s credit card is the perfect companion for every occasion ranging from dining, travel, fuel or buying movie tickets and so on. The customers can choose the credit card that suits their prerequisites and enjoy the benefits and rewards on every credit purchase.

How to block your Axis Credit Card?

The cardholder can block the credit card by sending as SMS to 5676782 from the registered mobile number.

  • Enter BLOCK XXXX (last 4 digits of the credit card number) through your registered mobile number.

                                                 Or

  • One can also block the credit card through Internet Banking or Axis Mobile.
  • Log into the Axis Mobile app > Go to banking > Services > Credit Card > Block and Replace Card

                                                Or

  • Log into the Internet Banking > My Cards > More Services.
    Call Axis Bank at 1860-419-5555 and 1860-500-5555 for further assistance.

How To Close Axis Credit Card?

The Credit Cardholder can close the card account by writing to the Axis Bank’s Branch Manager or by calling the Axis Bank credit card customer care executive at 1800-233-5777 or 1800-209-5577.

The cardholder can also send an email to premium.cards@axisbank.com or creditcards@axisbank.com – the Axis Bank’s executives mail id for credit cards and mention the intention to close the credit card.

After informing the executive your intention to close the credit card, the cardholder is required to cut the credit card diagonally.

The closure of the credit card will be effective only after payment of all the dues are made by the cardholder.

Loan on Axis Credit Card

The credit cardholders of Axis Bank are eligible to secure an instant loan on the card. The cardholder can request for the amount up to the eligible limit which will be decided by the Axis Bank at its sole discretion. Post-approval, the amount will be disbursed in the form of transfer to the respective AXIS bank’s savings account or via NEFT in case of non – AXIS Bank savings account through Bank’s 24 hour customer care or any other mode as may be communicated by the bank at the time of disbursement, subject to successful processing at the beneficiary bank’s end. The final approval of loan amount will be granted and is subject to the card member’s performance on the card and based on the available credit limit at the time when Axis bank receives the card holder’s request for the loan facility. Any kind of request made by the cardholder for change in the billing cycle during the loan period will not be entertained.

The cardholder has to repay the loan amount along with the interest amount in EMIs as decided by the bank. The interest rates will be at such rate which will be indicated to the cardholder at the time of making the offer for the credit card and it will also be communicated to the card member via the application form and welcome kit. The interest on the loan amount will be calculated from the time the amount is disbursed.

Axis Bank Credit Card Statement 

There are several easy ways to get the Axis Credit Card Statement. One has to follow the below-mentioned steps to view or download your statement:

Axis Credit Card Statement using Axis Support

Visit the official web portal of Axis Bank >> Choose the Credit Cards Section followed by Statements section >> In this page click on the ‘Download Using Registered Mobile Number’ >> Now enter your registered mobile number, an OTP will be sent to your registered mobile number >> Enter the OTP and now select your credit card number

Your latest Axis credit card statement will get downloaded on your device. 

Axis Credit Card Statement using Mobile Banking

Visit the Axis Mobile Home Page and select the Credit Cards section >> Now Select your card and click on the Last Bill Amount >> This will show you the Past Statement >> Now select month >> Now click on ‘View Transactions’ which will show you the Axis Credit Card Statement for a particular month. 

Axis Credit Card Statement using Internet Banking

Visit the official web portal of Axis Bank >> Click on ‘Personal’ option in the main page >> Select ‘Credit Card’ option >> View Current Statement >> Download Axis Credit Card Statement in PDF, CSV or XLS format. 

Axis Bank Credit Card Payment

Now, the users of Axis Credit Card can pay their bills easily as the bank is providing various solutions both online and offline. One can choose the mode of payment as per your convenience and make payments accordingly before the due date.

Axis Credit Card Bill payment for Account Holders via Online

  • First, login to your Axis Bank’s internet banking account
  • Go to the ‘Payments Pay Bills’
  • If in case, the card is not yet added, then click on Add ‘New Biller’
  • Proceed further and select ‘Credit Card Biller’ and click on ‘Pay Bill’
  • Enter all the details followed by payment amount and click on ‘Proceed’ option
  • Now confirm the payment by entering the OTP.

Axis Credit Card Bill Payment via Mobile Banking

To make payments for Axis Credit Card through mobile banking, first login to the mobile banking account and select the credit card number under the accounts section:

  • First, login to the Axis OK app using the MPIN and go to the ‘Pay Bills’
  • If in case, the card account is not already added, then click on the ‘Add New Biller’
  • Proceeding further, select Axis Bank Credit Card and click on ‘Pay Bill’
  • Now enter all the relevant details including the amount to be paid and click on ‘Pay Now’ or ‘Pay Later’ as per the preference.
  • Confirm the payment by entering the MPIN again.

Through NEFT

To make payment through NEFT, Log In to your Axis NetBanking Account and click on NEFT Payment

Now on the next page enter the details on their required place:

  • Beneficiary Name- Name appears on the credit card
  • Beneficiary Bank Name- Axis Bank
  • Beneficiary Branch Name- Mumbai
  • Beneficiary Account Number- Enter your 16-digit Credit Card Number
  • IFSC Code- UTIB0000400

Through Paytm

  • Log in to your Paytm account
  • Go to the credit card bill payment section
  • Now enter your 16-digit credit card number and click on proceed.
  • On the next page enter the details and amount to pay
  • Select payment method BHIM UPI, NetBanking or Paytm Wallet and click on Pay Now.
  • A successful message will be displayed on the screen, once the payment is done.

Axis Bank Credit Card Bill Payment through offline

Apart from online method Axis Bank provides offline method to make payment. Below are the types of offline method and its procedures.
Pay your credit card bill through Cheque or Draft

  • Get a check or draft in favour of 'Axis Bank Credit Card number'
  • The check must be dropped 5 days before the due date in your nearest Axis Bank branch.
  • It will take 1 day to clear your Axis Bank cheque.

Pay your credit card bill through Cash.

  • You can complete your credit card bill payment at nearest Axis Bank branches.
  • Rs 100 will be charged as a service fee in order to make payment in cash.

Axis Bank Credit Card Bill Desk

One can now make Credit Card payments online from any other bank account, if the person does not have an account with Axis Bank, then he/she can make payment at Bill Desk.

Benefits of Axis Bank Credit Card Bill Desk

  • Bill desk service is available 24x7, with bill desk service you can pay your Axis Bank Credit Card bill with any device.
  • With Bill Desk service you can track the status of all your current bills and payments of your Axis Bank Credit Card
  • Your Axis Bank Credit Card recurring bills and expenses will be paid automatically with Click Pay and Auto Pay feature
  • Get alerts for your every transaction, no matter where you are
  • Track spending history of your Axis Bank Credit Card with Expense Analysis feature
  • Get connected with Customer Service 24x7
  • Manage your Axis Bank Credit Card bill and expense records in a convenient method. 

Who can pay through Axis Bank Credit Card Bill Desk?

  • Sole Proprietors
  • Trusts
  • All non-individual customers
  • Small business enterprises
  • Corporates
  • Non Agency Banks
  • Government and Private Institutions
  • Public Firms and Private Companies
  • Public Sector Undertakings

Axis Bank Credit Card Bill Payment through Bill Desk

  • Visit the site https://pgi.billdesk.com/pgidsk/pgmerc/axiscard/axis_card.jsp
  • Enter your credit card number and retype the same on the required box
  • Enter your valid email id and mobile number
  • Enter the payment amount and select your bank account from the drop-down menu
  • Click on Pay Now for the further process
  • Enter your Net Banking Id and Password
  • Confirm your payment amount and your account will be debited instantly
  • Now you will receive an online transaction confirmation and a Transaction Reference Number.

Axis Bank Credit Card Interest-Free Period

The interest-free period is also referred to as ‘Grace Period’ and it is the time duration within which the credit card provider will not charge any interest on the purchases made on the credit card. In the case of Axis Bank, the interest-free period ranges between 20 – 50 days and it depends on the date of the transaction. This particular feature is applicable only if the cardholders previous month’s balance is fully repaid.

If the cardholder will repay the total outstanding balance within the interest-free period, then he/she will not be charged anything besides, which means that the cardholder has enjoyed the credit facility at zero per cent rate. 

Axis Credit Card Neo

The Axis Bank’s Neo credit card is one of the best credit cards offered by the bank which includes gift vouchers from Amazon, Myntra, Jabong, BookMyShow and so on. The card users can also avail a 15% discount at the partner restaurants spread across India. The card is built on a state – of – the – art – technology and its customer friendly services has ensured protection against fraudulent activities.

The users of this card can get a welcome gift voucher from BookMyShow which can be used while booking for movie tickets of their choice. Get a minimum of 15% off at any of the partnered restaurants in India. One can also use the card and get a gift voucher and redeem the same while shopping with Myntra. Get 10% cashback on mobile recharges which are done through the Freecharge mobile app and get monthly benefits of up to Rs 30.

Axis Bank Credit Card Status

Applicants of Axis Credit Card can check the status using any of the two methods. One is using the Application Reference Number (App ID) and the other one is through PAN card number and mobile number.

Checking Axis Credit Card Status using the Application ID

The Application ID is a unique 9 digit number or a 20 digit number generated by the bank when you are applying for a credit card. The bank will share the number by sending an SMS or e-mail to the applicant’s registered contact details. After receiving the number, follow the below-mentioned steps to track the application status.

  • Visit Axis Bank’s official web portal
  • Select the Axis Bank Credit Card Track your application page
  • Now click on the ‘App ID’ option
  • Enter your ‘Application Reference Number’ in the respective field
  • Proceed further and click on ‘Submit’
  • Your Axis Bank credit card application status will get displayed on the screen.

Checking Axis Credit Card Status using Mobile Number and PAN

If the applicants who have applied for an Axis Bank’s credit card have not received the application number or if in case, if you have accidentally deleted the SMS which contains the number, you can still find your application status by following the below-mentioned method

  • Visit the official web portal of Axis Bank
  • Go to the Axis Bank’s Credit Card – Track your application page
  • Now click on the ‘PAN Number or Mobile Number’ option
  • Enter your PAN card number and mobile number in the space provided
  • Proceed further and click on the ‘Submit’ button.

The page will reload with your credit card application status within a few seconds if the information entered is correct or accurate and it matches the records. If in case, you have wrongly entered the details then, the screen will display ‘no records found’. In that case, re-enter all the details and recheck. If you see the same status again, then you may have to wait for the bank to update your details.

Note: The other status results also include approved, on-hold, in progress, rejected or dispatched.

Checking Axis Credit Card Application Status Offline

Individuals who have applied for the credit card can also call up the credit card department of the Axis Bank to track their credit card application status. 

Dial the Axis Credit Card Toll-Free Number at 1860-500-5555 or 1860-419-5555.

You can even opt to visit the nearest branch of an Axis Bank to get the status of the credit card application. Make sure to keep the application ID handy as it will make the work easier.

How to Redeem Axis Credit Card Points?

Individuals who hold Axis credit card can redeem their accumulated points using any of the following modes:

Axis Bank Mobile App

First, download the Axis Bank mobile app and click on the ‘Rewards’ tab from the menu option to view your available points balance. Now go to the ‘Redeem Now’ section and click on the ‘Rewards Store’. Choose the rewards of your choice from the different categories to proceed further and add to the basket and confirm the redemption.

Axis Credit Card Toll – Free Number

Individuals can even opt to redeem their accumulated points for products displayed at the ‘Reward Store’ by dialling up the Axis Credit Card Toll – Free Number.
Note: All the services offered on the ‘Recharges & Bookings’ store cannot be redeemed through the contact centre.

Axis Bank Internet Banking

First, log in to internet banking with your customer ID and password. Now click on Axis eDGE rewards on the account summary page. Proceed further and accept the Terms & Conditions and then click on the ‘Redeem Now’ option to view the Rewards Store. Now Choose the reward of your choice from various categories as per your preference, add to your basket and confirm the redemption. After accepting the Terms and Conditions for the first time on the internet banking, you can easily redeem your points the next time whenever you log in to the Axis eDGE Rewards via web portal using the feature.

Axis eDGE Rewards Website

Individuals can redeem their accumulated reward points using the Axis eDGE Rewards web portal. All you have to do is to sign up for the program by visiting the registration page and depending on the credit card you hold you will have to choose the appropriate product from the drop-down menu and then fill in all the relevant details to register yourself. Post successful registration you will be receiving an e-mail which will confirm your user ID and password. Now you can visit the ‘Redeem Now’ section after logging in using your credentials (User ID & Password). Choose the reward of your choice from several categories to add to the basket and confirm the redemption.

Customers who are holding some of the premium or selected cards will be auto-registered to this programme. All those customers will be getting an email which will confirm their login credentials which they can use to access the loyalty account on the web portal or to redeem their points accordingly.

Check Axis Bank Credit Card Application Status via e-mail

Individuals who have applied for a credit card with the Axis bank can write an e-mail to the bank or one can even opt to fill in the online e-mail form which is available at the bank’s web portal.

  • Visit the web portal of Axis Bank
  • Check for the online e-mail application form at: https://application.axisbank.co.in/webforms/axis-support/unregistered-email.aspx
  • Duly fill in all the information including your registered email id, mobile number, card or account number, name of the respective account or card followed by your message.
  • Do mention your application reference number, PAN Number in the message.
  • Make sure that the message in the box should not exceed the set limit of 1000 words.
  • After entering the message, type the text in the box and click on ‘Submit’ button.
  • Your request on Axis Bank Credit Card Application Status will be automatically submitted to the bank. You will receive a reply from the bank within a few days.

Axis Bank Credit Card Login

Through Axis Bank Net Banking services, Login with your Net Banking Id, Password and explore a world of convenience just with a few taps. Applicants can use unique benefits like high security for safe online banking, view the details for all your accounts, online password regeneration & unlock user-id instantly. Get all updates and offers on your credit card which is specially designed for you. Access all the features and get minimum interest rates on your credit card with flexible repayment option. No matter where you are just with your Axis NetBanking Id and Password you can explore the world of benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Axis Credit Card Login and how to use it.

Features

  • Recharge for your mobile and DTH
  • Pay your Credit Card bills, Utility Bills by Axis Billdesk facility.
  • Transfer funds online between your third party accounts with Axis Bank, or any other bank account via NEFT, RTGS or IMPS
  • Make RD or FD and get premature withdrawal online.
  • View your account activity, available balance and transaction details
  • Check the status of your check.
  • View and update your profile details like mobile number, email id, Aadhar Card number and more
  • Now make your travel more friendly and book your flight, bus and hotels through online service. 
  • Get unique transaction services like Request for a check book, Payment gateway registration, Re-generate debit card PIN, Activate/Deactivate Debit Card, Activate/Deactivate Debit Card for International Usage, Link Accounts
  • Apply online for Axis Bank Insurance Policy
  • View your Axis Life insurance policy, switch funds, pay premium online
  • Apply for New Debit Card, Upgrade your existing Debit Card, Apply for Image Debit Card, Apply For Priority Pass, Apply for Card Protection Plan
  • Apply for IPO/FPO/Rights Issue without any paperwork from the convenience of your home/office using ASBA facility
  • View securities available for Demat Accounts
  • Invest/Redeem in Mutual Funds online and view current Mutual Fund portfolio
  • Download digitally signed statements for all your transactions through Statement tab

Benefits

  • Get access to Digilocker for online storage of documents.
  • Shop online and pay using Axis Bank Internet Banking
  • Get demand draft facility upon request.
  • Reload your Forex Card.
  • Transfer funds abroad through outward remittance
  • Transfer Fund to Visa Credit Card
  • Update your nominee in accounts and FD/RD
  • Check your credit card score
  • Get 24x7 customer service
  • Get access to track your lost or stolen credit card
  • You can check your bill payment history.
  • You can add new billers according to their location
  • Make enquiry of your transaction status
  • Get access to see your transaction limits and charges
  • Get notification about your next credit card payment date.
  • Applicants can make a secure login with face and touch id through Axis Mobile App.
  • View and manage your reward points
  • Get all personalized alerts and reminders for purchases, weekly balance, credit limit and more
  • Get to know about your nearest Airport Lounge instantly
  • Easily change your ATM PIN
  • Get access to special services like Cash on call, Dial on EMI
  • Get 100% online security on your card
  • Get access to credit card hotlisting
  • Withdraw your card sub-limit
  • Set your sub-limits
  • Set your net limits
  • Manage your international travel details
  • Add or manage beneficiary as per you want.
  • Increase your credit limit and also upgrade your credit card.

Axis Bank Credit Card Login Registration 

In a few easy steps, Axis Bank ensures free Internet banking registration. Axis Net Banking is secured with Netsecure's additional two-step authentication system. Below are the steps given to register Internet Banking

For Retail / Agri-Rural customers

  • Go to the official site of Axis Bank
  • Now under the drop-down box of Bank Smart, click on Internet Banking
  • To login to internet banking, you need the login id which is the same as your 9-digit Customer ID along with your login password.
  • You can also obtain your Customer ID by sending an SMS CUSTID to 5676782.
  • New users can generate a password online by using the ‘First-time user option’. You can generate the login password using your debit card 4-digit ATM Pin and your registered mobile number.

For NRI Applicants

  • Go to the official site of Axis Bank
  • Now under the drop-down box of Bank Smart, click on Internet Banking
  • To login to internet banking, you need the login id which is the same as your 9-digit Customer ID along with your login password.
  • You can also obtain your Customer ID by sending an SMS CUSTID to +919717000002
  • New NRI users can generate a password online by using the ‘First-time user option’. You can generate the login password using your debit card 4-digit ATM Pin and your registered mobile number.

Axis Credit Card Interest Rate

Usually, all the providers of credit card charge a fee on the amount which you borrow using the card and it is referred to as interest charges or finance charges. The interest rate will be charged only if you have not paid the total outstanding bill amount within the set due date or within the stipulated interest-free period (whichever is applicable).

For example: If an individual’s credit card balance is Rs 20,000 and he/she makes a partial payment of Rs 15,000 or the minimum due amount, the remaining balance amount of Rs 5,000 will be carried forward to the next billing cycle and interest on the remaining balance amount will be levied accordingly.

If in case, if you opt to clear the total outstanding amount within the said due date, then you will not be required to pay any additional fees. If you are an individual who prefers to pay the credit card amount bill within the due date then it is a better thing, if in case, you cannot then it is important to know the interest rates on credit cards and how it is calculated.

Axis Bank Credit Card IFSC Code

Axis Credit Card IFSC Code is an alphanumeric 11-digit key used by NEFT to pay the pending credit card bills via online banking. An applicant can do this by adding the credit card as a beneficiary.

Axis Credit Card IFSC Code is UTIB0000400

The first four characters UTIB reflects the bank's name and the fifth character zero is kept aside for potential use.

The last 6-digits usually signifies the division of the bank that supports the payment of credit card bills

Ideally, this code is same for all credit cardholders.

Benefits of Axis Credit Card IFSC Code

  • This code is the primary source to pay an outstanding credit card bill
  • This cold is useful for the applicants to pay bills in convenient manner from anywhere in the world
  • This code is useful to make secure payments without any risk
  • This code is useful for those who don't have savings account with the credit card holding bank.

How to know Axis Credit Card IFSC Code?

  • To know about Axis Credit Card IFSC Code, an applicant have to go through easy and simple process. This code can be found online on various websites.
  • Applicant can also directly contact the bank for the same.
  • Using correct IFSC Code is very essential in order to avoid any kind of troubles.
  • The card will first have to be enrolled as a beneficiary to receive payment from any bank account, in order to allow Axis Credit Card bill payment via NEFT.
  • In spite of the account number, the 16-digit card number is used and the name as on the card is used as the name of the account holder.

Process to pay credit card bill using IFSC Code

Credit cardholders who do not have Axis Bank saving account can pay their credit card bills through NEFT using IFSC Code. Go through the below process to make the payment complete

  • Log in to the Axis Bank Netbanking with your Username and Password
  • Register your credit card as a beneficiary
  • Make the payment using NEFT to the credit card

Axis Bank Credit Card App

Axis Mobile- Fund Transfer, UPI, Recharge & Payment app is a self-service mobile app for all the Indians which allows you to take complete access to all your credit card information. Log in with your Net Banking Id, Password and explore a world of convenience just with a few taps. No matter where you are just with your Axis NetBanking Id and Password you can enjoy the benefits and offers anytime anywhere. Scroll down and get to know the features and benefits of Axis Mobile- Fund Transfer, UPI, Recharge & Payment app and how to use it.

Benefits of Axis Mobile- Fund Transfer, UPI, Recharge & Payment App

  • View all your credit card transactions
  • Get e-statement for all your credit card transaction
  • Get access to upgrade your credit card limit
  • Get access to report your lost credit card
  • Get an option to block your card in case of any fraudulent activity
  • Get access for card replacement request
  • Change your credit card pin, anytime anywhere
  • Get all Axis Credit Card offers in the app
  • Manage your all accounts at one place
  • One app for retail and business loan
  • With the app, open online savings account in just 3 simple steps
  • Get access to check your passbook
  • Transfer your fund from one bank to another more conveniently
  • Get notified for your credit card dues
  • Get notified for all your transactions
  • Get access to pay all your bills
  • Get 24x7 customer support
  • Check your credit card status
  • Get all personalized alerts and reminders
  • Stay updated with your reward points balance
  • Personalize notifications for purchases, weekly balance, credit limit and more
  • Pay your Insurance, DTH Bills, Mobile Bills and Utility Bills
  • Check the status of your applied check.
  • Get 100% online security on your card
  • Add or manage beneficiary as per you want.
  • With enhanced security of Fingerprint Id make your transaction more convenient and hassle-free
  • Scan to Pay – Make payments at Bharat QR enabled merchants
  • View latest, unbilled and past statements of your credit cards.
  • Get access to open FD or RD instantly with just a click
  • Manage and access your Deposit, Loan, Forex, Demat and Mutual Fund details easily.
  • Convert Credit Card Transactions into EMI
  • Analyze your credit card spends using the spend analyzer feature
  • Save up to 10 frequent transactions as Favorites and repeat them in just a click in future
  • Request for statement of your account, new cheque book, issued cheque status and stop cheque payment.
  • Easily locate Axis Bank Branches, ATMs and Dining Delights near you.

Register and Download Axis Bank Credit Card App

Below are the steps to download and register yourself in Axis Bank Credit Card App

  • Go to Playstore or Appstore and search for Axis Mobile- Fund Transfer, UPI, Recharge & Payment
  • Tap on the install icon and download the app
  • Open the app and click on Login
  • Choose the sim which has registered with your bank account and tap on Continue
  • Enter your name and agree with the terms and conditions
  • Create your new 6-digit m-PIN number
  • Add your bank account details
  • Enter your Internet Banking Id and Password
  • Enter your card details and click on Continue
  • Now enter your created m-PIN
  • Now tap on Link to link your Bank account with your UPI ID
  • On the next page, you can see the successful message on the screen

Best Credit Card from Axis Bank

In partnership with Vistara, the axis bank has introduced credit cards that are best-suited to travel. Axis Bank Credit Card guarantees great rewards as well as nice offers over shopping, movies and travel. Additionally, it provides the facility to turn your massive shopping into easy EMIs. Below given are the best credit cards with its charges. Pick up the one which fit your eligibility.

Axis Bank Credit Card Pin Generation

To avail the unique benefits of ATM transaction like withdrawing cash, view the details for all your accounts, transfer money, change mobile number and much more, applicants are required to generate PIN for the ATM facility provided Axis Bank. Applicants can generate their credit card Pin through ATM, Net Banking, Axis Mobile App, calling tollFree number. Below given steps are for online PIN Generation. Go through all the steps to make your process complete

Axis Bank Credit Card Pin Generation through ATM

  • Visit the nearest Axis ATM and insert your credit card in the ATM machine
  • Select your preferred language to begin the process
  • Tap on Set Pin or Generate OTP option
  • Enter your Date of Birth, Expiry date of your credit card and your mobile number registered with the bank
  • After the validation process is over, you will receive an OTP on your registered mobile number
  • Enter the OTP on the required section
  • Now you can enter the 4-digit PIN of your choice
  • Retype the Pin on the required section and confirm
  • Now you will get a successful message on your registered mobile number

Axis Bank Credit Card PIN Generation through Net Banking

  • Visit the site https://www.axisbank.com/retail/cards/credit-card
  • Click on Login, which is located on the right side of the page
  • Log in to your account with your Net Banking Id and Password
  • From the menu of Accounts, click on My Credit Cards
  • From the More Services section, click on Credit Card Pin Change
  • Click on Go, and you will be redirected to the new page
  • Enter the 4-digit PIN of your choice on the required section
  • Retype the Pin and click on Next
  • Now you will receive a Net Secure Code on your registered mobile number
  • Enter the same and click on Confirm

Axis Bank Credit Card PIN Generation through Toll-free Number

  • Call the tollfree number 1860 419 5555 or 1860 500 5555
  • Select your preferred language to begin the process
  • For Axis Credit Card Pin Generation, choose option 1
  • Provide your Axis Credit Card Details, Date of Birth and mobile number registered with the bank
  • Once the validation process is over, you will receive an OTP on your registered mobile number and email id
  • Once the details are verified, you will receive a one-time activation passcode on your registered mobile number
  • Once the code is verified, enter the 4-digit PIN of your choice at the required section
  • Now you will get a successful message on your registered mobile number, once the Pin is accepted

Axis Bank Credit Card PIN Generation through Axis Credit Card App

  • Open Axis Mobile- Fund Transfer, UPI, Recharge & Payment app
  • Log in with your Net Banking Id and Password
  • From the menu of Banking, tap on Services
  • From the menu of Credit Card, tap on Set/Reset PIN
  • You will receive an OTP on your registered mobile number
  • Enter the OTP on the required section and tap on Continue
  • Enter the 4-digit PIN of your choice on the required section
  • Retype the Pin and tap on Continue

Note

To generate your Axis Credit Card PIN, your mobile number must be registered with the bank. Please contact your Axis branch for registering mobile number if not registered already.

In case, you are not able to generate Credit Card PIN, please contact the branch or call contact Center helpline 1860 419 5555 or 1860 500 5555 for requesting physical PIN mailer.

Axis Bank Credit Card EMI Calculator

The Axis Bank’s Credit Card EMI Calculator helps the cardholders to plan the instalments repayable at the time of purchase as it shows the clear demarcations on the break up of funds paid towards the principal amount, interest rate, tax and so on. These calculators can be used for an amount ranging between Rs 5,000 – Rs 5,00,000. It is very easy to use the Axis Credit Card EMI Calculator as one has to enter the transaction amount and the tenure sought for repayment and click on ‘Calculate’ option. The Credit Card EMI Calculator will immediately display the breakup and repayable amount towards the transaction amount. One can easily refer to the breakup of the payable EMI amount towards the principal, processing fee and interest and can scan through the entire plan of instalments in the amortization table.

How to calculate Axis Bank Credit Card EMI?

  • Visit the site of Axis Bank Credit Card.
  • Click on Credit Card EMI Calculator, which is located on the bottom of the page.
  • Now add the amount of transaction and the tenure as per your choice.
  • Click on Calculate and the Credit Card EMI Calculator will automatically show the breakdown and repayable balance of the transaction.

Axis Bank Credit Card Offers

Shop with your Axis Bank Credit Card and get amazing deals and exclusive offers. If you are an Internet Banking or Mobile Banking user you can get offers from numerous brands and also you will get advantage on the deals and online offers. Save throughout the year with special offers like End of Season Sale & Dining Delights. Scroll down and get in touch with all the offers.

  • Get 70% off on Pro Series Earphones from Crossloop. (Offer valid till 24th November 2020)
  • Get Rs 500 off on Cub McPaws Kids Apparel. (Offer valid till 31 March 2020)
  • Get Flat 30% off across 600+ FabHotels in 60+ cities all over India. (Offer valid till 31 March 2020)
  • With ZoomCar visa offer get 20% off on your car bookings up to Rs 1500. (Offer valid till 31st March 2020)
  • With TravelYaari visa offer get Rs 50 off on a minimum transaction of Rs 500 and Rs 100 off on a minimum transaction of Rs 1000. Offer is valid across all the Hotels in India without any blackout days

Oyo Visa Offer

  • Offer will be valid across all hotels without any blackout days
  • 20% discount on International hotels on minimum transaction of Rs 7500. The maximum discount per transaction is Rs 5000
  • Offer is valid on prepaid bookings made on OYO website & App
  • Applicable on a minimum booking amount of Rs 699
  • Maximum discount per transaction - Rs 3000
  • Offer valid for bookings made till 31st March 2020 for check-ins till 31st March 2020

Whitehat Jr Offer

  • Spend a minimum of Rs 5999 and get Rs 600 off (Promo Code- WHJAXSBK6H)
  • Spend a minimum of Rs 29,999 and get Rs 5000 off (Promo Code- WHJAXSBK5)
  • Spend a minimum of Rs 89,999 and get Rs 10000 off (Promo Code- WHJAXSBK10K)
  • Offer is valid till- 4th February 2020

GoIbibo Visa Offer

  • Book your flights on Goibibo and get 5% off and a complimentary breakfast.
  • Spend a minimum of Rs 3000 for your stay at Domestic Hotels on Goibibo and get 25% off up to Rs 5000
  • Spend a minimum of Rs 7500 for your stay at International Hotels on Goibibo and get 20% off up to Rs 5000
  • The offer is valid till- 31st March 2020

Ginger Hotels Visa Offer

  • Book your stay at Ginger Hotels website and get 25% off and a complimentary breakfast.
  • Offer is valid till- 31st March 2020

Ease My Trip Visa Offer

  • Book International Flight on Ease My Trip and get Rs 1000 off on one way and Rs 2000 off on round trip.
  • Offer is applicable on a minimum transaction of Rs 20000 on one way and Rs 40000 on round way
  • Book Domestic Flight on Ease My with a minimum transaction of Rs 3000 on one way and Rs 5000 on round way Trip and get up to Rs 700 off
  • Offer is valid up to 31st March 2020

Uber Offer

  • Get 25% off on 5 Uber Rides
  • Get a maximum discount of Rs 100
  • Offer is valid till- 19th January 2020
  • Promo Code- UBAXIS3

Booking.com Visa Offer

  • Book your travel at Booking.com and get 10% cashback
  • Offer is valid till- 30 March 2020

Agoda Visa Offer

  • Book your stay at Agoda.com and get 10% off
  • Offer is valid till- 30 March 2020

Joyalukkas Offer

  • Shop at any exclusive Joyalukkas store across India and get 20% discount on the making charges of your Gold Jewellery and Rs.3,000 off on the purchase of Diamond Jewellery worth Rs.50,000 and above.
  • Offer is valid till- 30 September 2020

VLCC Visa Offer

  • Spend a minimum of Rs 500 on VLCC products and get 20% only on VLCC outlets
  • Coupon Code- VLCCVISA20
  • Offer is valid till- March 31, 2020

W For Women Visa Offer

  • Spend a minimum of Rs 2000 and get 50% off and 10% additional off at W For Women merchant online store
  • Offer is valid till- March 31, 2020
  • Coupon Code- WVISA10

Tanishq Visa Offer

  • Spend a minimum of Rs 2000 and get up to 20% off to a maximum of Rs 1000
  • Offer is valid in Tanishq Online Store
  • Offer is valid till- March 31, 2020
  • Coupon Code- TANISHQVISA
  • Offer is valid on all products except Plain Gold jewellery, Gold coins, Gift cards and Gift vouchers

Candere Visa Offer

  • Purchase diamond and gemstone jewellery at Candere and get 20% off on all
  • Offer is valid till- March 31, 2020
  • Coupon Code- CANVISA20
  • Offer is valid on all products except Plain Gold jewellery, Gold coins, Gold Bars

Ferns and Petals Visa Offer

  • Spend a minimum of Rs 999 at fnp.com and get 20% off
  • Offer is valid till- March 31, 2020
  • Coupon Code- FNPVISA20

Borosil Visa Offer

  • Glassware offer is applicable on minimum transaction of Rs 1000
  • Appliances offer is applicable on minimum transaction of Rs 1500
  • Offer is valid till- March 31, 2020
  • Coupon Code- BOROVISA15 for glassware and BOROVISA20 for the appliances

TITAN Visa Offer

  • Spend a minimum of Rs 1995 and get 15% off to a maximum discount of Rs 1000
  • Offer is valid on online transaction
  • Offer is valid till- March 31, 2020
  • Coupon Code- TITANVISA

PrimaEscapes

  • Get Rs 2,360 off on bookings made on PrimaEscapes website
  • Coupon Code- AXISPRIMA
  • Offer is valid till- 10th March 2020

Akbar Travels

  • Get up to 15% instant Discount on Europe Holiday Packages.
  • Get up to 10% Instant Discount on Domestic & International Holiday Packages (Except Europe)
  • Offer validity period- 31st Dec 2019 to 31st Mar 2020

Freecharge

  • Get up to 1% cashback on purchase of gift card from FreeCharge
  • Offer is valid on Freecharge mobile app
  • Offer validity period- 25th Sep 2019 to 31st Mar 2020

OYO Rooms

  • Spend a minimum of Rs 699 at OYO and get 30% Discount on Oyo Hotels & Homes upto Rs 3,000
  • Offer is valid till- 31st March 2020

My New Car

  • Get up to 20% discount or maximum Rs 2000 on online booking of new car through mynewcar website or App
  • Promo Code- AXISCAR20
  • Offer is valid till- 10th April 2020

Vistara Offer

  • Book your flight with vistara and get 2x cv points
  • Offer valid period- 16th December 2019 to 15th February 2020

Urban Drive

  • Book cars from Urban Drive and get up to 25% off (Promo Code- AXISCAR)
  • Book bikes from Urban Drive and get up to 20% off (Promo Code- AXISBIKE)
  • Offer is valid up to- March 31,2020

Talisman Jewelery

  • Shop at TALISMAN Pure Silver Jewelry and get 28% off on total cart value
  • Promo Code- AXIS28
  • Offer valid up to- March 31,2020

SRL Diagnostics

  • Get up to 20% off on Routine Pathology Test
  • Get up to 10% off on Routine Radiology Test
  • Offer is valid up to- January 15,2020

First Cry Offer

  • Shop at First Cry and get up to Rs 600 on your total cart value
  • Promo Code- AXFC600
  • Offer is valid up to- March 31,2020

Hotel Clarks Offer

  • Get a complimentary 3rd night on booking and staying for 2 consecutive nights at Clarks Amer, Clarks Khajuraho and Clarks Avadh
  • Promo Code- CLARKSAXIS
  • Offer is valid up to- May 14,2020

Snapdeal EMI

  • Get flexible EMI offer of 3,6,9,12,18 & 24 months on your Axis Bank Credit Card
  • EMIs will be calculated at an interest rate of 12% for 3 & 6 months tenure, 13% for 9 & 12 months tenure, 15% for 18 & 24 months tenure
  • No Processing Fee charged for EMI facility
  • Offer is valid up to- March 31,2020

Croma EMI

  • Get flexible EMI offer of 3,6,9,12,18 & 24 months on your Axis Bank Credit Card
  • EMIs will be calculated at an interest rate of 12% for 3 & 6 months tenure, 13% for 9 & 12 months tenure, 15% for 18 & 24 months tenure
  • No Processing Fee charged for EMI facility
  • Offer is valid up to- March 31,2020

Dineout Offer

  • Get 25% instant discount on Dineout's Gourmet Passport membership
  • Offer valid period- 1st January 2020 till 31 January 2020
  • Use Axis Bank Credit to pay for your Gourmet Passport membership

Reliance Digital Offer

  • Get flexible 3,6,9,12,18 & 24 months EMI offer only on your Axis Bank Credit Card
  • EMIs are calculated at an interest rate of 12% for 3 & 6 months tenure, 13% for 9 & 12 months tenure, 15% for 18 & 24 months tenure
  • No Processing Fee charged for EMI facility
  • Offer is valid till- March 31,2020

Sangeetha Mobiles

  • Get flexible 3,6,9,12,18 & 24 months EMI offer only on your Axis Bank Credit Card
  • EMIs are calculated at an interest rate of 12% for 3 & 6 months tenure, 13% for 9 & 12 months tenure, 15% for 18 & 24 months tenure
  • No Processing Fee charged for EMI facility
  • Offer is valid till- March 31,2020

Surat Diamond

  • Get flat discount of 22% (Promo Code- AXIS22)
  • Spend a minimum of Rs 1000 and get Rs 450 off (Promo Code- AXISBNK450)
  • Spend a minimum of Rs 2000 and get Rs 1050 off (Promo Code- AXISBNK1050)
  • Spend a minimum of Rs 30000 and get Rs 9900 off (Promo Code- AXISBNK9900)
  • Offer is valid till- 31st March 2020.

Vijay Sales

  • Get flexible 3,6,9,12,18 & 24 months EMI offer only on your Axis Bank Credit Card
  • EMIs are calculated at an interest rate of 12% for 3 & 6 months tenure, 13% for 9 & 12 months tenure, 15% for 18 & 24 months tenure
  • No Processing Fee charged for EMI facility
  • Offer is valid till- March 31,2020

Pharmeasy Offers

  • Get 25% off on all medicines on 1st order only 10000
  • Promo Code- AXIS25
  • Offer is valid till- 31st March 2020
  • No minimum purchase is required

My Taxi India Offer

  • Ge 5% off on One Way taxi bookings (Promo Code- MTIAXO5)
  • Get Rs 750/- off on Return taxi booking (Promo Code- MTIAXR750)
  • Offer is valid till- 31st March 2020

EMI Offer

  • Get extra Saving on EMI Transaction at Merchant store near you, with your Axis Bank Credit Card.
  • Make your purchases more convenient by availing EMI during transaction with Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • Offer is valid till- 31st March 2020

Goibibo Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Apollo Pharmacy Offer

  • Get 10% discount on Pharma
  • Get 16% discounts on Apollo private labelled products
  • Get 5% discounts on FMCG
  • Offer is valid till- 31st March 2020

MakeMyTrip Offer

  • Get flexible tenure of 3,6,9,12,18 & 24 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Amazon EMI Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Myntra EMI Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Poorvika Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Ezone Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Pepperfry Offer

  • Get flexible tenure of 3,6,9 & 12 months EMI offer only on your Axis Bank Credit Card
  • Get rate of interest for 3 and 6 months- 12%, 13% for 9 and 12 months and 15% for 18 and 24 months.
  • No Processing Fee is required for EMI facility
  • Offer is valid till- 31st March 2020

Health Assure Offer

  • Get 50% discount on Doctor Consultations at Apollo Clinics, SRL Diagnostics & many more
  • Get free Dental Consultation and up to 20% discount at Apollo White Dental and Clove Dental
  • Get up to 50% discount on Diagnostic tests & health check packages at Apollo Clinics, SRL Diagnostics, Healthspring & many more
  • Offer is valid till- May 14, 2020

Clarks Hotel Offer

  • Get EMI option for large weddings and conventions.
  • Get 15% discount on the BAR rates for all rooms booked during the event.
  • Offer is valid till- 1st January 2021

O2 Spa Salon Pvt Ltd

  • Spend a minimum of Rs 1500 and get 20% on the menu prices
  • Promo Code would be provided by O2 Spa at the time of booking
  • Offer is valid till- 31st December 2020

Vista Rooms

  • With Axis Bank Credit Card get 10% off on Vista Rooms
  • Promo Code- AXIS10
  • Offer is valid till- 31st December 2020

TataCLiQ Offer

  • Spend a minimum of Rs 5000 and get 10% discount
  • Get a maximum discount of Rs 1500 per card
  • Offer is valid till- 23rd January 2020

Swiggy Offer

  • Order your first food from Swiggy and get 50% discount
  • Offer Code- AXISNEW
  • Spend a minimum of Rs 99 to avail the offer
  • Get a maximum discount of Rs 100 on your order
  • Offer is valid till- 31st July 2020

Axis Bank Credit Card Customer Care

https://www.axisbank.com/contact-us 

FAQs:-

Q:Can I convert my purchases into EMI?

A: Yes, the purchases made from any credit card of axis bank can be converted into EMIs.

Q:How can I increase my credit limits?

A: You have to give a call on customer care number to increase your credit card limits.

Q:What do I do if my credit card is declined?

A: Sometimes the bank declines the transactions when it suspects illegal activity. You can give a call to customer care to resolve this.

Q:How is the interest charged on credit cards?

A: The customer has to pay the interest if he/she fails to pay the dues within the time. If an amount lies outstanding in your account than interest is charged on every transaction.

Q:What happens if I cross my credit limits?

A: If you make a transaction that exceeds the credit card limit on your card then it's all up to the bank whether to approve or reject the transaction. If it is approved an over-limit fee will be charged on the amount.

Q: What are the reward points and how I can use them?

A: While doing shopping or purchasing something by using your axis bank credit card, you can earn reward points. The reward points vary from one expense category to another. The accumulated reward points can be exchanged in place of a range of freebies and discount vouchers like cashback offers on food, travel, etc. You can use them for more discount.

Q: How can I pay my Axis bank credit card bill?

A: You can pay your credit card bill by using the Axis bank mobile app or Netbanking or Axis bank ATM. Also, you can pay the bill from your nearest Axis bank branches but the charges may be applicable for the cash payment service.

Q: Who can register for an Axis Bank credit card email statement?

A: The people who hold the current and savings bank accounts of Axis Bank can get registered for an Axis Bank credit card email statement.

Q: Does the Axis bank collect any charges to receive e-credit card statements?

A: No, Axis bank does not collect any charges for e-credit card statement. It is absolutely free of charges. 

Q: What is the difference between a credit card and a debit card?

A: While a debit card acts as an instrument to withdraw money from your savings account or to make card-based transactions using the amount in your account, a credit card is a credit instrument that allows you to spend using the card and repay it later.

Q: What is the CVV number?

A: The Card Verification Value (CVV) Number it is a 3 digit number mentioned on the backside of your credit card on the right side of the signature panel. Also known as the CVV2, this 3 digit number is an essential part of the verification process especially in case of online transactions. The CVV number should not be disclosed to anyone because the entire online transaction depends on the CVV number.

Q: What are the different types of Credit Cards available in Axis Bank?

A: Axis Bank offers a wide choice of credit cards specially designed to suit individual needs and wants. They come under four major categories as follows:
1.Premium Cards:- Vistara Credit Card, Vistara Signature Credit Card, Vistara Infinite Credit Card, Privilege Credit Card, Miles and More Axis Bank Credit Card, Reserve Credit Card, Select Credit Card and Signature Credit Card with Lifestyle Benefits.
2.Featured Cards:- MY Zone Credit Card, Neo Credit Card, Pride Platinum Credit Card, Pride Signature Credit Card, MY Zone Easy Credit Card, Insta Easy Credit Card, Buzz Credit Card.
3.Co-branded Cards:- Vistara Credit Card, Vistara Signature Credit Card, Vistara Infinite Credit Card, Miles and More Axis Bank Credit Card.
4. Other Cards:- Reserve Credit Card, Insta Easy Credit Card.

Q: What is the mean by supplementary/add-on card?

A: The Supplementary/add-on card refers to one or more credit cards that may be issued to family members of the primary cardholder. Add on cards share the total credit limit of the primary card account and have the same features as the primary card. If any reward points earned through add on cards those points will be added to the primary cardholder account.

Q: How does the Contactless Credit Card work?

A: Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert it. All the account details are communicated to the reader and then processed through the acceptance network in the usual way.

Q: Where do I check whether I am eligible to increase the limit on my Credit Card?

A: You can check the credit limit increase through net banking and Axis mobile banking app. Please click on the Check for Limit Increase option under Credit Card Menu in Services and select the card number for which you want to check your Limit Increase Eligibility. Then you need to click on submit button and your Limit Increase details will appear on the screen.

Axis Bank Credit Card Customer Care at:

Call on the below-given toll-free number to solve your any credit card related query.

1860 419 5555 or 1860 500 5555

For rural area people please call on the below-given toll-free number

1800 419 5577

Apart from this, you can send an email to solve your credit card related query. Kindly send a mail to the below-given mail address:

pno@axisbank.com 

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