How to Easily Pay Your Axis Bank Credit Card Bill Online

Credit cards offer a convenient way to make purchases and manage expenses However, it’s important to pay your credit card bill on time each month to avoid interest charges and late fees Paying your Axis Bank credit card bill online is easy and can be done through multiple methods.

Overview of Paying Axis Bank Credit Card Bills

When you use your Axis Bank credit card for purchases, you are essentially borrowing money from the bank. The credit card bill you receive each month includes the transactions you made along with any applicable interest charges or fees.

The total amount owed on your statement is called the outstanding balance. Axis Bank expects you to make at least the minimum payment by the due date shown on your statement. The minimum payment is typically 2-5% of the outstanding balance. However, it’s ideal to pay off the entire balance each month to avoid incurring interest charges.

Axis Bank offers various online and offline options to pay your credit card bill conveniently before the due date. Let’s look at the different ways to pay Axis Bank credit card bills.

Online Methods to Pay Axis Bank Credit Card Bill

1. Pay via Axis Bank Internet Banking

If you have an Axis Bank savings or current account, the most straightforward way is to pay your credit card bill via Axis Bank Internet Banking. Here are the steps:

• Log in to your Axis Bank Internet Banking account using your customer ID and password.
• Under ‘Payments & Transfers,’ click on ‘Credit Card Payment.’
• Choose the credit card you want to make payment for.
• Select ‘Last Billed Amount’ to pay the total amount or ‘Minimum Due’ to pay only the minimum amount.
• Review payment details and click on ‘Confirm and Pay.’
• Enter the OTP received on your registered mobile number to complete the transaction.

The payment will get credited to your credit card account within 1 working day.

2. Pay using Axis Mobile App

You can also easily pay your Axis Bank credit card bill using the Axis Mobile app. Follow these steps:

• Log in to the Axis Mobile app and go to the ‘Credit Card’ section.
• Choose the card you want to make payment for.
• Click on ‘Pay Now’ and select ‘Last Billed Amount’ or ‘Minimum Due.’
• Review details and confirm payment by entering your mobile banking MPIN.

The app enables quick bill payment completion within 1 working day.

3. Setup Auto-Debit for Bill Payment

For timely bill payments every month, you can set up an auto-debit facility. Your credit card bill payment will automatically get deducted from your Axis Bank account on the due date. Follow these steps:

• On Axis Mobile App, go to ‘Services’ -> ‘Credit Card’ -> ‘Auto-Debit Payment.’
• Choose your credit card and click on ‘Activate.’

OR

• On Internet Banking, go to ‘Credit Card Services’ and select your card.
• Under ‘More Services,’ choose ‘Auto-Debit Setup’ to activate it.

4. Pay Your Bill through Netbanking of Another Bank

You can utilize the NEFT or IMPS facility offered by other banks to transfer funds and pay your Axis credit card bill. Here’s what to do:

• Log in to your other bank’s netbanking account and initiate a NEFT/IMPS transfer.
• Enter the Axis Bank beneficiary details:
  • Beneficiary Name: Your name as on credit card
  • Beneficiary Account Number: Your 16-digit credit card number
  • Beneficiary Bank: Axis Bank
• Enter the amount and complete the transfer by authenticating via OTP.

The payment will reflect in 1-2 working days.

5. Pay via Supported UPI Apps

To make instant credit card bill payments, you can use any UPI app like Google Pay, PhonePe, or PayTM. Just link your credit card, enter bill details and pay securely through UPI PIN. The payment gets credited within 2 working days.

Offline Methods to Pay Axis Credit Card Bill

1. Pay Your Bill at Axis Bank Branches

You can visit the nearest Axis Bank branch and pay your credit card bill in cash, cheque or draft. Keep the following in mind:

• Cash payments attract a fee of Rs. 100 per transaction.
• Cheque/draft should be drawn in favor of ‘Axis Bank Credit Card Number XXXX XXXX XXXX XXXX.’
• Allow 5 working days for cheques to get cleared and credited.

2. Pay Your Bill at Axis Bank ATMs

To make a cash payment, you can swipe your Axis Bank debit card and pay your credit card bill at any Axis Bank ATM. Here are the steps:

• On the ATM, select ‘Other Services’ and choose ‘Bill Payments.’
• Enter your credit card number twice for verification.
• The ATM will display your minimum due and total due amounts.
• Input the payment amount and complete the transaction.

The payment reflects instantly. This offers a 24×7 bill payment option.

Benefits of Paying Your Credit Card Bill on Time

Here are some major benefits of ensuring timely payment of your Axis credit card bill:

• Maintains a high credit score by avoiding missed payments or interest charges.

• Prevents penal charges and fees for late payments.

• Allows you to continue using the available credit limit on your card for purchases.

• Helps accrue rewards points consistently.

• Shows financial discipline and creditworthiness for future loan applications.

So make sure to pay at least the minimum amount due well before the payment due date every month. Setting payment reminders can help avoid missing your bill payment.

FAQs on Axis Credit Card Bill Payment

Q. How can I get Axis Bank credit card bill payment receipts?

You can view and download payment receipts on the Axis Mobile App or by logging into your account on Internet Banking. Email and SMS notifications also contain payment confirmation details.

Q. Can I pay more than the total due amount?

Yes, you can make payments over and above your total outstanding amount. The excess amount will reflect as a positive balance in your account.

Q. What happens if I pay only the minimum due?

Paying just the minimum due amount will prevent late payment penalties. However, you’ll be charged interest on the remaining unpaid balance which gets carried forward to the next billing cycle.

Q. When will my credit card payment get updated?

Online payments via Axis Bank accounts and UPI get updated in 1-2 working days. Payments made through other bank accounts may take 2-3 working days via NEFT/IMPS.

Q. Can I pay my bill in advance?

Yes, Axis Bank allows you to make advance payments towards your credit card bill account even before receiving the monthly statement.