How to Pay Axis Credit Card Bill Online: A Complete Guide

Reward points, cashbacks, and lounge access are just a few of the great things that come with having an Axis Bank credit card. But if you want to keep these benefits, you must pay your Axis credit card bill on time every month. If you miss or pay late, you may have to pay late fees, have your interest rates go up, and your credit score go down.

We will show you all the quick and easy ways to pay your Axis credit card bill through Axis Bank’s online and offline channels in this detailed guide.

Overview of Paying Axis Credit Card Bills

When you use your Axis Bank credit card for purchases, you are essentially borrowing money from the bank. The bank offers an interest-free credit period where you can repay the bill without any extra charges.

Your credit card statement is generated every month with details of all transactions total outstanding amount minimum amount due, due date etc.

You have two options when paying your bill

• Pay the Full Amount Due: This is the full amount that is still owed. It helps avoid interest charges or accumulation of debt.

• Pay the minimum amount due. Usually, this is between 5 and 10% of the total bill amount. If you pay this, you won’t have to pay late fees, but interest is added to the rest of the amount.

To avoid penalties and excessive interest, it is recommended to pay the full bill amount before the due date. Axis Bank offers multiple channels like net banking, mobile apps, debit cards, NEFT/RTGS, UPI etc. to make the payment process quick and easy.

How to Pay Axis Credit Card Bill through Axis Bank Channels

1. Axis Bank Net Banking

• Log in to your Axis Bank internet banking account using customer ID and password
• Go to ‘Credit Cards’ tab and choose the card you want to pay bill for
• Click ‘Pay Now’ and enter the bill amount – Total Due or Minimum Due
• Verify and confirm the payment details
• Complete the payment by entering the OTP received on your mobile number

2. Axis Bank Mobile Banking App

• Open Axis Bank mobile app and login
• Tap on ‘Credit Cards’ option under ‘Quick Links’
• Select the credit card and enter bill amount
• Review payment details and confirm the payment
• Use your mobile PIN to authenticate and complete the payment

3. Auto-Debit Facility

• This automatically pays your bill from Axis savings/current account every month

To set up:

• Mobile app – Go to Services > Credit Card > Auto-Debit Payment

• Net banking – Services > Credit Card Services > Auto-Debit Setup

4. ATM Bill Payment

• Insert your Axis Bank debit card into any Axis ATM
• Select ‘Other Services’ and choose ‘Bill Payment’ option
• Enter your 16-digit credit card number twice for verification
• Input the bill amount and confirm payment
• Account linked to debit card will be debited

5. Cash/Cheque Payment

You can visit the nearest Axis bank branch for cash or cheque payments.

• Cash payment: ₹100 fee applicable. Amount credited same day.

• Cheque/Draft payment: Make instrument favoring ‘Axis Bank’ with 16-digit credit card number. Drop at any branch. Takes 1 day for Axis cheques, 3-5 days for others.

Paying from Other Bank Accounts

You can use NEFT, RTGS, UPI or Visa Money Transfer to pay your Axis credit card bill from any other bank account.

UPI Apps

• Open any UPI app – Google Pay, PhonePe, PayTM etc.
• Choose ‘Credit Card Bill Payment’ option
• Enter 16-digit Axis credit card number and bill amount
• Authenticate via UPI PIN to complete payment

NEFT/RTGS

• Use your bank’s net banking facility to make NEFT/RTGS transfer
• Provide Axis Bank beneficiary details:

Beneficiary Name: Cardholder name

Beneficiary Account Number: 16-digit credit card number

IFSC Code: UTIB0000400

Visa Money Transfer

• Transfer from your bank account using Visa debit card
• Available on most bank net banking or mobile apps
• Confirm process with your bank

Key Benefits of Online Payment Channels

• Convenience: Avoid branch visits by paying anytime, anywhere through net banking or mobile apps

• Instant payments: Channels like UPI, debit cards facilitate quick transfers and fast bill payment

• Reminders: Set payment reminders and autopay to avoid missing due date

• Reward points: Get extra reward points on card for payments through Axis Bank channels

• Tracking: Payment confirmation via SMS and email. Can also track payment status in net/mobile banking

• Security: Highly encrypted and secured bill payment platforms

Important Points to Remember

• Make payments at least 5 days before the due date for on-time credit
• Cash/cheque payments take longer than online modes
• Set up email/SMS alerts for bill generation, due date reminders
• Save credit card details on apps/net banking for quicker payments
• Avoid late payments to prevent penalties and interest charges
• Notify Axis Bank in case of any unauthorized transactions or discrepancies in bill amount

Paying your credit card bills on time should be your top priority to avoid debt traps. Axis Bank offers seamless payment mechanisms through multiple channels so you never miss a due date. Opt for instant payment modes like net banking, UPI, mobile apps for a fast and hassle-free bill payment experience. Monitor your account regularly and pay bills in full each month to enjoy uninterrupted Axis credit card benefits.