How to Pay Your Axis Bank Credit Card Bill Online – A Step-by-Step Guide

Paying your Axis Bank credit card bill on time every month is crucial to avoid late fees, maintain a good credit score, and keep the credit limit on your card high With several convenient online and offline options, Axis Bank makes it easy for customers to pay their credit card bills before the due date.

In this comprehensive guide, we will walk you through the various ways to pay your Axis Bank credit card bill online and offline

Overview of Axis Bank Credit Card Bill Payment

Every month, Axis Bank sends out a credit card statement that lists all of the transactions, the total amount still owed, the minimum amount due, the due date, and other information. You can either make the full payment or at least 10% of the amount still owed before the due date.

Here are some key reasons to pay your credit card bill on time:

• Avoid late payment fees and penalties
• Interest charges are not applied if bill is paid in full
• Credit score remains high
• Credit limit and eligibility for future credit line increase stays intact

Axis Bank offers multiple online and offline options to settle your credit card dues conveniently before the due date. Let’s look at how to use these methods:

Online Options to Pay Axis Credit Card Bill

1. Payment via Axis Bank Net Banking

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

• Log in to Axis Bank Net Banking with your username and password
• Go to ‘Credit Cards’ tab and select your credit card
• Click on ‘Pay Now’ and enter payment amount
• Confirm and submit payment after OTP verification

2. Payment through Axis Mobile Banking App

The process to pay your credit card bill via the Axis Mobile app is similar:

• Log in to Axis Mobile app and go to ‘Credit Cards’
• Choose your credit card and click ‘Pay Now’
• Enter payment amount and confirm
• Authenticate via MPIN to complete payment

3. Auto-Debit Facility

You can set up auto-debit from your Axis Bank account every month for credit card bill payment. Follow these steps:

• Via Mobile App: Go to ‘Services’ > ‘Credit Card’ > ‘Auto-Debit Payment’
• Via Net Banking: Go to ‘Services’ > ‘Credit Card Services’ > ‘Auto-Debit Setup’

4. Payment through UPI Apps

To pay your Axis Bank credit card bill via UPI apps like Google Pay, PhonePe, PayTM, etc:

• Open your UPI app and select ‘Pay Credit Card Bill’
• Enter card details and payment amount
• Authenticate via UPI PIN to complete transaction

5. NEFT/RTGS

You can use NEFT/RTGS facility from any bank account to transfer funds to your Axis Bank credit card:

• Initiate NEFT/RTGS from your bank’s Net Banking
• Enter beneficiary details – Axis Bank credit card number, IFSC, etc.
• Make payment for the bill amount

Offline Options to Pay Credit Card Bill

1. Payment at Axis Bank ATMs

Follow these steps to pay your credit card bill at Axis Bank ATMs:

• Insert debit card and enter PIN
• Select ‘Bill Payment’ under ‘Other Services’
• Enter credit card number for verification
• Choose payment amount – Total or Minimum Due
• Account linked to debit card will be debited

2. Cash Payment at Branch

Visit the nearest Axis Bank branch with cash. Share your credit card details and pay your bill over the counter. A fee of Rs.100 is applicable for cash payments.

3. Cheque/Draft Payment

You can make the payment via a cheque or draft made in favor of your Axis Bank credit card number. Ensure that:

• Cheque/draft is dropped 5 days before due date
• Drawn on a local bank
• Not post-dated

When to Pay Credit Card Bills?

Ideally, you must pay your credit card bills in full by the due date mentioned on your statement to avoid any penalties or interest charges. If you cannot pay the full amount, ensuring you pay the minimum due amount before the due date is crucial.

Can I Pay the Bill Same Day as Purchase?

Yes, you can pay your credit card bill on the same day of purchase. However, transactions take 1-2 days to reflect in the credit card account. So ensure you are paying for the right transactions.

What Happens if I Overpay the Credit Card?

Any excess payment over your total outstanding amount will be credited to your account as available balance. You can use this balance for future transactions or request a refund from Axis Bank.