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Credit Card Bill Payment
Credit Card bill payment is one of the key aspects to keep in mind when using a Credit Card. Since Credit Cards help you make purchases now and settle the payment at a later date, you are essentially borrowing money from the bank. You are required to repay this amount by the end of the billing cycle. The bank offers an interest-free grace period of up to 30-50 days from the date of the transaction.
Reasons to pay Credit Card Bills on time
It is advisable to settle your Credit Bill Payment before the due date. This helps you avoid accruing interest charges on your subsequent statement. This will help avoid the accumulation of fees and interest charges. The benefits of paying Credit Card dues in full include:
- Your credit score remains high and credit history stays positive
- You avoid penalties and high Interest Rate charges
- The credit limit on your Credit Card remains high, allowing you to make further transactions as and when required
- Log into your Axis Bank Net banking account with your Customer ID and password.
- Under the tabs, click the option "Credit Cards.”
- Select the card for which you wish to make the payment.
- Click on "Pay now."
- Choose the "Last Billed Due" option if you wish to make the entire payment or select the "Minimum Due" option if you wish to pay only the minimum amount.
- Click on "Confirm and Pay."
- Enter the OTP you receive on your mobile and submit the secured page.
Turn around time for the clearance is 3 working days when processed through Billdesk and 1 working day when processed through Freecharge.
- Log into your Axis Bank mobile app
- Click on the “Credit Cards” tab under the section Quick Links
- Select the card for which you wish to make the payment.
- Your total outstanding amount will be displayed
- Click on "Pay now."
- Choose the "Last Billed Due" option if you wish to make the entire payment or select the "Minimum Due" option if you wish to pay only the minimum amount.
- Click on "Confirm and Pay."
- Enter your M-PIN to pay your Credit Card bill.
Turn around time for the clearance is 3 working days when processed through Billdesk and 1 working day when processed through Freecharge.
You have the option to apply for the Auto Debit Facility, allowing for the timely repayment of Credit Card to Credit Card bill payment of either the total amount due or the minimum amount due, directly from your Axis Bank savings or current account every month. To set up auto debit, you can follow these steps via the mobile app or Internet Banking:
Using the Axis Bank Mobile Application:
- Log in to your Axis Bank Mobile Application.
- Navigate to "Services," then select "Credit Card," and choose "Auto Debit Payment".
- Select the specific Credit Card for which you wish to set up Auto Debit.
- Click on “Activate” to enable the Auto Debit option.
Using Axis Bank Internet Banking:
- Log in to your Axis Bank Internet Banking account.
- Access the "Services" section, then click on "Credit Card Services."
- Choose the Credit Card for which you want to set up Auto Debit.
- Under "More Services," select "Auto Debit Setup," and proceed to activate it.
You can settle your Credit Card bills using your Axis Bank Debit card at any Axis Bank ATM by following these steps:
- Insert your Axis Bank ATM/Debit card into any Axis Bank ATM.
- Choose the "Other Services" Option.
- Within the "Other Services" menu, select the "Bill Payment" option.
- The ATM asks you to enter your Credit Card number twice for verification purposes.
- Once your card has been successfully validated, the ATM screen will display the "Total Amount Due" and "Minimum Amount Due."
- Input the specific amount you wish to pay.
- The account linked to your ATM/Debit Card will be debited, and an equivalent amount will be credited to your Credit Card account.
The payment will be processed on the same day.
a. Cash Payment
To pay your Credit Card bill in cash, you can visit your nearest Axis Bank branch. Please note that a service fee of ₹100 per payment will be charged for cash payments of your Credit Card bills at an Axis Bank branch. The payment will be processed on the same day.
b. Cheque/Draft
For cheque or draft payments, you can select the desired amount and issue the cheque/draft in favour of "Axis Bank Card No. (16-digit Credit Card Number)." Drop the cheque at any Axis Bank branch.
Please ensure the following:
- The cheque is dropped in at least 5 days before your due date.
- The cheque is drawn on a local bank.
- The cheque is not post-dated.
Turnaround time for the clearance of Axis Bank cheques is 1 working day and 3-5 days for other banks based on realisation.
You can now make instant payments for your Credit Card bill using UPI. Here are the steps to pay via UPI:
- Initiate a UPI payment from any UPI-enabled application like Google Pay, PhonePe, PAYTM etc.
- Select the option "Pay Credit Card bill".
- Enter your Credit Card details.
- Verify the recipient's name and input the bill amount.
- Complete the transaction by entering your UPI PIN.
Turn around time for the clearance is 2 working days.
a. National Electronic Funds Transfer (NEFT)
With the NEFT facility, you can pay your Credit Card bills online from any other bank account. All you need to do is:
- Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
- Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:
| Beneficiary Name | Name as on Credit Card |
|---|---|
| Beneficiary Bank Name | Axis Bank |
| Beneficiary Branch Name | Mumbai |
| Beneficiary Account Number | Your 16 digit Credit Card number |
| IFSC Code | UTIB0000400 |
TAT for NEFT clearance- 1 working day
b. Visa Money Transfer
You can also make your payment using Visa Money Transfer, which lets you use your Net Banking facility or your Visa Debit Card to make your payment. Contact your bank's Customer Service to know more about how you can use this service
TAT for VMT clearance- 2 working day
Click here to pay your bill
Axis Bank recommends cardholders to pay their Credit Card dues via above specified methods. Any Credit Card payment made via other channels, including any 3rd party apps non-affiliated with Axis Bank, may have a higher TAT for clearance. Penal charges, as applicable on the card variant, will be applicable if funds are not received by Axis Bank by due date. For any queries arising from delayed/non-reflection of payment on card made via non-affiliated channels, customer may reach out to the respective channels directly.
Frequently Asked Questions
If you use a Credit Card regularly, you will get a monthly credit bill or statement. The Credit Card statement includes various details related to your transactions as well as any overdue fees, or interest charges if you have converted any transaction into EMIs or carried forward the outstanding amount.
You can either make the full Credit Card bill payment or pay the minimum required payment, which is around 5% to 10% of the total outstanding balance. Any remaining balance is carried forward to the following month. The bank charges an interest rate on that outstanding amount.
Yes, you can. Credit Card bills usually have a minimum amount due that you must pay by a specified due date to avoid late payment fees and penalties.
It is a small percentage of the total outstanding balance (usually 5% to 10%) and includes interest and fees. Paying only the minimum due will prevent late fees, but result in the remaining balance being carried forward to the next billing cycle with interest charges.
You should pay your Credit Card bill by the due date mentioned on the bill. Paying on or before the due date will help you avoid late payment fees and negative impacts on your credit score. It's advisable to pay your bill in full to avoid interest charges.
Yes, you can. Please note that Credit Card transactions may take a day or two to reflect in your account, so ensure you are paying for the correct transactions.
If you overpay your Credit Card balance, the excess amount will be credited to your account. You can use this excess amount to offset future purchases or request a refund from the Credit Card issuer.
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