Learn how to check your Axis Bank credit card billing cycle, due date, and payment options to avoid late fees.
Your Axis Bank credit card billing cycle is the period between two statement generation dates. It shows all transactions made during that period. Understanding this cycle helps you track spending, use the interest-free period wisely, and make payments on time to avoid late fees. You can check your billing cycle using these simple methods:
Axis Bank Internet Banking: Log in, go to the credit card section, and view your statement details
Axis Mobile App: Open the app, select your credit card, and check the billing details
Monthly Statement: Your e-statement or physical statement mentions the billing cycle
Customer Care: Call Axis Bank customer service to confirm your billing cycle
You can pay your Axis Bank credit card bill using multiple methods, including online and offline options. Timely payments help you avoid late fees and maintain a good credit score. Here are the detailed steps for each method:
Log in to your Axis Bank NetBanking account using your Customer ID and password
Navigate to the ‘Credit Cards’ section
Select the credit card for which you want to make the payment
Click on ‘Pay Now’
To pay the full outstanding amount, select ‘Last Billed Due’
To pay only the minimum amount, select ‘Minimum Due’
Click on ‘Confirm and Pay’
Enter the OTP sent to your registered mobile number
Click on ‘Submit’ to complete the transaction
The clearance time is 3 working days if processed through BillDesk and 1 working day if processed via Freecharge.
Log in to your Axis Bank mobile app
Navigate to the ‘Quick Links’ section and tap on ‘Credit Cards’
Select the credit card you want to make the payment for
Your total outstanding amount will be displayed
Tap on ‘Pay Now’
To pay only the minimum amount, select ‘Minimum Due’; to pay the full outstanding amount, select ‘Last Billed Due’
Tap on ‘Confirm and Pay’
Enter your M-PIN to complete the transaction
The auto-debit facility automatically deducts your Axis Bank credit card bill from your Axis Bank savings or current account on the due date. This helps you avoid late fees, maintain a good credit score, and eliminate manual payments. You can choose to pay either the total amount due or the minimum amount due each month. Here are two ways to set it up:
Auto-debit via Axis Bank Mobile App
Log in to the Axis Bank mobile app
Go to ‘Service Requests’ and select ‘Auto Debit Registration’
Choose the credit card for which you want to enable the auto-debit facility
Tap on ‘Activate’ to complete the setup
Auto-debt via Axis Bank Interest Banking
Log in to your Axis Bank NetBanking account
Navigate to the ‘Services’ section and click on ‘Credit Card Services’
Select the credit card for which you want to set up auto-debit
Click on ‘Auto-debit Setup’ under ‘More Services’
Follow the on-screen instructions to activate auto-debit
Open your preferred UPI-enabled app and log in
Select ‘Pay Credit Card Bill’
Enter your Axis Bank credit card details
Verify the recipient’s name and enter the bill amount
Complete the transaction by entering your UPI PIN
The clearance turnaround time for UPI payments is 2 working days.
Log in to your bank’s NetBanking account.
Select NEFT as the payment method.
Enter the following beneficiary details:
Beneficiary Name – Axis Bank
Beneficiary Branch Name – Mumbai
Beneficiary Account Number – Your 16-digit Axis Bank credit card number
IFSC Code – UTIB0000400
After beneficiary approval, go to ‘Fund Transfer’ and select NEFT
Enter the amount and complete the payment
The clearance turnaround time for NEFT payments is 1 working day.
Visit any Axis Bank branch with your credit card
Fill out the credit card cash deposit slip
Submit the slip and cash at the counter
Collect the receipt for reference
A service fee of ₹100 is applicable per cash payment. The payment will be processed on the same day.
Write a cheque in favour of ‘Axis Bank Card (16-digit credit card number)’
Mention your name and mobile number on the back of the cheque
Drop the cheque at any Axis Bank ATM drop box or branch
Ensure that the cheque is not post-dated, is drawn on a local bank, and is dropped at least 5 days before the due date. The cheque will be cleared within 1 day for Axis Bank accounts and 3 to 5 days for other banks.
Axis Bank assigns different billing cycle dates based on the type of credit card. The statement generation date determines the due date, which is typically 20 to 25 days later. Below are the possible billing cycle dates for specific Axis Bank credit cards:
Credit Card Type |
Billing Cycle Date |
Estimated Due Date (20-25 days later) |
Axis Bank ACE Credit Card |
5th or 15th of the month |
25th or 5th of the next month |
Axis Bank Magnus Credit Card |
10th or 20th of the month |
30th or 10th of the next month |
Axis Bank Select Credit Card |
7th or 17th of the month |
27th or 7th of the next month |
Axis Bank My Zone Credit Card |
12th or 22nd of the month |
2nd or 12th of the next month |
These dates may vary based on your card type and account history. To check your exact billing cycle, refer to your monthly statement, Axis Bank Internet Banking, the Axis Mobile App, or customer support.
If you fail to pay at least the minimum amount due by the due date, Axis Bank charges a late payment fee based on your outstanding balance. The late payment fee structure is as follows:
Total Outstanding Amount (₹) |
Late Payment Fee (₹) |
Up to ₹500 |
Nil |
₹501 – ₹5,000 |
₹500 |
₹5,001 – ₹10,000 |
₹750 |
₹10,001 – ₹25,000 |
₹1,200 |
₹25,001 – ₹50,000 |
₹1,500 |
Above ₹50,000 |
₹1,800 |
Late payment fees are added to the next billing cycle, and interest is charged on the unpaid amount. To avoid these charges, ensure timely payments via auto-debit, UPI, NEFT, or Axis Bank Internet Banking.
Yes, Axis Bank allows a one-time change to your credit card billing cycle. You can request this by calling customer support (number available under the ‘Call’ tab on the right side of the Axis Bank website) or by writing to Axis Bank via the ‘Chat’ tab.
No, the credit card billing cycle is not always 30 days. It usually ranges between 28 and 31 days, depending on the card issuer and the calendar month.
Axis Bank credit cards provide a credit-free period of 20 to 50 days on purchases, during which no interest is charged on the outstanding amount.
You can check your Axis Bank credit card billing cycle through Internet Banking or the Axis Mobile App. It is also mentioned in your monthly credit card statement.
You can check your credit card billing cycle through your monthly statement, online banking account, or by contacting your card issuer.