Axis Bank Credit Card Billing Cycle

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:

Via Axis Bank Internet Banking

1. Log in to your Axis Bank NetBanking account using your Customer ID and password

2. Navigate to the ‘Credit Cards’ section

3. Select the credit card for which you want to make the payment

4. Click on ‘Pay Now’

5. To pay the full outstanding amount, select ‘Last Billed Due’

6. To pay only the minimum amount, select ‘Minimum Due’

7. Click on ‘Confirm and Pay’

8. Enter the OTP sent to your registered mobile number

9. 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.

Via Axis Bank Mobile Banking

1. Log in to your Axis Bank mobile app

2. Navigate to the ‘Quick Links’ section and tap on ‘Credit Cards’

3. Select the credit card you want to make the payment for

4. Your total outstanding amount will be displayed

5. Tap on ‘Pay Now’

6. To pay only the minimum amount, select ‘Minimum Due’; to pay the full outstanding amount, select ‘Last Billed Due’

7. Tap on ‘Confirm and Pay’

8. Enter your M-PIN to complete the transaction

Via the Auto-debit Facility

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

1. Log in to the Axis Bank mobile app

2. Go to ‘Service Requests’ and select ‘Auto Debit Registration’

3. Choose the credit card for which you want to enable the auto-debit facility

4. Tap on ‘Activate’ to complete the setup

 

Auto-debt via Axis Bank Interest Banking

1. Log in to your Axis Bank NetBanking account

2. Navigate to the ‘Services’ section and click on ‘Credit Card Services’

3. Select the credit card for which you want to set up auto-debit

4. Click on ‘Auto-debit Setup’ under ‘More Services’

5. Follow the on-screen instructions to activate auto-debit 

UPI Payment

1. Open your preferred UPI-enabled app and log in

2. Select ‘Pay Credit Card Bill’

3. Enter your Axis Bank credit card details

4. Verify the recipient’s name and enter the bill amount

5. Complete the transaction by entering your UPI PIN

 

The clearance turnaround time for UPI payments is 2 working days.

Via the National Electronic Fund Transfer (NEFT) Payment (For Non-Axis Bank Accounts)

1. Log in to your bank’s NetBanking account.

2. Select NEFT as the payment method.

3. 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

1. After beneficiary approval, go to ‘Fund Transfer’ and select NEFT

2. Enter the amount and complete the payment

 

The clearance turnaround time for NEFT payments is 1 working day.

Via Cash Payment (Offline)

1. Visit any Axis Bank branch with your credit card

2. Fill out the credit card cash deposit slip

3. Submit the slip and cash at the counter

4. Collect the receipt for reference

 

A service fee of ₹100 is applicable per cash payment. The payment will be processed on the same day.

Via Cheque Payment (Offline)

1. Write a cheque in favour of ‘Axis Bank Card (16-digit credit card number)’

2. Mention your name and mobile number on the back of the cheque

3. 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:

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:

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.