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With your Axis Bank Credit Card, you can make lump-sum purchases and convert the outstanding balance into easy and affordable EMIs. Your Axis Bank Credit Card EMI will include a minimal interest charge of 1.5% per month or 14% p.a.You can use this EMI conversion facility on minimum spending of ₹2,500 within two months from the purchase date.

How to Convert Axis Bank Credit Card Bill into EMIs

Here are the simple ways to make EMI conversions for credit card payments

Internet Banking 

  1. Log into your Internet banking account

  2. Go to ‘My Credit Cards’

  3. Select the ‘Convert to EMI’ option

  4. Choose your statement type as current or unbilled

  5. Choose an eligible transaction

  6. Enter all relevant EMI details

  7. Enter your NetSecure code and submit

Mobile Application

  • Log into your banking account through the Axis Bank mobile application

  • Navigate to the ‘Credit Cards’ tab

  • Select your transaction type as statement or unbilled

  • Fill in all required EMI details

  • Enter your mobile banking PIN

Customer Care

You may use the following phone numbers to contact the Axis Bank customer service base concerning EMI conversion requests:

  1. 1860-419-5555

  2. 1860-500-5555

  3. 1800-103-5577 (Toll-free number)

You will receive an SMS once the conversion request has been registered. Typically, the request should get processed immediately and you should receive a confirmation SMS soon.

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Features and Benefits

The Axis Bank Credit Card EMI facility offers several benefits. Here are some of the prominent ones you should know about:

  • Pay as per Convenience

Axis Bank Credit Card conversion to an EMI facility allows you to make lump-sum purchases without exhausting your monthly budget and repay the bank in small amounts as per your convenience.

  • Zero Cost EMI Option 

If you make a transaction with Axis Bank partner brands, those transactions can be converted into EMI under the zero-cost EMI option, depending on the applicability.

  • Flexible Repayment tenor

You can use the Axis Bank Credit Card EMI conversion calculator to find EMI amounts at different tenors and select a repayment tenor between 6 months to 24 months.

  • Affordable Rates

Enjoy competitive interest rates and processing charges when using the EMI facilities. Also, get the monthly reducing balance method to ensure efficient outgo.

Fees & Charges

Check out the applicable charges on the Axis Bank Credit Card EMI conversion in the table below:



Post-Purchase Interest Rate

1.5% on the purchase amount

EMI Conversion Processing Charges

₹150 or 1.5% of the purchase amount

Service Tax


Foreclosure Charges

3% of the outstanding amount

Disclaimer: The credit card EMI conversion specifics provided in the table above are subject to the card issuer’s policies. Check the details on the issuer’s official website before applying.

Factors to Consider

Before opting for an Axis Bank Credit Card EMI conversion, you must consider the below-mentioned points:

  • The cardholder cannot use the benefits of the reward points earned from a transaction that is later converted into EMI

  • The cardholder cannot withdraw from Axis Bank Credit Card services during the EMI repayment tenor

  • The requests made by the credit cardholders will be redirected toward the Axis Bank primary cardholder

  • Axis Bank Credit Card EMI conversion facility is not offered to the bank’s corporate credit cardholders

  • Foreclosure and cancellation charges will be levied upon the cardholder if they wish to settle EMIs before the repayment tenor


Typically, you will notice that longer tenors come with lower interest rates. This can make them more appealing; however, you may end up paying a larger amount overall. Here’s an example to help you visualise how the Axis Bank Credit Card EMI conversion works:


Let’s assume you have made a purchase of ₹50,000 and have three EMI tenor options available to you. 

  1. 25% interest p.a. for 3 months

  2. 20% interest p.a. for 6 months

  3. 15% interest p.a. for 12 months


The different payable interest amounts will be:

  1. ₹3,125

  2. ₹5,000

  3. ₹7,500


As you can see, you will be paying a far higher amount for a longer tenor, even though the interest rate is lower. On the other hand, a shorter tenor will require you to pay higher EMIs. 


Hence, the ideal tenor should be chosen based on your repaying capacity. It also helps if you choose an issuer that has a low interest rate, and flexible repayment options. You can find such offers with ease on Bajaj Markets.

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How to Apply for an Axis Bank Credit Card

Axis Bank Credit Card

Here’s how you can get an Axis Bank Credit Card on Bajaj Markets:


To start the process of applying for this credit card, adhere to these steps:

  1. Click the 'Apply Now' button

  2. Furnish essential details, including your mobile number, date of birth, and profession

  3. Progress by clicking 'Next’

  4. Submit the OTP received via SMS

  5. Provide details such as your PAN Card number, personal email address, residence PIN code, and monthly income

  6. Opt for your preferred Axis Bank Credit Card from the list of available options

  7. Complete the verification stage by entering your employment and personal details

Frequently Asked Questions

When will foreclosure charges be applicable?

If you cancel your EMI option before paying the first EMI, then you will get a waiver and no foreclosure charges will be applicable. However, if you prepay the loan 30 days after paying the first EMI, a foreclosure charge of 3% will be levied on the outstanding amount.

Where will my EMI amount payments be reflected?

Cardholders can check their EMI payments in the billing statement of their Axis Bank Credit Card. The statement records all the details regarding the EMI payment.

How can I opt for a zero-cost EMI facility for my Axis Bank Credit Card transactions?

Axis Bank offers a zero-cost EMI facility only on credit card transactions made with partner brands. Under the Zero-Cost EMI facility, no interest will be charged on the credit amount.

How long does it take to process my Axis Bank Credit Card EMI conversion facility?

The bank generally accepts the request to convert your credit card transaction into EMI within a few hours; however, the amortisation schedule depends on the transaction amount, repayment tenor, etc. The cardholder gets a tentative schedule on the registered contact details.

What is an applicable condition for foreclosure charges under the Axis Bank Credit Card EMI conversion facility?

A foreclosure charge of 3% of the outstanding transaction amount will be levied upon the cardholder if the cardholder has started paying the EMIs. The bank does not charge foreclosure charges if the cardholders settle the transaction amount before paying the first EMI amount.

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