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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.


Axis Bank credit card holders can avail of 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

If you are wondering how to convert credit card payments to EMI in Axis Bank, this can be done through 3 convenient modes. 


Here are the simple steps to achieve this:

1. Internet Banking 

You can conveniently convert your outstanding balance into Axis Bank Credit Card EMIs via net banking, the bank’s mobile app, or customer care.

For the first option, log in to your net banking account and navigate to the ‘Accounts’ section. Under the ‘Credit Cards’ section, select the ‘Convert to EMI’ option, pick the statement type (current/unbilled), and choose the transaction for conversion. 


Input EMI details, agree to the terms and conditions, and enter your NetSecure code to verify the action. 


Alternatively, you can use Axis Bank mobile app to complete the EMI conversion process. Simply log in to your mobile banking account, follow these steps, and verify the action with your mPIN. 


You can also call the bank’s customer care number 18604195555/18605005555 to register an EMI conversion request.

2. Axis Bank Mobile App

You can also convert your lump-sum purchase into Axis Bank Credit Card EMI:

  • Step 1: Sign in to Axis Bank mobile app

  • Step 2: Select the ‘Credit Cards’ option under the ‘Services’ menu

  • Step 3: Choose the ‘Convert to EMI’ option and select the transaction you wish to convert under Axis Bank credit card EMI conversion

  • Step 4: If the transaction is eligible for EMI conversion, you will be asked to select the repayment tenure. The app will specify the interest rate

  • Step 5: Agree to the terms and conditions to complete the EMI conversion application procedure

3. Customer Care

Here is how you can use customer care service to get your spending converted into Axis Bank Credit Card EMI:

  • The credit cardholders can call on the Axis Bank credit card customer care number 1860-419-5555 or 1860-500-5555

  • The executive will require certain transaction details to proceed with your request.

  • To speed up the process, you can use the Axis Bank credit card EMI payment calculator to check the EMI amount before placing the request

  • Once you confirm your request to the executive, the bank will proceed with your application

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Key Advantages of Axis Bank Credit Card EMI

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 the cardholders to make lump-sum purchases without exhausting their monthly budget and repay the bank in small amounts as per their convenience.

  • Zero Cost EMI Option: In case the cardholders 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 Tenure: The customers can use the Axis Bank credit card EMI conversion calculator to find EMI amounts at different tenures and then select the repayment tenure between 6 months to 24 months.

  • Affordable Rates: Enjoy competitive interest rates and processing charges when availing EMI facilities. Also, get the monthly reducing balance method to ensure efficient outgo.

Fees & Charges of Axis Bank Credit Card EMI

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

Merchant Interest Rate

14% p.a.

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.

Things One Must Know About Axis Bank Credit Card EMI Facility

Before opting for Axis Bank credit card EMI conversion, you must consider the below-mentioned points:

  • The cardholder cannot avail 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 tenure

  • 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 Axis Bank credit cardholder if they wish to settle EMIs before the repayment tenure


Typically, you will notice that longer tenures 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 us assume you have made a purchase of ₹50,000 and have three EMI tenure 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 tenure, even though the interest rate is lower. On the other hand, a shorter tenure will require you to pay higher EMIs. 

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

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How to Apply for Axis Bank Credit Card?

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FAQs on Axis Bank Credit Card EMI

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.

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.

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.

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 tenure, etc. The cardholder gets a tentative schedule on the registered contact details.

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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