**Disclaimer: Axis Bank Credit Card is not a Bajaj Markets product. Offers would be from partner Banks/NBFCs only.
The Axis bank credit card is one of the most popular credit cards available in India that allows you to enjoy a host of benefits such as rewards points, e-vouchers, complimentary lounge access at airports, fuel surcharge waiver, and much more. To ensure that you make your Axis Bank credit card bill payment on time and continue enjoying these services and offers, here’s everything you need to know.
There are two ways to make your Axis Bank credit card bill payment – online and offline. To make the Axis bank card online payment, the various modes of payment include Netbanking, NEFT, IMPS, UPI, Billdesk, and Auto Debit. And if you prefer to make the payment offline, you can do so via cheque, draft, cash, or ATM.
A) Axis Bank Credit Card Payment Methods for Account Holders – Online
1. Net Banking
You can make use of the Net banking facility to make your Axis Bank credit card bill payment by following these simple steps:
Step1: Navigate to your account page and go to the ‘credit cards’ tab
Step 2: Choose your card to make the payment and click on ‘pay now’
Step 3: Next, choose the account and the amount for the Axis bank credit card bill payment
Step 4: Finally, click on ‘submit’
2. NEFT
To use the NEFT facility to make your Axis Bank credit card bill payment, these are the steps to be followed:
Step 1: You have to log in to your Axis Bank credit card account
Step 2: Next, go to the bills pay section and enter the amount
Step 3: Finally, enter all the requested details for the NEFT option such as beneficiary name, beneficiary account number, IFSC code, etc.
Step 4: In the final step, click on ‘make payment’
3. IMPS
IMPS is a very quick and reliable method to make your Axis Bank credit card online bill payment. Here are the steps to be followed to make the Axis card payment:
Step 1: Head to your Net Banking portal and log in with your credentials
Step 2: Go to the ‘Funds Transfer’ tab and choose the option ‘IMPS’
Step 3: Next, add the card as the beneficiary and add the details along with the amount.
Step 4: Click on ‘submit’ to complete the Axis bank credit card bill payment process.
4. UPI
After registering for the UPI service, users can follow these simple steps to pay their bills
Step 1: Go to your mobile banking app and click on the UPI tab.
Step 2: Create an ID and choose an account number to be linked to that ID.
Step 3: Next, go to the ‘pay’ tab and select the ‘send money’ option.
Step 4: Finally, enter the requested details and click on ‘confirm’ to complete the Axis Bank credit card payment.
5. BillDesk
Here are the quick steps for BillDesk payment to make your Axis Bank credit card bill payment:
Step 1: Go to the BillDesk portal on the official Axis Bank website.
Step 2: Enter the requested card details
Step 3: Next, click on ‘pay now’ and enter the Net Banking information to make the Axis bank credit card bill payment.
6. Auto Debit
It may often happen that you forget to make your Axis Bank credit card bill payment on time, so this service will prove to be helpful. All you need to do is register for the Auto-Debit facility via Net Banking or Axis mobile app by entering the required information. Upon successful verification, the amount will automatically get debited on a predetermined date every month for your Axis Bank credit card bill payment.
7. Axis Bank Mobile App
You can make your credit card bill payment through the Axis Bank mobile app. You just need to download the app. Then register on the app using your net banking credentials or your Axis Bank debit card details. After registration, you can select the appropriate sections within the app to pay your credit card bill. The payments are cleared instantly.
B) Axis Bank Credit Card Payment Methods for Non-Account Holders - Online
1. NEFT
If you do not have an Axis bank account, here are the steps to be followed to use the NEFT service to make your Axis Bank credit card bill payment:
Step 1: Log in to the net banking account of your non-Axis bank Net Banking facility.
Step 2: Register the Axis Bank credit card for NEFT by entering the requested details.
Step 3: Finally, make the payment.
2. Mobile Banking
3. IMPS
If you do not have an Axis bank account, here are the steps to be followed to use the IMPS service to make your Axis Bank credit card bill payment:
Step 1: Log in to your non-Axis Bank net banking or mobile banking account.
Step 2: Next, go to the funds transfer tab and choose the IMPS funds transfer option.
Step 3: Add your Axis Bank credit card as the beneficiary and complete the payment.
4. UPI
Step 1: You can make your Axis Bank credit card bill payment by using any UPI app
Step 2: Type in your Axis Bank Credit Card bill payment UPI ID
Step 3: Next, you need to verify the name and then enter the amount you want to pay
Step 4: Finally, complete the transaction using the UPI PIN
5. ECS
Very similar to the auto-debit method for Axis Bank account holders, the electronic clearance service (ECS) is a method that can be used if you wish to pay your Axis Bank credit card bills using another bank account.
Using ECS, you can put in place a standing instruction to debit your non-Axis Bank account for payments towards your Axis Bank credit card bill. You can use this method to pay your minimum amount, full bill amount, or even the fixed amount at the end of the month using ECS. You can utilise this facility by getting in touch with your bank and submitting a form with the necessary details.
6. Other Bank’s Netbanking
In case you want to pay your Axis Bank credit card bill through a different bank account, you can use NEFT, RTGS or UPI to do so through BillDesk. It is essential to remember that this payment method takes up to three days to clear.
7. RTGS Using IFSC
Credit card bill amounts of over ₹2 Lakhs can be paid using the RTGS facility. The process of paying the bill through RTGS is similar to NEFT. Firstly, it is necessary to register your credit card with your net banking. You can do so by adding your credit card as beneficiary by providing the relevant details like name, bank name, branch name, account number and IFSC code.
To conduct the RTGS transaction, you can follow these steps:
Log in to your net banking portal
Under ‘funds transfer’, choose RTGS
From the list of beneficiaries, select the credit card whose bill you want to pay
Check the details and confirm your payment.
1. Cheque/ Demand Draft
A cheque or a demand draft is a simple way to clear your credit card dues. Your Axis Bank credit card bill payment will be made as soon as the bank clears the cheque or the Demand Draft which usually takes 3-5 working days.
2. Cash
Another quick and easy way to make your Axis Bank credit card bill payment is via cash. All you need to do is visit the Axis Bank branch and deposit cash towards the Axis Bank credit card payment.
3. ATM
You can also visit an ATM to make Axis Bank credit card payment offline by following these steps:
Step 1: Swipe the card in your nearest ATM
Step 2: Click on the ‘other services’ tab, and select the ‘bill payment’ option
Step 3: Here they can enter the card number, amount, and ATM Card PIN to make the Axis Bank credit card payment
4. SMS
If you have an Axis Bank bank account and credit card, you can make your payments using SMS. Just follow these steps:
Step 1: Type CCP along with the last six digits of your Axis Bank Savings or Current Account, the payment amount and the last four digits of the credit card number. Separate each of these with a space.
Step 2: The payment amount will be deducted from your current or savings account automatically and in real time.
It is important to remember that you need to have an Axis Bank account which is linked with your registered phone number.
1. Cheque/ Demand Draft
For non-account holders, you can make the Axis Bank credit card payment using cheque/draft by drawing it in the favour of 'Axis Bank Credit Card number'. You can then drop the cheque in any Axis Bank drop box.
2. Cash
You can also visit your nearest Axis Bank branch and pay your credit card dues in cash. You may be charged a certain fee for the processing of the cash payment.
Every online and offline transaction mode that you use to make Axis Bank credit card bill payment takes a certain time to process. While Net Banking takes 1 working day, a cheque or demand draft takes up to 1 working day for Axis bank cheques and 3-5 days for other banks. Payments made via Mobile Banking, cash, IMPS, Auto Debit, and UPI will be instantly credited on the same day, hence they are considered to be extremely convenient modes of payment. Lastly, BillDesk will take up to 1-3 working days to process the Axis Bank credit Bank card payment.
Method |
Processing Time |
Cash |
Within the same day |
Cheque/Draft |
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Internet Banking |
Within the same day |
Axis Bank Mobile Banking |
Within the same day |
Axis Bank Mobile App |
Within the same day |
Visa CardPay |
2 working days |
NEFT/RTGS |
1 working day |
Bill Desk |
2 to 3 days |
Websites other than Axis Bank |
Chosen bank’s timelines |
UPI |
Instantly |
IMPS |
Within the same day |
One of the reasons why you should not delay making your credit card payment on time is the late payment charge levied by the card issuer. Most credit card companies charge a penalty interest rate if the payment for a credit card isn't made within 60 days of the due date. Many credit card companies set this penalty rate as high as 30% to be charged on the outstanding bill amount. Here are the late payment charges for Axis bank Credit Card:
Late Payment Fee |
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Some of the benefits of making von time include:
You can avoid late payment fees and high-interest rates if you pay your outstanding bill on time.
Paying on time can also have a positive impact on your credit score and can result in the bank increasing your credit card limit in the future.
Making your credit card payments on time helps you avoid accumulating debt. This helps avoid any possible debt trap
Online payments help you pay off your credit card bill on time at your own comfort at any time convenient to you
Paying your Axis Bank Credit Card bill on time online also helps you to do so in a paperless and hassle free manner
Online bill payments are processed faster than offline payments
Online payments allow you to set up standing instructions for your bank
Online payments are not only fast, but they also almost never attract a processing fee
Your Axis Bank Credit Card bill statements summarise your credit activities. Transactions after the billing cycle are classified as 'unbilled' and will be due in your next statement
To make payments using a mobile app, follow these simple steps:
Log in to the App using the MPIN and go to 'Pay Bills'.
If the card account is not already added, click on 'Add New Biller'.
Now select your Axis Bank Credit Card and click on 'Pay Bill'.
Enter the details, and the amount to be paid and click on 'Pay Now' or 'Pay Later'.
Confirm the payment by entering the MPIN again.
You can swiftly make Axis Bank credit card bill payment by sending a quick SMS from your registered mobile number, and the payment will instantly be made towards your credit card.
Netsecure is a two-step authentication system offered by Axis Bank that ensures the security of Net Banking transactions.
No, you generally do not need to pay any extra charges for online payment of your Axis Bank credit card bill except for NEFT and IMPS.
Yes, the bank usually notifies of successful payment of the Axis Bank credit card bill via SMS on your registered mobile number or email id.
It is not mandatory to submit any extra documents while opting for the Electronic Clearing Service.
You can register via Net Banking or the Axis Mobile app for the auto-debit facility for Axis Bank credit card bill payments.