Axis Bank Credit Card Payment

Axis Bank Credit Card Bill Payment

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.

Axis Bank Credit Card Payment Online Methods

1) Axis Bank Credit Card Payment Methods - Online

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 account with Axis Bank, you can use the NEFT service to make your Axis Bank Credit Card bill payment. Here’s what you need to do:

• Step 1: Log in to your account on the net banking platform offered by your bank.

• Step 2: Add your Axis Bank Credit Card as a beneficiary on the platform for NEFT transfers, by entering the details needed.

• Step 3: Then, transfer the bill amount to this account to complete your credit card bill payment.

2. Mobile Banking

• Step 1: If your Axis Bank Credit Card has not been added as a beneficiary on the mobile banking facility offered by your bank, you need to first take care of this. 

• Step 2: If you’ve already added your Axis Bank Credit Card as a beneficiary, log in to the mobile banking account you have with your non-Axis Bank.

• Step 3: In the ‘credit card’ tab, select your Axis Bank Credit Card, enter the amount to be paid in the relevant field and make the payment.

3. IMPS

If you do not have an account with Axis Bank, you can use the IMPS facility to make your Axis Bank Credit Card bill payment. Here’s how:

• Step 1: Log in to the net banking or mobile banking account you have with your non-Axis Bank. 

• Step 2: Visit the ‘funds transfer’ tab and choose the IMPS as the transfer mode.

• Step 3: Add your Axis Bank Credit Card as a beneficiary in your account.

• Step 4: Enter the amount to be paid and complete the payment.

4. UPI

• Step 1: Open the UPI app of your choice. 

• Step 2: Enter the UPI ID for your Axis Bank Credit Card bill payment.

• Step 3: Fill in the details of the amount you need to pay.

• Step 4: Use your UPI PIN to validate the transaction and complete the payment. 

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.

Axis Bank Credit Card Payment Offline Methods 

A) Axis Bank Credit Card Payment Methods for Account Holders- Offline

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.

B) Axis Bank Credit Card Payment for Non-Account Holders- Offline Methods

1. Cheque/ Demand Draft

If you are not an account holder at Axis Bank, you can make use of a cheque or a demand draft to pay your Axis Bank Credit Card bills. Your cheque or DD should be issued in favour of the Axis Bank Credit Card number. You can then submit the cheque or DD in any drop box offered by Axis Bank. 

2. Cash

You can also head to any Axis Bank branch to make your credit card bill payment in cash. The bank may levy a nominal fee to process the cash transaction.

Processing Time for Different Axis Bank Credit Card Bill Payments

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.

Axis Bank Credit Card Late Payment Charges 

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: