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What is an Axis Bank Credit Card Statement

An Axis credit card statement is a document that all Axis Bank credit card holders receive at the end of every monthly billing cycle. It is a detailed document that contains information on the various transactions that you’ve made using the card. Additionally, it also gives you other vital information such as the payment due date, the total amount due and the minimum amount due, among others. 

By going through the Axis card statement, you can easily assess the amount you are spending, the frequency of your spending and understand your financial habits better.

How to Check Your Axis Bank Credit Card Statement 

There are multiple online and offline ways through which you can access your Axis Bank credit card statement. 

If you wish to access the statement online, you can do it either by logging into your netbanking account or through the Axis Mobile application. Alternatively, if you wish to check your statement offline, you can do so by either calling the Phone Banking service of Axis Bank or by visiting a nearby Axis Bank branch. 

1. How to Check Your Axis Credit Card Statement Online 

Here’s a quick look at the process that you would have to follow to check your Axis Bank credit card online statement through netbanking as well as the Axis Mobile application. 

A) Through Netbanking

  • Step 1: Visit the Axis Bank official website.

  • Step 2: Login to your netbanking account with your credentials. You might have to register yourself as a user before proceeding.

  • Step 3: Once you log into your account, go to the credit card section.

  • Step 4: Select your credit card and click on ‘View Statement’ and choose the billing cycle. 

  • Step 5: Click ‘Get Statement’ to download the Axis credit card statement for the chosen billing cycle.

B) Through the Axis Mobile App

  • Step 1: Download the Axis Mobile app and register yourself.

  • Step 2: Log into the app using your user credentials. 

  • Step 3: Go to the ‘Credit Cards’ section and click on ‘View Statement’.

  • Step 4: Select the date range for the statement and click on ‘Download’ to get a copy of your Axis Bank credit card statement.

2. How to Switch to an Axis Credit Card e-Statement

If you’ve been receiving physical Axis credit card statements, you can choose to switch to an e-statement instead. Let’s take a look at the steps that you would have to follow to make the switch.  

A) Through Mobile Banking

  • Step 1: Login to the Axis Bank mobile banking app.

  • Step 2: Go to the ‘Credit Cards’ section.

  • Step 3: Select the credit card for which you want to receive e-statements.

  • Step 4: Under ‘Total Controls’, select ‘E-statement Activation’.

  • Step 5: Click ‘Continue’ to send the request for Axis Bank credit card e-statement generation to the bank.

B) Through the Axis Bank Customer Care

Alternatively, you can also call the Axis Bank credit card customer care from your registered mobile number and express your desire to switch to an e-statement. Your request will be processed after successful verification of your identity.  

3. How to Check Your Axis Bank Credit Card Statement Offline 

If you are not comfortable with Axis credit card online statements, you can opt to receive them offline as well. You can get your Axis Bank credit card statement offline through the Axis Bank phone banking facility via post or by physically visiting the branch.

A) Through Phone Banking

You can get in touch with the Axis Bank phone banking facility by calling either 1860 419 5555 or 1860 500 5555. Upon getting connected to a customer care executive, you can proceed to register a request for receiving physical Axis credit card statements.

B) Through an Axis Bank Branch Visit

You can also physically visit your nearest Axis Bank’s branch and request a credit card statement for a particular billing cycle. Alternatively, you can also request the executive to make provisions so that your monthly credit card statements are sent to you via post to your registered address.

Components of a Axis Bank Credit Card Statement

As an Axis card holder, it is important for you to know what the various terms and components present in your Axis Bank credit card statement are. Here’s a quick overview of a few of them.  

  • Statement Period

The statement period indicates the billing cycle or the period during which the transactions listed within this statement have occurred. The statement is typically generated every 30 days.

  • Payment Due Date

Payment due date indicates the last date by which the outstanding credit card due or the minimum amount due on the credit card must be paid.

  • Minimum Due Amount

While your total outstanding balance may be significantly higher, this is the amount that you are required to pay within the due date. If you’re unable to pay the total outstanding balance on your credit card, you can choose to pay the minimum due amount within the due date. The minimum due amount is usually around 5% of the total amount due. 

  • Closing Balance

The closing balance on your Axis credit card statement is the total amount you are due to repay on your credit card. As a good financial practice, this amount should ideally stay minimal as it helps maintain a high credit score. 

  • Interest-Free Period

When you view your Axis Bank credit card statements online, you will notice a component titled ‘interest-free period’. This is the period until which you can repay your dues without having to pay any additional interest on the outstanding amount.

  • Reward Points

Reward points accumulated on your card are also mentioned on your credit card statement. This includes total points, available points and expired points.

  • Transaction Summary

This is a record of all the credit and debit transactions made on your card during a statement period.

  • Available Credit Limit

The available credit limit is the amount of money that you can borrow on your credit card. Every time you use your card, the available credit limit decreases until you make a repayment.

  • Available Cash Limit

This is the amount of money from the total cash limit that you can withdraw as cash from an ATM.

How to Download Your Axis Bank Credit Card Statement 

You can download your Axis Bank credit card online statement by either logging into your Axis Bank credit card netbanking account or through the Axis Mobile application. Let’s take a look at the process that you would have to follow. 

A) Through Netbanking 

  • Step 1: Visit the Axis Bank official website and log into your netbanking account. 

  • Step 2: Go to the credit card section.

  • Step 3: Select your credit card, click on ‘View Statement’ and choose the billing cycle. 

  • Step 5: Click ‘Get Statement’ to download the Axis credit card statement.

B) Through the Axis Mobile app 

  • Step 1: Download the Axis Mobile app and log into it using your user credentials. 

  • Step 2: Click on ‘Credit Cards’ and then on ‘View Statement’.

 

  • Step 3: Select the date range and click on ‘Download’ to get a copy of your Axis Bank credit card statement.

How to Handle Errors in Axis Bank Credit Card Statement 

The Axis Bank credit card statement is designed to give you detailed information on all the transactions that you’ve carried out during a billing cycle. By thoroughly perusing your statement, you can keep an eye out for unauthorised transactions that may have been carried out without your knowledge. 

In case you spot any suspicious transactions that you believe may have been carried out without your consent, it is advisable to contact your bank’s credit card customer care right away. Alternatively, if you spot any mistakes or errors on your Axis credit card statement, here’s a quick look at what you can do to handle them. 

  • Bring the error or mistake to the notice of the Axis Bank credit card customer care immediately. In most cases, the issue will be rectified by the bank. 

  • As part of the resolution process, the bank may require you to produce certain documentary evidence or proof of transaction. Therefore, it is a good idea to keep a record of the receipts and transactions that you make. 

  • If the bank is unable to provide you with a satisfactory response, you may escalate the issue further by writing a letter to the Axis Bank credit card customer care cell clearly explaining the issue along with documentary evidence to prove your case.

 

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FAQs on Axis Bank Credit Card Statement

✔️How can I check my Axis credit card statement?

You can check your Axis credit card statement through phone banking, mobile banking, netbanking, or simply by visiting your nearest Axis Bank branch.

✔️What is listed in the Axis credit card statement?

The Axis credit card statement includes a range of details including the total amount you have spent, the total outstanding balance you are due to repay, the minimum amount due, the closing balance, the interest-free period, the time you have in hand to clear your current pending dues, reward points, available cash and credit limit and the transaction summary.

✔️How can I get 3-year’s statement for my Axis Bank credit card?

Getting an Axis credit card bill statement for a period of 3 years is simple and can be done by following the steps mentioned below. 

 

Step 1: Download the Axis Mobile app and register yourself.

Step 2: Log into the app using your user credentials. 

Step 3: Go to the ‘Credit Cards’ section and click on ‘View Statement’.

Step 4: Select the date range for the statement as 3 years and click on ‘Download’ to get a copy of your Axis Bank credit card statement.

✔️How can I get my Axis Bank statement by SMS?

While you cannot get your Axis credit card statement via SMS, you can lodge a request for an e-statement, which will be sent to your email ID. To place a request for an e-statement, you will have to send the following SMS to 56161600 or +918691000002.

ESTMT <last 5 digits of account no.> <From Date> <To Date> 

The dates in the SMS should be in the DD-MM-YYYY format. Here’s an example. 

ESTMT 12345 01-06-2020 30-06-2020

 

✔️What is the password for my Axis Bank Credit Card Statement?

You can access your Axis credit card e-statement by entering any one of the following two passwords. 

 

  • The first four letters of your name as they appear on your credit card account in UPPER CASE and your date of birth in the DD MM format (without any spaces). 

  • The first four letters of your name as they appear on your credit card account in UPPER CASE and the last four digits of your credit card number.

✔️How frequently will I receive Axis Bank credit card e-statements?

You will receive an Axis Bank credit card e-statement once every month at the end of a billing cycle.

✔️Do I pay any charges to receive e-credit card statements?

No. Axis Bank credit card online statements are completely free, meaning you don’t have to pay any charges to receive them.

✔️How to Get Your Axis Bank Credit Card Statement Errors Rectified?

In case you notice any discrepancies or errors in your credit card statement, you can get in touch with the bank’s credit card customer care to sort out the issue. You can reach the bank’s customer care via phone banking, via the virtual assistant on Axis Bank’s website, or by physically visiting your nearest Axis Bank branch. 

 

To ensure that the errors are resolved quickly, always ensure that you have all the documents and relevant proofs ready such as transaction receipts, previous balance statements, etc. Ideally, the issue should be resolved within 5-7 working days. In case the matter persists, you can file a complaint with Axis Bank’s grievance redressal department.

✔️What are the benefits of Axis Bank Credit Card Statements?

By checking your Axis credit card statement periodically, you get to enjoy a host of benefits. Here’s a quick look at a few of them. 

  • You can keep a check on where you are spending and how much.

  • You can stay on top of your financial dues and keep a check on the available credit.

  • You can understand your financial habits better and ensure that you do not make any unnecessary expenses. 

  • You can manage your finances better over the long run.

  • You can quickly ascertain inappropriate use of your card by an unauthorised person.

✔️Who can get registered for an Axis Bank credit card email statement?

All Axis Bank credit card holders can opt to receive their credit card statement via email. 

✔️Can I get hard copies of my credit card statements even after registering for an electronic delivery?

No. Once you opt to receive your Axis Bank credit card statements via email, you will cease to receive hard copies of your statements. However, you can request for a hard copy of your credit card statement by logging into your credit card account or by visiting an Axis Bank branch nearest to you. Keep in mind that you may be charged for this feature.