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Axis Bank Credit Card Payment

Axis Bank offers various methods to make the credit card payment. You can pay your bills using facilities like UPI, NEFT, internet banking , and much more. Read on to know more about how to pay the Axis Bank credit card bill.

Axis Bank Credit Card Bill Payment - Online

Axis Bank Credit Card  Payment

Through Net Banking

Step 1: Log into your Axis Bank account using your netbanking ID and password

Step 2: After this, in the ‘Credit Card’ section, go to the ‘Pay Bill’ tab

Step 3: Choose the credit card number, the amount to be debited, and then click on “Submit” to complete the payment.

Step 4: The payment amount is disbursed and credited on the same business day.

Through Mobile Banking

Step 1: Log into your mobile banking account and choose the credit card number under the accounts section.

Step 2: Log into the Axis Bank app (SMS MBANK to 5676782, and you will get a link that can be used to download the app)

Step 3: Go to Credit Cards.

Step 4: Choose the credit card

Step 5: Click on 'Pay Now'

Step 6: Choose the account that has to be debited

Step 7: Input the payment amount

Step 8: Click on 'Proceed'

Through NEFT Using IFSC Code

You have to add your credit card in the beneficiary list so that you can use the NEFT service. Follow the steps mentioned below to pay your credit card bill via NEFT.

Step 1: Log in to your Axis Bank account through your user ID and password

Step 2: Choose ‘Fund Transfers’ and then select ‘NEFT’.

Step 3: Select the Axis Bank credit card for which you have to clear the bill from the list of beneficiaries.

Step 4: Enter the amount, review, and then make the payment

Through UPI

You can first register for the UPI service and follow these simple steps to pay your bills

Step 1: On your mobile banking app, click the UPI tab.

Step 2: Create an ID and select an account number to link to that ID.

Step 3: Next, go to the ‘pay’ tab and pick the ‘send money’ option.

Step 4: Enter the details asked for and click on ‘confirm’ to complete the Axis Bank Credit Card payment

Through Paytm

Step 1: Go to the paytm credit card bill payment link

Step 2: Enter your Axis Bank credit card number under the Credit Card Bill Payment option and click on proceed.

Step 3: Now, opt for BHIM UPI or Net Banking as the mode of payment and click on 'Pay now'.

Step 4: Finally, enter the payment details and complete the payment.

Through PhonePe

Step 1: On your smartphone, open your PhonePe app .

Step 2: Choose 'Credit Card Bill'. This option can be found under the 'Recharge & Pay Bills' section.

Step 3: Next, enter your credit card number and click on 'Confirm'. This will link your credit card to your phonepe account.

Step 4: Follow the ensuing steps to complete the payment procedure

Through Mobikwik

Step 1: Visit the mobikwik bill payment app

Step 2: Enter the credit card number and the amount you wish to pay

Step 3: Select ‘Go’

Step 4: Follow the rest of the instructions to complete the payment

Through IMPS or the immediate payment service (IMPS)

Step 1: Log in to your non-Axis bank mobile banking or net banking account.

Step 2: Go to the funds transfer tab and choose IMPS funds transfer.

Step 3: Add your Axis Bank credit card as the beneficiary and proceed towards completing the payment.

Through BillDesk

Step 1: Go to the BillDesk portal on the official website of Axis Bank.

Step 2: Enter the card details asked for

Step 3: Next, click on ‘pay now’ and input the Net Banking details to complete the Axis bank credit card bill payment.

Axis Bank Credit Card Bill Payment - Offline

Through Cash Payment

  • You can pay through cash at Axis Bank branches.
  • The clearance will be made on the very same day.
  • A service fee of Rs.100 will be levied for cash payments

Through Cheque/Draft

  • A cheque or draft can be drawn in the favor of ‘Axis Bank Credit Card number’, and this can be dropped at any Axis Bank branch.
  • The cheque must be dropped five days before the due date and should not be a post dated cheque.
  • The time taken for clearing an Axis Bank cheque is one working day.
  • Other bank cheques will be cleared within three to five working days.

Through Auto Debit of Axis Bank Credit Card Bill

  • You can use the auto debit facility to pay the minimum amount due or the total amount due through your Axis Bank current or savings account.
  • You can fill in the auto debit form and dispatch it to the credit card customer service address of Axis Bank to get registered for this service. The payments are completed on the same working day.

Through SMS

You can easily pay your amount due by sending an SMS from your registered mobile number.The payment will be credited to your card account. This payment mode can be availed for payments of Rs. 5,000 or below. The upper limit on the payment is Rs. 5,000 on a day.

Format for SMS:

Last six digits of your Axis Bank savings or current account space payment amount space last four digits of your credit card number

For example: 311143 1000 3535

The SMS should be sent to 5676782

Through ATM Payments

  • Axis Bank Credit Card Payments can be done at Axis Bank ATMs using Axis Bank debit cards
  • You can pay the minimum amount due or the total amount due at Axis Bank ATMs
  • The account that has been connected to the Axis Bank ATM card will be debited with the payment amount.
  • The clearance for ATM transactions takes place on the same working day.

Through Neft At Axis Bank Branch

You can go to the nearest Axis Bank branch and use the NEFT details mentioned above to make your Axis Bank credit card outstanding bill payment.

Axis Bank Credit Card Bill Payment For Non Axis Bank Account Holders

National Electronic Funds Transfer (NEFT)

Step 1: Log into the net banking facility of your non Axis Bank Account and select the NEFT option.

Step 2: Enter the beneficiary details such as Name, Bank Name, Branch Name, Credit Card Number, and IFSC Code. Make the payment, and the payment will be cleared in 1 working day.

VISA Money Transfer (VMT)

You can make a payment via this option using the net banking facility and visa debit card of your non Axis Bank account. The payment using this option is cleared in 2 working days. You can contact the bank with which you hold an account to know more about this option.

Other Bank’s Internet Banking

You could make your Axis Bank credit card bill payment using your internet banking facility of your non axis bank account. The money paid using this option is credited to your Axis Bank Credit Card in 3 working days.

Non Axis Bank Cheque

You can pay your Axis Bank Credit Card Bill using the cheque of your other bank. The payment through cheque is cleared in 3-5 working days


Step 1: Begin to make an UPI payment through any UPI app.

Step 2: Add the UPI ID pertaining to the Axis Bank Credit Card bill payment

Step 3: Cross check the name and then input the amount you want to pay

Step 4: Make the payment by using the UPI PIN


Users can register their credit card with netbanking and then start using RTGS to make the bill payment. For registration, you have to add the required details like name, bank name, branch name, account number and IFSC code.

Credit card bill amounts of more than Rs. 2 Lakhs can be paid using RTGS. Here are the steps to make the payment using RTGS

Step 1: Log in to your net banking portal using your login credentials

Step 2: Choose RTGS under ‘funds transfer’

Step 3: Choose the credit card whose bill you want to pay from the list of beneficiaries

Step 4: Verify the details and make the payment confirmation


The ECS method can be used to pay your minimum amount, bill amount, or even the fixed amount at the end of the month using ECS. You can use this facility by contacting your bank and submitting a form with the required details. Using ECS, you can create a standing instruction to debit your non-Axis Bank account for payments towards your Axis Bank Credit Card bill.

Time Taken To Process The Axis Bank Credit Card Bill

The payment processing time for the Axis Bank credit card bill payment is based on the method chosen.

  • Online Payment: The payment will be processed instantly if you pay your Axis Bank credit card bill online through the bank’s website or mobile app
  • Auto Debit: The payment will be deducted on the due date from your bank account on the due date if you have set up the auto debit facility
  • Payment at branches: The payment will be made instantly if you do it at an Axis Bank branch.
  • Payment through cheques: Once the bank clears the cheque, the payment will be done. This may take a few days.


Axis Bank has in place various options to make the bill payment. Users can choose any option convenient to them.

FAQs Of Axis Bank Credit Card Bill Payment

1. How can I add my Axis Bank Credit Card to PhonePe?

Open the PhonePe app on your smartphone.Head to ‘All Payments Instruments’ under the ‘Payment Instruments’ section. Click ‘Add New’. Add your unique verification number, credit card number, validity, and other relevant details.

2. What does unbilled amount denote in Axis Credit Card?

The unbilled amount on your credit card is the sum total of the amount from all the transactions that you have after the statement has been generated.

3. Are credit card payments done using Axis Bank net banking service secure?

Yes, Axis Bank transactions are done on secure platforms using 128-bit SSL encryption.

4. Does Axis Bank impose any charges for online credit card payments?

No, the online services offered by Axis Bank are completely free of cost.

5. Will a customer get any notification after a credit card payment has been paid?

Yes, Axis Bank customers will get an email on their registered IDs to confirm the credit card bill payment.

6. Should any documents have to be submitted while opting for the Electronic Clearing Service?

No, customers do not have to submit any documents while opting for the Electronic Clearing Service.

7. Does Axis Bank levy any charges for Visa Money transfers?

Yes, a fee of Rs. 25 will be charged for every Visa Money transaction by Axis Bank.

Axis Bank Credit Card Bill Payment - Customer Reviews

4 / 5 (28 Reviews)
19 May 2020

Usefulness of information,Credit Report Analysis,Website/app interface,Good information

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