Axis Bank Credit Card Payment - How to Pay Axis Bank Credit Card Bill?

By Rucha Khedkar

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Updated on: Mar 26th, 2025

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7 min read

Timely credit card payments are essential to avoid hefty late fees and maintain a healthy credit score. Axis Bank imposes late payment charges based on the total amount due. Understanding these charges can help you plan your payments better and avoid unnecessary penalties. Read ahead to learn about the different Axis Bank credit card payment methods so that you can complete the task without any hassle. 

What are the Modes of Axis Bank Credit Card Bill Payment?

Axis Bank offers you various flexible methods to pay off your credit card dues. These include the following:

Online Methods

  • Internet Banking
  • NEFT
  • Mobile Banking
  • IMPS
  • Bill Desk
  • UPI Payments App

Offline Methods

  • Cheque/draft
  • Cash payment

How to Make an Axis Bank Credit Card Payment Online?

The Axis Bank allows you to pay your credit card payment online in multiple ways. These include:

Internet Banking

Listed below are the steps that you need to follow to pay your credit card bill via Internet Banking:

  • Log in to your Axis Internet Banking account using your credentials. 
  • Move to the ‘Credit Cards’ section and select the credit card option. 
  • Click on the ‘Pay Now’ button and select the account to be debited.
  • Enter the amount you want to pay and click the ‘Proceed’ button. 
  • Once done, the credit card dues are paid off for the designated period. 

Mobile Banking

The steps to pay off your credit card bill via Axis Bank Mobile Banking are as follows:

  • Navigate to the Axis Bank mobile banking portal and log in with your credentials.
  • Move to the account section and select your credit card number.
  • Download the Axis Bank app using the link received on the SMS.
  • Log in to the app and go to the Credit Card section. 
  • Select the credit card and click on the ‘Pay Now’ button. 
  • Choose the account from which you want the money to be debited.
  • Enter the amount you need to pay and click the ‘Proceed’ button. 
  • Your credit card dues will be paid off as soon as it is done. 

Through NEFT

Here are the steps that you will have to follow to pay your credit card bill through NEFT:

  • Navigate to the official Net Banking portal of Axis Bank.
  • Log in to your account using your credentials.
  • Go to the NEFT section and enter the required details.
  • Enter your 16-digit credit card number as the beneficiary account number.
  • Once done, make the payments to pay off your credit card dues. 

Through Payments App

You can follow the steps mentioned below to complete your payment through various payment apps such as PhonePe and so on: 

  • Open your preferred payments app and log in using your credentials.
  • Move to the credit card bill payment section and move to ‘Recharge & Pay Bills’.
  • After that, enter your credit card number accurately and click ‘Confirm.’
  • Lastly, check the due amount and proceed to make the payments. 
  • After this, you have cleared off all the due amounts on your credit card. 

Via UPI

The steps that you need to follow for the payments of your credit card dues are as follows:

  • Open your preferred UPI app and type in your credentials.
  • Enter your Axis Bank Credit Card bill payment UPI ID.
  • Cross-check the details and enter the amount that you have to pay.
  • Enter your UPI PIN to complete the financial transactions.
  • After that, your credit card dues will be paid off. 

Using IMPS

Following are the steps to pay off your credit card dues using IMPS

  • Open your mobile banking or Internet banking portal.
  • Log in to the portal using your credentials.
  • Navigate to the fund transfer tab for the portal.
  • Choose the IMPS funds transfer option.
  • Add your Axis Bank credit card in the place of the beneficiary. 
  • Enter the amount and proceed to complete the payments.
  • If you are uncomfortable with online methods, you can also pay off your credit card bill offline. 

Through Auto Debit

To ensure that you pay off your dues on time, activate auto payment on your credit card. To do this, visit the bank and talk to the authorities. 

How to Make an Axis Bank Credit Card Payment Offline?

Similar to the online method, there are multiple methods to pay off the credit card bill offline:

By Cash

You can visit the bank in person and pay off all your Axis Bank credit card dues in cash. However, you will have to pay ₹100 as a service fee. 

By Cheque 

To pay your credit card bill, prepare the cheque in the name of ‘Axis Bank Credit Card number’. Next, submit the check to the bank to pay off the dues.

Axis Bank Credit Card Payment Bill Desk

To make the Axis Bank credit card bill payment bill-desk, you can follow the steps below:

  • Move to the Axis Bank Credit Card Payment page.
  • Enter your 16-digit credit card number and the amount to be paid.
  • Choose the bank account from which you want to make the payment.
  • Confirm the payment by entering the authentication code. 
  • Once you complete these steps, your credit card bill payment will be processed. 

How to Pay an Axis Bank Credit Card Bill from Another Credit Card?

You can use a cash advance or balance transfer option to pay off your credit card bill through another credit card.

Cash Advance

You can withdraw some cash using the cash advance options within your bank's limit. However, this method can incur significantly high additional costs. 

Balance Transfer

Balance transfer of your one credit card to the other helps you consolidate your debt. This way, you can easily streamline your credit card bill payment. 

Axis Bank Credit Card Payment through Debit Card 

To pay off your credit card dues via your debit card, you can follow the steps mentioned below:

  • Visit your nearest ATM with your debit card.  
  • Insert your card into the ATM and choose the ‘Other Services’ option.
  • Select ‘Bill Payment’ from the available options and enter your credit card number twice for verification.
  • Once done, the screen displays ‘Minimum Amount Due’ and ‘Total Due Amount.’ Choose which one you want and input the details as applicable. 
  • Authorise and process the payment to pay off your credit card dues. 

Axis Bank Credit Card Payment Status

There are two ways in which you can check your Axis Bank credit card payment status:

Internet Banking

You can check the status of your credit card payments by following the steps below:

  • Log in to your Axis Bank Internet banking portal using your credentials. 
  • Move to the ‘My Credit Cards’ page and locate the ‘Pay Bill’ section.
  • Move to the ‘Unbilled Transaction’ section of the portal. 
  • Check the ‘View payment under listed transactions’ 
  • By doing so, you can instantly view the status of your credit card bill payment. 

Mobile Banking

To view the Axis Bank credit card bill payment status using the mobile banking app, you can follow the steps below:

  • Log in to the mobile app for Axis Bank using your credentials. 
  • Move to the Credit Card section and select the card.
  • Under the ‘Credit Card’ option, check the due amount. 
  • Once done, you can check the last time you have paid your credit card bill. 

Axis Bank Credit Card Late Payment Charges

The Axis Bank credit card late payment charges are as follows:

Total Amount Due

Charges ()

Less than 100

0

Between 101 and 300

0

Between 301 and 500

100

Between 501 and 1,000

500

Between 1,001 and 5,000

750

Between 5,001 and 10,000

750

Between 10,001 and 25,000

950

Between 25,001 and 50,000

1,000

Greater than 50,000

1,200

Payment Processing Time for Axis Bank Credit Card Payment Methods

The following table represents the Axis Bank credit card payment processing time for various methods:

Payment Method

Processing Time

Internet Banking

Same day

Cheque/draft

For Axis Bank cheques – 1 working day

Other bank cheques – 3 to 5 working days

NEFT

1 working day

Mobile Banking

Same day

Bill Desk

3 working days

Cash payment

Same day

IMPS

Same day

Auto Debit

Same day

SMS payment

Same day

Payments App

3 working days

ATM payment

Same day

Being aware of Axis Bank's late payment charges helps you manage your credit card bills efficiently and avoid unnecessary penalties. To maintain a good credit score and financial health, always aim to pay your dues on time. Consider setting up autopay or reminders to ensure timely payments and avoid late fees.

Similar Articles:
1. HDFC Credit Card Payment
2. SBI Credit Card Payment

Axis Bank Related Articles:
1. Axis Bank Salary Account
2. How To Block Axis Bank Credit Card?
3. Axis Bank Home Loan Statement
4. Axis Bank KYC Update
5. Axis Bank Timings

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Frequently Asked Questions

How can I autopay my Axis Bank credit card bill?

You can set up autopay via Axis Bank’s internet banking or by submitting a physical mandate form at the branch.
 

How long does it take to pay Axis Bank's credit card bill?

Payments made via Axis Bank channels (net banking, UPI, or mobile app) are usually processed instantly, while NEFT/IMPS may take a few hours.

Can we pay using the Axis Bank card app?

Yes, you can pay your credit card bill using the Axis Bank mobile banking app.

How can I check my Axis Bank credit card bill or statement online?

You can check your credit card bill via Axis Bank’s internet banking, mobile banking app, or by subscribing to e-statements.

Can I pay my Axis Bank Credit Card bills using any debit card?

Yes, you can use any bank’s debit card to pay via BillDesk or Axis Bank’s online payment portal.

How can I make my Axis Bank Credit Card outstanding payment using my Debit Card?

You can use your debit card on the Axis Bank website, BillDesk, or visit an ATM (if supported) to pay your outstanding amount.

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