Got a new Axis Bank credit card? Congratulations! But to start enjoying its benefits—like cashback, lounge access, or reward points—you must activate it first. In this comprehensive 3000-word guide, we’ll explore all the methods for Axis Bank credit card activation in 2026.
From using the Axis Mobile app to activating your card via ATM or net banking, every method is explained in detail with easy-to-follow steps. This SEO-optimized article is designed to help you get started smoothly, whether you’re tech-savvy or prefer traditional methods.
Why Activation Is Important
Activating your credit card ensures:
- Secure usage
- Compliance with RBI rules
- Enablement of online, international, and POS transactions
- Access to card-linked services like EMI conversion, EDGE rewards, etc.
Until activated, your card may not work for any transactions—even after receiving it physically.
Activation Options Available in 2026
Axis Bank allows multiple options for activating your credit card:
- Axis Mobile App (Most preferred and quickest)
- Axis NetBanking Portal
- Axis Bank ATM
- Customer Care Support
- SMS-Based Activation
Each method is secure and available round the clock.
Axis Bank Credit Card Activation via Mobile App
- Download and install Axis Mobile App from Google Play Store or Apple App Store
- Login with your registered mobile number and MPIN
- Navigate to the ‘Credit Cards’ section
- Select the newly issued card
- Tap on ‘Activate Card’
- Set a new 4-digit or 6-digit PIN
- Confirm using OTP received on your mobile number
Benefits
- Quickest method
- Allows you to set/change your PIN instantly
- Offers additional options like enabling/disabling international use
Activation via Net Banking
How to Activate Your Credit Card Online:
- Visit Axis Bank NetBanking
- Login using Customer ID and password
- Click on ‘Credit Cards’
- Select the new card shown under ‘Inactive Cards’
- Choose ‘Activate Card’
- Set your desired PIN
- Authenticate via OTP
Pro Tip: Ensure your mobile number is registered with Axis Bank to receive OTP.
Activation via ATM
- Visit any Axis Bank ATM
- Insert your new credit card
- Choose ‘Set PIN/Activate Card’ from the menu
- Enter your registered mobile number
- Enter OTP received via SMS
- Set your PIN
Note: Some ATMs may require you to swipe your debit card for verification.
Activation via Customer Care
- Dial 1860-419-5555 or 1860-500-5555
- Verify your identity (DOB, card number, etc.)
- Request for card activation
An executive will guide you through the activation process.
Activation through SMS SMS Format
ACT <space> Last 4 Digits of Credit Card <space> Date of Birth (DDMMYYYY)
Send to: 5676782 from registered mobile number.
Example:
ACT 1234 15011990
You will receive a confirmation SMS once your card is activated
How to Set Credit Card PIN
Post activation, setting a secure PIN is mandatory:
Ways to Set Your PIN:
- Axis Mobile App: Tap ‘Set/Reset PIN’ under Credit Card options
- NetBanking: Navigate to Credit Cards > PIN Management
- ATM: Use ‘Set New PIN’ option after OTP verification
Tips for Creating a Strong PIN:
- Avoid using birthdates or repeated digits
- Change your PIN regularly
- Never share it with anyone
Tips to Secure Your Card Post-Activation
- Enable transaction alerts via SMS/email
- Turn off international usage if not needed
- Use virtual card details for online transactions
- Monitor your credit card statement monthly
- Register for 3D Secure OTP authentication for added protection
Common Activation Issues
Issue 1: Not Receiving OTP
- Check mobile network
- Ensure mobile number is registered with Axis Bank
Issue 2: Activation Option Not Showing
- Try updating Axis Mobile App
- Contact customer support
Issue 3: Unable to Set PIN
- Use ATM or call customer care for manual setup
FAQs on Axis Credit Card Activation
Q1. Can I use my card without activation?
No. Transactions are blocked until activation and PIN setup are completed.
Q2. Can I activate my card internationally?
Yes, but first enable international usage from app or net banking.
Q3. How long does activation take?
Instant, once completed via any method listed.
Q4. What to do if activation fails?
Contact Axis customer care or visit the nearest branch.
Q5. Is there a charge for activation?
No. All activation methods are free of cost.
Activating your Axis Bank credit card is the gateway to unlocking its full potential. Whether you prefer digital banking or the ATM route, Axis Bank offers a secure and quick way to get started. Once activated, make sure you set a strong PIN and enable necessary alerts to secure your card against fraud.
Remember: A credit card is a powerful tool when used responsibly. Activating it the right way sets the foundation for a safe and rewarding financial journey.
Ready to enjoy the benefits of your Axis Bank credit card? Activate it today and get started!