Timely payment of credit card bills is crucial to maintain your credit score, avoid late fees, and enjoy uninterrupted services. Axis Bank, one of India’s leading private sector banks, offers multiple convenient ways to pay your credit card bills. Whether you’re a tech-savvy user or prefer traditional banking methods, you’ll find a suitable solution in this comprehensive guide.
we explore every possible method to pay your Axis Bank credit card bill in 2026. You’ll also learn about due dates, payment confirmation, tips to avoid interest charges, and more.
Importance of Paying Your Credit Card Bill on Time
Paying your Axis Bank credit card bill on time helps you:
- Maintain a healthy credit score
- Avoid hefty late payment charges
- Save on high-interest rates (up to 42% p.a.)
- Unlock eligibility for credit limit enhancements and offers
Card Bill Payment Methods Axis Bank Credit
Let’s look at the top ways to pay your bill:
Axis Mobile App
Quickest and most convenient for Axis customers.
Internet Banking
Ideal for those who prefer desktop banking.
UPI
Pay using apps like PhonePe, Google Pay, or BHIM.
NEFT/IMPS
Use this to pay from non-Axis accounts.
Auto-Debit Facility
Automatically debits your savings account every month.
BillDesk
Third-party aggregator offering safe bill payments.
ATM
Use any Axis Bank ATM to pay via your debit card.
Cash/Cheque at Branch
Traditional methods for non-digital users.
Step-by-Step Guide for Each Payment Mode
Axis Mobile App
- Login to Axis Mobile
- Tap ‘Credit Cards’ > Select your card
- Click ‘Pay Now’
- Choose account & amount (Minimum/Total)
- Confirm with MPIN
Internet Banking
- Login to Axis NetBanking
- Go to ‘Credit Cards’ > ‘Payments’
- Enter amount
- Authenticate with OTP
UPI
- Open any UPI app
- Enter UPI ID: CC.AXIS@axisbank
- Enter card number in remarks
- Enter amount & pay
NEFT/IMPS
- Add Axis Credit Card as beneficiary
- IFSC: UTIB0000400
- Account Number: Your 16-digit credit card number
- Enter amount & confirm
BillDesk
- Visit Axis BillDesk Page
- Enter card details, amount, and bank
Pay via net banking or debit card
ATM
- Insert your debit card at Axis ATM
- Choose ‘Other Services’ > ‘Credit Card Bill Payment’
Enter credit card number & amount
Branch Visit
- Carry your card, ID proof
- Fill deposit slip for cheque or cash
How to Set Up Auto-Pay for Axis Credit Cards
Via NetBanking:
- Login and go to ‘Auto Debit Setup’
- Select credit card and savings account
- Choose minimum amount due or total outstanding
- Confirm
Auto-pay is triggered 3 days before the due date.
How to Check Payment Status
Via Mobile App:
- Go to Credit Card > Recent Transactions
Via NetBanking:
- Payment Received’ under credit card summary
You can also get SMS/email confirmation post payment.
When Will the Payment Reflect?
Payment Mode | Processing Time |
Axis Mobile/NetBanking | Instant or within 1 hour |
UPI | Instant |
NEFT/IMPS | Within 30 mins to 3 hours |
BillDesk | 1 working day |
ATM | Instant |
Cash/Cheque | 1-3 working days |
Late Payment Charges and Interest
Outstanding Amount | Late Fee (₹) |
0 – 500 | Nil |
501 – 5,000 | ₹500 |
5,001 – 10,000 | ₹750 |
>10,000 | ₹1200 |
Interest ChaAZrges: Ranges from 36% to 42% per annum if full payment is not made.
Tips to Avoid Missed Payments
- Set up reminders on your phone
- Enable SMS/email alerts from Axis Bank
- Use auto-debit feature
- Keep sufficient balance in your account before due date
How to Pay from Another Bank Account
Use NEFT:
- Beneficiary: Your 16-digit Axis Credit Card number
- IFSC: UTIB0000400
Use BillDesk:
- Choose your bank and authenticate via OTP
Axis Bank Bill Payment via Amazon Pay and Paytm
Amazon Pay:
- Open Amazon app > ‘Credit Card Bill’
- Choose Axis > Enter details > Pay
Paytm:
- Go to ‘Recharge & Pay Bills’ > Credit Card
- Enter Axis Bank card details
- Pay via wallet/UPI/net banking
Some platforms offer cashback or rewards for using their service
FAQs on Axis Bank Credit Card Bill Payments
1.Can I pay my bill in advance?
Yes, you can prepay at any time without penalties.
2.What if I miss the due date?
Late fees and interest will be charged. It may affect your credit score.
3.How do I get a payment receipt?
Check SMS/email, or download from Axis Mobile or NetBanking.
4.Can I split my bill into EMIs?
Yes, Axis offers EMI conversion post-purchase.
Paying your Axis Bank credit card bill on time and through the right method ensures hassle-free credit usage. Whether you prefer UPI, mobile app, or classic NEFT, Axis Bank provides a convenient solution for every customer. With the addition of auto-pay and third-party platforms like Paytm, managing bills is easier than ever.
Avoid interest charges, protect your credit score, and enjoy uninterrupted credit card benefits by following this ultimate guide.
Explore More
- [Axis Bank EDGE Rewards Guide]
- [How to Check Axis Credit Card Status]
- [Top Axis Credit Cards for Lounge Access 2026]
Stay financially smart—make your credit card payments a priority every month!