Credit Card Services - Useful Links

Pay your credit card bills

Download Credit Card Statement

Click here to download your Credit Card statement.

Axis Bank Internet Banking

Pay your Credit Card bills online through Axis Bank Internet Banking from your Axis Bank Savings account.

All you have to do is:

  • Log on to Axis Bank Internet Banking
  • Go to Credit Card section
  • Select the Credit Card for which payment needs to be done
  • Click on “Pay Now”
  • Select the Account to be debited
  • Enter Amount you wish to pay/li>
  • Click on Proceed to make the payment
Axis Bank Mobile Banking

SMS MBANK to 5676782 to receive the download link

Steps for Mobile Payments

  • Login to Axis Bank Mobile App
  • Go to the Credit Cards tab
  • Select the Credit Card for which bill payment has to be done
  • Click on the “Pay Now” button
  • Select amount to be paid.
  • Click “Pay Now” and proceed.
Pay at ATMs

Now pay your Credit Card bills using your Axis Bank ATM/Debit card at any Axis Bank ATM

  • Insert your Axis Bank ATM/Debit card at any Axis Bank ATM
  • Select Other Services Option
  • Select Bill Payment option within other services
  • Enter your Credit Card number twice
  • Once your card has been validated, you will see the Total Amount Due and Minimum Amount Due on the ATM screen
  • Enter the amount you want to pay
  • The a/c linked to the ATM Card will get debited & the equivalent amount will be credited into the Customer's Credit card a/c

TAT for clearance: Same day

Auto Debit

You can apply for the Auto Debit Facility for the total amount due or the minimum amount due from your Axis Bank Savings or Current account every month. You can set up auto debit via mobile app.

  • Login to Axis Bank Mobile Application
  • Go to Services > Credit Card > Auto Debit Payment
  • Select the credit card for which you want to set up Auto Debit
  • Enable Auto Debit
  • Login to Axis Bank Internet Banking
  • Go to Services > Credit Card Services
  • Select the credit card for which you want to set up Auto Debit
  • Select More Services > Auto Debit Setup > Activate
Non-Axis Bank Account

You can pay your Axis Bank credit card bills via billdesk website. Click here to pay Bill.

Cash/Cheque Payment

a. Cash Payment


Visit your nearest Axis Bank Branch* to make your Credit Card bill payment by cash.

* Service fees of Rs 100 per payment will be charged for cash payment of your Credit Card bills at Axis Bank Branch

TAT for clearance: Same day


b. Cheque/Draft


Choose the amount you would like to pay and simply draw the cheque/draft in favour of "Axis Bank Card No. (16-digit Credit Card Number)" and drop the cheque at any Axis Bank Branch. In Mumbai, you can also drop cheques in any of the MINC bill boxes

Please ensure that:

  • The cheque is dropped in at least 5 days before your due date.
  • The cheque is drawn on a local bank.
  • The cheque is not post-dated.

TAT for clearance of Axis Bank cheque: 1 working day

TAT for clearance of other bank cheque: 3-5 working days based on realization

NEFT/IMPS/VMT

a. National Automated Clearing House (NACH)

With the NEFT facility, you can pay your Credit Card bills online from any other bank account. All you need to do is:

  • Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
  • Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:
Beneficiary NameName as on Credit Card
Beneficiary Bank NameAxis Bank
Beneficiary Branch NameMumbai
Beneficiary Account NumberYour 16 digit Credit Card number
IFSC CodeUTIB0000400

TAT for NEFT clearance- 1 working day


b. IMPS(Immediate Payment Service)


With IMPS, you can pay your credit card bills on the go, through your bank’s mobile application.


Steps for IMPS usage:

  • Download and log in to your mobile banking application.
  • Post login - In transfer feature enter the details as given below in IMPS Payment Option
    • Merchant Details (P2M)
    • Mobile No. 9619919900 (Unique and dedicated No. to be used for Axis Bank Credit Card payment)
    • MMID-9211400 (Unique and dedicated MMID No.)
    • Payment Amount
    • Payment Reference - 16 Digit Axis Bank Credit Card No.

    For a list of all participating banks, please visit https://www.npci.org.in/bank-details

    TAT for clearance: Same day

c.Visa Money Transfer


You can also make your payment using Visa Money Transfer, which lets you use your Net Banking facility or your Visa Debit Card to make your payment. Contact your bank's Customer Service to know more about how you can use this service TAT for VMT clearance- 2 working day

Pay by UPI

Steps to make Axis Bank Credit Card bill payments via UPI

  • Initiate a UPI payment from any UPI app
  • Enter your Axis Bank Credit Card bill payment UPI ID
  • Verify your name and manually enter the bill amount
  • Complete the transaction using your UPI PIN

Your Axis Bank Credit Card bill payment UPI ID is:

cc.91<Your 10 digit registered mobile number ><Last 4 digits of your Credit Card>@axisbank

eg: If your mobile number is “9812345678” and last 4 digits of your credit card is “1111”, then your UPI ID is “cc.9198123456781111@axisbank”

Credit Limit Increase

The maximum limit up to which the card can be used for PURCHASES is known as the credit limit. Based on a customer’s spending pattern and risk behavior, CLI is offered.

Features
  • Larger Purchases
  • Greater Spending Power
  • No additional charge for availing the service
Eligibility
  • Axis bank regularly identifies credit cardholders for a Pre-approved Credit Limit Increase offer basis internal risk policy.
  • Eligible cardholders will receive an increased Limit offer on their registered Mobile Number via SMS/Mobile Push and also through Email & ATM
  • Eligible cardholders can avail this offer without any additional documentation requirement.
How to Avail the Credit Limit Increase Offer

Following are the channels which are available to check whether you are eligible for Credit Limit increase on your card:

SMS

SMS CLE XXXX (last 4 digits of your card number) to 5676782 from your registered mobile number.

Mobile APP:

There are two ways to check whether you are eligible for a Credit Limit Increase on your Credit Card through the Mobile APP as mentioned below:

  • Login to the mobile APP -> Select “Credit Cards” -> Select “Your Credit Card” -> Click on “Total Controls” -> Select “Check for Limit Increase”
  • Login to Mobile Banking -> Go to “Services & Support” -> Select “Credit Cards: Limit Increase”

Website:

  • Login to www.axisbank.com
  • Click on Accounts -> My Credit Cards -> Check for Limit Enhancement

Phone Banking Centre:

Call us on our Toll Free Number: 18604195555/18605005555

Credit Limit Increase with Income documentation

If you wish to enhance your credit limit or like to increase your limit beyond the eligible limit offered by Axis Bank. 

Login to MB/IB:

MB Path - Log in to MB -> Select “Services & Support” -> Select “Credit Card Limit: Limit Increase” -> Click on "Apply Now" to upload documents in case you are ineligible for a limit enhancement

IB Path - Log in to IB -> My Accounts” -> Select “My Credit Cards” -> Select “Limit Enhancement” -> Click on "Apply Now" to upload documents in case you are ineligible for a limit enhancement

Axis Bank Phone Banking Centre:

Call us on Axis Bank Toll Free number at 18604195555/18605005555 and check with our customer care executive regarding your eligibility for a credit limit increase, basis income documents.

The following income documents are accepted:

(A) Salaried

1) In case of salary credit in Axis Bank, Axis Bank Salary Account Number

2) In case of Non Salary credit in Axis Bank, last 2 months salary credit along with 3 months Bank statement stating salary credit.

3) Last 2 years: Form 16

(B) Self Employed

1) In case of electronically filed ITR - Latest Financial Year ITR along with computation of total income. (Preferably last 2 years ITR.)

2) In case of manual ITR - Latest Financial Year ,  ITR along with P& L and Balance sheet (Preferably last 2 years ITR ).

Post receipt and review of the income documents, the request for credit limit increase will be fulfilled in accordance with the internal Risk Policy of Axis Bank.

Terms & Conditions
  • Credit limit increase is at the sole discretion of the Bank.
  • The customer would not be charged to increase Credit Limit.(Zero Processing Charges)
  • The Bank would run additional internal real time checks on your credit card before processing the credit limit increase.
  • Your request for increasing the credit limit if you are eligible would be processed within 1-2 working days. For further limit increase, basis documents shared, if approved, the request should be processed within 3-4 working days.
  • This is a limited period offer; any instruction received post the offer validity date would not be processed.
  • In case of SMS, Axis Bank will be able to process your instruction only if it is received from the mobile number registered with us.
  • Once the request is given, an SMS will be triggered to you regarding the request being processed.

Instant Loan

Now fulfill all your immediate cash needs using "Instant Loan", a quick and easy loan offered against your Axis Bank credit card.

Features
  • Nil Document Requirement
  • Immediate disbursement/minimized TAT
    Download Credit Card Limit Enhancement Form
  • Direct transfer to Savings Account
    Download Add-on Card Form
  • Attractive rates of Interest
    Download the Charge Dispute Form
  • Multiple tenor options available to suit your payment budget
    Download Platinum Upgrade Form
Eligibility

Eligibility is defined by Axis Bank internal policy guidelines. It is a time-bound eligibility criterion; customers would be eligible for a specific offer for a specific period of time. You can contact us directly on the below-mentioned coordinates to check for your eligibility and loan amount.

How to Avail
  • Give a Missed Call on 18004190230
  • Call Axis Bank at 18605005555/18604195555
  • Apply via Internet Banking
    • Go to Account & My Credit Cards & Click on Instant Loan
Modes of Disbursal
  • Direct transfer to your Axis Bank SB a/c
Fees and Charges
  • A one-time Processing Fee of 2% of loan amount or Rs.500 whichever is higher will be applicable
  • EMIs will be calculated at an Interest rate specified on call and on a monthly reducing balance
    In case of foreclosure, a foreclosure fee of 3% of principal outstanding at the time of foreclosure or Rs 300 whichever is higher will be levied to the customer along with service tax
  • The Rate of Interest is arrived by the Bank after taking into account various factors. The rate of interest will be between 12.60% to 22.20% per annum on reducing balance.
Calculator
Terms and Conditions

Credit Card E-Statements

E-Statements are electronic copies of your monthly credit card account statements that get delivered to your registered E-mail id. As a part of our Go-Green initiative we encourage our customers to opt for E-Statements.

Why should you opt for E-Statements?
  • Save the Environment: E-Statements help to reduce the carbon footprint or the direct effect your actions may have on the environment due to carbon dioxide emissions. E-statements do not require any paper, any postage stamp or an envelope
  • Wait no more: E-Statements are quicker. You get the statement on the same day, in your mailboxx
  • Clear the clutter – No hassle of keeping your physical copy for future references, you just go to your mail box and access it from there.
  • Stay protected: Against mail fraud and identity theft. The password protected E-Statement are secure
Don’t have your Email ID registered yet?
  • You can get your Email id registered by calling our phone banking toll-free numbers 1860-419-5555, 1860-500-5555.
How to switch to E-Statements?
  • Through Axis Bank Mobile Application -> Credit Cards -> Select the Credit Card -> Total Controls->E-statement Activation -> Select Credit Card->Continue
  • Through Phone banking – Simply call our Phone Banking Centre’s toll-free numbers 1860-419-5555, 1860-500-5555
If you still wish to continue with Physical Statements?
  • Although we would love you to go digital, but if you would still like to have your physical statements, call our Phone banking Centre 1860-419-5555, 1860-500-5555
Terms and Conditions
  • The E statement provided is an optional facility provided to the Credit Card Holders and not a compulsion by the Bank for availing such a facility.
  • On agreeing to subscribe through the e-statement, Credit Card Holder(s) agree to be bound by all the Terms and Conditions that may be specified by the Bank at the time availing such facility and such other conditions as specified by the Bank from time to time.
  • On agreeing to avail the facility of e-statement, Account Credit Card Holder(s) agree, and understand that the Bank shall discontinue the physical statements being sent to the Credit Card Holders
  • Axis Bank shall not be liable or responsible for any breach of secrecy caused as a result of the e-statements being sent to the registered email with the Bank.
  • Axis Bank is not liable to verify any authenticity of the emails.

More Services

You can Set/Reset your Pin, Auto Debit Payment, Check for Limit Increase, Block & Replace Card, Activate E-statement through Axis Mobile and Internet Banking

Bill Pay

Tired of keeping a track of multiple bills and multiple due dates?

With Axis Bank Visa Bill Pay, you can initiate a simple Standing Instruction on your Credit Card to ensure that your utility bills like Telephone / Mobile / Electricity / Gas/Insurance premium bills are paid on time every month. We currently provide more than 90 billers as part of the service. In addition to this, you can also enjoy a credit free period and Reward Points*.

Benefits

  • Avoid long queues: You don’t need to wait in queues, fear disconnection of utility services or get charged for late payment of bill.
  • Charges: There are no transaction or registration charges for life time.
  • No documentation: There are not documents required, just follow the below given steps to register yourself for this service.
  • Alerts: Get instant alerts on Registration/Bill Due/Bill Payment/Bill Payment Failure/De-registration of biller on your registered mobile phone.
  • Tracking your payments: Your Credit Card statement will have a mention of all bills paid using your card.

Registration process:

Step 1: Call up the customer service 1860 419 5555 & 1860 500 5555.

Step 2: Provide your Card Number, Email ID, Mobile number

Step 3: Provide the Biller details such as Customer/Account/Relationship/Policy Number for which you want to avail the service.

On successful registration, a confirmation will be sent on your registered Mobile and Email.

Downloads

Balance on EMI

EMI Facility

Axis Bank now brings to you the convenience to use your credit card with no immediate tension of payment. Now stop worrying about the large purchase you did using your card. Simply convert your outstanding balance on quick and easy EMIs from Axis Bank. You will have an option to choose from a set of tenors so that the monthly instalment amount is not a big burden for you to pay.

Pay in Parts: Now you don't need to pay back the entire statement amount upfront. Just enjoy the convenience of paying back in easy Balance EMI.

Reduced interest rate: By availing Balance on EMI you can enjoy a lower interest rate than the revolving interest rate you would normally pay on your Credit Card. Now convert your Balance into EMI starting at just a nominal 1.0% or 1.08% or 1.25% or 1.5% or 2 % (basis the offer) p.m. at monthly reducing balance.

Tenor Options: Axis Bank empowers you to decide the amount you pay every month suited to your pocket. You can select from a range of EMI options available for your profile for easiness of payment.

Now calculate your EMI by Clicking here

Process of Converting your Balance into EMI

Convert your Statement Balance into EMI within 15 days of your current Statement-ed Date (or 5 days before the current Statement Payment Due Date) by calling Axis bank at 1860 419 5555 & 1860 500 5555.

  • EMIs are calculated at an interest rate of 1.0% or 1.08% or 1.25% or 1.5% or 2 % (basis the offer) per month on monthly reducing balance.
  • Multiple Tenor Options available which will be informed to you in the call
  • The EMIs will be charged to the Credit Card account, to make repayment convenient for you.
  • A one-time Processing fee of 1.5% or Rs. 250 whichever is higher will be charged to your Credit Card account on the date of conversion.
Terms and Conditions

The “Balance on EMI Program” is applicable to valid Axis Bank’s (hereinafter referred to as “Bank”) credit card issued in India and having Eligible Amounts of Rs. 5000/- or above. The Eligible Amount is computed based on the customer’s Current Statement Outstanding minus the Minimum Amount Due.

  • The EMI facility under “Balance on EMI Program” is not available on Corporate Cards and also on card which is delinquent at the time of conversion of outstanding balance into EMI under the “Balance on EMI program”.
  • The “Balance on EMI program” is not available in respect of i) Existing outstanding balances from transactions already converted into EMI, ii) Jewellery transaction related balances and iii) Balances carried from balance transfer program.
  • The Request for conversion of outstanding balance into Equated Monthly Instalment (EMI) for certain tenor under the “Balance on EMI program” will be processed only if, the Card-holder voluntarily opts for the same within 15 days from his current credit card statement date.
  • After processing Card-holder’s request, the EMI amount under the “Balance on EMI Program” will be billed to the Card-holder’s credit card account every month on the same date as the first instalment date.
  • The EMI amount will be included in calculation of ‘Minimum Amount Due’ and is payable by the Card-holder on Payment Due Date.
  • The Bank may at its sole discretion accept or reject the EMI conversion request without assigning any reason whatsoever.
  • Card-holder is not permitted to close/ discontinue his/ her credit card during the agreed EMI tenor. In the event, Card-holder chooses to close / discontinue his/ her credit card prior to all instalments (EMIs) being charged, the amount outstanding against such EMIs will be charged/ debited to the Card-holder’s card account as one consolidated amount and regular interest rates applicable to credit card shall be charged to the Card-holder.
  • Pre-payment charges on foreclosure of the EMI facility granted under the “Balance on EMI Program” will apply at the rate of 3% on the Outstanding Principal Amount of the loan (EMI facility) or Rs. 300 whichever is higher
  • Bank reserves the right to foreclose the loan (EMI facility) and debit the entire outstanding amount to Card-holder’s credit card statement in full, if the Card-holder fails to pay two consecutive EMIs. And then Card-holder’s interest rate entitlement under the “Balance on EMI Program” will revert back to the applicable product level interest rate.
  • Any request made by Card-holder for change in the billing cycle in during EMI tenor/ loan period, shall not be entertained.
  • GST and other taxes, cess, etc. as mandated by the Govt. from time to time will be applicable on Processing Fee, Foreclosure fee and interest amount and will be billed in the same statement in which the above charges are levied.
  • Bank reserves its absolute right at any time without previous notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace, wholly or in part, this program/ scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether and the same shall be binding on the Card-holder at all times and the Card-holder shall abide by the same. If, this program/ scheme is withdrawn, those who have opted for this program/ scheme shall continue to avail the benefit to pay outstanding balance through EMIs in respect already approved conversion under this program/ scheme. The Card-holder opting to this program/ scheme shall not hold the Bank responsible or liable for any actions, claims, demands, losses, damages, costs, charges, and expenses that Card-holder may suffer, sustain or incur by way of or under this program/ scheme. The Card-holder shall also indemnify the Bank from any actions, claims, demands, losses, damages, costs, charges, and expenses which if, suffer, sustain or incur. All and any disputes arising from the EMI facility granted under the “Balance on EMI Program” shall be subject to the exclusive jurisdiction of the courts of Mumbai. All these terms and conditions including those mentioned on the Bank’s website shall be subject to applicable RBI guidelines issued from time to time and prevailing law and regulations.
  • The free look up period (processing fee waive off in case of cancellation) is 30 days from EMI booking date. No foreclosure charges will be levied if loan is cancelled within 30 days of booking and processing fees charged will be reversed.

eShop Card - Shop online even more securely

 

Making your online shopping more secure

Worried about revealing your credit card details on the Internet? Axis Bank presents the eShop Card. A virtual credit card that allows you to shop online securely without divulging your credit card details. All you need is your Axis Bank Credit Card and an Internet connection!

How? Just follow these simple steps to start secure online shopping.

Register Register once with your Axis Bank Credit Card details. Accept the terms and conditions and add personal details to get your unique login and password. To register

eShop! Now you are all set to shop online.

Please login or register below before you start shopping.

  • Customers with Axis Bank Platinum, Gold, Silver, Corporate (Platinum, Gold, Silver) and Trust Chemists Credit Cards can create eShop Cards.
  • The eShop Card can be used for online purchases only.
  • Do not reveal your eShop Card details for any transactions over mail/phone.
  • Never disclose your passwords to anyone, even to the Bank's staff. In case you get an email asking you to enter your personal security details or a Bank staff approaches you to disclose your password, please report to us. For any further information Click Here.
Benefits

Total security The card is a single use card, which can be used only for one transaction, after which its validity expires. Even if you do not use the card, it automatically expires within 24-48 hours. This ensures that only you can use it to make a transaction and it is of no use to anyone who gets hold of it later.

You set the limits It allows you to specify the amount for the eShop Card. This means that you are always in control.

Accepted everywhere You can use the card on any site that accepts VISA cards.

One Consolidated Statement Your Axis Bank Credit Card statement will contain all purchases made with the eShop Cards, just like any other transaction.

  • Platinum Advantage Credit Card
  • Platinum Credit Card
  • Gold Credit Card
  • Silver Credit Card
  • Easy Credit Card

    • Making your online shopping more secure!

    What are the unique features of eShop Card?

    eShop Card is a Virtual Credit Card brought to you by Axis Bank. You can create your own eShop Card using your existing Axis Bank Credit Card. This eShop Card can be used to shop online at all websites.

    What is the eShop Card?
    • You don't give your actual credit card number for online transactions. It is thus the most secure way to shop online.
    • The eShop Card is valid for a maximum of 48 hours.
    • The eShop Card can be used at any website that accepts Visa card.
    • At the end of the validity period, the unutilized amount is credited back to your credit card account.
    Is the Axis Bank eShop Card safe?

    Yes, the eShop Card is the safest way to conduct transactions online. As you don't give out your actual card details, your transactions are completely secure. The eShop Card is valid only for one transaction. Once you use your eShop Card, it expires and cannot be used again. We recommend creating the eShop Card just before the intended purchase and using it immediately at the Merchant website. You can download the plug-in from our website for your ongoing online transactions.

    Do I have to register to use eShop?

    Yes, you have to register once to start using the eShop Card. Registration is a simple process. Just log on to www.axisbank.com and click on the 'Register now' option under eShop.

    Can I register more than one Axis Bank Credit Card?

    Creating your eShop Card is very easy. Visit www.axisbank.com and log in to eShop using your login ID and password. Alternatively, you can download the plug-in, which will reside on your computer. Clicking on the plug-in will take you directly to the page where you can generate the eShop Card. Now choose from your already registered credit card(s) from which you have to draw funds for creating the eShop Card. Click OK to create the eShop Card.

    Can I use the eShop Card at all websites?

    You can use your eShop Card at all websites that accept Visa cards. Note: Do not use your eShop card when:

    • he merchant requires you to present your actual AXIS Bank Credit Card for the delivery of your purchase (e.g. airlines, movie tickets, etc).
    • Check the merchant's policy carefully before you purchase.
    • Card is to be used for recurring or installment payments
    When does my Axis Bank Credit Card account get debited - at the time of creation of eShop Card or at the time of purchase

    The amount gets blocked at the time of creation of the eShop Card and your Axis Bank Credit Card account is debited at the time of purchase.

    What happens if I use only part of the eShop Card amount?

    The balance amount gets credited to your Axis Bank Credit Card account within 30 days from the date of transaction.

    How do I cancel an eShop Card after generating it?

    To cancel, you have to login to eShop and choose all accounts/services. Select Card List, which will list down all the eShop Cards generated by you. You can then choose the cards that need to be cancelled and click on Cancel Card. The amount will be credited back to your Axis Bank credit card account at end of validity period i.e. 48 hours.

    Do I need any special equipment or software on my computer?

    All you need is an Internet connection and a compatible internet browser. To find out if your browser is compatible, go to the "Help" menu in your browser and select the "About" option. It should tell you what version is installed on your computer.

    Can I generate eShop Card from any Computer?

    Yes, you can generate eShop Cards on any computer that has an Internet connection and a compatible Internet browser.

    Several merchant sites ask for a 3 Digit Code to be entered in addition to the Card Number. Does the eShop Card provide for such a number?

    Yes, at the time of creation, this 3-digit code (CVV2 Value) is generated. You can use this code when prompted by the merchant site.

    What if I forget my password?

    You can reset your password (create a new password) by entering your credit card number, the CVV2 (3 Digit Code), your card expiry details, and your date of birth.

    What should I do if I suspect someone has stolen my password or used it to make fraudulent purchases?

    Contact Axis Bank immediately by calling our customer care at 1860 419 5555 & 1860 500 5555 and report the matter.

    What happens if I shop online without using the eShop Card?

    Without the eShop Card, you will have to divulge details about your credit card, which may lead to misuse if it lands in the wrong hands.

    Is there a Joining Fee, Annual Fee for the eShop Card?

    No, this facility is currently being provided to you free of cost.

    Can I withdraw cash using my eShop Card?

    No, this card can be used only for online transactions at sites that accept VISA cards.

    Can I use this card for mail order or telephone order purchases?

    No, this card can only be used for online purchases.

    Convert purchases into EMIs

    EMI Facility

    No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of INR 2,500 or more into EMI.

    Here's how you benefit from HELLO-EMI

    Pay in Parts: Now you don't need to pay back the entire amount upfront when you make big Credit Card purchases. Just enjoy the convenience of paying back in easy EMI.

    Reduced interest rate: You enjoy a lower interest rate than the revolving interest rate you would normally pay on your Credit Card. Now convert your transaction into EMI at just Rs. 1.5% p.m. at monthly reducing balance.

    You have the option of converting your transaction of INR 2,500 or more into 6, 9, 12, 18 or 24 month EMI.

    Note: A onetime Processing Fee of 2% or Rs. 1500, whichever is lower (minimum Rs 250) will be charged to your Credit Card account on the rate of conversion.

    Now shop and pay in easy instalments with the Instant EMI facility for your big purchases on Axis Bank Credit Cards. The Instant EMI facility can be availed at select online merchants and retail stores.

    • Pay in hassle-free monthly instalments.
    • No documentation.

    Max amount for EMI conversion - 10 lacs (per transaction).

    Now calculate your EMI by Clicking here

    Process of Conversion to EMI
    • Make a purchase of a minimum of INR 2,500 on your Axis Bank Credit Card
    • Convert your purchase to EMI through any of the following channels within 60 days of making the purchase through any of the following channels:
      • Call Axis Bank at 1860 500 5555 & 1860 419 5555.
      • EMI conversion instantly through Axis Bank Mobile application
      • EMI conversion instantly through Axis Bank Internet Banking.
      • EMI conversion instantly through Axis Bank ATM & Axis Aha!
    • EMIs are calculated at an interest rate of only 1.5% per month on monthly reducing balance.
    • Choose between tenure options of 6, 9, 12, 18 and 24 months.
    • The EMIs will be charged to the Credit Card account, to make repayment convenient for you.
    • A one-time Processing fee of 2% or Rs. 1500 whichever is lower (minimum Rs 250) will be charged to your Credit Card account on the rate of conversion

    Customer can also visit select retail stores and online merchant where the offer is available and convert purchase into EMI

    • ROI for 3 and 6 months will be 14%, 15% for 9 and 12 months and 16% for 18 and 24 months.
    • ROI will be informed on the payment gateway and at the payment counter before completing the transaction.
    • Customer will be given an option to select tenure for the purchase.
    • Post successful authentication, the transaction is completed.
    *Terms and Condition for EMI conversion on credit card

    Terms and Conditions

    • Request for conversion of transaction into EMI will be processed only if the request for the same is received within 60 days from the date of purchase
    • The Equated Monthly Instalment (EMI) amount will be billed to the credit card every month on the same date as the first instalment date.
    • The entire EMI amount will be included in calculation of Minimum Amount Due payable by the cardholder.
    • On availing the EMI facility the reward points if any that have been accrued on the Original transaction shall be reversed.
    • During the running period of EMI's the cardholder cannot close the Axis Bank credit card. However if he does so, before all instalments have been posted, the outstanding EMI Principal amount will be debited to the card account as one consolidated amount and regular interest applicable to credit card shall be charged.
    • If customer opts for foreclosure or cancellation of EMI facility, customer will have to inform the customer service of Axis bank for discontinuing the EMI facility. The cancellation will not be automated. EMI cancellation request should be given at least 1 working day before the due date.
    • Pre-payment charges on foreclosure of the EMI facility will apply at the rate of 3% on the outstanding principal amount of the loan or Rs. 300 whichever is higher.
    • Axis Bank reserves the right to foreclose the loan and debit the entire outstanding amount to customers credit card statement if the customer defaults on payment of two consecutive EMIs.
    • Any requests by add-on cardholders will be billed to the primary card.
    • No request for changes in the billing cycle shall be entertained during the entire loan period. The loan period is defined as the loan tenure selected by the cardholder at the time of request.
    • GST will be applicable on Processing Fee, Foreclosure fee and interest amount and will be billed in the same statement in which the above charges are levied.
    • Axis Bank reserves the right at any time without previous notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. Which if done shall be binding on the cardholder and the cardholder shall abide by the said rules. If withdrawn, those who have opted shall continue to get the right to pay through EMIs for the already approved conversion.
    • The Bank may at its sole discretion accept or reject the EMI conversion request without assigning any reason whatsoever.
    • The participants will not hold Axis Bank responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges, and expenses that a participant may suffer, sustain or incur by way of this scheme.
    • All and any disputes arising from the EMI facility shall be subject to the exclusive jurisdiction of the courts of Mumbai.
    • Jewelry/Gold transaction are not eligible for EMI conversion.
    • EMI facility is not available for Corporate Cards.
    • If EMI conversion is done through Mobile Banking Application, SMS will be received on registered mobile number on Mobile Banking Application
    • EMI facility is Prohibited on dealing in Virtual Currencies (VCs)
    • At a given time customer can have maximum of 60 active Transaction EMIs
    Terms & Conditions for Merchant EMI on Credit Card

    Terms and Conditions

    No matter how big your next Credit Card purchase, go right ahead.

    Pay in Parts: Now you don't need to pay back the entire amount upfront when you make big Credit Card purchases. Just enjoy the convenience of paying back in easy EMI.

    Reduced interest rate: You enjoy a lower interest rate than the revolving interest rate you would normally pay on your Credit Card .Now convert your transaction into EMI at Rate of Interest as per tenure option at monthly reducing balance.

    You have the option of converting your transaction of INR 2,500 or more into 3, 6, 9, 12, 18 or 24 month EMI.

    • Request for conversion of transaction into EMI will be processed only if the request for the same is received within 30 days from the date of purchase
    • The Equated Monthly Installment (EMI) amount will be billed to the credit card every month on the same date as the first installment date.
    • The entire EMI amount will be included in calculation of Minimum Amount Due payable by the cardholder.
    • On availing the EMI facility the reward points if any that have been accrued on the Original transaction shall be reversed.
    • During the running period of EMI's the cardholder cannot close the Axis Bank credit card. However if he does so, before all installments have been posted, the outstanding EMI Principal amount will be debited to the card account as one consolidated amount and regular interest applicable to credit card shall be charged.
    • If customer opts for foreclosure or cancellation of EMI facility, customer will have to inform the customer service of Axis bank for discontinuing the EMI facility. The cancellation will not be automated. EMI cancellation request should be given at least 1 working day before the due date.
    • Axis Bank reserves the right to foreclose the loan and debit the entire outstanding amount to customers credit card statement if the customer defaults on payment of two consecutive EMIs.
    • Any requests by add-on cardholders will be billed to the primary card.
    • No request for changes in the billing cycle shall be entertained during the entire loan period. The loan period is defined as the loan tenure selected by the cardholder at the time of request.
    • GST will be applicable on interest amount and will be billed in the same statement in which the above charges are levied.
    • Axis Bank reserves the right at any time without previous notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. Which if done shall be binding on the cardholder and the cardholder shall abide by the said rules. If withdrawn, those who have opted shall continue to get the right to pay through EMIs for the already approved conversion.
    • The Bank may at its sole discretion accept or reject the EMI conversion request without assigning any reason whatsoever.
    • The participants will not hold Axis Bank responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges, and expenses that a participant may suffer, sustain or incur by way of this scheme.
    • All and any disputes arising from the EMI facility shall be subject to the exclusive jurisdiction of the courts of Mumbai.
    • Jewelry/Gold transaction are not eligible for EMI conversion.
    • EMI facility is not available for Corporate Cards.
    • EMI facility is Prohibited on dealing in Virtual Currencies (VCs)
    • A one-time Processing fee of 1% or Rs. 100 whichever is higher will be charged to your Credit Card account on the date of conversion.
    • GST and other taxes, cess, etc. as mandated by the Govt. from time to time will be applicable on Processing Fee.
    T&C – Merchant EMI Cancellation

    In the event of EMI transaction through merchant websites, EMI will be cancelled automatically if the full refund amount is received by Bank from online merchant or aggregator towards the original transaction.

    Merchant EMI transactions will not be cancelled in case of partial refund from the merchant or the aggregator.

    EMI will be closed within 5 working days of receipt of information from the merchant or the aggregator.

    In case the card member wants to cancel the EMI facility, they can do it within 15 days from the date of transaction by calling Axis Bank customer care (all charges will be reversed - if applicable).

    In case card member opts for EMI cancellation or merchant refund is received after 15 days or after 1st EMI billed, interest levied on the card will not be reversed. Once EMI is cancelled it cannot be reconverted again.

    Axis Bank Masterpass

    Axis Bank Masterpass is a stored Cards digital wallet that makes online shopping easy, secure and convenient. You can store all your Axis Bank Credit and Debit Cards as well as your shipping details in one secure wallet for faster check-outs.

    Key Benefits
    • Convenient: Axis Bank Masterpass stores your card details and shipping address so that you need not enter this information for each transaction. Just Shop, Click and Check out!
    • Secure: All transactions have an additional factor of authentication with a simple six digit password, created at the time of registration. Moreover, you can disable or enable any of the stored card details anytime.
    • Faster: When paying with a registered device for Masterpass, simply select the Card and complete the payment for a faster check-out.
    How to register?
    • Enter either your Debit Card, Credit Card or Net Banking credentials
    • Authenticate using One Time Password (OTP) sent on your registered mobile number
    • Post authentication of the credentials and OTP, create your username and six digit numeric password
    • The remaining cards mapped to your customer ID will get linked to your Masterpass account automatically
    • Store your Shipping details for a convenient shopping experience
    • Register your device for a seamless, secure online transaction. An OTP authentication will be required when logging in through a different device
    • You can now enjoy the ease of online shopping using Axis Masterpass
    How to pay using Axis Bank Masterpass when shopping online
    • Select “Buy with MasterPass” payment option
    • Enter the Axis Bank Masterpass username and six digit numeric password to log in from registered device
    • Post successful login, select the Debit Card/Credit Card and shipping address for making the payment
    • If your device is not registered with Axis Bank Masterpass , enter a One Time Password and register the device for authentication for subsequent transactions

    Register Now!

    Already registered? Login now.

    FAQs
    • What is Axis Bank Masterpass?
      Axis Bank Masterpass is a digital stored cards wallet payment solution designed by Axis Bank to make your online shopping safer, easier and more convenient. With Axis Bank Masterpass, you can shop, click, and checkout faster online
    • How do I sign up or register for Axis Bank Masterpass?
      You can register with any of your Axis Bank Visa/MasterCard Debit & Credit Cards or Internet Banking for this service. The registration can be completed through the Axis Bank Masterpass page on Axis bank hosted website www.axisbank.com
    • Can I register with more than one Axis Bank Card?
      No, you can register with any one of your Axis Bank Visa/Master Credit/Debit Cards or Internet Banking. The remaining cards mapped to your customer ID will get linked to your Masterpass account automatically.
    • How do I register my Axis Bank Visa/Master Card?
      You need to create a new user ID and password for Axis Bank Masterpass. The User ID can be alphanumeric and it can be your name / registered email id / registered mobile number. Password should be a six digit numeric code. Just use your Axis bank Internet Banking/Card credentials to authenticate and register your Cards/account with Axis Bank Masterpass.
    • After I register, how long does it take for Masterpass to become active on my card?
      The registration process is completely online and activates instantly. Your registration success message will be displayed at the end of the registration process and you can start using the facility to shop securely on the Internet straightaway.
    • Can I register Masterpass from any computer/Mobile?
      You can register for Axis Bank Masterpass on the Axis Bank website through any Desktop/Laptop/Mobile that has an Internet connection with Internet Explorer 6.0 and above, or Mozilla Firefox or Google Chrome.
    • What if I forget my password?
      In case you have forgotten your Axis Bank Masterpass password, then you will be asked to enter your customer ID for authentication. Post validation of the same, you can reset your password. Other settings will remain the same as per your earlier set preferences.
    • If I suspect someone has stolen my password or used ID to make fraudulent purchases, what should I do?
      Contact Axis Bank immediately on 1860 419 5555 & 1860 500 5555. Alternatively, send an email at customer.services@axisbank.com
    • What if I forget my user ID for Axis Bank Masterpass ?
      Click on “Forgot user ID” option on the home page. Enter your Axis Bank customer ID for authentication. Post successful authentication, your Axis Bank Masterpass user ID will be sent on the registered mobile number.
    • How do I use Axis Bank Masterpass to buy something?
      Post registering for Axis Bank Masterpass , simply click on “Buy with MasterPass” while selecting the mode of payment. Enter the Axis Bank Masterpass User ID & password on the merchant website to complete your transaction.
    • Where can I use Axis Bank Masterpass ?
      Right now, there are multiple online retailers which accept Axis Bank Masterpass . List of stores which accept Axis Bank Masterpass are might just be next!
    • Do I have to pay to register for Axis Bank Masterpass ?
      No, Axis Bank offers Axis Bank Masterpass absolutely free of charge. There may be charges levied for data usage, SMS etc. Please check with your operator for details.
    • Do I need to download a separate app?
      No, currently there is no separate app for Axis BankMasterpass .
    • I have received an invitation code? What do I next?
      The invitation code is sent to select customers for using Axis Bank Masterpass . This code needs to be keyed in at the time of registration.

    Lounge Benefits

    Visa Master

    Enjoy a first class travel experience even before you take off.

    Upgrade your travel experience with complimentary access to Airport Lounges in India with your Axis Bank Visa Card*. Take a moment to relax in luxury and enjoy the gourmet meal, comfortable seats, free wi-fi, widescreen TVs and more

    EMI per Rs. 1000 for each of these tenures is given below:

    Card Priority

    Axis Bank MasterCard Credit Card grants you access to Lounges in select Domestic and International

    Airports of Delhi, Mumbai, Chennai, Kolkata and Hyderabad where in you can relax and rejuvenate. The lounges offer you refreshments, internet access and a host of other amenities* for a peaceful environment to conduct your business.

    Below is the list of participating lounges

    List of participating lounges, please click here

    For detailed terms and conditions click here

    Priority Pass

    Priority Pass welcomes you at over 600 airport VIP lounges worldwide, regardless of the airline you fly or the class you travel. Every trip becomes a stress-free VIP experience. You’ll have access to state of the art business facilities and a place to unwind whilst enjoying complimentary refreshments as part of the world’s largest independent airport lounge program.

    Experience VIP treatment regardless of the class you travel

    • Excellent leisure and working facilities
    • Over 100 countries and 300 cities worldwide
    • Stay connected with email, internet and conference space
    • Welcomed at normally exclusive US airline lounges
    • Complimentary refreshments and snacks
    • Relaxing ambience for you, your guest, clients and family
    • Offer - Up to 35% discount on the first year membership fee for Priority Pass™ - the world’s largest independent airport lounge access program