Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to Close or Cancel Axis Credit Card

    Looking to close or cancel your Axis Bank credit card? As an Axis bank cardholder, you can terminate your Axis bank credit card by writing to the bank or by calling the customer care centres.

    Process to Close Axis Credit Card

    An Axis bank cardholder can terminate his/her Axis bank credit card by writing to the bank or by calling the Axis bank credit card customer care centres that exist for providing support to the customers.

    • You can send an email to the bank executives in a bid to close their credit cards. Customers can send the bank authorities to close their credit cards by sending emails to premium.cards@axisbank.com or creditcards@axisbank.com
    • Axis bank credit card customers in the country can call on 1800-233-5577/1800-209-5577/ 1800-103-5577 at anytime of the day to cancel their card membership with the bank.

    Things to Know Before Closing an Axis Bank Credit Card

    Before deciding to cancel a Axis bank credit card, the customer needs to consider the following points:

    • All outstanding dues, pending loans, EMI facilities, balance transfers along with other charges needs to be cleared
    • All unused reward points that exist on the card needs to be redeemed within 45 days of requesting for the closure of the credit card.
    • The pending dues in the credit card that the applicant wishes to close cannot be transferred to another credit card once the request to close the credit card is raised by the cardholder.

    When can Axis Bank Cancel a Credit Card

    Axis bank can also terminate a credit card at its sole discretion without any specific reason or cause. If done so, the cardholder will have to clear all the outstanding amount on the credit card immediately. Apart from that, no annual fees or other charges would be refunded on basis of pro-rata. Other reasons include:

    • Consistently failing to pay any amount due to the bank within the due date
    • Failing to perform obligations as per the terms and conditions
    • Any cheque/ECS/pay online using other bank account/standing instructions delivered to the bank and not be encashed
    • Any representation made by the cardholder that proves to be incorrect or incomplete

    How to Reactivate A Closed Axis Bank Credit Card

    To request the bank to reactivate the closed Axis bank credit card, the customers need to raise request. However, the request can be raised only when the cardholder has cancelled the card himself/herself. To reactivate a closed credit card offered by Axis bank, the applicant needs to call customer care centers and validate the credit card number, expiry date, Date of birth and registered mobile number. The credit card can also be reactivated by sending an email to the bank authorities along with an identity proof and a passport size photograph.

    FAQs

    1. What should I do before cancelling my Axis Bank credit card?

      Before canceling your credit card, it is very important to log into your credit card’s online account on your bank’s website and cancel all the automatic bill payments or transfers that you have set up on your card. If you fail to cancel your automatic payments, the bills will continue to be sent to your card, which will then be declined once your card is closed, causing a fee to be levied for delayed or missed payments.

    2. Is it important to pay off the outstanding dues before closing my Axis Bank credit card?

      Yes, it is very important to pay off your outstanding dues before closing your Axis Bank credit card. If you can afford to do so, then pay it off in full. However, if you cannot afford to do so, you could take a personal loan or transfer the balance to a lower-interest credit card.

    3. Can I redeem my reward points before closing my Axis credit card?

      Yes, you can redeem all your reward points, either as cashback, air miles, or reward points from the catalogue before you close your credit card.

    4. After how long will the records of closing the card appear in my credit report?

      It will take at least 4 to 6 weeks for the changes related to closing your credit card to appear in your credit report.

    5. If my credit report does not reflect the closing of my Axis credit card, what should I do?

      It is important that your credit report or history reflects that one of your credit cards is closed. For this reason, you should file a dispute with your credit card bureau or contact your credit card lender to get your records updated at the earliest.

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