How to Close Axis Bank Credit Card

There are times when closing a credit card becomes necessary, such as when it overlaps with another card’s benefits, when managing multiple cards becomes difficult, or when your spending habits have changed significantly. In such cases, choosing to close a credit card can help simplify your financial commitments and reduce unnecessary liabilities.

If you hold an Axis Bank credit card and plan to discontinue it, it's essential to follow the correct steps to avoid any negative impact. In this blog, we explain how to close Axis Bank credit card through both online and offline channels and key points to consider before submitting a closure request.

How to close Axis Bank credit card online

• Visit the Web Chat section on the official Axis Bank website
• Enter your registered email ID and mobile number with country code, and captcha
• Click on ‘Start Chatting’
• Once connected, inform the bank agent that you want to close your Axis credit card
• Complete the closure process by following the instructions given

Also Read: Axis Bank Credit Card Application

How to close Axis Bank credit card offline

1. Customer care

   • Call any Axis Bank credit card customer care number from your registered mobile number
     • 1800 103 5577 / 1800 209 5577 (Toll-free)
     • 1860 419 5555 / 1860 500 5555 (Charges applicable as per the service provider)
   • Request the credit card closure from the bank representative
   • The bank staff will verify your identity and proceed with the closure process

2. Axis Bank branch

   • Visit the nearest Axis Bank branch with a valid ID proof
   • Inform the branch staff that you wish to close your credit card
   • Submit your closure request along with the reason for cancellation

Things to keep in mind before closing your Axis credit card

1. Clear all dues: Settle all outstanding balances, EMIs, and any pending charges before initiating the cancellation.
2. Do not use the card after a cancel request: Avoid using the card once a closure request is raised, as it may delay or cancel the process.
3. Redeem reward points: Use up any accumulated reward points before cancellation, as they will be lost afterward.
4. Deactivate auto-payments: Unlink any automatic bill payments or subscriptions tied to the card to prevent failed transactions.
5. Know the impact on credit score: Closing an older card may slightly impact your credit score by reducing your credit history length.
6. No dues transfer after request: After initiating the Axis Bank credit card cancellation request, you cannot transfer the associated dues to another credit card.

Also Read: How to Check Axis Bank Credit Card Status

How to reactivate a cancelled Axis Bank credit card

To reactivate a cancelled Axis Bank credit card, you can call the bank’s customer care and request reactivation by providing details such as your name, credit card number, expiry date, registered mobile number, and date of birth. Follow the instructions provided by the representative to complete the process. Alternatively, you can visit the nearest Axis Bank branch for in-person assistance. The bank will inform you once your reactivation request has been successfully processed.

How to close Axis Bank credit card is now easier than ever, with multiple secure and convenient options available. You can place a request through web chat, customer care, or by visiting a nearby branch. Before initiating the closure, ensure all dues are cleared, auto-payments are deactivated, and reward points are redeemed.

Following these simple steps can help avoid delays or post-closure issues. So, if you are looking for your next credit card or exploring financial options, platforms like Quid make it easy to compare various personal loan, business loan, or credit card options for your financial needs.

Frequently asked questions

1. How to close Axis Bank credit card?

   You can close your Axis Bank credit card via web chat, customer care, or by visiting the nearest branch.

2. Can Axis Bank close my credit card on its own accord?

   Yes, if you miss payments or violate the card terms, Axis Bank may close your credit card without your request.

3. What are the Axis Bank credit card closing charges?

   Axis Bank does not charge any fee for closing a credit card, provided all dues are cleared beforehand.

4. Do I need to clear all dues before closing my Axis Bank credit card?

   Yes, clearing all outstanding dues is mandatory for a successful closure request to be processed.

5. Can I reactivate a closed Axis credit card?

   You can reactivate your Axis credit card by contacting the bank’s customer care number or visiting the nearest branch.