How to Close Axis Bank Credit Card

If you’re an Axis Bank Credit Card holder and struggling to handle your expenses, opting to permanently close your card is an option. You can kickstart the cancellation procedure through online or offline channels. Here, we outline the diverse methods available for canceling your card, highlight crucial considerations, and address common queries regarding the closure of an Axis Bank Credit Card.

Steps to Close Your Axis Bank Credit Card Account:

  1. Contact Axis Bank Customer Care:
    • Axis Bank credit cardholders can choose between two methods to cancel their credit cards: either by submitting a written request to the bank or by contacting the customer care centers via phone.
  2. Writing to the Bank:
  3. Calling Customer Care:
    • Alternatively, you can call Axis Bank customer care at 1800-233-5577 / 1800-209-5577 / 1800-103-5577 at any time to cancel your card membership.

Things to Check Before Closing Your Axis Bank Credit Card:

  1. Clearing Dues and Charges:
    • Ensure all outstanding dues, pending loans, EMI facilities, balance transfers, and other charges are cleared before closing the card.
  2. Redeeming Reward Points:
    • Utilize any remaining reward points within 45 days after requesting the closure of your card.
  3. Transfer of Dues:
    • Note that pending dues on the credit card cannot be transferred to another card once the closure request is initiated.

Axis Bank’s Right to Cancel a Credit Card:

  • Axis Bank reserves the right to terminate a credit card at its discretion without specific reasons.
  • If the bank cancels the card, the cardholder must clear all outstanding amounts immediately.
  • No refunds for annual fees or charges will be provided.
  • Reasons for cancellation include consistently failing to pay dues on time, not adhering to terms and conditions, dishonored payments, or providing incorrect information.

How to Reactivate a Closed Axis Bank Credit Card:

  • If you want to revive a deactivated Axis Bank credit card, you have the option to submit a request for reactivation.
  • Contact customer care and provide necessary verification details such as credit card number, expiry date, date of birth, and registered mobile number.
  • You can also reactivate the card by emailing the bank with an identity proof and a passport size photograph. Nevertheless, achieving this is only possible if you personally initiated the closure of the card.

Frequently Asked Questions (FAQs)

1. What’s the procedure for terminating my Axis Bank credit card?

  • You can close your Axis Bank credit card by either writing to the bank or calling the customer care centers. You can send an email to [email protected] or [email protected], or call customer care at 1800-233-5577 / 1800-209-5577 / 1800-103-5577.

2. What factors should I take into account before deciding to close my Axis Bank credit card?

  • Before closing your Axis Bank credit card, ensure that all outstanding dues, pending loans, EMI facilities, balance transfers, and other charges are cleared. Also, redeem any unused reward points within 45 days of requesting closure.

3. Can I transfer pending dues to another credit card after closing my Axis Bank credit card?

  • No, any pending dues on your Axis Bank credit card cannot be transferred to another card once the closure request is initiated. Make sure to settle all dues before closing the card.

4. What factors might lead to Axis Bank deciding to terminate my credit card?

  • Axis Bank reserves the right to cancel a credit card without specific reasons. However, common reasons for cancellation include consistently failing to pay dues on time, not adhering to terms and conditions, dishonored payments, or providing incorrect information.

5. What are the repercussions if Axis Bank decides to terminate my credit card?

  • If Axis Bank decides to revoke your credit card, it’s crucial to settle any pending balances without delay. Keep in mind that in such instances, there won’t be any reimbursements for annual fees or charges.

6. Can I reactivate a closed Axis Bank credit card?

  • Certainly! To revive a deactivated Axis Bank credit card, you’ll need to initiate a request through customer service. Ensure to furnish the required verification information. Additionally, be prepared to present an identity proof along with a passport-sized photograph as part of the reactivation process.

7. Is there a time limit for reactivating a closed Axis Bank credit card?

  • Although there’s no set timeframe for reactivating your credit card, it’s recommended to begin the process promptly after it’s been closed. Get in touch with customer support for assistance with reactivating your card.

8. Are there any fees associated with closing a credit card from Axis Bank?

  • Axis Bank doesn’t typically charge a fee for closing a credit card. However, ensure all outstanding dues and fees are cleared before closure to avoid any additional charges.