How To Close Axis Bank Credit Card: Complete Step‑by‑Step Guide

Key Takeaways:

• Closing a credit card might slightly lower your credit score at first, but it usually improves again over time.
   
• You can close the card either online or offline; both methods are safe and straightforward.
   
• Always keep a written confirmation after closing the card for your personal financial records.

BONUS: ACCORDING TO TRANSUNION CIBIL, CREDIT CARD DEFAULTS TOUCHED 1.8% IN JUNE 2024, UP FROM 1.7% IN DECEMBER 2023 AND 1.6% IN MARCH 2023. THE RISE MAY APPEAR SMALL, BUT THE ACTUAL DUES ARE MASSIVE. OUTSTANDING CREDIT CARD DEBT GREW TO ₹2.7 LAKH CRORE IN JUNE 2024, COMPARED WITH ₹2.6 LAKH CRORE IN MARCH 2024 AND JUST OVER ₹2 LAKH CRORE IN MARCH 2023.

Axis Bank credit card closure means formally cancelling an active credit card account, stopping all future transactions, fees, and responsibilities.

Ramesh Iyer, a 35-year-old IT manager from Chennai, used his Axis Bank credit card with a limit of ₹1,20,000 for two years. After shifting to a new city, he realised he was maintaining three cards simultaneously and paying around ₹6,500 in total annual fees. To simplify his finances, he chose to close one card. When Ramesh submitted his closure request, he had ₹12,000 in outstanding dues and 950 unused reward points. He cleared the dues, redeemed his points, and then contacted Axis Bank customer care for official closure.

This blog explains the step-by-step process of how to close an Axis Bank credit card, online and offline, along with its effects.

Things to Do Before Closing Your Axis Bank Credit Card

Before you submit a closure request, there are a few essential tasks to complete. This ensures the process is smooth and avoids rejection from the bank.

Here are the important things to do before you close your Axis Bank credit card:

• Clear Outstanding Dues: Make sure no pending bill exists. For example, if you have ₹10,000 unpaid, it must be settled before closure.
   
• Redeem Reward Points: If you have 1,500 points worth ₹500, redeem them; otherwise, they are lost permanently.
   
• Cancel EMIs and Auto-payments: A standing EMI of ₹2,500 or any auto-debit will block closure until cancelled.
   
• Check Annual or Service Charges: Sometimes, a final annual fee of ₹1,000 might be billed. Pay this before you apply.

To make it simpler, here’s a checklist that shows the key actions you must complete before requesting closure.

How to Close Axis Bank Credit Card: Step-by-Step Guide?

The process of closing an Axis Bank credit card involves a few defined steps, whether online or offline. Knowing them in advance saves time.

For instance, Neha Malhotra, a 28-year-old lawyer in Mumbai, wanted to close her Axis Bank credit card with a limit of ₹50,000. She followed the correct steps, clearing her ₹8,500 outstanding bill, contacting Axis Bank through web chat, and submitting her request. Within 9 working days, her card was officially closed.

To understand the flow better, here are the steps in the closure process:

This table shows that the entire closure process is straightforward if each step is followed carefully. Missing one may delay the approval.

How to Close Axis Bank Credit Card Online? 

Axis Bank allows customers to close their credit cards digitally. The online option is convenient for those who do not want to visit a branch.

Steps for Online Closure:

Here is a step-by-step guide for closing a credit card online:

1. Visit the Axis Bank website and open the Web-Chat option.
    
2. Enter registered details such as mobile number and email ID.
    
3. Specify to the live agent that you want to close your credit card.
    
4. Clear any pending.
    
5. Wait for confirmation via SMS or email.

The process is quite simple and quick. You can close your credit card from anywhere. 

How to Close Axis Bank Credit Cards Offline?

For customers who prefer personal assistance, Axis Bank offers offline closure options. These include calling customer care or visiting the nearest branch:

• Via Customer Care:
  • Call 1860 419 5555 or 1860 500 5555.
  • Confirm identity using registered details.
  • Request card closure.
     
• Via Branch Visit:
  • Carry a valid ID proof such as Aadhaar or PAN.
  • Inform the representative about your closure request.
  • Sign the closure form and submit it.

Both offline methods are reliable. Customer care is quicker for most users, while branch visits may be safer for those who prefer personal handling.

What Happens After You Request Credit Card Closure?

Once you place a closure request, Axis Bank follows a fixed process to complete the cancellation. Knowing this timeline avoids confusion.

Here is a timeline that shows the usual stages after placing a closure request:

This table shows that while the closure itself is completed within 7–10 working days, the credit bureau update may take longer.

How to Check Axis Bank Credit Card Closure Status?

Axis Bank provides multiple ways for customers to track their closure requests. This helps in confirming that the process has been completed correctly. Let’s see how you can check the credit card closure status:

• Online Banking/App: Log in and check card status under “Credit Card Services.”
   
• Customer Care Call: Provide your reference number and registered details.
   
• Branch Visit: Ask the representative to verify closure in their system.
   

No matter which method you choose, always keep a written confirmation (email or receipt) for your records.

What Happens After You Request Credit Card Closure?

Once you raise a closure request with Axis Bank, the bank follows a fixed sequence of steps until your account is officially closed:

1. Acknowledgement: Axis Bank sends an SMS or email within 24 hours.
    
2. Processing: The bank verifies dues and pending charges within 5–7 working days.
    
3. Final Confirmation: The Official closure message is shared once the card is blocked.
    
4. Credit Bureau Update: Your closure reflects in CIBIL within 30–45 days.

In short, the closure is completed in about 7–10 working days, but your credit report may take longer to update.

How to Check Axis Bank Credit Card Closure Status?

It is important to check the closure status to confirm that your request has been completed successfully. Axis Bank offers both online and offline tracking:

• Mobile App/Net Banking: Log in, go to “Credit Card Services,” and check if status shows “Closed.”
   
• Customer Care Call: Provide your closure reference number to confirm completion.
   
• Branch Visit: Request a written acknowledgement slip for safe record keeping.

Whichever method you choose, always keep a copy of the closure confirmation email, SMS, or slip for future reference.

Conclusion

Closing an Axis Bank credit card is easy if everything is planned. Make sure to clear all outstanding dues and use up any reward points before requesting closure. You can choose either the online method or visit a branch for offline closure; both options work well. Axis Bank usually completes the process in 7 to 10 working days, but it may take up to 45 days for the update to reflect on your CIBIL report. It’s also important to track the closure request and keep written proof for your financial safety.

FAQs on Axis Bank Credit Card Closure

1. How long does it take to close an Axis Bank credit card after submitting the request?
Axis Bank usually processes credit card closure requests within 7 to 10 working days after all dues are cleared and documents are verified.

2. Will closing my Axis Bank credit card affect my credit score?
Yes, there may be a temporary dip in your credit score, especially if the card had a high credit limit or was your oldest account. The score generally recovers over time with continued good credit behaviour.

3. Can I close my Axis Bank credit card online without visiting a branch?
Yes, you can request closure by emailing customer care or using the Axis Bank support portal. No need to visit a branch unless additional verification is required.

4. What should I do before closing my Axis Bank credit card?
Before closing, make sure to pay all outstanding dues, redeem any unused reward points, and download recent statements for your records.

5. Will I get confirmation once my Axis Bank credit card is closed?
Yes, Axis Bank sends a written confirmation via SMS or email once the closure is complete. Always keep this confirmation for your financial safety.

6. Can I reopen a closed Axis Bank credit card?
Yes, you can request reactivation by contacting customer care or visiting a branch, subject to approval.

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.