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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.
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:
To make it simpler, here’s a checklist that shows the key actions you must complete before requesting closure.
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.
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.
Here is a step-by-step guide for closing a credit card online:
The process is quite simple and quick. You can close your credit card from anywhere.
For customers who prefer personal assistance, Axis Bank offers offline closure options. These include calling customer care or visiting the nearest branch:
Both offline methods are reliable. Customer care is quicker for most users, while branch visits may be safer for those who prefer personal handling.
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.
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:
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:
In short, the closure is completed in about 7–10 working days, but your credit report may take longer to update.
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:
Whichever method you choose, always keep a copy of the closure confirmation email, SMS, or slip for future reference.
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.
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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