How to close Axis Bank credit card?

It’s simple. But it shouldn’t be rushed.

A few checks first. Then the request.

Closing a card affects rewards and sometimes credit score.

Step 1: Clear All Outstanding Dues

Before raising the closure request, make sure:

• Total outstanding balance is fully paid
• No EMI conversions are active
• No pending transactions are unsettled
• No dispute cases are open

Even a small unpaid amount can delay closure.

Zero balance is required.

Step 2: Redeem Reward Points

Credit cards issued by Axis Bank usually cancel unused reward points after closure.

Before proceeding:

• Check reward balance
• Redeem cashback or vouchers
• Use any available benefits

After closure, reward points are typically forfeited.

No reversal later.

Step 3: Remove Auto-Debits and Subscriptions

If the card is linked to:

• OTT platforms
• Utility bills
• Insurance auto-pay
• EMI standing instructions

Update payment method first.

Once the card is closed, recurring payments will fail.

That may lead to penalties.

Step 4: Raise a Closure Request

There are multiple ways to close an Axis Bank credit card.

1. Through Customer Care

This is the most common method.

Steps usually include:

• Call Axis Bank credit card customer care
• Verify personal details
• Confirm zero outstanding
• Request card closure

Ask for service request number.

Keep it safely.

2. Through Mobile App or NetBanking

Digital option is available in many cases.

Steps:

• Log in to Axis mobile app or NetBanking
• Go to Credit Cards section
• Select the card
• Choose service request or closure option
• Submit the request

Availability may vary depending on account status.

3. Through Written Request

If required:

• Visit Axis Bank branch
• Submit written cancellation request
• Provide ID proof if needed

Processing may take slightly longer.

What Happens After Closure?

Once the request is processed:

• Card becomes permanently inactive
• Transactions are blocked
• Final statement may be generated

Physical card should be cut across chip and magnetic strip before disposal.

Security continues even after closure.

Does Closing Axis Credit Card Affect Credit Score?

It can.

Closing a credit card may:

• Reduce total available credit
• Increase credit utilisation ratio
• Slightly impact credit score

Closing an older card with high limit may affect more.

Score generally stabilizes if other accounts remain healthy.

When Closing Makes Sense

Closing may be reasonable if:

• Annual fee is not justified
• Card is rarely used
• Multiple cards create confusion
• Spending habits have changed

Simplifying finances can reduce stress.

When to Think Twice

Pause before closing if:

• The card is one of the oldest accounts
• It has a high credit limit
• Credit score is still improving

Length of credit history matters.

Keeping an old card active with small usage may help profile.

How Long Does Closure Take?

Typical processing time:

• 5–10 working days

If pending transactions exist, it may take longer.

Wait for written confirmation.

Can Closed Axis Card Be Reopened?

Usually no.

Once closed, the account cannot be reactivated.

A fresh application is required.

Approval depends on current credit profile.

Quick Checklist Before Closing

Before final decision, check:

• Balance fully cleared
• Reward points redeemed
• Auto-debits removed
• Credit score impact understood

Planning avoids regret.

FAQ

Is zero balance required before closure?

Yes, full payment is mandatory.

Can Axis credit card be closed online?

Yes, through mobile app or customer care.

Will closing affect credit history?

It may slightly impact utilisation ratio.