How to close Axis credit card?

An Axis credit card can be closed by raising a request through mobile banking, NetBanking, customer care, or by visiting a branch.

Closing a credit card means the account is permanently deactivated.

Once closed, the card cannot be used for any transactions.

Cards issued by Axis Bank can be closed using a few simple steps.

Let’s understand the process.

Things to Check Before Closing the Card

Before requesting closure, a few things must be cleared.

Important checks:

• All outstanding dues should be paid
• No active EMIs should remain
• Reward points should be redeemed
• Auto-pay subscriptions linked to the card should be removed

Once the card is closed, unused rewards may be lost.

Method 1: Close Axis Credit Card Through Mobile App

One of the easiest ways is using the mobile banking app.

Steps usually include:

1. Open the Axis mobile banking app
2. Log in to the account
3. Go to Credit Cards section
4. Select the credit card
5. Tap Close Card or Service Request
6. Submit the closure request

The bank processes the request after verification.

Method 2: Close Through NetBanking

Closure can also be requested online.

Steps include:

1. Log in to Axis NetBanking
2. Go to Credit Cards section
3. Select the card
4. Choose Close Credit Card
5. Submit the request

The bank verifies details before closing the account.

Method 3: Close Through Customer Care

Customer care can also handle closure requests.

Steps usually include:

• Call Axis credit card customer support
• Request card closure
• Provide identity verification details
• Confirm the request

The bank processes the closure after confirmation.

Method 4: Visit a Bank Branch

Another option is visiting a branch.

Steps include:

• Visit the nearest Axis Bank branch
• Fill out a credit card closure form
• Submit identification if required

The bank processes the request after verification.

What Happens After Closing the Credit Card

Once the card is closed:

• The card cannot be used
• The credit limit is removed
• The account becomes inactive

A confirmation message is usually sent.

Impact on Credit Score

Closing a credit card may have some impact.

Possible effects:

• Reduced total credit limit
• Increased credit utilization ratio

If the card has a long history, closing it may slightly affect the credit score.

Tips Before Making the Final Decision

Before closing the card, it helps to think through a few points.

Helpful considerations:

• Is the card still useful for rewards
• Does it have high annual fees
• Is it being actively used

Sometimes keeping the card may be beneficial.

FAQ

Can Axis credit card be closed online?

Yes, through mobile banking or NetBanking.

How long does closure take?

Usually a few working days after verification.

Is it necessary to clear dues before closing?

Yes, the card must have zero outstanding balance.