Axis Bank Credit Card Payment Through an ATM

Last Updated : May 6, 2025, 6:44 p.m.

In today's fast moving world, convenience is important when handling financial responsibilities like credit card payments . Axis Bank offers multiple channels for cardholders to settle their credit card bills, with ATM payments standing out as one of the most accessible options. This comprehensive guide covers everything you need to know about making Axis Bank credit card payment through an ATM, along with alternative payment methods to ensure you never miss a due date.

Step by step process to Make Axis Bank Credit Card Bills Through an ATM

Making Axis Bank credit card payments through an ATM is an easy and simple process that gives same-day credit to your account. Here's a step-by-step guide to complete your transaction successfully:

1. Visit any Axis Bank ATM location
2. Insert your Axis Bank ATM card or debit card into the machine
3. Enter your PIN to access your account
4. Go to the main menu. Then choose the "Other Services" option.
5. Select "Bill Payment". Then choose "Credit Card Bill Payment"
6. Enter your 16-digit Axis Bank credit card number
7. Re-enter the same number for verification purposes
8. View both the "Total Amount Due" and the "Minimum Amount Due" on the ATM screen.
9. Select the specific amount you wish to pay
10. Confirm the transaction to complete the payment

Once confirmed, the account linked to your ATM/Debit card will be debited, and an equivalent amount will be credited to your credit card account on the same day. You'll receive a confirmation message on the ATM screen, along with an acknowledgement via email and SMS from the bank.

Important Considerations for ATM Payments

Before using the ATM payment method, there are several important factors to consider:

• Card Compatibility: You must use an Axis Bank Debit/ATM card to make the payment. Other bank debit cards cannot be used for Axis Bank credit card payments through ATMs
• Processing Time: Unlike some other payment methods that might take 2-3 business days to process, ATM payments are processed on the same day, making it an excellent option when your due date is approaching.
• Verification: The dual entry of your credit card number ensures transaction accuracy and reduces the risk of payment errors.
• Payment Options: The ATM interface gives you flexibility to pay either the total outstanding amount, the minimum due amount, or a custom amount of your choice.

Advantages of Timely Axis Bank Credit Card Payments through ATMs

Regardless of which payment method you choose, paying your Axis Bank credit card bills on time offers several advantages:

1. Maintains a High Credit Score : Timely payments contribute positively to your credit history.
2. Avoids Penalties: Late payment fees and high interest charges can be completely avoided.
3. Preserves Credit Limit: Your full credit limit remains available for future transactions.

Alternative Payment Methods for Axis Bank Credit Cards

While ATM payments offer convenience, Axis Bank provides multiple other channels for credit card bill payments:

Online Payment Options

• Axis Bank Internet Banking: Log in to your Axis Bank account, select " Credit Cards ," choose your card, and click "Pay now"
• Axis Bank Mobile App: Access the app, navigate to the "Credit Cards" tab, choose your card, and complete the process of payment.
• UPI Payments: Use any UPI-enabled application like Google Pay, PhonePe, or Paytm to pay your credit card bill (typically processed within 2 working days).
• NEFT: Transfer funds from any bank account using the National Electronic Funds Transfer facility (processing time: 1 working day)

Offline Payment Options

• Cash Payment: Go to any branch of Axis Bank and pay the bills in cash (A service fee of Rs 100 will be levied).
• Cheque/Draft Payment: Issue a cheque in favor of "Axis Bank Card No. (16-digit Credit Card Number)". Then submit it any branch of Axis Bank 5 days prior to the proposed due date.
• Auto Debit Setup: Configure automatic payments from your Axis Bank savings or current account through mobile app or internet banking.

Understanding Credit Card Payment Processing

When you pay your bills for Axis Bank credit cards , several entities work together to process the transaction:

1. Cardholder: The individual who owns the Axis Bank Credit Card
2. Payment Gateway: The digital service that securely transmits transaction details
3. Acquiring Bank: The merchant's bank that forwards transaction details
4. Card Network: Companies like Visa, Mastercard, or RuPay that facilitate communication
5. Issuing Bank: Axis Bank, which accepts or rejects transactions.

Most credit card payments are processed within 24 to 48 hours, via ATM payments offer same-day processing, giving them an advantage when time is the essence.

Conclusion

Axis Bank credit card payments through an ATM provide a convenient, secure, and immediate solution for cardholders looking to manage their credit card bills efficiently. The same-day processing feature makes it particularly valuable when you need to make last-minute payments to avoid late fees. However, understanding all available payment options ensures you can choose the method that best suits your specific needs and circumstances. Whether you prefer the immediacy of ATM payments or the convenience of digital options, Axis Bank offers multiple secure channels to help you maintain good credit health through timely bill payments.