Axis Bank Credit Card Payment Through Debit Card

Last Updated : May 8, 2025, 12:25 p.m.

It is important for Axis Bank credit cardholders to manage their Axis Bank credit card payments efficiently in order to maintain a healthy financial profile and a good CIBIL score. One of the most convenient methods to pay your credit card bills is by using a debit card. This comprehensive guide explores everything you need to know about making Axis Bank credit card payment through debit card, including step-by-step procedures, benefits, and important considerations.

Why Pay Your Credit Card Bills on Time?

Before diving into the payment methods, it’s essential to understand why timely credit card payments matter:

• Maintain a Good CIBIL Score: Regular and timely payments positively impact your credit score, which is crucial for future loan approvals.
• Avoid Late Payment Fees: Late payments incur penalties that can accumulate over time.
• Reduce Interest Charges: Clearing your dues before the due date helps avoid high-interest charges on outstanding amounts.
• Retain Credit Card Benefits: Consistent timely payments ensure you continue to enjoy all the benefits offered by your Axis Bank credit card.

Methods to Make Axis Bank Credit Card Payments through Debit Cards

1. Online Payment through the Axis Bank Website

You can pay your Axis Bank credit card bill using any bank’s debit card through the official Axis Bank website:

Steps:

1. Visit the official portal of Axis Bank
2. Navigate to the “Pay Bills” section
3. Select “Credit Card Bill Payment”
4. Choose the payment option “Debit Card”
5. Enter your credit card details
6. Provide your debit card information
7. Enter the payment amount
8. Complete the transaction by entering the OTP received

The payment typically gets processed within 1-3 working days, depending on whether you use Axis Bank’s own payment gateway or third-party services like BillDesk or Freecharge.

2. BillDesk Payment Portal

Axis Bank partners with BillDesk to facilitate credit card payments:

Steps:

1. Navigate to the BillDesk website or access it through the Axis Bank portal
2. Select “Credit Card Payments”
3. Choose “Axis Bank” as your credit card issuer
4. Enter your 16-digit credit card number
5. Select “Debit Card” as your payment method
6. Enter your debit card details
7. Confirm the payment amount
8. Complete the transaction

3. ATM Payment Method

You can pay your credit card bill at any Axis Bank ATM through your Axis Bank Debit Card.

Steps:

1. Insert your Axis Bank ATM card or debit card at any Axis Bank ATM
2. Select “Other Services” option
3. Choose “Bill Payment” option
4. Key in your 16-digit credit card number twice for authentication
5. The ATM will show your total amount due and minimum amount due
6. Enter the amount you wish to pay
7. Confirm the transaction

The account linked to your ATM/Debit card will be debited, and the equivalent amount will be credited to your credit card account on the same day.

4. Mobile Banking App Payment

The Axis Bank mobile banking app offers a convenient way to pay your credit card bills:

Steps:

1. Log in to the Axis Bank Mobile App
2. Navigate to the “Credit Cards” tab
3. Choose the credit card for which you desire to make a payment
4. Click on the “Pay Now” button
5. If using an Axis Bank debit card, select your linked account
6. If using another bank’s debit card, select the “Debit Card” option
7. Enter the payment amount
8. Complete the transaction

The processing time for payments made through the mobile app is typically 1-3 working days.

5. Payment Through Third-Party UPI Apps

You can also make use of various payment apps that support debit card-based transactions:

Steps:

1. Open the payment app that you desire to use (PhonePe, Google Pay, Paytm, etc.)
2. Navigate to “Bill Payments” or “Credit Card Bill Payment”
3. Select “Axis Bank” as the credit card issuer
4. Enter your 16-digit credit card number
5. The app will fetch your bill details
6. Select your linked debit card or bank account
7. Enter the payment amount
8. Complete the transaction

Benefits of Making Axis Bank Credit Card Payments through Debit Cards

Immediate Processing

When you use an Axis Bank debit card for payment at Axis Bank ATMs or through their direct channels, the payment is often processed on the same day.

Enhanced Security

Modern debit card payments incorporate multiple security layers, including OTP verification and secure payment gateways, reducing the risk of fraud.

Convenience

Using a debit card eliminates the need to handle cash or write cheques, making the payment process more streamlined.

24/7 Payment Option

Unlike branch payments that are restricted to banking hours, debit card payments can be made anytime, anywhere.

Transaction Records

All debit card transactions are recorded, providing you with a clear audit trail of your credit card payments.

Important Considerations While making Axis Bank Credit Card Payments through Debit Cards

Processing Time

• Payments made using Axis Bank’s own debit cards through their channels typically process faster (Same day to 1 working day)
• Payments made using other bank debit cards may take 1-3 working days for processing

Transaction Limits

Be aware of daily transaction limits on your debit card, which might affect your ability to make large credit card payments.

Service Charges

Some payment channels might levy a nominal service charge for facilitating credit card payments through debit cards. Always check the applicable charges before proceeding.

Verification Process

Always ensure you receive a confirmation message or email after completing the payment to verify that the transaction was successful.

Setting Up Auto-Debit for Credit Card Payments

You can set up an auto debit facility if you are not able to make manual payments of your credit card bills.

Through Mobile App:

1. Log in to the Axis Bank Mobile Application
2. Access Services, then Credit Card, and then Auto Debit Payment
3. Choose the credit card for which Auto debit instructions should be set up.
4. Enable Auto Debit
5. Either you can pay the minimum amount or the total amount due. So, choose between the two options.
6. Select your preferred debit account
7. Confirm the setup

Through Internet Banking:

1. Log in to Axis Bank Internet Banking
2. Go to Services > Credit Card Services
3. Choose the credit card for which the Auto Debit instructions should be set up.
4. Navigate to More Services > Auto Debit Setup > Activate
5. Complete the setup process

Troubleshooting Common Issues

Payment Not Reflecting

If your payment doesn’t show up in your credit card account within the expected time duration:

• Check if the transaction was successful and not declined
• Verify if the correct credit card number was entered
• Contact Axis Bank customer service with your transaction reference number

Transaction Declined

Common reasons for declined transactions include:

• Insufficient funds in your debit card account
• Exceeding daily transaction limits
• Incorrect card details or OTP
• Temporary technical issues with the payment gateway

Technical Failures

In case of technical failures during payment:

• Take a screenshot of any error messages
• Note down the transaction reference number if generated
• Try an alternative payment method
• Contact Axis Bank customer support

Impact on CIBIL Score

Timely credit card payments have a significant positive impact on your CIBIL score . Payment history contributes approximately 35% to your credit score calculation. Consistent on-time payments using your debit card can help you maintain or improve your credit profile. Missed or delayed payments can damage your score on the other hand.

Conclusion

Making your Axis Bank credit card payments through debit cards offers convenience, security, and efficiency. With multiple payment channels available – from the official website and mobile app to ATMs and third-party payment apps – you can choose the method that best suits your preferences and needs.

By understanding the various payment options and following the step-by-step procedures outlined in this guide, you can ensure that your credit card payments are processed seamlessly and on time, enabling you to maintain a good credit score and avoid unnecessary fees. Remember that timely credit card payments are not just about avoiding penalties – they’re an essential aspect of responsible financial management that contributes significantly to your overall credit health.