How to Block or Close Your Axis Bank Credit Card

Axis Bank credit cardholders can easily block or close their credit card through both online and offline methods. This service is particularly useful in cases of loss, theft, or when you no longer wish to use the card. Here are the steps for both online and offline procedures to block your credit card.

How to Block Your Axis Bank Credit Card

If you lose your Axis Bank credit card or suspect it’s been stolen, there are several ways to block it quickly and prevent unauthorized transactions. You can use the following methods:

Via Customer Care

  1. Call Axis Bank customer care at 1860 419 5555 or 1860 500 5555.
  2. A customer care executive will ask for some personal and account details for verification.
  3. Once your identity is confirmed, they will block the card and issue a new one.

Using SMS Service

  1. Type: BLOCK XXXX (replace XXXX with the last 4 digits of your card number).
  2. Send this SMS to 5676782 from your registered mobile number.
    The bank will block your card and send you a new one to your registered address.

Via Mobile App

  1. Log in to your Axis Bank mobile app.
  2. Go to the Banking section and select Services.
  3. Select Credit Card and click on Block & Replace Card.
    The bank will block the card and send a replacement to your registered address.

Through Net Banking

  1. Log in to your Axis Bank net banking account.
  2. Go to the Account section.
  3. Under My Cards, click on More Services.
  4. Select Block Credit Card and choose the card you want to block.

Visit the Nearest Branch

You can also block your credit card by visiting the nearest Axis Bank branch. Inform the bank official, and they will block your card and guide you through the process.

No matter which method you use, Axis Bank will send you a replacement card to your registered address.

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Key Considerations & Potential Impacts of Closing Your Axis Bank Credit Card

Things to Keep in Mind Before Closing Your Credit Card Account

  1. Clear Outstanding Dues: Make sure all your dues, such as EMIs, loans, and balance transfers, are paid off before you close the card.
  2. Cancel Linked Payments or Subscriptions: Remove the card from all automated payments, subscriptions, or standing instructions to avoid failed transactions after the cancellation.
  3. Redeem Reward Points: Use any reward points you have earned before requesting cancellation, as these are typically lost once the card closure is processed.

Consequences of Closing a Credit Card Account

  1. Impact on Credit Score: Closing a credit card can negatively affect your credit score. This is primarily due to the reduction in your total credit limit, which can increase your Credit Utilization Ratio (CUR).
  2. Shortened Credit History: If the closed card was an older account, its closure will shorten your average credit history. A shorter credit history can reduce your creditworthiness in the eyes of lenders.

Before closing your Axis Bank credit card, look at the pros and cons and make a decision that aligns with your financial goals.

Axis Credit Cards

FAQs for Blocking or Closing an Axis Bank Credit Card

Yes, Axis Bank will automatically issue a replacement credit card and send it to your registered address after you block your old card.

  • Higher Credit Utilization Ratio (CUR): Closing a card reduces your total credit limit, which can increase your CUR and negatively affect your credit score.
  • Shortened Credit History: If the card you close is one of your oldest, it may shorten your credit history, which lenders use to assess creditworthiness.

Once a credit card is closed, reopening it may not be possible. You will need to apply for a new credit card if required.

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Please click the links below to find details and instructions related to Axis Bank Credit Cards that can help you in easily managing your card:

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