Axis Bank Credit Card Statement

Axis Bank credit card statement summarises the transactions for a billing cycle. Reviewing the statement regularly will enable you to review your spending habits and budget the expenses as per your monetary status. Ways of Axis Bank credit card statement download is discussed in this article.

Axis Bank Credit Card Statement

All Axis Bank Credit Cardholders will get a monthly statement for a billing cycle. If the billing cycle is from the 21st of a month till the 20th of the next month, the statement will contain the transactions on the card for the billing cycle. The payment due date will be mentioned in the Axis Bank Credit Card Statement. To avail of the interest-free facility, you will have to make the total payment due on or before the date. So use any of the Axis Bank Credit Card Statement download modes to download the statement for review and payment within the due date.

What is Axis Bank Credit Card Statement?

Axis Bank Credit Card Statements a synopsis of all the transactions on a credit card for a billing cycle. You will have all the required details in a single statement. The particulars of the purchases and other transactions made with details of the merchant partner, date, amount, etc., will be mentioned clearly. You can easily identify the transactions you have initiated and those you have not. If you feel you have not initiated any of the transactions included in the statement, you can report it as suspicious for further action. If needed, you can get the card blocked and request a replacement as it is dangerous to hold a credit card when the information is compromised.

Reviewing the statement every month is very important to know the legitimacy of the transactions. You will learn the total amount due, the minimum amount due, and the due date within which the amount has to be repaid to avoid penalty. In addition, Axis Bank has provided various offline and online modes to view and download the Axis Credit Card Statement.

Additional Info: Check Axis Bank Credit Card Login details.

How to Avail Axis Bank Credit Card Statement Online?

The following are the ways to avail of Axis Bank Credit Card Statement online.

Axis Bank Credit Card Statement through Axis Support

Axis Bank has a dedicated portal to download statements online without accessing net banking. Customers who do not hold an account with Axis Bank can download their credit card statements through this portal. The procedure to be followed will be

• Access the Axis Support portal on https://application.axisbank.co.in/WebForms/ axis-support/sub-issues/Cards-Credit-statement-2.aspx
• Click on ‘Download using Registered Mobile Number’
• Enter OTP sent to your registered mobile number
• Choose the Credit Card Number for which statement is required.
• The latest statement will be downloaded on your device.

Axis Bank Credit Card Statement through Mobile App

• Login to Axis Bank Mobile App
• On the Mobile banking home, page choose Credit Card.
• Select the card for which the statement is required.
• Click on Last Bill Amount and then ‘Past Statement.’
• Choose the month for which the statement is required.
• Click on the view statement.
• You can also download the statement in PDF format.

Axis Bank Credit Card Statement through Net Banking

• Login to Axis Bank Net Banking using Net Banking credentials
• Under Snapshot, choose credit cards.
• Then choose the credit card for which a statement is required.
• Click on View Statement.
• A detailed statement will be displayed on the screen.
• You can also download the statement in PDF format.

Axis Bank Credit Card Statement through Email

Register for the E-Statement facility. Give the details of the credit card for which an E-Statement is required. After registration, you will receive the Axis Bank Credit Card Statement through Email for every billing cycle.

How to Avail Axis Bank Credit Card Statement Offline?

If you are not tech-savvy or do not have internet, you can get Axis Bank Credit Statement delivered to your address by placing a request through phone banking or visiting the branch.

Through Phone Banking

To avail of this service, you register yourself for phone banking to get the six-digit password. Once registration is done, you can follow the procedure given below to request Axis Credit Card Statement.

• Axis Bank Credit Cardholders can call the phone banking numbers 1800 419 5555 or 1800 500 5555 and request the Axis Bank Credit Card Statement.
• You will be asked to provide some credit card details to authenticate the request.
• The phone call should be made from the mobile number registered with the Bank.
• On authentication, your request will be processed, and you will get the statement at your mailing address.

Through Bank Branch

• You can also visit the nearest bank branch and request Axis Bank Credit Card Statement.
• A nominal fee will be charged to process the request.
• Historical Statements can also be got if required.

How to Check Axis Bank Credit Card Statement?

Credit Cards are a very convenient way for offline and online transactions. You have access to instant funds and can carry out transactions without bothering about having cash on hand all the time. But one must remember that credit card liability is an unsecured loan that attracts hefty interest rates and can become a huge burden if not paid on time. Using the credit card judiciously and making the best use of the interest-free period will be in your interest. To understand your spending habit and curtail unnecessary spending, it is essential to review the Axis Bank Credit Card Statement for every billing cycle.

The sections that you will have to keenly observe in the axis Credit Card Statement are

• Billing Cycle: This is the time gap between two statements. Normally the gap will be 30 days, the statement will be generated on the 31st day, and the payment due date will be 20 days after the statement date. For instance, if the billing cycle is December 21st to January 20th and the statement is generated on January 21st, the payment due date will be February 10th. If you observe keenly, you will get exactly 50 interest-free days which you can take advantage of.
• Payment due date: This is the most crucial section. You should note the payment due date and make the payment of either the total amount due or the minimum amount due on or before the due date. Payment made after the due date will attract delayed payment charges and interest.
• Transaction Details: You should invest some time to go through this section. It details the particulars of the transactions made during the billing cycle. It will comprise the transaction date, merchant partner details, amount of transaction, credits to the credit card account, fees collected. In addition, you should check every transaction in detail. If you spot any discrepancy concerning the purchase transactions or the fees, it should be brought to the notice of the Bank for sorting the issue.
• Total amount due: The total amount due is the amount payable for the billing cycle. If you have to take advantage of the interest-free days, it is recommended to pay the total amount due for every billing cycle.
• Minimum amount due: If you have opted for revolving payment, you will be allowed to pay a minimum amount, i.e., 5% of the total amount due. The balance liability will be carried over to the next billing cycle, but interest at 3.5% per month will be charged on this amount.
• Credit Limit: This is the limit fixed on the credit card in proportion to your income. You should be aware of this and should always make it a point to limit your utilisation to 50% of the limit as utilisation beyond 50% can impact your score. Also, you should never transact beyond the credit limit. Besides marring your financial responsibility, it will also attract over-limit charges.
• Other information: You should periodically check the charges, fees and interest collected for the credit card. The Bank keeps revising the charges for credit cards periodically, and you should keep track of the same. If you feel that any charges collected are not legitimate, then you can bring them to the notice of the Bank for further action.
• Reward Points: These are loyalty points you earn for every transaction on the card. You can collect the same and redeem it for exciting catalogue products or for other services like booking flight tickets, movie tickets, hotel bookings, utility bills payment, recharge of mobile or DTH etc. You should redeem the points from time to time. Else, the points will expire, and you will not be eligible for the benefit.

How to register for Axis Bank Credit Card Statement?

The registration for Axis Credit Card Statement online can be done either through mobile banking or phone banking. On registration, the Axis Credit Card Statement will be sent to your Email ID for every billing cycle.

Registration through Mobile Banking

• Log on to Axis Mobile Banking App
• Under the Credit Cards Section, select the credit card for which a statement is required.
• Go to the ‘Total Controls’ option and click on ‘E-Statement activation.’
• Select the credit card and continue.
• The request will be sent, and the processing for the E-Statement will begin.

Registration through Phone Banking

• Call the Axis Bank Credit Card Customer Care on 1800 419 5555 or 1800 500 5555 to place a request for Axis Bank Credit Card E-statement through phone banking.
• The call should be made from the registered mobile number.
• The Customer Care representative will require some credit card details for authentication of the request.
• On authentication, the request for E-statement will be accepted and will be processed.

Features & Benefits of Axis Bank Credit Card Statement

The following are the features and benefits of the Axis Bank Credit Card Statement.

• A credit card statement is an excellent tool that will help in toning your financial discipline.
• It is a summary of all the transactions on your credit card for a billing cycle.
• You will be able to get the Axis Bank Credit Card Statement free of cost and will be able to view the statement in the comfort of your home or office.
• Several modes of Axis Credit Card Statement Download online makes it even more convenient for cardholders.
• As the statement contains the complete information about the transactions on the card and the fees and charges collected on your card, you will be able to track transactions and fees, and charges that you think are not legitimate.
• Cardholders can keep track of the reward points that they have earned and can redeem them periodically for attractive offers and gifts.
• On reviewing the statement, you will know where you are going overboard on spending and curtail such expenses. The statement basically helps you for prudent management of funds.

Most Common Terms Mentioned in Axis Bank Credit Card Statement

Some of the common terms mentioned in the Axis Bank Credit Card Statement are:

• Statement Period: The period for which the statement is generated, which normally be around 30 days, is the statement period. The statement has details of transactions on the card for this period.
• Statement date: The date on which the statement is generated.
• Total Amount Due: The outstanding card liability for a billing cycle is the total amount due.
• Minimum Amount Due: This will normally be 5% of the total amount due. If you have to avoid a delayed payment penalty, you should at least pay the minimum amount due within the due date.
• Payment Due Date:The date within which either the total amount due or the minimum amount due has to be paid.
• Closing Balance: This will ideally be the total amount payable for the particular billing cycle. This will be a sum of ‘Opening Balance + Purchases+other charges-credits and refunds’
• Available limit: The limit that is available for utilisation after the transactions for a billing cycle.

Axis Bank Credit Card Statement FAQs

Can I download my credit card statement?

You can use the various Axis Credit Card Statement download modes to download the statement. Net Banking, Mobile Banking and E-statement are the three modes where you can download the statement.

How to open the E-statement received through Email?

The E-statement will be encrypted and password protected. You will need a password, i.e., generally the first four letters of your name as on the card and the last four digits of your credit card. Download the E-statement and open it using the password.

What will be the frequency of credit card E-statements?

You will receive the credit card E-statements every month post the statement generation date.

Are the E-statements chargeable?

Axis bank does not charge for E-statements. But if you place a request for a credit card statement at the bank branch, you will be charged a nominal fee for the service.

Can I view the Axis Bank Credit Card Statement without Net Banking?

There is an online portal for non-customers of Axis Bank to view their credit card statement.