If you’re an Axis Bank credit cardholder and you wish to deactivate your card for any reason, it’s important to know that Axis Bank provides simple, convenient methods to complete this task online. Whether it’s due to the credit card being lost, stolen, or simply no longer needed, deactivating it ensures that you’re safeguarding yourself from unauthorized transactions or unnecessary charges.
This guide outlines the most efficient ways to deactivate your Axis Bank credit card online, ensuring you can accomplish it securely and without visiting a bank branch.
Why You May Want to Deactivate Your Axis Bank Credit Card
There are numerous reasons why someone might need to deactivate an Axis Bank credit card. Some of the common scenarios include:
- Lost or Stolen Card: If your credit card is lost or stolen, deactivating it will prevent unauthorized access and transactions.
- Upgrading to a New Card: Sometimes, a cardholder upgrades to a card with better features or rewards, making the old card unnecessary.
- Avoiding Overspending: If you are practicing better financial discipline, deactivating a card can prevent overspending and improve control over your expenses.
- No Longer Needed: If you no longer use the card or have a sufficient number of other credit cards, deactivating it can streamline your financial obligations.
How to Deactivate Axis Bank Credit Card Online: Different Methods
Axis Bank has facilitated its customers by providing multiple online methods to deactivate or cancel their credit card. These are some of the most commonly used online channels to deactivate your Axis Bank credit card without needing to visit a branch.
1. Deactivate Axis Bank Credit Card via Mobile App
The easiest and most convenient way to deactivate your Axis Bank credit card online is through the Axis Bank mobile app. With just a few clicks, you can safely request the deactivation of your credit card.
Follow these steps:
- Log into the Axis Mobile App: Begin by opening the Axis Mobile app on your smartphone. If you don’t have the app installed, download it from the Google Play Store or Apple App Store and log in with your credentials.
- Navigate to Credit Card Section: Once logged in, go to the section labeled ‘Credit Cards’ where you will find all your registered cards displayed.
- Select the Card You Wish to Deactivate: From the list of credit cards, choose the one that you would like to deactivate.
- Select Deactivation Option: After selecting the card, you’ll have the option to ‘Block’ or ‘Deactivate’ the card. Click on the appropriate option and confirm your action.
- Authenticate: To ensure security, Axis Bank may ask you to confirm the action through a One-Time Password (OTP) or other verification method.
- Confirmation: Once authenticated, the app will notify you that the credit card has been successfully deactivated.
2. Deactivate Axis Bank Credit Card via Internet Banking
Another effective method is by using Axis Bank’s Internet Banking platform. This online process is just as secure and allows you to deactivate your Axis Bank credit card directly from your desktop or laptop.
Steps to follow:
- Log in to Internet Banking: Visit Axis Bank’s official website and sign in to your account using your customer ID and password.
- Go to the Credit Card Section: After logging in, navigate to the ‘Credit Cards’ section where all your Axis Bank credit cards will be listed.
- Select the Card: Choose the credit card you want to deactivate.
- Initiate the Deactivation Process: Once selected, click on the option that allows you to deactivate the card. It may be labeled as ‘Block’ or ‘Close’ Credit Card.
- Confirm Your Action: You may be prompted to verify your action via OTP or by answering a few security questions.
- Final Confirmation: Upon successful verification, your credit card will be deactivated, and you will receive a confirmation message on your registered mobile number and email address.
3. Deactivate Axis Bank Credit Card via Email
If you prefer not to use the mobile app or internet banking, you can deactivate your Axis Bank credit card by sending an email request to the bank. While this method may take a little longer, it remains a valid option.
Steps:
- Draft an Email: Compose an email to Axis Bank’s customer care at [email protected].
- Include Necessary Details: In the email, mention your credit card number, customer ID, and explain your request to deactivate the card.
- Submit and Wait for Confirmation: Send the email and wait for a response from the bank. Axis Bank will typically reply with a confirmation request or will process the request directly.
- Confirm the Deactivation: Once you receive a confirmation email from the bank, your credit card will be considered deactivated.
4. Deactivate Axis Bank Credit Card via Customer Care
While this is not strictly an online method, you can still call Axis Bank customer care to request deactivation of your credit card.
Steps:
- Call the Customer Care Number: Dial the Axis Bank toll-free number at 1860-419-5555 or 1860-500-5555.
- Request Deactivation: Once connected, explain your request to the customer service representative and provide the necessary details.
- Verify and Confirm: You may be asked to verify your identity through security questions or an OTP sent to your registered mobile number.
- Receive Confirmation: The representative will confirm that your credit card has been deactivated, and a confirmation message will be sent to your registered email or phone number.
Points to Keep in Mind Before Deactivating Your Axis Bank Credit Card
Before you proceed with deactivating your Axis Bank credit card, there are some important considerations to ensure a smooth process:
- Clear Outstanding Dues: Ensure that all outstanding balances on the card are cleared. If there are any pending dues, the deactivation request might not be processed.
- Redeem Reward Points: Before closing or deactivating the card, make sure to redeem any unused reward points, as these might be forfeited upon deactivation.
- Cancellation of Autopay Facilities: If your card is linked to any recurring payments or auto-debits, such as utility bills or subscriptions, update your payment details to avoid any interruptions in service.