Axis Bank Credit Card Cancellation: 3 Working Methods

Axis Bank credit card cancellation means you are permanently closing your card account with the bank. After closure, the card completely stops — you cannot swipe, use your limit, do online payments, or convert EMI. The bank will also stop future charges like annual fees or renewal fees.

In 2026, Axis does not provide a “close card” button in the mobile app, and there is no proper email ID closure option. Many customers search for it but won’t find it.

Instead, Axis gives working methods:

1. Customer Care call (no branch visit, agent verification)
2. Axis Online Support portal
3. Chat Agent (actually quite effective)

Once you confirm and clear dues, the bank processes closure.

Method 1: Closing Axis Credit Card by Customer Care Call

First thing — you can close the Axis credit card by phone, no branch visit needed. But you must call from your registered mobile number only. If you call from another number, the system usually will not allow verification.

1 Step – Dial properly

Call 1800-103-5577 from your own registered number. You can use the speaker and sit comfortably because the call takes some time.

2 Step — Select language

Choose the language first, then press 3 for Credit Card.

3 Step — Don’t cut the call

The system will start reading your statement and the due amount. Many people think this is final and disconnect — but actually the real option comes after this. So just wait.

4 Step — Reach the officer

After announcement, IVR gives option to talk to an executive → press 11. Then you will connect to the retention/closure team officer.

5 Step — What you should say

Keep simple. No argument needed. Just say: “I want to permanently close my credit card.” If they ask the reason, you can say: “Currently, I am not finding it useful for my spending. Please proceed with permanent closure.”

(If you complain, they troubleshoot. If you say money problem, they push EMI or settlement.)

6 Step — Expect retention offers

The officer will try to solve your problem. They may offer:

• annual fee waiver
• bonus reward points
• limit increase
• downgrade card
• lifetime free conversion

You can decide:

• High annual fee → ask downgrade
• Good old limit → convert to LTF
• Not useful → continue closure

If you still want closure, clearly say: “This is my final decision. Please generate the closure request.”

7 Step — Verification

They will confirm some details, such as Date of birth, or sometimes your last transaction amount. Just answer normally.

8 Step — Service Request number (Very Important)

They will give a Service Request OR Token number. Write it immediately somewhere safe. Without this number, later you cannot prove you requested closure if charges are generated.

After a request, it will be received at your email or mobile number.

Method 2: Axis Bank Online Support Portal

This method is actually useful if you don’t want to sit on call waiting. You are basically sending a request directly to the card closure team.

• Step 1 = First, open this page in a browser: https://application.axis.bank.in/webforms/axis-support/index.aspx
• Step 2 = Scroll down a little and find the “Reach Us” section. There you will see “Connect via Email” — open it.
• Step 3 = Select category properly: First, choose product – Cards, and choose a specific Credit Card. select Issue → Not listed here
• Step 4 = Select Your Customer ID and Fill your details carefully:
  • Your Email ID and Name
  • Registered mobile number
  • Last 4 digits of your credit card
• Step 5 = In the message box, just write a good 100-word Small Email including your closure reason and tell i already paid all the amounts. No long explanation needed.
• Step 6 = Submit the form. After submission, Axis generates a ticket OR Service Request (SR) number. Save it or screenshot it — this is your proof.
• Step 7 (optional but helpful) = You can attach your PAN card PDF for verification. Not compulsory, but sometimes closure happens faster.

What actually happens? Your request goes to the same credit-card closure department that handles phone calls. So, unlike waiting on IVR, you directly reached the back-office team.

Method 3: Online Chat With Axis Agent Method

This one many customers don’t know, but honestly, it works quite well. You don’t have to call; just chat, and the agent can raise the closure request from their side.

• Step 1 = Open the same Axis support page and choose “Chat With Agent.”
• Step 2 = Enter your registered mobile number OR Email ID and complete OTP verification.
• Step 3 = After a short wait, an executive will join the chat.
• Step 4 = Start clearly. Just type: “I want to permanently close my credit card. All dues are paid.”
• Step 5 = The agent will verify basic details:
  • last 4 digits of the card
  • date of birth
  • sometimes address or simple questions
• Step 6 = They may ask the reason. You can simply say: “I am not using the card, so I want to close it.” No need for long explanation.
• Step 7 = The agent will then raise a closure Service Request (SR number) on your behalf. You will get an email instantly. Save or screenshot the SR number — this is your proof.

Important to know = Chat agents are not just support staff. They use the same internal banking system as call officers, so your request directly goes to the credit-card closure department.

Axis Credit Card Closure — How Much Time Does It Takes

The closure process is not random. Banks follow an RBI timeline, so once your request is properly raised and dues become zero, they cannot keep it pending for long.

1. Acknowledgement — within 24 hours

After call, chat, or portal request, you should receive an SMS or email that your request is registered. If you don’t get it, then most likely request was not created properly — you can call again and confirm.

2. Card Closure — within 7 working days

After full payment clears in system, Axis normally closes the card in this period. Sometimes it happens faster also, but bank officially keeps this window.

3. Delay Penalty (important rule)

If closure goes beyond 7 working days, the bank has to pay about ₹500 per day compensation until they close it. So you can follow up confidently.

4. Credit Report Update — 30 to 45 days

CIBIL does not update instantly. After closure, around 4–6 weeks later, your report shows “Closed” status. So don’t worry if it still shows active for some time.

Why Delay Happens (Usually Small Reasons)

Mostly delay happens because the system still sees something pending:

• EMI or instant loan is active on the card
• Recent purchase not yet billed in the statement
• Auto-debit subscription (OTT, insurance, utilities)
• Request from a non-registered number or wrong email
• Tiny residual interest or late fee (even ₹5–₹20)

Unlike what people think, even a very small amount can block closure.

Quick Checklist (Better to Check Once)

Before you contact Axis, you can just verify these — it saves follow-up later:

• Clear full outstanding amount — not approximate, exact zero balance
• Redeem all your reward points first, optional but good idea. (after closure, they are gone)
• Shift subscriptions to another card, otherwise payment may fail
• Inform family add-on card users — their card will stop immediately
• Download last 6–12 months statements, later you may need them
• If you have other cards, keep atleast 70% available limit there — otherwise utilization may suddenly increase

If you do these before placing request, closure usually goes smoothly. But if you skip even one point, bank may not reject — they will just keep the request on hold, and you will feel the process is stuck.

FAQs