Through balance enquiry, customers can know how much amount they have spent using their credit card before the bill arrives. This way they can keep a check on their budget and maintain a fair credit limit on their card. There are various ways to check Axis Bank credit card balance through SMS, internet banking, mobile app and by calling customer care. Read on to know the ways of Axis Bank credit card balance enquiry.
How to Check Axis Bank Credit Card Balance?
The various ways through which consumers can keep a track of their credit card balance are:
How to Check Axis Bank Balance through Internet Banking
For balance enquiry through Net Banking follow the steps mentioned below:
- Login to the Axis Bank internet banking portal
- Go to the ‘Credit Card’ section
- Select the ‘Balance and Payments’ option
- Choose the credit card to check the balance and submit
How to Check Axis Bank Credit Card Balance through Mobile App
The Axis Bank Mobile App is a convenient way of getting all the credit card related details quickly. Follow the simple steps given below for the same.
- Download the Axis Mobile application from the Google play Store or App Store
- Log in to the app
- Go to the menu and select Credit Card section
Customers can now see their credit card balance.
Call Axis Bank Customer Care to Check Credit Card Balance
Customers can also call the customer care cell to know their Axis Bank Credit Card Balance by calling on 1860-419-5555 or 1860-500-5555.
Axis Bank Credit Card Balance Enquiry through SMS
Another way through which one can know their Axis Bank Credit Card Balance is via SMS. Send an SMS with the code, BAL [account-number] to 5676782. The SMS should be sent from the registered mobile number.
What is Axis Bank Credit Card Balance?
The statement balance is the amount which the cardholder owes to the bank. This includes both the unbilled as well as billed amount.
Customers who know their credit card balance have a lower chance of going over the credit limit. This will save them from the embarrassment of getting their card declined and also stay on top of their budget.
What is the difference between the Outstanding Balance and the Credit Balance?
The Outstanding Balance is the amount that needs to be paid by the cardholder. This is the amount that isn’t billed in a statement cycle. Credit Balance on the other hand is the amount that the bank owes to the customer. It can be in the form of cash back, rewards, and so on.
In the event of non-payment of the outstanding amount, what does the bank do?
If a cardholder has paid the minimum amount due on the card, an interest is charged on the balance carried forward. But in the case of a complete non-payment the card might be deactivated and late payment fee along with finance charges will be applied.
What process does one need to follow to increase the Credit Limit?
If you want to increase your credit card limit you will have to put in a request with the bank. They will check your credibility for the same and may enquire why you want the increase and other relevant information. If the bank is satisfied with it, they will grant an increase.
Can I have multiple credit cards of Axis Bank at the same time?
Yes, it is possible to have multiple credit cards provided you keep a good credit score and pay your dues on time.
What is the process to block or stop the use of one of the Axis Bank credit cards owned by me?
Simply inform Axis Bank that you would like to discontinue a particular card and answer any further questions that they might have. Do note that after deactivating the card cut it into pieces, to prevent fraud and identity theft.