How to close a Axis Bank credit card permanently?
Mithila Mukherjee
Asked 31 May 2026
5
I want to close my Axis Bank credit card to reduce the number of cards on my CIBIL report. What is the correct procedure and how long does it take?
2 Answers
Accepted
0
Vidya Sawant·8 May 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
16
Karan Manjhi·30 Apr 2026
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
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