Axis Bank Credit Card Customer Care Number: A Complete, Practical Guide

Primary phone numbers and availability

Axis Bank operates dedicated 24×7 phone banking lines for credit cards within India. The two primary numbers published by the bank for credit card servicing are 1860 419 5555 and 1860 500 5555. These are “1860” non-toll-free lines: they are reachable from most Indian mobile and landline networks, and standard operator calling rates apply. Keep your registered mobile number handy; calling from it speeds up verification.

If you’re calling from outside India, use the international line +91 22 6798 7700 (Mumbai). International calling charges will apply. When dialing from abroad, include your country’s international access code, then India’s ISD code +91, then the number (for example, 001-91-22-6798-7700 from the U.S.). Overseas lines are also available 24×7, but call volumes may be lighter during Indian business hours (09:30–18:30 IST) if you prefer a shorter queue.

Always verify the latest contact options on the official site before you call: https://www.axisbank.com/support and https://www.axisbank.com/contact-us. Axis occasionally adds segment-specific lines (for Burgundy, NRI, or Corporate cards), and IVR menu labels can change without notice.

• India (24×7, chargeable): 1860 419 5555 | 1860 500 5555
• Overseas (24×7, ISD charges): +91 22 6798 7700
• Official support pages for updates: https://www.axisbank.com/support and https://www.axisbank.com/contact-us

How to talk to a human quickly (IVR tips) and what to keep ready

When you call, the IVR typically begins with language selection and product categories. For credit cards, choose the “Credit Card” or “Cards” option first. If you have your 16-digit card number and the card PIN, you’ll usually be able to authenticate faster and reach a live agent or self-serve most requests (limit increase request, statement copy, reward points, due date, etc.). If you don’t have the physical card, the IVR may accept your customer ID plus date of birth and registered mobile OTP as an alternative.

To minimize back-and-forth, keep this information ready: your 16-digit card number, your date of birth (DD-MM-YYYY), your registered mobile phone (to receive OTP), and the last transaction amount/date if you’re calling about a dispute. For address or email updates, an agent may ask additional KYC questions (for example, mother’s maiden name or PAN’s last four characters). For security, agents will never ask for your full CVV, full card PIN, full OTP, or netbanking password—hang up and re-dial if someone does.

If the IVR keeps looping, try these time-savers that commonly work: pick “Credit Cards,” then “Other Services,” then “Speak to Agent.” Calling during off-peak hours (08:00–10:00 or 21:00–23:00 IST) can reduce queue times. If the line disconnects, you can usually call back and continue with the same verification path without losing your place, as the system recognizes your registered number for a short time window.

Lost/stolen card, fraud, and urgent actions

Report a lost or stolen card immediately. Call 1860 419 5555 or 1860 500 5555 (India) or +91 22 6798 7700 (overseas) and choose the “Report Lost/Stolen Card” option in the IVR. In most cases, the system allows instant blocking before you reach an agent. Once a card is blocked, new transactions are declined; ask the agent to arrange a replacement card dispatch to your registered address. Note that courier timelines vary by city and PIN code, and a replacement/dispatch fee may apply as per the card’s schedule of charges.

If you see a suspicious charge, call immediately and ask the agent to raise a transaction dispute. Be ready with the amount, merchant name, and transaction date. The bank will log a service request (SR) and email/SMS you the SR number. You may be asked to submit a signed dispute form and supporting proof (for example, a police acknowledgment for stolen card cases, merchant communication for cancellations, or airline cancellation emails). Keep copies of everything you submit.

Time matters. Many card networks offer limited liability protection from the time you report the loss/fraud; notifying the bank promptly limits exposure. For online banking users, you can also temporarily block the card via Axis Mobile or Internet Banking as a first step, then follow up on the phone for a replacement and dispute documentation.

Self-service alternatives: app, web, and branch

For non-urgent requests (statement copies, reward points, limit increase eligibility, address/email changes), the fastest route is often digital. Use Axis Mobile or Internet Banking (https://retail.axisbank.co.in) to access card controls, enable/disable domestic/international usage, set online or contactless limits, redeem points (where applicable), download statements, and make payments. Most of these features are available 24×7 and complete in minutes.

If you prefer written communication, use the secure web forms linked from https://www.axisbank.com/support. These forms generate a ticket and send you an acknowledgement with a reference number by SMS/email. Do not email or upload card numbers, PINs, CVV, or OTPs; share only what the form specifically asks for. For physical submissions, visit the nearest Axis Bank branch with a government ID and your card or card copy (if available). Branches can accept dispute forms, KYC updates, and requests for card reissuance.

For courier/postal communications or escalations, the registered office and central correspondence address for the bank is: Axis Bank Limited, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai 400025, India. If you’re mailing documents, use a trackable service and include your SR number on the cover letter and envelope.

Escalations and complaint timelines

If your issue isn’t resolved on the first call, ask the agent for the Service Request (SR) number and the expected Turnaround Time (TAT). Standard TATs for card-related queries commonly range from 3 to 7 working days; chargeback investigations can take longer (often 30 to 60 days depending on card network rules). You can track progress via the app, support portal, or by quoting your SR on a follow-up call.

Axis Bank maintains a multi-level grievance redressal structure. Start with Level 1 (phone/app/web ticket). If unresolved beyond the promised TAT, escalate using the Grievance Redressal page: https://www.axisbank.com/grievance-redressal. Keep copies of prior correspondence, SR numbers, and any attachments you submitted, as they’re required at higher levels.

• Level 1: Register complaint via 1860 419 5555 / 1860 500 5555 or https://www.axisbank.com/support; note the SR number and quoted TAT (typically 3–7 working days).
• Level 2: If unresolved after TAT, escalate via the online Grievance Redressal form; include SR details and documents. You’ll receive a fresh acknowledgement and revised TAT.
• Level 3: Principal Nodal Officer escalation is available through the same page if Level 2 fails; attach all prior responses.
• RBI Integrated Ombudsman: If not resolved within 30 days from first formal complaint to the bank, lodge a complaint at https://cms.rbi.org.in under the RBI Integrated Ombudsman Scheme (Nov 2021). Provide full case history, SRs, and evidence.

When escalating, be specific: describe the transaction(s), dates, amounts, what was promised on earlier calls, and what resolution you seek (for example, reversal of INR X, waiver of fee Y, or card reissue). Clear, dated timelines and documentary proof significantly improve resolution speed.

Costs, security, and practical tips

Calls to 1860 numbers are chargeable at your operator’s rates; they are not toll-free. Many users find that short calls from a mobile plan with bundled minutes cost only a few rupees. International calls to +91 22 6798 7700 incur your carrier’s ISD rates. If you expect a long discussion (for example, disputes with multiple transactions), consider using the app to upload documents first and then phone support to reference your submission, which shortens call time.

For security, never disclose your full card number on a speakerphone in public, and never share OTPs, full PIN, or CVV with anyone—Axis Bank agents will not ask for these. If you receive an unexpected call claiming to be from the bank, hang up and call back using the official numbers listed above or on https://www.axisbank.com. If your phone is lost along with the card, borrow a phone and call immediately to block the card; then update your registered mobile number at a branch with ID proof.

Finally, after any service interaction, note the SR number and the agent’s first name, and set a reminder for the promised TAT. If you don’t receive an SMS/email update within that window, escalate via the grievance page with your SR and a brief chronology. This disciplined approach—call, document, follow-up—consistently yields faster, cleaner outcomes for credit card servicing.