Axis Bank Credit Card EMI
Axis Bank's Hello EMI facility lets you convert credit card transactions above Rs.1,500 into EMIs at 1.75% interest per month (monthly reducing balance), across tenures of 6, 9, 12, 18 or 24 months. You can apply within 60 days of the purchase date through net banking, the Axis Mobile app, SMS or Axis Bank customer care.
Convert Axis Bank Credit Card Bill into EMIs
Axis Bank offers four different methods to convert your outstanding credit card bill into EMIs.
- Internet banking: Raising an EMI conversion request through net banking is one of the easiest options for converting your dues in to EMIs. Axis bank credit card net banking users can simply login to their respective accounts and check the transactions eligible for conversion into Hello EMI. They can select the transaction for conversion, the tenure of repayment and the corresponding interest rate from the same portal.Once the request is raised, they will receive an acknowledgment SMS and the application will be processed immediately. Once the amount is converted into EMI, they will again receive a confirmation SMS with the EMI details.
- Mobile banking: Through Axis bank's mobile banking app, Axis Mobile, users can apply for EMI conversion. You can do it in two ways. One is to select services> credit card> convert to EMI from the side menu. Once you select 'convert to EMI', the list of eligible transactions for EMI conversion will be displayed. Select the transaction for conversion, repayment tenure and agree to the terms and conditions and you're done.Another option is to click Accounts > credit card > convert to EMI. Choose unbilled transactions/current statement to view the list of eligible transactions. You can repeat the process mentioned above by selecting the transactions you wish to convert into EMIs.
- Send an SMS: You can also send an SMS to receive a call back from the concerned department which will receive your request for EMI conversion.Send an SMS EMI to 5676782 and await for the call. Make sure to have your credit card handy while on call.
- Call customer care: Axis Banks also allows its customers to avail the EMI facility by just making a call to its helpline numbers.You can call to Axis credit card customer care for all the requests related to EMI conversion. If everything seems fine you can book the facility on the same call. Make sure to check the interest rate, processing fee and any other conversion charges before giving your final concert.
Transactions above Rs.30,000 also qualify for Axis Bank's FLEXI EMI option, which adds extended tenures of 36 and 48 months to the standard choices.
Axis Bank Credit Card EMI Calculator
To know how much EMI you need to pay by converting your credit card payments into EMIs, you can use free EMI calculator powered by Axis bank. By simply adding your due amount and prefered repayment tenure you will get comprehensive details of your EMI along with the breakup. Follow the steps below to calculate your EMI.
Go to Axis bank credit card EMI calculator and enter the details. Enter your outstanding due and select tenure - 6, 9, 12, 18, or 24, and click calculate.
As soon as you hit the button, you will see a graphical representation of your EMI breakup along with the details. Axis bank's credit card EMI break up includes interest payable, processing fee, tax on interest and processing fee. It also tells you how much you are paying extra on your actual loan amount to give a clear picture.
The EMI breakup typically includes a processing fee of 2% of the transaction amount or Rs.250, whichever is higher, up to a maximum of Rs.1,500, with 18% GST charged on both the interest and the processing fee.
Things to Consider while Applying Axis Bank's EMI Conversion On Credit Card Bills
- The conversion option is not available for purchases involving gold, jewellery and also for cash withdrawals, balance transfers and card fees
- Once you have converted your credit card payment into EMI, any reward points earned on the original transaction will be reversed
- The card holders cannot close their credit card during the EMI tenure
- Requests by add-on cardholders will be billed to the primary card holder
- Corporate credit cards are not eligible for EMI conversion
- Foreclosure and cancellation charges will be levied if the user wants to pre-close or cancel the EMI facility before the end of the tenure
- If you cancel or foreclose the EMI within 7 days of booking, no foreclosure charge applies, though the processing fee is not refunded; foreclosing after 7 days attracts a charge of 3% of the outstanding principal or Rs.300, whichever is higher
Summary
Axis Bank's Hello EMI facility lets you convert eligible credit card transactions into affordable instalments across flexible tenures, at charges that vary with transaction size and repayment period. You can apply through net banking, the Axis Mobile app, SMS or customer care within 60 days of the purchase. Check the applicable interest rate, processing fee and foreclosure terms before converting a transaction to EMI.
FAQs on Axis Bank Credit Card EMI
1.What is Axis Bank's Hello EMI facility on credit cards?
Hello EMI is Axis Bank's facility that lets credit cardholders convert eligible transactions into equated monthly instalments. It works on transactions above a set minimum amount and lets you spread repayment over several months.
2.Which credit card transactions are eligible for Axis Bank's Hello EMI facility?
Most retail purchases above the minimum transaction amount are eligible for conversion into Axis Bank credit card EMI. Purchases involving gold, jewellery, cash withdrawals, balance transfers and card fees are not eligible.
3.How can I convert an Axis Bank credit card transaction to EMI through net banking?
Log in to Axis Bank net banking, go to your credit card account and view the transactions eligible for Hello EMI. Select the transaction, choose your repayment tenure and submit the request, and you will get an SMS confirming the EMI conversion.
4.Can I convert an Axis Bank credit card transaction to EMI using the Axis Mobile app?
Yes, you can open the Axis Mobile app, go to the credit card section and select Convert to EMI. Choose the eligible transaction and tenure, agree to the terms, and the request is submitted from the app.
5.Can I request Axis Bank credit card EMI conversion by SMS?
Yes, you can send an SMS request for Axis Bank credit card EMI conversion and a representative will call you back to process it. Keep your credit card details handy when you take the call.
6.Can I convert my Axis Bank credit card bill into EMI by calling customer care?
Yes, you can call Axis Bank credit card customer care and request EMI conversion over the phone. Confirm the applicable interest rate, processing fee and other conversion charges with the representative before agreeing.
7.What tenure options are available for Axis Bank credit card EMI?
Axis Bank's Hello EMI facility offers standard repayment tenures, with an extended FLEXI EMI option of 36 or 48 months available on larger transactions. You can choose the tenure that best fits your repayment capacity.
8.How will no-cost EMI work on my Axis Bank credit card?
No-cost EMI does not charge you any processing fee or interest on the converted amount. It is available only on select products and only at the participating merchant's outlet.
9.Am I allowed to pay my Axis Bank credit card bill through EMI?
Axis Bank lets you convert specific purchases on your credit card into EMI, but you cannot convert your entire outstanding bill amount into EMI. Only eligible transactions can be converted individually.
10.How long does Axis Bank take to process an EMI conversion request?
Once you raise a request, Axis Bank processes Hello EMI conversions promptly, and you receive an SMS and email confirmation with the amortisation schedule. Submitting the request does not mean the EMI has been created until this confirmation arrives.
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