Axis Credit Card Late Fee Reversal Guide
Last updated: 10 Nov 2026 (Asia/Calcutta). Figures and steps were checked against official issuer and RBI pages on this date. Banks can change fees and app menus; confirm the current schedule before you act.
Axis Bank publishes late-payment fees in its credit-card MITC, including a recurring extra ₹100 if the minimum due is missed two cycles in a row. The practical question is how you ask for a review: in-app chat is fine for a first, simple request; a written ticket is better when you need to prove a payment date.
Quick answer: Read the late-payment fee block in the current Axis Bank credit-card MITC PDF (the copy we opened on 10 November 2026). For most cards, the fee is Nil when total payment due is up to ₹500, then ₹500 / ₹750 / ₹1,200 / ₹1,300 by slab. Burgundy Private and PRIMUS are listed as waived. Raise a request in Axis Mobile or at the official Axis support portal, attach the UTR, and pay at least the minimum due. A reversal is not a published right if the fee was correctly charged.
This page is not affiliated with any bank. Phone numbers and emails below are copied from official pages we opened on 10 November 2026. If a page and a PDF disagree, treat the latest official document as the source and keep a screenshot.
Official Axis late-payment fee table
The MITC schedule we checked lists these late payment fees. Amounts are as printed; confirm whether tax is extra on your statement.
| Product / situation (as printed in the MITC) | Late payment fee |
|---|---|
| Burgundy Private Credit Card, PRIMUS Credit Card | Waived |
| All other credit cards — total payment due up to ₹500 | Nil |
| Total payment due between ₹501 and ₹5,000 | ₹500 |
| Total payment due between ₹5,001 and ₹10,000 | ₹750 |
| Total payment due between ₹10,001 and ₹50,000 | ₹1,200 |
| Total payment due greater than ₹50,000 | ₹1,300 |
| Recurring late payment fee (other credit cards): minimum due missed for two consecutive cycles | Additional ₹100, continuing each cycle until the minimum due is cleared |
This table is not the same as some older secondary-site versions that stopped at ₹1,200 above ₹10,000. The official PDF we opened splits the top into ₹1,200 (₹10,001–₹50,000) and ₹1,300 (above ₹50,000). Use the official PDF, not a remembered blog number.
A late fee sits beside interest if you revolve a balance — see how interest is calculated — and beside the cost of paying only the minimum, in the minimum amount due trap. Statement and due dates are explained in this explainer.
Axis late-fee calculator
Enter the total payment due that the MITC uses for the slab. The calculator applies the table above and an 18% GST illustration. It does not add the extra ₹100 for two consecutive missed minimum dues, and it does not apply the Burgundy Private / PRIMUS waiver — those cardholders should treat the published fee as waived only after they reconfirm the current MITC.
Axis late-payment fee illustration (other cards)
Slabs from the official Axis MITC PDF checked on 10 Nov 2026. Not a bill. Extra ₹100 consecutive-cycle charge not included. Exceptions (Burgundy Private, PRIMUS) are waived in that MITC.
App chat vs email vs phone
- Axis Mobile chat or support ticket: best first step. You get a time-stamped transcript and a request number. Keep it to one issue: this cycle’s late fee.
- Official support portal: application.axis.bank.in/webforms/axis-support/index.aspx is listed in the MITC for contacting the bank. Use it when you need to attach a PDF statement and UTR.
- Phone: the MITC lists 1860 500 5555 or 1860 419 5555 (charges applicable) and toll-free 1800 103 5577. ACE, Burgundy Private and some premium cards have different numbers, listed in the Axis points-expiry article and in the MITC contact block.
- Email: the MITC prints a specific inbox for ACE cards (service.acecard@axis.bank.in). For other cards, prefer the official portal rather than an inbox guessed from a forwarded mail. Escalations can go to the Nodal Officer at nodal.officer@axis.bank.in after the first response fails.
More context on reaching a human is in credit card customer care. Never share CVV, PIN or OTP in chat.
Step-by-step request
- Screenshot total payment due, minimum due, due date, payment date and the late-fee line.
- Attach the payment receipt. The relevant date is when funds were credited.
- Open Axis Mobile or the official support portal and describe the request in one short paragraph.
- If chat is closed without a written outcome, follow up through the portal with the chat reference.
- Pay the current minimum due immediately, especially if this may become a second consecutive miss (extra ₹100, and a path to points forfeiture after 90 days — see Axis reward points expiry).
Written template (portal or email)
Subject: Request to review late payment fee — Axis Bank credit card ending [XXXX] Dear Axis Bank Customer Care, I am the primary cardholder of Axis Bank credit card ending [last 4 digits], registered mobile [number]. My statement dated [date] shows a late payment fee of ₹[amount] plus any tax. Total payment due was ₹[amount]. The due date was [date]. I paid ₹[amount] on [date] via [mode], reference [UTR]. Please review this fee against the official MITC schedule. [Choose one: I believe the minimum due was credited on or before the due date and the fee was levied in error / I was late on this occasion and request a one-time goodwill reversal. This is my first delay in (period).] I have paid / will pay the current minimum due. Please share a service-request number and the decision in writing. I will not share my PIN, OTP or CVV. Thank you. [Full name]
Worked example
Total payment due ₹22,000, minimum due missed. The official slab for ₹10,001–₹50,000 is ₹1,200. An 18% GST illustration is ₹216, totalling ₹1,416, before interest and before any extra ₹100 if this is a second consecutive missed minimum due. If you had instead paid down the due to ₹400 before the due date, the printed slab would be Nil (up to ₹500), provided that also satisfied the minimum due rule.
From April 2027 a grace-period change may apply to some late fees — read the future rule here — but it does not alter a due date that has already passed. RBI’s current card Directions (updated 1 October 2026) still require clear disclosure and a grievance path, not an automatic fee waiver.
FAQ
What is the official Axis Bank late payment fee?
The Axis Bank credit-card MITC PDF we opened on 10 November 2026 lists, for cards other than the stated exceptions: Nil if total payment due is up to ₹500; ₹500 if it is between ₹501 and ₹5,000; ₹750 between ₹5,001 and ₹10,000; ₹1,200 between ₹10,001 and ₹50,000; and ₹1,300 if greater than ₹50,000. Late payment fees are waived for Burgundy Private and PRIMUS credit cards in that table.
What is the extra ₹100?
The same MITC lists an additional ₹100 for missing payment of the minimum amount due by the due date for two consecutive cycles, which then continues each cycle until the minimum due is cleared. It is labelled as a recurring late payment fee for other credit cards.
Should I use app chat or email?
Start in Axis Mobile or the official support portal so you get a ticket number and a transcript. Use email or the portal’s written form when you need to attach a UTR and statement. Phone numbers are in the MITC contact block. Chat is faster for a simple first-time request; email is better when dates are disputed.
Will Axis reverse the fee?
There is no published automatic reversal for a fee that was correctly levied. A first delay or a payment that was credited on time but still attracted a fee can be reviewed. Pay the current minimum due while you wait.
Do Burgundy Private and PRIMUS cardholders pay this late fee?
The MITC table we checked marks late payment fee as waived for Burgundy Private and PRIMUS. Confirm that line in the current MITC for your exact product before you assume a nil fee.
Can unpaid dues also kill my reward points?
Yes, separately. Official Rewards terms (effective 1 October 2025) allow forfeiture of unredeemed EDGE points if the minimum amount due is outstanding for more than 90 days. Pay the due, then read the points-expiry guide.
About the author. Written by the Credit Card Customer Care editorial desk. We explain Indian credit-card processes in plain language and link every fee figure to an official issuer or RBI page we opened on the date above. This is general information, not personalised financial, legal or tax advice, and we are not the bank.
Disclaimer: A waiver or reversal is never guaranteed. Spend-based waivers apply only if your card’s current terms say so. After a fee is posted, any reversal is usually a goodwill decision by the issuer. Pay at least the minimum due on time while you wait. Verify charges on your statement and on the issuer’s latest MITC or Key Fact Statement.
