How to Activate Axis Bank Credit Card

If you have recently applied for a credit card, specifically an Axis Bank credit card, we assume you are aware of the benefits a credit card can offer. But do you know that activating a new card right after you obtain it is important to secure your account before first use?

Many first-time users often wonder which method is most reliable and secure. In this blog, we will highlight how to activate Axis Bank credit card through multiple official methods, including internet banking, the Axis Mobile app, ATM authentication, and customer care support. Being aware of these channels can help you activate your card without delay and keep the entire process efficient.

What does activation mean, and when is it required, and why is it important?

Axis Bank issues every card in an inactive state as a safeguard against misuse. Card delivery alone does not complete the journey. As a cardholder, you must confirm your identity before the bank enables payments and ATM withdrawals. The system protects your money (credit line) and ensures only you can have access to the card.

Activation may also be required for brand-new, replacement, and upgraded cards issued under a higher credit limit. In some cases, activation may be necessary again after re-issuance due to a lost card or chip replacement. In all these scenarios, a bank-registered mobile number plays the central role because the bank permits activation only through the official contact number linked with KYC. Without correct mobile records, the bank may not open access to the credit line.

Axis Bank advises activating the credit card soon after delivery to avoid expiry of the initial OTP links or system lock due to prolonged inactivity. Timely Axis Bank credit card activation helps prevent unauthorised use before you start and allows seamless access to online payments for shopping, OTT subscriptions, utility bills, and more. Once you activate your account, you can also enjoy access to exclusive offers, such as cashback, discounts, and rewards on online transactions.

Read more: Axis Bank Credit Card Application

Steps to activate the Axis Bank credit card

1. Internet banking

   • Visit the Axis Bank website and log in to your account
   • Navigate to the ‘Accounts’ section, then select ‘My Credit Cards’
   • Choose ‘More Services’ and then click on ‘Credit Card PIN Change’
   • Confirm your selection by clicking ‘Go’
   • Enter your new PIN, and click ‘Next’
   • You will receive the NETSECURE code on your bank-registered mobile phone
   • Enter the NETSCURE code and confirm your PIN to finish the process

2. Axis Bank mobile app

   • Download the Axis Bank mobile app from the Play Store or App Store
   • Register & Login using your banking credentials
   • Go to the ‘Credit Card’ section and select ‘Activate Card’
   • Click on the ‘Unbox Card’ tab to verify the delivery of the card
   • To activate the card, tap on the ‘Envelope’ option
   • Set usage limit (National and International) if any
   • Click on the ‘Send OTP to set PIN’
   • Enter the OTP received on your bank-registered mobile number
   • Enter your new 4-digit PIN and then confirm it again
   • Enter your 6-digit MPIN (your app’s password)
   • Your Axis Bank credit card is now active and ready to use

   Note: As per RBI regulations, activate your credit card within 30 days to avoid suspension.

3. ATM

   As a first-time user, follow the instructions below to generate your OTP:

   • Go to an Axis Bank ATM and insert your credit card
   • Select ‘Set PIN’
   • Click on ‘generate OTP’
   • Enter the required details: Date of Birth, Card expiry date, and registered mobile number
   • Type in the received OTP
   • On the next screen, set up the new PIN, then reconfirm the PIN

   For users who have generated their OTP but have not generated their PIN, follow the steps below:

   • Insert your Axis Bank credit card at the nearest Axis Bank ATM
   • Select the ‘Set PIN’ option
   • Enter the OTP received
   • Now enter the New PIN and reconfirm the same
   • A confirmation message will be received on the bank-registered mobile number

4. Customer care IVR

   • Dial the Axis Bank credit card customer care number: 1860 419 5555 or 1860 500 5555
   • Listen to the IVR instructions to begin PIN generation
   • The system will ask you to enter your credit card details
   • Enter the OTP sent to your bank-registered mobile number during the call
   • After confirmation, you can set your new 4-digit PIN to finish activating your card

5. Bank branch

   • Visit the Axis Bank branch
   • Provide your credit card details and ID for verification
   • Ask the bank representative to assist you with the credit card activation process

6. WhatsApp

   • Save the Axis Bank’s WhatsApp number: 70361 65000 to your phone contacts
   • Send the message ‘Hi’ on WhatsApp to that number
   • Follow the on-screen instructions
   • Enter your credit card details and verify via OTP
   • Set a 4-digit PIN to finish the activation

Read more: How to Check Axis Bank Credit Card Status

Security tips before and after Axis Bank credit card activation

There are certain security tips to keep in mind before and after activating your card. First, always create a strong 4-digit PIN that is unique to you. Second, it is crucial to never share your card’s expiry date or CVV with anyone. Third, always make sure your bank-registered mobile number is up to date so you receive all timely alerts without fail.

Above all, once your card is active, you must remain vigilant. Be sure to track all SMS alerts and immediately monitor the first transaction after enabling the card. When making your initial swipe, prefer secure POS machines. Finally, for enhanced safety, turn off the tap-to-pay feature when the card remains unused for an extended period.

Activating an Axis Bank credit card ensures that the card is live on the bank network and ready for secure use. Online channels such as net banking, WhatsApp support, and Axis Bank’s mobile app, and offline channels such as a bank’s branch, ATM, and customer care IVR are a few steps to confirm ownership and protect the credit line before the first purchase.

This improves safety and reduces misuse. If you keep the registered mobile number active, monitor SMS alerts, and review card status in the app, it ensures smooth functioning. A clear understanding of how to activate Axis Bank credit card steps can help you start using the card and credit limit without confusion and with ease.

Frequently asked questions

1. How to activate Axis Bank credit card?

   You can easily activate your Axis Bank credit card using any of these online channels: net banking, Axis Bank’s mobile app, or WhatsApp. If you prefer to activate your card in person or by phone, use these methods: an ATM, the customer care IVR, or a bank branch.

2. Can I use the card abroad after activation?

   Yes, you can use the card abroad after activation. You just need to make sure international usage is enabled beforehand.

3. Can I use a different number to receive OTP if I can’t generate one on my registered mobile number?

   No, for security reasons, the OTP will only be sent to your bank-registered mobile number. If you need to change the number, you have a few options: visit a branch, use net banking, or contact customer care services.

4. How long do I have to activate my Axis Bank credit card?

   As per RBI guidelines, you must activate your card within the first 30 days of receiving it. Failing to complete the activation process may lead to the card being closed by the bank.

5. After activation, can I use my card for online payments immediately?

   Yes, you can generally use your credit card for online payments right away. Additionally, you can also manage limits for domestic, international, or contactless (tap-to-pay) transactions through the Axis Bank credit card mobile app or net banking.