Axis Bank Customer Care: Credit Card Complaint Number, Email and Grievance Redressal Steps (2026)
News
by
Wisor
A wrong charge on your Axis Bank credit card. A dispute that's been open for weeks, a fee that should have been reversed, or a card closure that never happened. You've called Axis Bank customer care, and you're still waiting for a fix.
Axis Bank publishes one of the clearest escalation matrices of any Indian bank, with named emails and phone numbers at every level. Here's exactly how to raise an Axis Bank credit card complaint and escalate it.
Axis Bank credit card customer care: quick contacts
What you need | Contact |
|---|---|
Axis Bank customer care (toll-free) | 1800 4030 or 1800 8911 |
Phone banking (standard call charges) | 1860 419 5555 or 1860 500 5555 |
From outside India, or to report a lost card | +91 80 6802 6802 or +91 40 4886 8888 |
Axis Bank complaint email ID | email.services@axis.bank.in |
Online complaint | The Axis Support page, internet banking or the Axis Mobile app |
Check the status of a complaint | 1800 419 0068 |
Level 2: Nodal Officer | nodal.officer@axis.bank.in or 080-61865200 |
Level 3: Principal Nodal Officer | pno@axis.bank.in or 080-61865098 |
Commercial or corporate credit cards | 1800 419 0097 (toll-free) or 1860 500 4971 |
Card fraud | Block the card through customer care or the app, then also report it on the National Cyber Crime Helpline, 1930 |
Is Axis Bank customer care 24x7? Axis Bank's IVR is available 24x7. Agents for credit card and account services are available from 8 am to 8 pm, per Axis's support page.
How to raise an Axis Bank credit card complaint: step by step
Step 1 (Level 1): Contact Axis Bank customer care
Call: 1800 4030 or 1800 8911 (toll-free), or 1860 419 5555 / 1860 500 5555
Email: email.services@axis.bank.in
Online: the "Raise a Complaint" option on the Axis Support page, internet banking or the Axis Mobile app
Branch: any Axis Bank branch
Axis's grievance policy says it gives a final response within 30 days, or within the timelines set by RBI, NPCI or card networks for things like frauds, disputes and chargebacks. If it decides to reject your complaint fully or partly, it's automatically reviewed by Axis's Internal Ombudsman first.
Step 2 (Level 2): Escalate to the Nodal Officer
If you're not satisfied with the Level 1 response, escalate to the Nodal Officer:
Email: nodal.officer@axis.bank.in
Online: the "Escalate to Nodal Officer" form on the Axis Support page
Phone: 080-61865200 (9:30 am to 5:30 pm, Monday to Saturday, except 2nd and 4th Saturdays and bank holidays)
Post: Nodal Officer, Axis Bank Ltd, NPC1, 5th Floor, "Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
For complaints about a specific branch, Axis also lists a Circle Nodal Officer for each region on its support page.
Step 3 (Level 3): Escalate to the Principal Nodal Officer
If you're still not satisfied, escalate to the Principal Nodal Officer:
Email: pno@axis.bank.in
Online: the "Escalate to Principal Nodal Officer" form on the Axis Support page
Phone: 080-61865098 (9:30 am to 5:30 pm, Monday to Saturday, except 2nd and 4th Saturdays and bank holidays)
Post: Principal Nodal Officer, Axis Bank Ltd, NPC1, 5th Floor, "Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
Worth knowing: Axis's September 2026 policy says that once a Level 1 complaint has been rejected and reviewed by its Internal Ombudsman, your next step is normally the RBI Ombudsman. You can still go to the Nodal Officer or Principal Nodal Officer if you have new information you want the bank to review, but Axis treats that as a fresh complaint.
Step 4 (Level 4): Go to the RBI Ombudsman
If Axis hasn't resolved your complaint within 30 days (or the longer RBI, NPCI or card network timeline), or you're not satisfied with its response:
Online: cms.rbi.org.in, where you can also track your complaint
Email: crpc@rbi.org.in
Help line (not for filing): 14448
Post: Centralised Receipt and Processing Centre (CRPC), Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017
You must file within 90 days of Axis's timeline expiring or its last reply, whichever is later. It's free, and you don't need a lawyer or an agent.
Axis Bank's complaint turnaround times
Type of complaint | Axis Bank's timeline |
|---|---|
Failed POS or online card transaction (card charged, merchant not paid) | T+5 days |
Card-to-card transfer failures | T+1 day |
Fraudulent or unauthorised transactions | 90 days |
POS or online disputes (non-fraud) | 120 days (card network timelines) |
Insurance-related complaints | 14 days |
Everything else | 10 days at each level |
These come from Axis Bank's own grievance redressal policy (September 2026).
Grievance Redress Days at Axis branches
Axis Bank designates the first and third Saturdays of every month as Grievance Redress Days. You can walk into a branch without an appointment and meet the Branch Head or Branch Operations Head about your complaint.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of the bank's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Your rights on common Axis credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | The bank must close it within 7 working days of your request (once dues are cleared), or pay you ₹500 a day until it's closed |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or the bank pays ₹100 for every day of delay |
Changes to charges | The bank must tell you at least 30 days before a change in charges takes effect |
How to write an Axis complaint that gets resolved
Your name, registered mobile number and email
The last 4 digits of your Axis credit card
Transaction date, amount and reference number
Every earlier complaint number, with copies of Axis's replies
What went wrong, and the exact fix you want ("reverse the ₹500 annual fee charged on 3 September", not "fix my bill")
Statements, SMS alerts and screenshots as proof
FAQs
What is the Axis Bank credit card customer care number?
1800 4030 or 1800 8911 (toll-free). You can also call 1860 419 5555 or 1860 500 5555. From outside India, call +91 80 6802 6802 or +91 40 4886 8888.
Is Axis Bank customer care toll-free and 24x7?
1800 4030 and 1800 8911 are toll-free. Axis's IVR runs 24x7, while agents for credit card and account services are available from 8 am to 8 pm. 1860 numbers like 1860 419 5555 are not toll-free; standard call charges apply.
What is the Axis Bank credit card complaint email ID?
For first-level complaints, email email.services@axis.bank.in. To escalate, email the Nodal Officer at nodal.officer@axis.bank.in, then the Principal Nodal Officer at pno@axis.bank.in.
What is the Axis Bank grievance email ID?
The Nodal Officer's email is nodal.officer@axis.bank.in and the Principal Nodal Officer's email is pno@axis.bank.in.
How do I check the status of my Axis Bank complaint?
Call 1800 419 0068 or use the complaint status option on the Axis Support page.
How long does Axis Bank take to resolve a credit card complaint?
Axis aims to give a final response within 30 days, or within RBI, NPCI or card network timelines for frauds and disputes. Most other complaints have a 10-day timeline at each escalation level.
How long do I have to go to the RBI Ombudsman?
Within 90 days from when Axis's response timeline expires or from its last reply, whichever is later.
