How To Link Citibank Credit Card To Axis Bank

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You're looking to bridge the gap between your Citibank Credit Card and your Axis Bank accounts – perhaps to manage payments, track your finances, or simply streamline your banking experience. With the recent migration of Citibank's consumer banking business to Axis Bank, this process has become even more relevant and, in many cases, integrated.

Let's dive into a comprehensive, step-by-step guide to help you seamlessly link your Citibank Credit Card to Axis Bank, with various methods to suit your preference. Are you ready to take control of your credit card payments and simplify your financial life? Let's begin!

Understanding the Citibank to Axis Bank Migration

Before we begin, it's crucial to understand that Citibank's consumer banking business in India has been acquired by Axis Bank. This means that your existing Citibank Credit Card relationships are now effectively managed by Axis Bank. While you might still possess a physical Citibank-branded card, the underlying services and management are now handled by Axis Bank. This is a key point as it simplifies the "linking" process, as in most cases, your card is already part of Axis Bank's system.

Step 1: Confirming Your Migration Status and Axis Bank Access

The very first thing you need to do is confirm your Citibank Credit Card has successfully migrated to Axis Bank's systems and that you have access to Axis Bank's digital platforms.

This is paramount. If you haven't received communication from Axis Bank regarding your migrated Citibank accounts and cards, or if you haven't registered for Axis Bank's online services, you'll need to do that first.

Sub-heading: Checking Your Migration Status

Look for Official Communications: Check your registered email and mobile number for SMS or emails from Axis Bank regarding the migration of your Citibank accounts and cards. These communications will often provide details on how to access your new Axis Bank relationship.
Contact Axis Bank Customer Care: If you're unsure, the quickest way to confirm is to call Axis Bank's customer care. Provide them with your Citibank Credit Card details, and they can inform you about its migration status and your new Axis Bank customer ID (if applicable).

Sub-heading: Registering for Axis Bank Internet Banking/Mobile App (if not already done)

If you are a former Citibank customer who is new to Axis Bank, you'll need to register for their digital banking services.

For Axis Bank Mobile Banking App (Open):
1. Download the "Open by Axis Bank" app from your app store (Google Play Store or Apple App Store).
2. Open the app and tap on "Login to your Axis account".
3. Allow necessary permissions.
4. Verify your mobile number via SMS.
5. Complete registration using details like your Citi-branded Debit Card or Credit Card details, or OTP authentication.
6. Set up your MPIN and enable biometrics for secure access.
For Axis Bank Internet Banking:
1. Visit the official Axis Bank Internet Banking portal: https://omni.axisbank.co.in/axisretailbanking/
2. Click on "Citi India Login" or "Login" in the "First Time Login for Former Citibank Customer" section.
3. Complete registration using your Axis Bank Customer ID, Citi-branded Debit Card, or Credit Card details.
4. Set your password, security questions, and Login ID.
5. Use your new Login ID and password to access Axis Bank Internet Banking.

Step 2: Linking Your Citibank Credit Card (Now an Axis Bank Card) for Payments

Once you have successfully accessed your Axis Bank Internet Banking or Mobile App, you can manage your migrated Citibank Credit Card. The "linking" here primarily refers to setting up easy payment methods for your card.

Sub-heading: Method 1: Paying Through Axis Bank Internet Banking (Recommended)

This is one of the most straightforward and secure ways to pay your credit card bill.

Login to your Axis Bank Internet Banking account using your Login ID and password.
Navigate to the "Credit Cards" or "Cards" section. You might find it under "My Accounts" or a dedicated "Cards" tab.
You should see your migrated Citibank Credit Card (now an Axis Bank Credit Card) listed here. Select the specific credit card for which you want to make a payment.
Look for an option like "Pay Now" or "Make Payment".
You will typically be presented with options to pay the Total Amount Due, Minimum Amount Due, or enter a Custom Amount. Choose your preferred payment option.
Select the Axis Bank savings or current account from which you wish to debit the payment.
Review all the payment details carefully and click on "Proceed" or "Confirm".
Authenticate the transaction using an OTP (One-Time Password) sent to your registered mobile number or your Internet Banking PIN.
Upon successful authentication, you will receive a confirmation message.

Sub-heading: Method 2: Paying Through Axis Bank Mobile App (Open)

The mobile app offers similar convenience and is ideal for on-the-go payments.

Login to the "Open by Axis Bank" Mobile App using your MPIN or biometrics.
Go to the "Credit Cards" tab or section.
Select the credit card (your former Citibank card) for which you want to pay the bill.
Tap on "Pay Now" or a similar payment option.
Choose the amount to be paid (Total Due, Minimum Due, or Custom).
Select the Axis Bank account from which the payment should be made.
Review the details and confirm the payment using your MPIN or biometric authentication.
You will receive an instant confirmation of the payment.

Sub-heading: Method 3: Setting up Auto Debit for Automatic Payments

For ultimate convenience, you can set up an auto-debit facility from your Axis Bank savings or current account. This ensures your credit card bills are paid on time every month, avoiding late payment charges.

Using the Axis Bank Mobile Application:
1. Login to your Axis Bank Mobile Application.
2. Navigate to "Services", then select "Credit Card", and choose "Auto Debit Payment".
3. Select the specific credit card (your former Citibank card) for which you wish to set up Auto Debit.
4. Click on "Activate" to enable the Auto Debit option.
5. You'll likely need to choose whether to auto-debit the Total Amount Due or the Minimum Amount Due.
6. Confirm with an OTP or MPIN.
Using Axis Bank Internet Banking:
1. Login to your Axis Bank Internet Banking account.
2. Access the "Services" section, then click on "Credit Card Services".
3. Choose the credit card (your former Citibank card) for which you want to set up Auto Debit.
4. Under "More Services", select "Auto Debit Setup", and proceed to activate it.
5. Choose between Total Amount Due or Minimum Amount Due for auto-debit.
6. Confirm the setup using an OTP or Internet Banking PIN.

Sub-heading: Method 4: Paying via NEFT/IMPS (If using another bank's account)

While the primary "linking" has happened due to the migration, if you need to pay your former Citibank credit card (now an Axis Bank Credit Card) from another bank account (not Axis Bank), you can use NEFT (National Electronic Funds Transfer) or IMPS (Immediate Payment Service). You'll need to add your Axis Bank Credit Card as a beneficiary in your other bank's net banking or mobile app.

Login to your other bank's Internet Banking or Mobile App.
Navigate to the "Funds Transfer" or "Payments" section.
Select "Add Beneficiary" or "Add Payee".
Enter the following details for your Axis Bank Credit Card:
- Beneficiary Name: Your name as it appears on your Axis Bank Credit Card.
- Beneficiary Bank Name: Axis Bank
- Beneficiary Branch Name: Mumbai (this is a common central branch for credit card payments, regardless of your physical location).
- Beneficiary Account Number: Your 16-digit Axis Bank Credit Card number.
- IFSC Code: UTIB0000400
Confirm adding the beneficiary (this usually involves an OTP or transaction password). There might be a cool-off period (e.g., 30 minutes) before you can initiate a transfer to a newly added beneficiary.
Once the beneficiary is added, you can initiate a NEFT or IMPS transfer to this beneficiary account. Enter the amount you wish to pay and confirm the transaction.

Sub-heading: Method 5: Paying via UPI (Unified Payments Interface)

UPI is becoming an increasingly popular and convenient method for payments, including credit card bills.

Open any UPI-enabled application (e.g., Google Pay, PhonePe, Paytm, BHIM, or the "Open by Axis Bank" app).
Look for an option to "Pay Credit Card Bill" or "Bill Payment".
You might be able to search for "Axis Bank Credit Card" as a biller.
Enter your 16-digit Axis Bank Credit Card number.
Verify the beneficiary name (which should be your name).
Manually enter the bill amount you wish to pay.
Complete the transaction using your UPI PIN.

Note: If you are linking your RuPay credit card to UPI for direct transactions, the process is slightly different and involves adding the card within the UPI app's "Add Credit Card" section and setting a UPI PIN for it. For paying a credit card bill from a bank account via UPI, the process above is generally used.

Step 3: Exploring Additional Benefits and Services

Now that your Citibank Credit Card is seamlessly integrated with Axis Bank, explore the full suite of services available to you.

Sub-heading: Accessing Your Credit Card Statement

You can now view and download your credit card statements directly from the Axis Bank Internet Banking portal or Mobile App. This provides a unified view of your financial transactions.

Sub-heading: Understanding Reward Points

Your previously earned Citibank reward points will have been migrated to the Axis Bank EDGE REWARDS portal. You can now redeem them through this platform. Log in to your Axis Bank account and look for the "Rewards" or "EDGE REWARDS" section.

Sub-heading: Utilizing Card Controls

Axis Bank's digital platforms offer various card controls. You can manage your card limits, enable/disable international transactions, online transactions, contactless payments, and block/unblock your card instantly. This adds an extra layer of security and control.

Sub-heading: Customer Support

For any queries related to your migrated Citibank Credit Card, you should now contact Axis Bank's customer service channels. Their phone banking numbers and support options will be readily available on their website and app.

Frequently Asked Questions (FAQs)

Here are 10 related FAQ questions, starting with "How to," along with quick answers to help you navigate common queries after linking your Citibank Credit Card to Axis Bank:

How to Check My Citibank Credit Card Balance (now Axis Bank)?

You can check your balance by logging into your Axis Bank Internet Banking account or the "Open by Axis Bank" mobile app and navigating to the "Credit Cards" section. Your outstanding balance and available credit limit will be displayed there.

How to Get My Axis Bank Customer ID if I was a Citibank Customer?

If you were a Citibank customer, your new Axis Bank Customer ID would have been communicated to you via email or SMS during the migration. If you haven't received it, you can contact Axis Bank customer care for assistance, providing your Citibank Credit Card details for verification.

How to Change My PIN for My Migrated Citibank Credit Card (now Axis Bank)?

You can typically change your credit card PIN through Axis Bank Internet Banking, the Axis Bank Mobile App, or at an Axis Bank ATM. Look for the "Card Services" or "Manage PIN" option within these platforms.

How to Set Up Auto-Debit for My Axis Bank Credit Card Bill?

Login to your Axis Bank Internet Banking or Mobile App, go to the "Credit Card" section, then navigate to "Services" or "More Services" and select "Auto Debit Setup." You can choose to auto-debit the total or minimum amount due.

How to Add My Axis Bank Credit Card as a Beneficiary in Another Bank?

To pay your Axis Bank Credit Card bill from another bank, add it as a beneficiary. Use your name, Axis Bank as the bank, Mumbai (UTIB0000400) as the branch/IFSC, and your 16-digit credit card number as the account number.

How to Pay My Axis Bank Credit Card Bill via UPI?

Open any UPI app (Google Pay, PhonePe, etc.), select "Pay Credit Card Bill," choose "Axis Bank," enter your 16-digit credit card number, verify your name, enter the amount, and confirm with your UPI PIN.

How to View My Credit Card Statements on Axis Bank Platforms?

After logging into Axis Bank Internet Banking or the mobile app, go to the "Credit Cards" section. You will find options to view or download your monthly statements.

How to Redeem My Citibank Reward Points on Axis Bank?

Your Citibank reward points have been migrated to Axis Bank's EDGE REWARDS program. Login to your Axis Bank Internet Banking or app, and look for the "Rewards" or "EDGE REWARDS" section to access and redeem your points.

How to Block My Axis Bank Credit Card if it's Lost or Stolen?

Immediately block your card through the Axis Bank Mobile App (under "Card Controls" or "Block Card"), Axis Bank Internet Banking, or by calling Axis Bank's 24/7 customer care helpline.

How to Get a New Physical Axis Bank Credit Card Post-Migration?

Axis Bank will typically dispatch new Axis Bank-branded credit cards to former Citibank customers within a few months after the migration. You will be notified in advance about the dispatch and delivery. Until then, your existing Citi-branded card continues to work with Axis Bank benefits.

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