Axis Bank Visa Privilege Credit Card Statement

ARUN KUMAR MANIVANNAL

DN 323E SP PUDUR,
MAIN ROAD,
NAMAKKAL
NAMAKKAL 637001

PAYMENT SUMMARY
Total Payment Due Minimum Payment Due Statement Period Payment Due Date Statement Generation Date
0.00 0.00 12/06/2024 - 10/07/2024 30/07/2024 10/07/2024

Credit Card Number Credit Limit Available Credit Limit Available Cash Limit For hassle free payments register for
411146******8190 312,000.00 312,000.00 62,400.00 Auto-Debit facility on 18605005555

Previous Balance - Payments - Credits + Purchase + Cash Advance + Other Debit&Charges =Total Payment Due Making only the minimum payment every
month would result in the repayment stretching
312,000.00 Dr 312,000.00 0.00 0.00 0.00 0.00 0.00 over years with consequent interest payment

Account Summary
DATE TRANSACTION DETAILS MERCHANT CATEGORY AMOUNT (Rs.)
Card No: 411146******8190 Name ARUN KUMAR MANIVANNAL
02/07/2024 NEFT PAYMENT RECEIVED 312,000.00 Cr
**** End of Statement ****

Your cheque should be payable to Axis Bank Card No.411146******8190 . Please write your NAME & TELEPHONE No. on the reverse of the cheque.
Dear Customer, pay your Axis Bank Credit Card bill from any bank account by registering for ECS at any Axis Bank branch. Visit [Link] to download the form.
Axis Bank Maharashtra GST registration no.: 27AAACU2414K3ZD.

IMPORTANT MESSAGE
* Axis Bank Maharashtra GST registration no.:27AAACU2414K3ZD * Please refer: [Link] for revised BCSBI code* Make credit card bill payment hassle-free via eNACH.
Register at [Link] for timely payments from any bank account.* Reward points earned/redemption/Expiry can be checked on the MB app* Terms and Conditions on your Axis Bank Credit Card will be
revised w.e.f. 20-04-24. Please visit, [Link] Here are convenient options to make your Credit Card bill payments: Net Banking - [Link] , Mobile Banking App, open -
[Link] , ATM Fund Transfer Explore more payment options here - [Link] *Note: Axis Bank recommends Credit Card holders to pay their card dues using only the authorised modes
of payment as mentioned above
CONTACT US
Call 1860 419 5555 or 1860 500 5555 Grievance Redressal
*local charges will apply Nodal Officer,
For any assistance please visit [Link]/support 080 61865200
eDGE REWARD BALANCE AS CUSTOMER ID Manager, Customer Care,Axis Bank Ltd, CPU 1st Floor, [Link]@[Link]
POINTS ON DATE
"Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli Axis Bank Ltd, CPU 1st Floor, "Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge
21052 06-07-2024 939816678 Navi Mumbai-400708 Park, Airoli, Navi Mumbai- 400708

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 Axis Bank Visa Privilege Credit Card Statement

Finance Charge calculation Schedule of charges

If a card holder avails of the revolving facility of the credit card and hence chooses to Particulars Charges
pay amount less than the total amount due reflected in the monthly billing
statement. The entire outstanding amount would attract finance charges and all new Duplicate Statement Fee Waived
transactions will also attract finance charges, till such time as the previous Charge slip retrieval Fee Waived
outstanding amount is paid in full. For example, assume that you have paid all
previous dues in full and do not have any amount outstanding in your credit card Outstation Cheque Fee Waived
account. You have purchased house hold goods for Rs. 25000.00 on 12th June and
withdrawn cash from ATM for Rs. 5000.00 on 15th June. Your monthly statement is on Finance Charges(Retail & Cash) 3.6% p.m (52.86% per annum)
20th of every month. On 20th June, you would be levied interest on Rs. 5000.00 cash Fee for Cash Payment at branches Rs. 100
withdrawals for 6 days @ 3.6% p.m. i.e., 5000.00*6 days*3.6%*12 months/365days=
Rs.35.50 your due date for 20th June statement is 10th July and you pay Rs. 5000.00
on 10th July and you also make a fresh purchase of Rs. 10000.00 on 11th July, Interest
to be levied on 20th July would be as under: Cash Withdrawal Fees 2.5% of cash withdrawn
(Min. Rs 500)

Nil if total payment due is upto Rs 500;

Interest on Rs.25000 @ 3.6% p.m. from 12th June to 20th July (39 Rs 500 if total payment due is between
1153.97
Days) Rs 501 - Rs 5000;
Interest on Rs.5000 @ 3.6% p.m. from 16th June to 10th July (25 Overdue Penalty/late payment fee Rs 750 if total payment due is between
147.94 Rs 5001-Rs 10.000;
days)
Interest on Rs.5000 @ 3.6% p.m. from 11th July to 20th July (11 Rs 1,200 if total payment due is greater
56.86 than Rs. 10,000
days)
Interest on Rs.10000 @ 3.6% p.m. from 10th July to 20th July (10 118.36
days) 2.5% of over limit amount
Interest on 35.50 (Interest + Tax levied in last statement) @ 3.6% Over limit Penalty
1.30 (Min. Rs 500)
p.m. from 20th June to 20th July (31 days)
Total Interest charged on 20th July 1478.43 Foreign Currency transaction Fee 3.5% of transaction value
2% of payment amount subject to
Cheque return or Dishonour Fee
Actual interest calculation would vary based on the individual purchases and revolve minimum Rs. 450, Max. Rs. 1,500
behaviour. Please note that making only minimum payment due every month would Surcharge on Purchase or As prescribed by IRCTC/ Indian Railways
result in the repayment stretching over years with consequent Interest [Link] cancellation of railway tickets
more details, refer the Terms and Condition on the website. ([Link]/tncs)
As communicated at the time of
Joining Fee & Annual fees application

Minimum Amount Due Calculation Add On card - Joining & Annual Fees Waived

Assume that you have paid all previous dues in full, and do not have any amount Charges structure is subject to change form time at the sole discretion of Axis
outstanding in your Credit Card Account, and your monthly statement is generated on Bank. Penal interest, late payment charges and other related charges shall be
the 15th of every month. levied only on the outstanding amount after the due date and not on the total
amount.
Txn Date Type Cr/Db MAD Contribution Amount As per Ministry of finances guidelines, GST as per existing Government norms is
25th Sep Purchase Db 2% 5000 being levied on all fees, interest and other charges on all credit cards. No refund
1st Oct Joining Fees Db 100% 1000 shall be provided for GST charged on fuel surcharge.
1st Oct GST on Joining Fees Db 100% 180
1st Oct Cash Withdrawal Db 2% 2000
1st Oct Cash Withdrawal Fee Db 100% 500 Billing Dispute Resolution
1st Oct GST Db 100% 90
“In case of any billing dispute notified to Axis bank, Axis bank will suspend
15th Oct Interest on Cash withdrawal Db 100% 35.5 reporting to credit bureau till the dispute is resolved”.
All contents of this statement shall be deemed to be correct and accepted by
6.4 you, unless you inform us of any discrepancies within 21 days of the date of this
15th Oct GST on Interest Db 100% statement, and these are found by you, unless you inform us. On receipt of such
Total Amount Due 8811.9 information, we may reverse the charges on a temporary basis. If on
Minimum Amount Due 1951.90 completion of subsequent investigation, we are satisfied that the liability of
such charge is to your account, we will reinstate the charge in the subsequent
statement.
Revised MAD computation logic (effective 10th Nov 2023):
MAD = 2% of Purchase and Cash Withdrawal + 100% of Joining Fees, Cash Withdrawal
Fee, Interest on cash withdrawal, GST & GST on Interest Report Loss, Theft or Unauthorised use of Card or
Pin
MAD = 2%*(5000+2000) + 100%*(1000+180+500+18+35.5+6.4) = 1951.90
To report loss, theft or unauthorised use of card or Pin, customer has to block
the card. Customer can use any of the below three mediums to block their credit
Grievance Redressal Mechanism
Send an SMS – BLOCK <space> last 4 digits of card number and send it to
Level 1 - Call Centre numbers: 1800 419 0068 5616160
Call the Phone banking number (IVR) 1860 419 5555,1860 500 5555 and
select 0 to block the card
Axis Support: [Link]/support/
Branches /Loan Centres (please visit [Link] to locate the Go on the Mobile App and block the credit card
nearest branch /loan centre)
Contact Us:
Level 2 For any clarification on your credit card statement
Write Email Call Phone: 1800 103 5577
Email: [Link]/support
Send correspondence to: Manager, Customer care, Axis Bank Ltd, CPU
1st Floor, "Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge Park,
Airoli Navi Mumbai-400708
Mr. Ashok Sunar Nodal Ph. 080-61865200 Timings: 9.30
Officer Address : Axis Bank
Ltd, CPU 1st Floor, "Gigaplex", [Link]@axisban am to 5.30 pm Monday to
Saturday (except second and
Plot No I.T.5, MIDC, Airoli [Link] fourth Saturdays and Bank
Knowledge Park, Airoli Navi Holidays) Disclosure :
Mumbai-400708
“Axis bank may tie up with credit bureau authorized by RBI and will share credit
information including but not limited to your current balance, payment history,
demographic details, etc. the credit bureau do not provide any opinion,
Level 3 indication or comment pertaining to whatever credit should or should not be
granted. It is your best interest to maintain a good credit history by paying the
Write Email Call necessary dues in a timely manner. With credit bureau in place, responsible
customers can expect faster and more competitive services at better terms from
credit grantors. Default by customer would be available with credit bureau,
which in turn would impact your credit worthiness for the [Link]
Mrs. Deepti Radkar Principal structure is subject to change form time at the sole discretion of Axis Bank.
Ph. 080-61865098 Timings: 9.30 Please make your payment by due date. Late payment will result in reporting
Nodal Officer Address: Axis am to 5.30 pm Monday to to Credit Bureau. Credit Bureau include Credit reference Agencies, Credit
Bank Ltd, NPC1, 5th Floor,
“Gigaplex”, Plot No. I.T.5, pno@[Link] Saturday (except second and Information companies or any other entity formed and authorized by RBI for the
fourth Saturdays and Bank purpose of collecting, collating and disseminating credit information pertaining
MIDC, Airoli Knowledge Park, Holidays) to borrowers.”
Airoli, Navi Mumbai-400708