Axis bank not providing NO DUES CERTIFICATE after credit card closure

[sagraw]

I requested axis bank to provide a no dues certificate after credit card closure on 14 dec 24 and last statement payment of Rs 10.48 on 23 Dec 24 against last statement was done. However, they r again mentioning in cancellation letter that "if outstanding amt arises out of disputed transaction, u need to pay outstanding when intimated to u when statement is generated "

I am frustrated of requesting then again and again to provide NO DUES CERTIFICATE for the card closure.
I am attaching the cancellation letter recd from AXIS Bank
Pls advise whether it can be termed as a NO dues certificate since they have mentioned that the outstanding was NIL on letter generation date I.e. 24 Dec 24. However u need to pay outstanding if arising out of disputed transaction. We will intimate u for payment when next statement is generated
Pls advise

 

[Pradumya]

I requested axis bank to provide a no dues certificate after credit card closure on 14 dec 24 and last statement payment of Rs 10.48 on 23 Dec 24 against last statement was done. However, they r again mentioning in cancellation letter that "if outstanding amt arises out of disputed transaction, u need to pay outstanding when intimated to u when statement is generated "

I am frustrated of requesting then again and again to provide NO DUES CERTIFICATE for the card closure.
I am attaching the cancellation letter recd from AXIS Bank
Pls advise whether it can be termed as a NO dues certificate since they have mentioned that the outstanding was NIL on letter generation date I.e. 24 Dec 24. However u need to pay outstanding if arising out of disputed transaction. We will intimate u for payment when next statement is generated
Pls advise View attachment 78295

This is in form of a PDF right?
This is no dues certificate only. You are good to go. Just save this PDF.

 

[akshayhs]

The image you have attached itself is an NDC. What's so frustrating in this when they have given what you have asked.

 

[sahilgulati5]

They meant if in future any dispute arises then u have to pay if not no. If I am not wrong u will get 1more statement in month of jan with zero value.

 

[desiviru]

The thing you should be more concerned about is in future No New Certificate from Axis for recovery of Rewards (if applicable).

This email in itself is NDC.

 

[SSV]

I requested axis bank to provide a no dues certificate after credit card closure on 14 dec 24 and last statement payment of Rs 10.48 on 23 Dec 24 against last statement was done. However, they r again mentioning in cancellation letter that "if outstanding amt arises out of disputed transaction, u need to pay outstanding when intimated to u when statement is generated "

I am frustrated of requesting then again and again to provide NO DUES CERTIFICATE for the card closure.
I am attaching the cancellation letter recd from AXIS Bank
Pls advise whether it can be termed as a NO dues certificate since they have mentioned that the outstanding was NIL on letter generation date I.e. 24 Dec 24. However u need to pay outstanding if arising out of disputed transaction. We will intimate u for payment when next statement is generated
Pls advise View attachment 78295

This is THE NO-DUE certificate from 🪓 .. Don't worry..
It is what it is.. dont get stressed too much.. take it easy and if you can't handle it more of this then just stay away from 🪓 ... all the best

 

[sagraw]

This is in form of a PDF right?
This is no dues certificate only. You are good to go. Just save this PDF.

Thanks for the reply.
yes, it is in pdf format.But why r they mentioning that u would have to pay outstanding if any arising out of disputed transactions which would be intimated to u when statement is generated.
I am attaching a screenshot of the axis bank cc no dues certificate for your reference
Pls check and advise as there is a major difference in letter matter as axis bank is requesting me to pay outstanding dues and I the other format, they r informing that card is permanently closed and no dues on credit card and no communication with the customer regarding his closed cc

 

[sagraw]

They meant if in future any dispute arises then u have to pay if not no. If I am not wrong u will get 1more statement in month of jan with zero value.

I am unsure whether i will be receiving statement in Jan month which would be showing outstanding as NIL.
I am a novice in this banking area. The card was closed on 14 Dec 24 and statement was generated on 21 Dec 24 with a outstanding of Rs 10.84 which is paid by me. So would I be receiving statement in Jan month on 21 Jan pls advise

 

[sahilgulati5]

I am unsure whether i will be receiving statement in Jan month which would be showing outstanding as NIL.
I am a novice in this banking area. The card was closed on 14 Dec 24 and statement was generated on 21 Dec 24 with an outstanding of Rs 10.84 which is paid by me. So would I be receiving statement in Jan month on 21 Jan pls advise

With axis anything is possible. Since u have closed n got the NOC relax and enjoy why take the stress of which u don’t have control of

 

[praful47]

I will be closing my axis Bank credit card in the upcoming feb month . Grabdeals cashback might get credited in the month of March . And annual fee also might get posted in the bill of March .
So, if the credit card account get activated again after closure will I have to pay annual fee ?

 

[praful47]

I am unsure whether i will be receiving statement in Jan month which would be showing outstanding as NIL.
I am a novice in this banking area. The card was closed on 14 Dec 24 and statement was generated on 21 Dec 24 with a outstanding of Rs 10.84 which is paid by me. So would I be receiving statement in Jan month on 21 Jan pls advise

Why are you receiving statement after card closure ?

 

[V360V360 is verified member.]

Tell us frankly - why are you so worried when Bank has issued a formal template - I have closed more than 5 CCs with AXIS and all had same closure letter.

Worried about misuse of RPs? 😛

 

[sagraw]

The thing you should be more concerned about is in future No New Certificate from Axis for recovery of Rewards (if applicable).

This email in itself is NDC.

Not concerned abt rewards. Have redeemed before closure

 

[sagraw]

Tell us frankly - why are you so worried when Bank has issued a formal template - I have closed more than 5 CCs with AXIS and all had same closure letter.

Worried about misuse of RPs? 😛

No rp. Redeemed before closure

 

[V360V360 is verified member.]

No rp. Redeemed before closure

If there was misuse of CC while earning these RPs, then AXIS will come back with a plan for sure.

All the best.

 

[SACHIN0206]

I requested axis bank to provide a no dues certificate after credit card closure on 14 dec 24 and last statement payment of Rs 10.48 on 23 Dec 24 against last statement was done. However, they r again mentioning in cancellation letter that "if outstanding amt arises out of disputed transaction, u need to pay outstanding when intimated to u when statement is generated "

I am frustrated of requesting then again and again to provide NO DUES CERTIFICATE for the card closure.
I am attaching the cancellation letter recd from AXIS Bank
Pls advise whether it can be termed as a NO dues certificate since they have mentioned that the outstanding was NIL on letter generation date I.e. 24 Dec 24. However u need to pay outstanding if arising out of disputed transaction. We will intimate u for payment when next statement is generated
Pls advise View attachment 78295

Yes..Please take a printout or save the document. This can be treated as a No Objection Certificate (NOC). After this, a statement will be generated. If it shows zero, it means there is no balance pending against you

 

[Anand2456]

I am unsure whether i will be receiving statement in Jan month which would be showing outstanding as NIL.
I am a novice in this banking area. The card was closed on 14 Dec 24 and statement was generated on 21 Dec 24 with a outstanding of Rs 10.84 which is paid by me. So would I be receiving statement in Jan month on 21 Jan pls advise

Try escalating your case futher to the nodal office.
They know better how to provide solutions.
Email ID. = pno@axisbank.com

If this does not help, you can independently raise this complaint with the Banking Ombudsman and then everything will be boom 💥

 

[sagraw]

Try escalating your case futher to the nodal office.
They know better how to provide solutions.
Email ID. = pno@axisbank.com

If this does not help, you can independently raise this complaint with the Banking Ombudsman and then everything will be boom 💥

Have already sent an email mentioning issues to pno@axisbank.com.. They have mentioned a different flat no in the home address entered in the cancellation certificate whereas address is correct in 21 Dec 24 statement