Neo Rupay Credit Card Statement

NARUKULLA AMARENDRA
3-76 Patha Karaigudem khammam District,
Karaigudem Penuballi Mandal,

KHAMMAM 507302

PAYMENT SUMMARY
Total Payment Due Minimum Payment Due Statement Period Payment Due Date Statement Generation Date
177,447.43 Dr 5,948.00 Dr 24/06/2025 - 20/07/2025 09/08/2025 20/07/2025

Credit Card Number Credit Limit Available Credit Limit Available Cash Limit For hassle free payments register for
653047******9388 175,000.00 0.00 0.00 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
115,091.04 Dr 290,850.44 174,244.80 520,650.00 0.00 6,801.63 177,447.43 Dr over years with consequent interest payment

Account Summary
DATE TRANSACTION DETAILS MERCHANT CATEGORY AMOUNT (Rs.)
Card No: 653047******9388 Name NARUKULLA RAGHAVA RAO
21/06/2025 UPI/YOGESH ENTERPRISE/YOGESHENTERPRISE5@INDIANB Others 1,650.00 Dr
08/07/2025 MB PAYMENT #6QEL7C5RLBYJH1 115,091.04 Cr
09/07/2025 UPI/RAM AGRO/BOM250701314218@MAHB/9951853427-1@ HOME FURNISHING 100,000.00 Dr
09/07/2025 UPI/RAM AGRO/BOM250701314218@MAHB/9951853427-1@ HOME FURNISHING 100,000.00 Dr
10/07/2025 UPI/KARMA TRADERS/7391064291@INDIANBK/995185342 DEPT STORES 72,000.00 Dr
10/07/2025 UPI/KARMA TRADERS/7391064291@INDIANBK/995185342 DEPT STORES 72,000.00 Dr
11/07/2025 CREDIT ADJUSTMENT INTEREST 4.07 Cr
11/07/2025 GST 360.00 Dr
11/07/2025 TRANSACTION CONVERSION INTO EMI DEPT STORES 72,000.00 Cr
11/07/2025 EMI PROCESSING FEE, REF# 60095374 HOME FURNISHING 2,000.00 Dr
11/07/2025 TRANSACTION CONVERSION INTO EMI Others 1,650.00 Cr
11/07/2025 TRANSACTION CONVERSION INTO EMI HOME FURNISHING 100,000.00 Cr
11/07/2025 GST REVERSAL 0.73 Cr
11/07/2025 GST 259.20 Dr
11/07/2025 EMI PROCESSING FEE, REF# 60095376 DEPT STORES 1,440.00 Dr
11/07/2025 GST 45.00 Dr
11/07/2025 EMI PROCESSING FEE, REF# 60095375 Others 250.00 Dr
12/07/2025 EMI PROCESSING FEE REVERSAL REF# 60095374 500.00 Cr
12/07/2025 GST REVERSAL MANUAL 90.00 Cr
15/07/2025 MB PAYMENT #D2VZDXKQT8G4K2 2,109.40 Cr
16/07/2025 UPI/CHAUDHARI MAULIKKUMAR GE/9274240452@OKBIZAX DEPT STORES 75,000.00 Dr
16/07/2025 UPI/SAMNANI AGRO FOODS FARMI/SAMNANIAGRO@IDBI/9 Others 100,000.00 Dr
16/07/2025 MB PAYMENT #FDGHOTU558YV83 173,650.00 Cr
20/07/2025 DEBIT INTEREST 2,074.09 Dr
20/07/2025 GST 373.34 Dr
**** End of Statement ****

Your cheque should be payable to Axis Bank Card No.653047******9388 . 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 * 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
* In case you have shifted from the address updated in bank records, we request to update the Aadhar-based address via IB/MB.* Terms and Conditions on your Axis Bank Credit Card are revised. For details, visit
"[Link]
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
6502 17-07-2025 863156988 Navi Mumbai-400708 Park, Airoli, Navi Mumbai- 400708

Page : 1 of 2
 Neo Rupay 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
outstanding amount is paid in full. For example, assume that you have paid all Charge slip retrieval Fee Waived
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) 3.75% p.m. (55.55% per annum)
20th of every month. On 20th June, you would be levied interest on Rs. 5000.00 cash
withdrawals for 6 days @ 3.6% p.m. i.e., 5000.00*6 days*3.6%*12 months/365days= Fee for Cash Payment at branches Rs. 175
Rs.35.50 your due date for 20th June statement is 10th July and you pay Rs. 5000.00 Cash Withdrawal Fees 2.5% of cash withdrawn
on 10th July and you also make a fresh purchase of Rs. 10000.00 on 11th July, Interest (Min. Rs 500)
to be levied on 20th July would be as under:

Nil if total payment due is upto Rs 500;

Rs 500 if total payment due is between
Rs 501 - Rs 5000;
Interest on Rs. 25,000 @ 3.75% p.m. from 12th June to 11th July (30 Rs 750 if total payment due is between
924.66 Rs 5001-Rs 10.000;
Days)
Interest on Rs. INR 5,000 @ 3.75% p.m. from 21st June to 11th July Overdue Penalty/late payment fee Rs 1,200 if total payment due is greater
129.45 than Rs. 10,000
(21 days)
Interest on Rs. 36.99 (Interest levied in last statement) @ 3.75% p.m. *(An additional charge of Rs.100 will be
1.00 applicable on missing payment of
from 20th June to 11th July (22 days).
Minimum Amount Due (MAD) by the due
Interest on Rs. 10,000 @ 3.75% p.m. from 11th July to 20th July (10 date for two consecutive cycles.)
123.29
days)
Total Interest charged on 20th July 117.99
Total Interest charged on 20th July 1296.39 2.5% of over limit amount
Over limit Penalty (Min. Rs 500)
Foreign Currency transaction Fee 3.5% of transaction value
Actual interest calculation would vary based on the individual purchases and revolve 2% of payment amount subject to
Cheque return or Dishonour Fee
behaviour. Please note that making only minimum payment due every month would minimum Rs. 500
result in the repayment stretching over years with consequent Interest [Link]
Surcharge on Purchase or
more details, refer the Terms and Condition on the website. ([Link]/tncs) As prescribed by IRCTC/ Indian Railways
cancellation of railway tickets

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
outstanding in your Credit Card Account, and your monthly statement is generated on Charges structure is subject to change form time at the sole discretion of Axis
the 15th of every month. Bank. Penal interest, late payment charges and other related charges shall be
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 For type and details of insurance on your card please refer
1st Oct Cash Withdrawal Fee Db 100% 500 [Link]
1st Oct GST Db 100% 90 Third-party insurance provider - The New India Insurance Company Ltd. For any
insurance related queries contact Axis Bank at 1800 103 5577.
15th Oct Interest on Cash withdrawal Db 100% 36.99
Billing Dispute Resolution
15th Oct GST on Interest Db 100% 6.66
“In case of any billing dispute notified to Axis bank, Axis bank will suspend
Total Amount Due 8813.65
reporting to credit bureau till the dispute is resolved”.
Minimum Amount Due 1953.65
All contents of this statement shall be deemed to be correct and accepted by
you, unless you inform us of any discrepancies within 21 days of the date of this
statement, and these are found by you, unless you inform us. On receipt of such
Revised MAD computation logic (effective 10th Nov 2023): information, we may reverse the charges on a temporary basis. If on
MAD = 2% of Purchase and Cash Withdrawal + 100% of Joining Fees, Cash Withdrawal completion of subsequent investigation, we are satisfied that the liability of
Fee, Interest on cash withdrawal, GST & GST on Interest such charge is to your account, we will reinstate the charge in the subsequent
statement.

MAD = 2%*(5000+2000) + 100%*(1000+180+500+18+36.99+6.66) = 1953.65 Report Loss, Theft or Unauthorised use of Card or
Grievance Redressal Mechanism Pin
To report loss, theft or unauthorised use of card or Pin, customer has to block the
Level 1 - Call Centre numbers: 1800 419 0068 card. Customer can use any of the below three mediums to block their credit
Send an SMS – BLOCK <space> last 4 digits of card number and send it to
5616160
Axis Support: [Link]/support/
Call the Phone banking number (IVR) 1860 419 5555,1860 500 5555 and
Branches /Loan Centres (please visit [Link] to locate the select 0 to block the card
nearest branch /loan centre)
Go on the Mobile App and block the credit card
Level 2
Contact Us:
Write Email Call For any clarification on your credit card statement
Phone: 1800 103 5577
Email: [Link]/support
Send correspondence to: Manager, Customer care, Axis Bank Ltd, CPU
Mr. Jinit Thakkar Nodal 1st Floor, "Gigaplex", Plot No I.T.5, MIDC, Airoli Knowledge Park,
Ph. 080-61865200 Timings: 9.30
Officer Address : Axis Bank Airoli Navi Mumbai-400708
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]
structure is subject to change form time at the sole discretion of Axis Bank.
Mrs. Deepti Radkar Principal 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