diff --git a/builder/azure/arm/config.go b/builder/azure/arm/config.go
index 198dc33a8..5f74f5f70 100644
--- a/builder/azure/arm/config.go
+++ b/builder/azure/arm/config.go
@@ -675,27 +675,40 @@ func setRuntimeValues(c *Config) {
 }
 
 func setUserNamePassword(c *Config) error {
+	// Set default credentials generated by the builder
+	c.UserName = DefaultUserName
+	c.Password = c.tmpAdminPassword
+
+	// Set communicator specific credentials and update defaults if different.
+	// Communicator specific credentials need to be updated as the standard Packer
+	// SSHConfigFunc and WinRMConfigFunc use communicator specific credentials, unless overwritten.
+
 	// SSH comm
 	if c.Comm.SSHUsername == "" {
-		c.Comm.SSHUsername = DefaultUserName
+		c.Comm.SSHUsername = c.UserName
 	}
 	c.UserName = c.Comm.SSHUsername
 
-	if c.Comm.SSHPassword != "" {
-		c.Password = c.Comm.SSHPassword
+	if c.Comm.SSHPassword == "" {
+		c.Comm.SSHPassword = c.Password
+	}
+	c.Password = c.Comm.SSHPassword
+
+	if c.Comm.Type == "ssh" {
 		return nil
 	}
 
 	// WinRM comm
 	if c.Comm.WinRMUser == "" {
-		c.Comm.WinRMUser = DefaultUserName
+		c.Comm.WinRMUser = c.UserName
 	}
 	c.UserName = c.Comm.WinRMUser
 
 	if c.Comm.WinRMPassword == "" {
 		// Configure password settings using Azure generated credentials
-		c.Comm.WinRMPassword = c.tmpAdminPassword
+		c.Comm.WinRMPassword = c.Password
 	}
+
 	if !isValidPassword(c.Comm.WinRMPassword) {
 		return fmt.Errorf("The supplied \"winrm_password\" must be between 8-123 characters long and must satisfy at least 3 from the following: \n1) Contains an uppercase character \n2) Contains a lowercase character\n3) Contains a numeric digit\n4) Contains a special character\n5) Control characters are not allowed")
 	}