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In recent times, transacting with cards and online methods have become more popular than using real cash. Debit and Credit Cards, E-wallets, virtual money gained further prominence after demonetization about two years back. One can avoid hassles of carrying too many notes in the wallet, waiting at ATM queues, risk of robbery and loss of money. The introduction of Debit card has made our lives easier through cashless facility for all kinds of transactions. Most banks offer many more benefits on Debit cards such as cashback, discounts, partner tie-ups, airport lounge access, reward points and so on.
About Axis Bank Debit Card
Axis Bank offers different types of debit cards to suit the varying needs of people. One can use the debit card for all money-related transactions at a nominal annual fee. Some of the main features of Axis Bank debit cards are:
Axis Bank offers a card digital wallet wherein you can store all your cards for faster check-outs while doing online shopping. This makes it very convenient and quicker. Login credentials make the entire process very secure.
One can convert regular purchases into EMIs maintain liquidity in your account. The tenure options are 6, 9 and 12 months. This is available on select outlets and portals. Minimum loan amount available is Rs. 8000 and maximum of Rs.1 lac.
The bank has many offers in the dining field and consumer durables purchases.
One can create the debit card with the images of oneself or family members and customize it.
Loyalty Rewards Program
The entire range of debit cards offer rewards program by way of earning points on every purchase made.
Rs.3 lacs cash withdrawal
Rs.6 lacs purchase limit
15% off at more than 5000 restaurants
Free ATM transactions
Waiver on charges
Complimentary movie and non-movie tickets
Select Airport lounge access
Rs. 2 lacs cash withdrawal
Rs. 5 lacs purchase limit
Enhanced security chip
2 visits per quarter at Select Airport lounge access
Personal Accident insurance of Rs. 10 lacs
Rs. 1 lac cash withdrawal
Rs. 4 lacs purchase limit
Complimentary access to select Mastercard lounges
Rs. 50,000 cash withdrawal
Rs. 4 lac purchase limit
Vouchers up to Rs. 10,000 annually
10% off on bookmyshow
Welcome benefit of reward points
Contactless debit cards
Rs.50,000 cash withdrawal
Rs.4 lacs purchase limit
5% cashback on movie tickets
Select lounge access
Personal accident insurance cover of Rs. 5 lacs
Personal accident insurance cover of Rs. 5 lac
Rs. 75,000 lacs purchase limit
Rs. 40,000 cash withdrawal
Rs. 1 lac purchase limit
5X rewards points on Grocery & Apparel spends
24 Hour helpline
Personal Accident Insurance Cover of Rs. 10 lacs
Air Accident Insurance Cover of Rs. 25 lacs
Rs.40,000 cash withdrawal
Rs.1 lac purchase limit
Personal Accident Insurance Cover 2 lac
24-Hour Emergency Helpline
10% cash back on movie tickets
Personal Accident Insurance Cover of Rs. 3 lacs
Cashback on Utility bill payments
Airport Lounge Access
Rs.75,000 cash withdrawal
Rs.2 lac purchase limit
Cashback on Utility bill payments, fuel transactions & train ticket bookings
Rs.1.5 lac purchase limit
2.5% Fuel Surcharge Waiver
Personal Accident Insurance Cover of Rs. 5 lacs
Complimentary access to airport lounges
All Axis Bank debit cards have secured online payment service through Verified by Visa. For any transaction online, it confirms your identity before making the payment. This helps in avoiding any fraudulent transactions on your card or skimming. The bank also offers an assistance plan to protect your debit card from loss, theft or fraud.
Axis Bank allows you to modify the limits of spend on the card as and when you want. This helps in keeping any misuse in the check. One can also turn on/off the debit card by keeping the limit at zero. Customizing the debit card helps in preventing fraudulent transactions. International usage can be activated and deactivated to help avoid any misuse.
Axis Bank has introduced contactless debit cards which is very convenient to use for transactions up to Rs. 2000/-. There is no need to swipe the card to make the payment or enter the PIN. One only needs to tap the merchant swiping machine with the Axis Bank Contactless Debit card and the payment comes through. This type of card contains a chip and an antenna with radio frequency. When the card is tapped against the swiping machine, the details are transferred wirelessly to process the payment.
This is a very convenient product and more secure than the traditional method. One needs to apply for a new card which contains the chip else the Contactless option will not work. The cardholder also benefits from the lost card liability like the normal debit card.
(1) What is the transaction limit on the Axis Bank Contactless Debit card?
You can use the contactless feature for transactions up to Rs. 2000/-. For payments above Rs. 2000/-, one will need to swipe the card in the regular manner.
(2) Is there a daily limit to the number of transactions done through contactless debit card?
Yes, currently the bank allows only a maximum of 5 transactions per day on the contactless debit card. You can use the debit for further transactions on the same day in the regular way of swiping and entering the PIN.
(3) Can I change the limits on my debit card?
Yes, at your convenience it is possible to change the limits on your debit card. Such customization helps in protecting your card against any misuse.
(4) What is a CVV number?
Card Verification Value (CVV) for Visa and Mastercard are used for online transactions. It is the final 3 digits of the number printed on the signature behind the debit card.
(5) Is it possible to change the PIN of my debit card?
Yes, the PIN of your debit card can be changed by visiting the closest ATM. This should be done on a regular basis to avoid skimming or misuse of your card.
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CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf.