Credit Cards Safety Measures

When I receive my card what should I do?
  • As soon as you receive the consignment, ensure that the card is in the envelope and has your proper name, and that it is spelt correctly. If there is any error, inform Axis Bank immediately.
  • If you had applied for an add-on card also along with the primary card, ensure that the add-on card is present in the same consignment as the primary card. If it is not present or you have any clarifications, please call Axis Bank Customer Care.
  • Sign on the reverse of the card immediately on receipt. This helps comparing your signature when you make payments at shops, hotels, etc. Unsigned cards are invitations for misuse.
What should I do if my card is lost or damaged?
  • If you lose your Credit Card, report the loss to Axis Bank immediately by calling Customer Care. The card will be blocked instantly. On the same call, you can also request for a new card to be sent to you.
  • Also, report the loss of card to the police station of the area where you suspect the card was lost or misplaced.
What should I keep in mind while doing online transactions?
  • Don’t click on links, download file or open attachment in emails from unknown sender.
  • Look for a sign that indicates that the website is secure such as a lock icon on the browser’s status bar or a “https:” URL whereby the “s” stands for “secure” rather than a “http:”.
  • Prefer to use One time PIN (OTP) for each transaction on card transactions rather than using a one-time password (which user is allowed to create and use it for all other transactions thereafter till he changes it).
  • Avoid accessing your Internet Banking account from a cyber cafe or a shared computer. However, if you happen to do so change your passwords from your own computer.
  • Once you have completed your online banking transactions, remember to log-off by clicking on the "log-off" option. Close your browser and lock your computer if it is left idle.
How should I ensure safety of my card?
  • Ensure that the card you got back after a transaction is indeed yours, before putting it in the wallet. Many times, cards get exchanged at crowded merchant locations like service stations and malls or super markets.
  • When you use your card for purchases, ensure it is swiped in your presence and not swiped on multiple devices.
  • Ensure that your card number, card-expiry date and the three-digit security code on the back of the card (popularly known as CVV number) are not captured in writing anywhere.
  • Do not hand-over your card to anyone, even if they claim to be representatives from your Bank.
  • If the card is to be cancelled, cut it in four pieces diagonally across the magnetic strip and discard. This will ensure that the cancelled or expired card cannot be misused for counterfeit/skimming.
  • Keep the card in a safe place like your wallet or purse, where you can quickly notice if it is missing.
  • Note the contact numbers of your bank where it is readily available.
How should I ensure safety of my money?
  • Register your mobile number for alerts and remember to update it in the Bank's records, in case it changes.
  • Memorise the PIN and destroy the mailer. The PIN is an important validation of your identity. The use of PIN along with card is considered as your signature. Keep your PIN a well-guarded secret, always.
  • Check your bank account and Credit Card statements regularly. If you notice any transactions you do not remember having carried out, report the same to your bank immediately.
  • Inform change of address to the Bank promptly. Inform postal authorities also to forward your mails and consignments to the new address.
  • Do not hand-over copies or original documents containing your personal data like your birth date, PAN, financials, address proofs, etc. to an unknown person. Always ask for identification.
  • Never sign a blank application form, to be filled in by an agent or bank representative later.
  • Never give a photocopy of the back of your card to anyone for any reason, even if it is an application for a new Credit Card.
  • Choose a strong PIN code, which is not easy to guess. Change the PINregularly.
  • Do not fall prey to social engineering attacks. Do not reveal personal details and card numbers in response to attractive-sounding schemes from suspicious callers.
  • Destroy statements, charge slips, bank mails before disposing. Many identity theft cases take place through mail sniffing or garbage pilfering. Shred the statement or the charge slips before disposing.
Contact Us
  • If your Credit Card gets stolen/lost.
  • If your card doesn't function and you need a replacement card.
  • To report unauthorised transactions.

Please call our 24-hour Customer Care (1800-209-5577).

ATM/Debit Card Safety Measures

Tips to remember when you receive the card:
  • Always keep your card in a safe place, just as you would take care of cash and Cheque books.
  • Sign in the signature panel on your ATM/Debit Card(s) as soon as you receive it.
  • Never write down your PIN (personal identification number) anywhere. Memorise it.
  • If you receive a replacement card, be sure to destroy your old card by cutting it into four and discard the pieces.
Tips to remember when transacting at the ATM:
  • Ensure that no one sees you entering your PIN (personal identification number).
  • Never allow a stranger to assist you while using an ATM.
  • After completing your transaction, secure your card and cash immediately. Always count your cash before leaving the ATM area and not outside it.
  • Do not leave your transaction record at the ATM. Shred it before discarding it.
  • Change your ATM PIN frequently, at least once a month.
Tips to remember when using your Debit Card for shopping:
  • Use your card with merchants that you know and can trust. Never allow the shopkeeper to take your card to a different shop/room for swiping it.
  • Make sure that your Debit Card is returned to you after completing a purchase; and be sure that the card that has been returned is your own.
  • After a purchase, always take your charge slip(s) with you and tear up any carbon copies.
  • Check receipts against your monthly billing statements to verify your card transactions. Report any unauthorised transaction(s) immediately.
  • Check your charge slips against your monthly account statements to verify your card transactions.
  • Once you have reconciled your account statements, tear up all charge slips and discard them.
Contact Us
  • If your Credit Card gets stolen/lost.
  • If your card doesn't function and you need a replacement card.
  • To report unauthorised transactions.
  • Please call our 24-hour Customer Care (1800-209-5577).