Digital savings Account - FAQs

Axis ASAP Digital Savings Account is the new age digital savings Account offered by Axis Bank. All you need is your Aadhaar, PAN & other basic details. Since this process is completed through a Video verification, kindly ensure you are using a camera enabled device.

• No need to visit the Branch -Avail all our 250 + services online
• On account activation start transacting securely via Debit card, UPI, NEFT, IMPS and RTGS.
• E- Debit Card loaded with offers - Get your virtual Debit card instantly on account opening
• Physical Debit Card as per account variant will be dispatched to your communication address after account opening.
• Signature Update via Axis Mobile app - Update any time after account opening.

You can open an Axis ASAP Digital Savings Account as long as,

• You are an Indian citizen.
• You have a valid PAN and Aadhaar number.
• You have a valid mobile number linked to your Aadhaar.
• You are 18 years of age or above.
• Your Desktop/Laptop or Mobile Device with which you are opening an account has a camera for the Video KYC process.
• You are applying from India.

You need to voluntarily share your Aadhaar details to open an Axis ASAP Digital Savings Account. In case you do not wish to share your Aadhaar or VID details, you may visit your nearest Axis Bank Branch and choose to open a savings account from our range of options.

You need not visit a branch post account opening. Your Axis ASAP Digital Savings Account lets you avail all our 250 + services online.

You need to maintain account variant specific balances as given below:
Easy Access Account: Rs.12,000 (Metro/ Urban) + Rs.5,000 (Semi-Urban) + Rs.2,500 (Rural)
Prime Savings Account: AMB Rs.25,000(Metro/Urban), Rs. 15,000 (Semi-urban - AMB), Rs. 15,000 (Rural - AQB)
Liberty Savings Account: Rs.25,000(Metro/Urban) or spends of Rs. 25,000/-, Rs. 15,000 (Semi-urban - AMB) or spends of 25,000/-, Rs. 15,000 (Rural - AQB) or spends of 25,000/-
Prestige Savings Account: Click here
Priority Savings Account: Click here
Burgundy Savings Account: Click here
Please refer to Fees and Charges tab to view area wise classification

It is always good to have a nominee for your account. In case of unforeseen circumstances, your account funds can be transferred to the nominee without any hassle. You can, however, skip nominee details while opening the account and add one later.

Currently, the Axis ASAP Digital Savings Account is available only for Single Account Holders.

You need to complete first 3 steps of your application within 3 days (72 hours) from the time you completed your Aadhaar based OTP verification in Step 1. The 4th step related to funding can be completed within 72 hours from time of completion of VKYC (Step 3).

Post successful completion of funding, your application will be processed, during which a backend verification is done. Duration of this verification process may vary from 1 hour to a few days, depending on various factors. In the unlikely event where you have not received an email confirmation from us regarding account activation even after 4 business days, please reach out to us via the call center numbers given here to check the status of your account.

As soon as you complete Step 1, a link is sent on your registered mobile number. Click on this link to resume your account opening journey. Please note that the link will be valid only for 3 days (72 hours) for resuming journey to complete the process till Step-3. However, for Step-4, same link can be used for next 72 hours (from time of completing VKYC step) to complete funding. Post this time frame, you may start the journey again as a fresh application.

Yes, at the time of applying for a Axis ASAP Digital Savings Account, you can provide your communication address with a self declaration.

If you've completed VKYC but not completed your funding step, we will keep your account in dormant stage for 72 hours till funding is completed. If funding is not completed within 72 hours from the time you completed yourVKYC ( Step- 3), your application will expire. You can then try applying for a fresh Digital SA account.

This happens when we do not receive a confirmation of the payment from the payment gateway. In such a scenario, the amount will be refunded to your account within 3-7 working days. You may initiate a fresh transaction to complete the account opening journey.

Yes, you may apply for a Axis ASAP Digital Savings Account again.

You will receive,

• A Visa E-Debit Card (which is a virtual Debit Card) instantly on account opening. This will be shared on your registered email ID. You may start transacting with this card immediately, post account activation.
• Physical Debit Card as per account variant will be dispatched to your communication address post account activation. You may transact with both Debit Cards.
• Easy Access and Prime Savings Account holders will receive their Visa Online Rewards Debit Card
  Prestige Savings Account holders will be eligible for a Prestige Debit Card
  Priority Savings Account holders will be eligible for a Priority Platinum Debit Card
  Burgundy Account holders will be eligible for a Burgundy Debit Card
  For Liberty Scheme it is Liberty Debit card

To know more about EDGE REWARD point earn structure Click here

The E-Debit Card is a virtual Debit card that comes loaded with a host of offers and benefits that you can view here.
It provides easy and secure online transactions and does not have any plastic existence.
It can be used to register for Axis Mobile App. Once registered, you may view details such as your 16 digit card number, expiry date and CVV via the App.
You receive your E-Debit Card immediately on account opening.

Question: Benefits of Physical Debit Card
View all offers and benefits for the Visa Online Rewards Debit Card here.
View all offers and benefits for the Prestige Debit card here.
View all offers and benefits for the Priority Platinum Debit Card here.
View all offers and benefits for the Burgundy Debit Card here.
View all offers and benefits for the Liberty Debit Card here.

The Virtual Debit Card will have an e-commerce transaction limit of Rs. 1,00,000/- per day.
The Visa Online Rewards Debit Card has a transaction limit of Rs.5 lakh per day.
Prestige Debit card has an ATM limit of Rs. 1,00,000/- & POS limit of Rs. 5,00,000/-
The Priority Debit Card has a transaction limit of Rs.5,00,000/- per day. The Burgundy Debit Card has a transaction limit of Rs. 6,00,000/- per day.

For Liberty Debit card
Daily withdrawal limit: Rs. 50,000
Daily Post Limit is Rs. 3,00,000
You may modify this limit by login in to Internet Banking or through Axis Mobile app.

The physical Debit Card as per account variant will be delivered to your communication address within 7 working days from the time of account activation. If you have not received it please reach out to us here for resolution. However, with the special circumstances that we are currently facing nationwide, some delay in delivery may be expected.

You may use your Visa E-Debit Card (virtual) only for online transactions like shopping, travel, recharge, transferring funds etc. You may also use it to withdraw cash at ATMs that have cardless withdrawal facility.
You may use your physical Debit card for online transactions, offline transactions at merchant POS and cash withdrawals at any ATM.

Yes, both the Debit Cards (Visa E-Debit Card and Physical Debit card) that come with your Axis ASAP Digital Savings Account will remain active for usage.

You can find the details for your Virtual Debit Card using the Axis Mobile App. Please follow the below steps:
Login to Axis Mobile App >> Accounts >> Click on Your Axis ASAP Digital Savings Account No. >> View Debit Card Details
Or, you may check the inbox of your registered email ID where we would have sent the Virtual Card details along with the welcome or account activation email.

Your Virtual Debit Card is valid until the expiry date mentioned on it.

The process applicable for both the E-Debit card and Physical Debit Card, is via Phone Banking.Alternatively, you may set the PIN for your Physical Debit Card via any of the other options. View all options here.

You may apply for a replcement or upgrade of your Physical Debit Card via the below steps.
a. Axis Mobile App : Click on Banking >> Services >> Debit Cards >> Upgrade >> Select the Card
b. Internet Banking: Select your Debit Card through My Debit Cards under the Accounts option >> Select between Block / Replace / Upgrade & the card you wish to upgrade to >> Enter code received through SMS.
c. Call : Call us on the numbers mentioned here.
d. Branch : You can visit your nearest Axis Bank branch & place a request to get a physical Debit Card for your Savings Account.
e. Burgundy customers can call us on - 18004190065

Physical Debit Card is complimentary and has no issuance charge for all account variants except Prestige Savings Account. The virtual debit card is provided at an issuance charge of Rs.500/- plus taxes for Easy Access and Prime Savings Account and will be complimentary for Prestige, Priority and Burgundy customers.
For liberty Debit card

To know the detailed list of fees & charges on your Axis ASAP Digital Savings Account, please click here.

Consolidated charges are various charges that have been accrued to your account. These charges are clubbed together and levied once a month if they are applicable to your account. Click here to know more.

Click here to know all applicable charges for using ATMs.

Your account can show negative balance because of unpaid fees & charges levied to your account. Please call us on the numbers mentioned here to know the breakup of charges. Burgundy customer can connect to dedicated relationship manager or 18004190065

Post account activation, you can register for Internet Banking by:
a. Directly logging in using your Axis ASAP Digital Savings Account’s Virtual Debit Card details.
b. Registering as 'First time user' on Internet Banking and using your Customer ID.

You can register for Axis Mobile using your registered mobile number. You will need to authenticate yourself using details of either of your Debit Cards before initiating any financial transactions.

You need to update the Signature in your account to be eligible for a cheque book. You may update your signature through Mobile app> Insta Services or you may visit your Axis Bank branch to place a request to get your signature updated in the Bank's records. Once the Signature is updated in your Savings bank account, you can place the request for a cheque book.

A cheque book can be issued for your Axis ASAP Digital Savings Account only after you have updated your signature in your account. Once the Signature is updated, you can place a request using the below options:
a. SMS - SMS space to 56161600 from your registered mobile number. (For e.g. – CHQBK 23456)
b. Axisbank.com/Support: Support Home Page >> Get It Done Instantly >> Click on Cheque Book Request >> Enter Registered Mobile Number >> Enter OTP >> Select Account >> Click on Submit >> Cheque Book will be issued and delivered. (You can also scroll up and click on ‘Request Using Registered Mobile No.’ tab to use this option)
c. Chat with Axis Aha!: Click on Axis Aha! icon below or on axisbank.com >> Type “Order Cheque Book” >> Login with you Internet Banking credentials or MPIN >> In case of multiple accounts, select the account for which you need to order the cheque book for >> Verify your details and click on “Confirm” >> Enter the OTP received on your registered mobile number >> Your cheque book will be ordered
d. Axis Mobile App - Select Banking >> Click on Services >> Click on Savings / Current Account >> Click on New Cheque Book.
e. Internet Banking – Home >> Services >> Cheque Services >> Select Request Cheque Book >> Select Account Number & No. of Leaves >> Enter NetSecure Code received through SMS
f. ATM - Visit your nearest Axis Bank ATM Please note charges will be applicable for a cheque book as per the Savings Account type selected.

Click here to know all applicable charges for using ATMs.

You can update your signature using these methods:

a. Axis Mobile App: Click on 3 bar menu >> Services & Support >> Insta Services >> Accounts >> Update Axis ASAP Digital Savings Account signature >> Agree to terms and conditions >> Upload documents >> Update >> SR number is populated.
Document : Signature on white paper with black or blue ink.
b. Branch Banking : You can place a request by visiting your nearest Axis Bank Branch.

You can update your information via the Axis Mobile App, Internet Banking or by visiting any Axis branch.

The platform has partners across various categories to provide exclusive cashback offers for Axis Bank customers when they shop using Axis Bank credit and debit cards. To know more about our new and updated partners and their offers on the on-going basis, visit our portal axisbank.grabdeals.com

Flat 10% cashback* on Amazon & Flipkart with Easy Access Axis ASAP Digital Savings Account. Flat 12.5% cashback* on Amazon & Flipkart with Prime, Liberty and Prestige Axis ASAP Digital Savings Account respectively. Flat 15% cashback* on Amazon & Flipkart for Priority Axis ASAP Digital Savings Account and Burgundy Axis ASAP Digital Savings Account, respectively.
Get 5-45% cashback on 30+ other elite brands with all variants.

• Enter your mobile number and card information (last 4 digits) on the page when prompted
• Browse the offers at Grab Deals & choose the merchant of your choice
• Proceed to the merchant’s site via our portal and shop

Cashbacks: When you shop via Grab Deals using Axis Bank credit or debit cards, you will get exclusive cashbacks at various partners listed on Grab Deals site.

Your cashback would be processed between 90 - 120 days from the transaction date.

Yes, you can avail a maximum monthly combined cashback per account of Rs. 1000 for Easy Access, Prime, Liberty and Prestige variants; Rs. 2500 for Priority variant & Rs. 5000 for Burgundy variant.

Yes. The cashback will be calculated on final amount paid at the partner site after coupon code/instant discount offers are applied.