• Convenient: Visa Checkout stores your card details and shipping address so that you need not enter this information for each transaction. Just Shop, Click and Check out!
• Secure: All transactions have an additional factor of authentication with login credentials created at the time of registration. Moreover, you can disable or enable any of the stored card details anytime.
• Faster: When paying with a registered device for Visa Checkout, simply select the Card and complete the payment for a faster check-out.

• Go to Visa Checkout's Create Account page
• Enter your Email ID and set an account password
• Enter your Axis Bank Credit or Debit card details which you wish to store
• Provide other details which may be asked, e.g. Address, Security questions etc.
• Verify your account by clicking on the link sent by VISA on the email ID provided by you

• Select “VISA Checkout” payment option
• Enter your Email ID and password you had set when registering the account
• Select your stored Axis Bank Credit or Debit Card & click ‘Pay’ to complete the payment

Features & Benefits

• One stop solution for customers for converting regular purchases into EMI @ select merchant outlets and e-retailer portals,
• Offer for select target customers based on Axis Bank policy
• Tenure Options 3,6,9 and 12 months
• Reducing balance rate of interest 14% p.a.
• Minimum Loan amount 10K to Maximum 1 lac
• No partial conversion of the transaction account

Customer eligibility check:

• To verify the EMI offer eligibility, debit cardholder can send an SMS

SMS EMID XXXX (last 4 digits of your debit card number) to 5676782

• In response of the SMS sent to customer will receive the information about the eligible loan amount, validity and merchant name where the offer can be availed.
• Incase of any other concerns Call Axis Bank 1860 419 5555 & 1860 500 5555

List of Merchant offers available:

• Jumbo Electronics

EMI per Rs 1000 for each of these tenures is given below

Note: A onetime Processing Fee of 1% or Rs 150, whichever is higher will be charged to your Saving’s Account

• Customer visits the Merchant outlet where the offer is available and selects the purchase item
• He informs the merchant executive to swipe the debit card transaction in the EMI conversion mode and not the normal Purchase mode and selects the tenure option.
• The transaction will get approved on active debit Card provided the available balance in the saving’s account of customer. The transaction will get declined if the amount is above the available limit of the Savings Account.
• The customer agrees on all the T&Cs mentioned on the charge slip by signing the same. It is a customer consent received by the merchant on the EMI acceptance.
• The Swiped purchased transaction amount will be credited back to the Customer on T+3 and an Installment account will be created which will be billed monthly as per the tenure selected.

"EMI" or "Equated Monthly Installment" means the equated monthly installment of amounts payable by the Card Member to AXIS Bank comprising of principal amount, interest and any/ or other charges, if applicable.

"Debit Card EMI" refers to the conversion into EMI upon request by the Card Member, of transactions performed using the Debit Card at EDC (Electronic Data Capture) terminal and/or for such online transactions, where the option for such conversion is available. AXIS Bank shall be entitled to, at its sole discretion, make available to individual Card Member,

EMI on the Debit Card, without prejudice to the obligation of the Card Member to make immediate payment on the incurring of the charge, the Card Member may, seek to avail of the option of paying for certain purchases through Equated Monthly Installments (EMIs)

The decision of conversion of EMI as per customer request lies at the discretion of AXIS Bank

If all conditions are met the transaction amount is disbursed into customer linked active saving account within 4 working days from the date of transaction. Post which the EMI will be debited on a monthly basis from customer linked active saving account.

The EMI facility will be available with respect to the Debit Card which presently comprise of the following purchases, viz., New purchases at Merchant Establishment and ecommerce retailers.

The Card member shall be charged an interest rate on monthly reducing balance basis, for availing the EMI facility. This interest will be mentioned on the charge-slip for customer consent.

• A standard 1 % processing fee will be applicable subject to a minimum of INR 150 will be billed to the cardholder on the date of conversion of the transaction into EMI
• The loan will be offered for a maximum tenor of 12 months with slabs of 3 , 6, 9 and 12 months.
• The rate of interest effective from March 12, 2015 will be 14 % per annum computed on reducing balance. Equated Monthly Installment (EMI) per Rs 1000 will be Rs. 337 for EMI tenure of 3 months, Rs. 172 for EMI tenor of 6 months, Rs. 116 for EMI tenor of 9 months and Rs. 89 for EMI tenor of 12 months. The Bank may revise the rate of interest at a later stage without issuing prior notice to the cardholders.
• The Equated Monthly Installment (EMI) amount will be auto debited every month from the customer’s saving account on a particular date
• The entire EMI amount will be included in calculation of Minimum Amount Due payable by the cardholder.
• No Pre-payment charges on foreclosure of the EMI facility
• Axis bank reserves the right to mark a lien on the customer saving account to recover the outstanding balance in case of delinquent customers.
• No request for changes in the billing cycle shall be entertained during the entire loan period. The loan period is defined as the loan tenor selected by the cardholder at the time of request.
• Service Tax will be applicable on Processing and Foreclosure Fee

Repayment:

The card member shall repay the facility and interest thereon in EMIs. The interest shall be at such rate which has been indicated by AXIS Bank to the card member at the time of making the offer for the facility and as also as communicated to the card member on the charge-slip. The interest calculation will start from the time the transaction has been booked for the facility.

The card member hereby authorizes AXIS Bank to auto debit the account of the card member on a monthly basis for the amount of EMI due for that particular month.

The card member should maintain required balance in his account to pay the entire amount of the EMI for a particular month on the due date, and the same shall not be permitted to be carried forward/included in the next month.

In the event the payment is not made by the due date as specified, it shall be construed as a default by the card member and card member shall become liable to pay the entire due amount.

Prepayment:

The card member may close the facility (prepayment of the outstanding amount) at any time by contacting AXIS Bank's Customer Care to avail of the foreclosure. The card member has to call up the customer service for complete prepayment of the facility. AXIS Bank shall, without prejudice to all rights and remedies, have the right to call upon the card member to forthwith repay the Facility, all interest thereon and all other monies in respect of the facility upon occurrence of event of default in payment of EMI for more than two consecutive months and the card member shall be liable to repay all such amounts upon such demand

Cancellation of Facility:

The card member may cancel the facility within 15 days of date of transaction. The customer can request for a cancellation at the customer care. In the case of cancellation, the original transaction amount which was converted into EMI shall be debited back to the customer account and all charges relating to such EMI conversion shall be reversed, but only if the card member has called up within 15 days from the date of transaction. Kindly ensure that there are sufficient funds (upto the transaction amount availed of EMI on Debit Card) available in your account for processing the cancellation request.

Particular Affirmative Covenants:

• The card member has understood AXIS Bank's method of calculating EMIs payable
• The card member is deemed to have accepted these terms and conditions upon the card member having requested for the facility.
• The card member shall make payment of all taxes, duties, levies (including service tax) in connection with the facility.
• Axis Bank reserves the right at any time without previous notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace, wholly or in part, this scheme by another scheme, whether similar to this scheme or not, or to withdraw it altogether. Which if done shall be binding on the cardholder and the cardholder shall abide by the said rules. If withdrawn, those who have opted shall continue to get the right to pay through EMIs for the already approved conversion.
• The participants will not hold Axis Bank responsible for or liable for, any actions, claims, demands, losses, damages, costs, charges, and expenses that a participant may suffer, sustain or incur by way of this scheme.
• All and any disputes arising from the EMI facility shall be subject to the exclusive jurisdiction of the courts of Mumbai

Events Of Default:

• On Failure of EMI payment dues, bank can take legal action as per section 138 or mark lien on my saving account to recover the outstanding due amount
• If one or more of the events specified in this Clause ("Events of Default") occur or shall have occurred, AXIS Bank may foreclose the facility by a notice in writing to the card member.
• The card member's commission of a breach of any of the terms and conditions along with covenants herein contained or having made any misrepresentation to AXIS Bank.
• The card member's having been declared as an insolvent.
• The card member's having been declared as an insolvent.
• The card member's failure to furnish any information or documents that may be required by AXIS Bank.
• The card member's entering into any composition with his/her creditors.
• The card member's defaulting on any of the terms and conditions of any other loan or facility provided by AXIS Bank to the card member.
• The existence of any other circumstances which, in the sole opinion of AXIS Bank, jeopardize AXIS Bank's interest.

Upon the occurrence of any event of default as specified above, AXIS Bank shall be entitled to exercise rights and remedies available to it under these terms and conditions as also the primary terms and conditions.

• Axis Bank ATMs
  For transactions such as cash withdrawals, balance inquiry, cheque or cash deposit, PIN change, transfer of funds, mini statement etc.
• VISA or VISA Plus ATMs
  For cash withdrawals and balance inquiry transactions.
• Merchant establishments
  (displaying the VISA Electron sign and having Electronic Swipe Terminals): To make payments for purchases at shops, department stores or payments at restaurants, petrol pumps etc.

ATMs
Your Axis Bank Debit Card and Personal PIN is required for ATM Usage. Please memorise this PIN. It is recommended that you do not write your PIN on the Debit Card or anywhere in proximity to the card. Refrain from giving your PIN to any other person or merchant establishment or bank employee.

Merchant establishments
You can follow these simple steps to make payments at Merchant establishments with your Axis Bank Debit Card

• Please make sure you have sufficient balance in your primary account.
• Look for a VISA or VISA Electron sign at the point-of-sale merchant establishment. The merchant will have an electronic POS (Point Of Sale) swipe terminal.
• Present the debit card to the merchant at the time of making payment
• The merchant will swipe the card on the electronic POS terminal.
• After a successful authorisation, a hold is placed on your primary account (designated by you at the time of application) for the transaction amount.
• A sales slip is generated from the electronic swipe terminal
• Check the amount on the sales slip and sign it. Your signature must match that on the debit card.
• The merchant verifies the signature and returns the card.

Caution: You do not require your personal PIN for merchant establishments.

For lost Debit Card, call 022-67987700

• Sign your card the moment you receive it.
• Always sign the card with a ballpoint pen.
• The moment you get your debit card, note down the card number and the emergency number. Should you ever misplace your card or if it gets stolen, you will be able to report a loss immediately.
• For security reasons, we advise you to keep a photocopy of the front and back side of the debit card with you.
• Keep the above two numbers in a place other than the wallet that nests your card. If your wallet gets stolen, you won't have to frantically hunt for the emergency number.
• If going abroad, make note of the card company's (Visa or MasterCard) emergency number abroad.
• Report lost or stolen cards immediately.
• Try and memorize the PIN instead of noting it down somewhere.
• Don't lend your card to anyone. Be well aware of who has access to your cards. If your debit card is borrowed by a family member (spouse, child, parent), with or without your knowledge, you are responsible for their purchase or cash withdrawal.
• Never disclose the card number unnecessarily.
• Do not give your debit card number over the phone or on the Internet.
• Never leave your card unattended at a shop or restaurant.
• Make sure the card returned to you at the merchant establishment is yours.
• When using your card in a merchant establishment, only your signature is needed. Never disclose any other personal details about yourself, be it your address or phone number.
• Never sign an incomplete sales slip. Make sure it is totaled.
• Always keep a copy of the bill and the payment slip and ATM receipts for cash withdrawals.
• Always check your billing statement. Check the purchases and compare it with the bills in your and receipts in your possession.
• If returning or handing over the card to the bank, make sure you give it to a bank official and cut it before doing so. This ensures that the card is never used again.