Credit Card Protection - Useful Links

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If your Credit Card from Axis Bank ever gets lost or stolen, you are protected against fraudulent purchase transactions up to the Insured amount from the moment you report the loss to Axis Bank Customer Service or through the VISA Global Service helpline, if overseas.

The insurance is not valid for Internet and ATM transactions.

Axis Bank will arrange to replace your card within 7 working days after you put a request for card replacement at our Customer Service. If you recover your card after you have reported its loss, please do not attempt to use it. Instead, please destroy the card by cutting it into several pieces through the magnetic strip.

How to Claim

• Report loss of card to Axis Bank Customer Service immediately
• You are required to file an FIR with the Police for the lost/stolen card
• Fill up the Insurance Claim form and the dispute form and send it to the address mentioned in the form along with the requisite documents

With effect from July 13, 2013, the Lost Card Liability Cover has been revised for My Zone, My Choice, Platinum, Titanium, Gold & Silver Credit Cards.

Credit Shield covers your near and dear ones from the repayment burden in an unfortunate event of loss of life of the primary cardholder due to an Accident.

How to Claim

• Nominee has to report Death of the Cardholder to Axis Bank Customer Service
• Ask for Insurance Claim form from the Customer service executive
• Fill up the form and send it to the address mentioned in the form along with the requisite documents
• If the claim is approved, Insurance Company will issue cheque in favour of Axis Bank. Axis Bank will credit the approved claim amount to your Card account (subject to maximum cover)

With effect from July 13, 2013, Credit Shield Cover has been withdrawn from the Infinite & Signature/Wealth Signature Credit Card

In the unfortunate event of loss of life due to Personal Accident, your nominee will receive the benefits of Personal Accident insurance. This cover provides compensation up-to to the specified sum insured in the event of accidental death of the Primary cardholder for RuPay network credit card (1st April 2024 – 31st March 2025).

As soon as the legal nominee/next of kin knows about the death of the primary cardholder, he/she must intimate the Bank immediately. In any situation, intimation should not take more than 20 calendar days, from the date of death. Intimation can be done through call centre or nearest Axis Bank Branch. This insurance covers accidental injuries caused by all kind of Personal Accidents, Accidental Death and Permanent Total Disability.

Following RuPay variant credit cards are eligible for Accidental cover: INDIANOIL AXIS BANK  Credit Card, AXIS BANK KWIK Credit Card, FIBE AXIS BANK Credit Card, Axis Bank MY ZONE Rupay Credit Card, Axis Bank NEO Rupay Credit Card, AIRTEL AXIS BANK RuPay Credit Card.

Please click on the below links for claiming Accident cover Insurance on your RuPay Card:

A. Claim Process
B. FAQs on Insurance
C. Claim Form
D. Declaration Form

Note that credit cards with Mastercard and Visa Network are not covered for Personal Accident coverage.

Protection against fire or burglary within 90 days of purchases made on the Credit Card and needs to be mandatorily supported with an FIR. Gross negligence on part of the customer leading to loss will not be covered.

Cover against Standard Fire and Allied perils in residential premises of the cardholder as per the records of the Bank only. Cover valid for Burglary of goods purchased on Bank credit cards only

• Jewellery, perishable items are not covered
• Earthquake, Terrorism is not covered
• Mysterious disappearance is not covered

Available for the period of 90 days on purchase of tangible goods on card against damage or loss.Geographical Limit : India

How to Claim

• You are required to file an FIR with the Police for the lost/stolen goods
• Proof of goods purchased on Credit Card required
• Fill up the Insurance Claim form and the dispute form and send it to the address mentioned in the form along with the requisite documents

• In addition to Terms and Conditions as may be stipulated by the company providing Insurance Cover / facilities, the following Terms and Conditions shall govern such insurance cover.
• Insurance covers may vary from Card to Card. The Card member understands that he/she is required to check and understand the specific complimentary insurance cover provided to the Card member under the specific Axis Bank Card / Co-branded Card / Corporate Card.
• The Card member specifically understands that any complimentary insurance cover / facilities provided on any card, if any, might not be available for any one or more specific category / type of Card.
• The complimentary insurance cover may be available only to Axis Bank card members who have transacted on the card for a Purchase / Cash Advance / EMI / Payment transaction, at least once, within 90 days prior to the day of occurrence of the incidence, for which the insurance claim is being made. Inactive cards (Cards that have been inactive as aforesaid for 90 days or more) and Cards that are overdue for payment will not qualify for the complimentary insurance covers. Air Accident cover is applicable only if the ticket has been booked using your Axis Bank Credit Card.
• Insurance covers are not provided by Axis Bank. Exclusions / limitations are applicable as per policies issued by the concerned insurance company. The card member specifically acknowledges that Axis Bank will not be liable in any manner whatsoever by virtue of any insurance cover provided, whether or not the premium for such insurance cover is paid by the card member. The card member acknowledges that the concerned insurance company will be solely liable, for all such insurance related claims / matters and the Card member shall not hold the Bank responsible for any matter arising out of or in connection with such insurance cover, whether for or in respect of any deficiency or defect in such insurance cover, recovery or payment of compensation, processing or settlement of claims or otherwise howsoever, and all such matters shall be addressed to and sorted out directly with the concerned insurance company and to the exclusion of Axis Bank and no communication in this regard will be entertained by Axis Bank. However, there could be specific exceptions to the aforesaid for certain insurance covers offered wherein Axis Bank may assist (but not obliged to) in informing about and collecting claim documentation and these can be communicated at the time of selling such insurance covers.
• The Card member acknowledges that the insurance cover so provided will be available to the Card member only as per the terms of the relevant insurance policy in force, and only so long as the Card member is and remains a Card member of Axis Bank with his Account being maintained in good standing, and on the Card membership being withdrawn (whether temporarily or permanently)for whatever reason, the benefit of such insurance cover shall automatically and ipso facto cease to be available from such date of cessation of card membership. Further, the Card member also agrees that even during the continuation of his Card membership, Axis Bank may at any time (in its sole discretion and without giving any notice thereof to the Card member or assigning any reason thereof) suspend, withdraw or cancel the benefit of such insurance cover, and there will be no binding obligation on Axis Bank to continue this benefit.
• The insurance benefits provided are as per the Terms and Conditions of the policies effected with the concerned insurance company. The Card member acknowledges that Axis Bank reserves the right to add, change, modify or completely withdraw any or all benefits provided with notice to the Card member.