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PingPay Masterpass

PingPay Masterpass is a stored Cards digital wallet that makes online shopping easy, secure and convenient. You can store all your Axis Bank Credit and Debit Cards as well as your shipping details in one secure wallet for faster check-outs.

Key Benefits
  • Convenient: Pingpay Masterpass 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 a simple six digit password, 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 Masterpass, simply select the Card and complete the payment for a faster check-out.
How to register?
  • Enter either your Debit Card, Credit Card or Net Banking credentials
  • Authenticate using One Time Password (OTP) sent on your registered mobile number
  • Post authentication of the credentials and OTP, create your username and six digit numeric password
  • The remaining cards mapped to your customer ID will get linked to your Masterpass account automatically
  • Store your Shipping details for a convenient shopping experience
  • Register your device for a seamless, secure online transaction. An OTP authentication will be required when logging in through a different device
  • You can now enjoy the ease of online shopping using PingPay Masterpass
How to pay using PingPay Masterpass when shopping online
  • Select “Buy with MasterPass” payment option
  • Enter the PingPay Masterpass username and six digit numeric password to log in from registered device
  • Post successful login, select the Debit Card/Credit Card and shipping address for making the payment
  • If your device is not registered with PingPay Masterpass, enter a One Time Password and register the device for authentication for subsequent transactions

Register Now!

Already registered? Login now.

FAQs
  • What is PingPay Masterpass?
    PingPay MasterPass is a digital stored cards wallet payment solution designed by Axis Bank to make your online shopping safer, easier and more convenient. With PingPay MasterPass, you can shop, click, and checkout faster online.
  • How do I sign up or register for PingPay Masterpass?
    You can register with any of your Axis Bank Visa/MasterCard Debit & Credit Cards or Internet Banking for this service. The registration can be completed through the PingPay Masterpass page on Axis bank hosted website www.axisbank.com.
  • Can I register with more than one Axis Bank Card?
    No, you can register with any one of your Axis Bank Visa/Master Credit/Debit Cards or Internet Banking. The remaining cards mapped to your customer ID will get linked to your Masterpass account automatically.
  • How do I register my Axis Bank Visa/Master Card?
    You need to create a new user ID and password for PingPay Masterpass. The User ID can be alphanumeric and it can be your name / registered email id / registered mobile number. Password should be a six digit numeric code. Just use your Axis bank Internet Banking/Card credentials to authenticate and register your Cards/account with PingPay Masterpass.
  • After I register, how long does it take for Masterpass to become active on my card?
    The registration process is completely online and activates instantly. Your registration success message will be displayed at the end of the registration process and you can start using the facility to shop securely on the Internet straightaway.
  • Can I register Masterpass from any computer/Mobile?
    You can register for PingPay Masterpass on the Axis Bank website through any Desktop/Laptop/Mobile that has an Internet connection with Internet Explorer 6.0 and above, or Mozilla Firefox or Google Chrome.
  • What if I forget my password?
    In case you have forgotten your PingPay Masterpass password, then you will be asked to enter your customer ID for authentication. Post validation of the same, you can reset your password. Other settings will remain the same as per your earlier set preferences.
  • If I suspect someone has stolen my password or used ID to make fraudulent purchases, what should I do?
    Contact Axis Bank immediately on 18002095577/18001035577. Alternatively, send an email at customer.services@axisbank.com
  • What if I forget my user ID for PingPay Masterpass?
    Click on “Forgot user ID” option on the home page. Enter your Axis Bank customer ID for authentication. Post successful authentication, your PingPay Masterpass user ID will be sent on the registered mobile number.
  • How do I use PingPay Masterpass to buy something?
    Post registering for PingPay Masterpass, simply click on “Buy with MasterPass” while selecting the mode of payment. Enter the PingPay MasterPass User ID & password on the merchant website to complete your transaction.
  • Where can I use PingPay Masterpass?
    Right now, there are multiple online retailers which accept PingPay MasterPass. List of stores which accept PingPay Masterpass are mentioned on www.axisbank.com. More sites are coming soon, so if we don't already have it, then your favorite store might just be next!
  • Do I have to pay to register for PingPay Masterpass?
    No, Axis Bank offers PingPay Masterpass absolutely free of charge. There may be charges levied for data usage, SMS etc. Please check with your operator for details.
  • Do I need to download a separate app?
    No, currently there is no separate app for PingPay Masterpass.
  • I have received an invitation code? What do I next?
    The invitation code is sent to select customers for using PingPay Masterpass. This code needs to be keyed in at the time of registration.

EMI on Debit Card transaction

EMI facility

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 1800 103 5577 /1800 209 5577

List of Merchant offers available:

  • Jumbo Electronics

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

Tenure Options Monthly Installments Per Rs. 1000
3 337
6 172
9 116
12 89

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

Process of Conversion to EMI
  • 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.
Terms and Conditions for EMI conversion on Debit Card

"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.

Take advantage of your debit card

Offers


As an Axis Bank Cardholder, get the best of all worlds. Relish sumptuous meals at famous restaurants or get yourself the choicest of consumer durables in super discounted prices! Go ahead and indulge yourself.


Click Here


MyDesign - Image Debit Card


Have a look at yourself and your family every time you take your card out to shop, or re-live that glorious moment from your vacation or graduation day. Leave your friends and colleagues spellbound every time you take your personally designed card out to pay.


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eDGE Loyalty Rewards Program


eDGE Loyalty Rewards Program allows makes your Debit Card more rewarding for you. You earn eDGE Loyalty Rewards points when you spend with your Debit Card and spend them on over 500 carefully selected rewards items just for you! Not only this, you also earn points on Axis Bank Credit Card and select transactions on Savings Account.


Click here to know more about the program

How to use your card

The Axis Bank Debit Card is a multifunctional card. It can be used at:
  • 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.
Some Important Points

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

Do's and Dont's
  • 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.