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Visa Checkout

Visa Checkout is a stored Cards digital wallet that makes online shopping faster & can be used across all your devices. 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: 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.
How to register?
  • 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
How to pay using Visa Checkout when shopping online
  • 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
  • What is Visa Checkout?
    Visa Checkout makes online shopping faster by making it easy to complete your purchase. Enter your Visa Checkout username, password, and speed through your online shopping experiences with a single account that can be used across major e-commerce merchants and across all your devices. No need to re-enter your card number or address. In addition, you can store and use your major credit and debit cards.
  • I already have a Visa Checkout account. Do I need to create a separate account to store Axis Bank Cards?
    No. You can store your Axis Bank cards in your existing VISA checkout account. Mark it as “Default” to continue making faster payments using Axis Bank cards and keep accruing eDGE Loyalty Reward Points and cashbacks, as applicable.
  • Should I mark Axis Bank card as ‘Default’ even if I can store & use my other bank card to pay via Visa Checkout?
    Yes. This will ensure that your online spends via the default Axis Bank card will keep accruing eDGE Loyalty Reward Points, the Best Reward Program in the banking industry
  • Will I get extra eDGE Loyalty Reward Points by using VISA Checkout?
    No. Usage of Visa Checkout will not earn you additional eDGE Loyalty reward points. You will, however, be entitled to eDGE Loyalty Reward Points for online transactions done, as per your card program. E.g If an online transaction done today earns you 100 eDGE Loyalty Reward Points, then same transaction done via VISA Checkout will earn you 100 eDGE Loyalty Reward Points only.
  • Is it mandatory to enroll in/use this service?
    No. You are under no obligation to enroll for this service. Even if you choose to enroll, there is no requirement to necessarily use this service. You can continue making online payments without using VISA Checkout.
  • If not mandatory, then why should I use this?
    For all online transactions, you require an OTP/VbV password. By using this solution, the requirement of OTP/VbV password – for transactions upto Rs. 2000 – has been waived off by RBI. Please note, this rule will not be applicable for the first transaction done by you. For all transactions above Rs. 2000, an OTP/VbV password will be required for customer verification.
  • What kind of payment methods can I add to my Visa Checkout account?
    You can add Axis Bank Visa & MasterCard Credit and Debit cards to your Visa Checkout account.
  • What if I am having trouble adding an Axis Bank card?
    If you receive an error message when you try to add an Axis Bank Debit or Credit card, please verify that you have correctly entered your card number present on your physical card
  • I am seeing my Axis Bank card design on Visa Checkout button. Have my details been compromised?
    No. This is a feature introduced by VISA wherein your card design will be shown to you on merchant checkout page. This will enable you to simply ‘swipe’ the tab and proceed with payment.
  • Does Visa Checkout work on my mobile device?
    Yes, Visa Checkout can be accessed using any web-enabled mobile device.
  • Where can I use Visa Checkout to make purchases online?
    For a full list of acceptance of VISA Checkout, visit here.
  • Can I share my login credentials with anyone?
    Please do not share your Visa Checkout credentials, OTP, card number or any other sensitive banking information to anyone. Neither bank nor VISA will call you to cross-verify any detail.
  • If I suspect someone has stolen my password, what should I do?
    Contact VISA immediately on to block your account. You can also use “Forget Password” to re-set password to your own account.
  • Whom should I contact if I have a question about a purchase I made with my Visa Checkout account?
    If you have concerns about promotion, coupon, discount, charge, delivery of or issues related to a purchase, the status of a refund, or any customer service issues with the merchant, please contact the merchant.
    If you have an issue that has not been resolved by the merchant and would like to escalate a concern about a charge or refund, contact Axis Bank by calling the customer service number
  • What are the guidelines for creating a password for a Visa Checkout account?
    When you are selecting a password for your Visa Checkout account, keep these password requirements in mind:
    • At least 6 characters and maximum 32 characters.
    • Can include lower case and capital letters.
    • Allowed special characters: ! @ # $ % & * ?
    • Cannot contain a portion of your email address.
    • Cannot contain spaces or three or more consecutive repeating characters.
  • If I forget my password, what should I do?
    If you forget your password, follow these steps:
    • Visit
    • Click the "Forgot?" link on the sign-in page.
    • VISA will send password reset instructions to the email address associated with your account. Follow the instructions to create a new password.
    If you do not receive the password reset email, we suggest checking your spam folder. If the email is not there, you can request a new one by clicking here.
  • My account is locked. How can I unlock it?
    To prevent unauthorized access to your account, VISA will lock your account temporarily if you enter an incorrect username or password too many times. You can unlock your account by using the Forgot Password link, or you can click here for assistance. You will not be able to use your Visa Checkout account for purchases when the account is locked.
  • Why am I presented with security questions when I try to access my account?
    To protect your account from unauthorized access, VISA may ask you to answer a security question that other people would have trouble answering. If you have trouble accessing your account at any point, these questions help VISA confirm your identity. VISA might ask you to answer these questions when you log in from a new device, when you have forgotten your password, or when you contact customer support via phone.
    When you create a Visa Checkout account, security questions are generated automatically based on information stored in your account. You may optionally set up additional security questions by signing in to your account and clicking the Account Settings link.
    The answers to your Visa Checkout security questions must meet the following requirements:
    • Answers must be between 3 and 24 characters in length.
    • The characters you use can be numbers, letters, special characters, and/or spaces.
    • You cannot use the same answer for another Visa Checkout security question.
    Your answers are not case-sensitive, so "Dog" and "DOG" are treated the same way.
  • How do I change my password?
    You can change your password any time you need to by following these steps:
    • Visit and sign in to your account.
    • Go to "My Account Information" section.
    • Click "Edit" under "Sign In Information"
    • Click "Update" to save your new password
    VISA will send a confirmation email to your email address to notify you of the change.
  • How do I close my account?
    To permanently close your personal Visa Checkout account, click the link below: Close Your Account

Axis Bank Masterpass

Axis Bank 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: Axis Bank 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 Axis Bank Masterpass
How to pay using Axis Bank Masterpass when shopping online
  • Select “Buy with MasterPass” payment option
  • Enter the Axis Bank 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 Axis Bank Masterpass, enter a One Time Password and register the device for authentication for subsequent transactions

Register Now!

Already registered? Login now.

  • What is Axis Bank Masterpass?
    Axis Bank MasterPass is a digital stored cards wallet payment solution designed by Axis Bank to make your online shopping safer, easier and more convenient. With Axis Bank MasterPass, you can shop, click, and checkout faster online.
  • How do I sign up or register for Axis Bank 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 Axis Bank Masterpass page on Axis bank hosted website
  • 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 Axis Bank 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 Axis Bank 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 Axis Bank 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 Axis Bank 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 1860 419 5555 & 1860 500 5555. Alternatively, send an email at
  • What if I forget my user ID for Axis Bank Masterpass?
    Click on “Forgot user ID” option on the home page. Enter your Axis Bank customer ID for authentication. Post successful authentication, your Axis Bank Masterpass user ID will be sent on the registered mobile number.
  • How do I use Axis Bank Masterpass to buy something?
    Post registering for Axis Bank Masterpass, simply click on “Buy with MasterPass” while selecting the mode of payment. Enter the Axis Bank MasterPass User ID & password on the merchant website to complete your transaction.
  • Where can I use Axis Bank Masterpass?
    Right now, there are multiple online retailers which accept Axis Bank MasterPass. List of stores which accept Axis Bank Masterpass are mentioned on 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 Axis Bank Masterpass?
    No, Axis Bank offers Axis Bank 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 Axis Bank Masterpass.
  • I have received an invitation code? What do I next?
    The invitation code is sent to select customers for using Axis Bank 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 6,9 and 12 months
  • Reducing balance rate of interest 14% p.a.
  • Interest rate applicable is  8.55% p.a (3 Months MCLR) + 5.45% p.a.  i.e. effective rate of interest would be 14% p.a. ( No reset ). For more information on MCLR  kindly  visit  our website
  • Minimum Loan Amount 8000 to Maximum Loan Amount Rs.1,00,000
  • No partial conversion of the transaction account

Customer eligibility check:

  •  To verify the EMI offer eligibility, debit cardholder can send an SMS  DCEMI 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 stores where the offer can be availed.

List of Merchant offers available:

  • Flipkart

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
Process of Conversion to EMI

On E-commerce Platforms

  • Customer visits the website/App where the offer is available and selects the product/item
  • Customer will be given an option to select EMI on Debit Card payment option
  • Post selecting the Payment option, the customer will select the Tenure and agree on the T&Cs proposed by the Bank.
  • On clicking the T&C link, customer consent is received by the merchant on the EMI acceptance.
  • Customer is then redirected to a payment page for his authentication. Post successful authentication, the transaction is completed.

On Merchant Outlets

  • Customer visits the Merchant Outlet where the offer is available and selects the product/item
  • Customer will be given an option to select EMI on Debit Card payment option on POS Machine
  • Post selecting the Payment option, the customer will select the Tenure
  • Post tenure selection, a chargeslip will be printed with the TnCs, EMI details and the customer's consent is received by the merchant on the EMI acceptance.

To know your nearest store offering EMI facility, click here.

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

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.

  • The loan will be offered for a maximum tenor of 12 months with slabs of 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. 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(i.e. on 30th day Post EMI booking date).
  • The entire EMI amount will be included in calculation of Minimum Amount Due payable by the cardholder.
  • 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 Foreclosure Fee


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.


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 30 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 30 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,mark lien or debit 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.


Jewelry/Gold transaction are not eligible for EMI conversion.

1. NRIs
2. Minors
3. Debit card issued to a trustee in the CASA account of a Trust.
4. Debit card issued to an authorised signatory in the current account of a company.
5. Debit card issued to a partner in the current account of a partnership firm.
6. Debit card issued to a Karta in the account of an HUF.

Take advantage of your debit card


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.

Click Here

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

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.

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