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Prepaid Cards

Smart Pay Card

A prepaid card that helps you disburse salaries,
incentives and reimbursements with ease

Easy to Use

Eliminates the need for a separate salary account

No Balance Requirement

Nil minimum balance required

No Restrictions

The Smart Pay can be used at all Axis Bank ATMs in India as well as at any VISA Merchant Establishments for purchase transactions in India

High Transaction Limits

Rs. 20,000 daily cash withdrawal limit at Axis Bank ATMs Rs. 50,000 daily purchase limit

Features and Benefits

The Axis Bank Smart Pay Card is designed for making hassle-free disbursements of salaries/petty cash /reimbursements to your blue collar employees. With secure and convenient electronic payments it ensures instant pay outs and empowers your employees with anywhere-anytime money.

You just need to approach any Axis Bank Branch or write in to

The Axis Bank Smart Pay Card is issued on the VISA platform and can be used to withdraw cash or at any VISA enabled merchant outlets across the country.

ATM access is provided on Axis Bank Smart Pay Cards for cash withdrawal and balance enquiries.

The Axis Bank Smart Pay cards can be loaded for amounts varying between Rs. 500 to Rs. 50,000 in a day, subject to available balance in the card.

The maximum withdrawal limit in a day from an Axis Bank ATM is Rs. 20,000. The Smart Pay can also be swiped for upto Rs. 50,000 in a day, subject to the balances available on the card.

Axis Bank provides you the facility of Balance Enquiry on your Smart Pay Card through ATM and Internet Banking facilities. The Axis Bank Smart Pay Card Kit contains an Internet Banking PIN, an ATM PIN, and a Telebanking PIN.
To check the balance, get a mini statement or carry out Internet Banking transactions:

  • Go to the Axis Bank Home page
  • Select Prepaid Cards option in Internet Login Tab options
  • Enter your Prepaid card number for login ID
  • Enter the WEB PIN provided for login password
  • You may now check the mini statement and balance on the card along with various other service options.

The Axis Bank Smart Pay cards can be used for making purchases online at VBV (Verified by Visa) certified merchants’ websites.
Prepaid Card Usage:

  • When you visit any shopping website, choose the payment option as Debit Cards
  • Enter the prepaid card number, expiry date, and registered e-mail address as requested
  • Once you submit the request you are taken to the VBV password verification page, enter the VBV password* as generated by you.

*VBV Password Generation Process:

  • As a first time user, you would be required to register as a VBV card user and set an online payment password for all future purposes
  • Once the payment gateway takes you to the “VBV Registration Page” the user would be asked to enter the ATM Pin, expiry date and registered e-mail address as a first time registration process
  • Once registered and you have set a password, your VBV registered password can be used for all future online transactions.

The Axis Bank Smart Pay card is a reloadable card. It can be loaded by the corporate as and when desired, subject to the maximum balance allowable limit.

The customer gets a PIN inside the Welcome Pack of the Smart Pay Card which he originally receives. The customer can also generate a Duplicate PIN by writing to our customer care team at A new PIN shall be dispatched to the nearest branch.

Please report loss of card to Axis Bank by visiting your nearest Axis Bank branch or write to us at You would need to file a report of the card loss with the police and submit a copy of the same to the branch. The lost card will be hot listed and the available amount less charges would be repaid to the original card applicant.

On expiry, the card-purchaser needs to handover the card to the nearest Axis Bank branch. Any Available Amount (subject to a minimum of Rs. 100/- (Rupees one hundred only) or above at the time of expiry of the card shall be refunded to the cardholder who had purchased the card after deducting the Bank's charges, provided a claim for such refund is made with the Bank not later than 3 (three) months from the expiry of the card.




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