Axis Bank ATM Withdrawal Limit: Daily, Monthly & Charges

Key Takeaways
 

1. Withdrawal Limits Vary by Card Type: Axis Bank ATM withdrawal limit per day ranges from ₹40,000 for Visa Classic/Platinum to ₹3,00,000 for Burgundy Debit Cards, depending on your account and card tier.
    
2. Charges Apply After Free Transactions: Once you exceed your free monthly ATM usage, Axis Bank charges ₹23 per domestic withdrawal and ₹125 for international withdrawals, with additional balance inquiry fees.
    
3. International Transactions Incur Extra Fees: Overseas withdrawals attract a 3.5% cross-currency markup + GST and a 1% Dynamic Currency Conversion (DCC) fee, so using Axis Bank cards abroad should be planned carefully to minimise costs.

Bonus Point: From 1 July 2025, Axis Bank increased fees for ATM transactions beyond free limits from ₹21 to ₹23 per transaction, affecting all segments (savings, NRI, trust accounts) and both Axis and non-Axis ATMs.

 When you hold a debit or ATM card issued by Axis Bank, the bank sets a maximum amount you can withdraw from an ATM in a single day. This is known as your daily ATM withdrawal limit, and it varies across customers. 

Your limit is influenced by several key factors such as the type of debit card you hold, the category of your savings or current account and the internal security policies followed by Axis Bank to protect customer funds. Premium cards and higher-tier accounts usually offer higher withdrawal limits, while basic variants come with modest caps for safety. 

Understanding these factors and knowing your exact withdrawal limit helps you plan your cash needs better, avoid declined transactions and prevent unnecessary fees.

What is Axis Bank's ATM Withdrawal Limit?

The ATM withdrawal limit is the maximum amount of cash you are permitted to withdraw from an ATM (whether Axis Bank’s own ATM or another bank’s ATM) in a single day using your Axis Bank debit/ATM card. 

This limit ensures security, controls cash flow, and aligns with banking risk parameters. According to official material, Axis Bank’s limit “ranges from around ₹20,000 to ₹50,000 depending on account type and customer profile.

Axis Bank ATM Withdrawal Limit by Card Type

Axis Bank offers different daily ATM withdrawal limits depending on the type of debit card you hold. Premium cardholders enjoy higher limits, while standard cards have modest caps suitable for regular transactions.
 

Note: These limits may change based on your account type or bank policy. Certain premium accounts, such as the Prestige Savings Account, allow unlimited ATM withdrawals from Axis Bank or non-Axis Bank ATMs. You can also customise or modify your withdrawal limits anytime using the Axis Mobile App, Internet Banking, or by visiting an ATM.

How to Check Axis Bank ATM Withdrawal Limit?

Here are ways you can check your exact ATM withdrawal limit with Axis Bank:

1.Through the Axis Mobile App 
 

1. Open the Axis Mobile App and log in using your MPIN or biometric credentials.
2. On the home screen, tap on ‘Banking’.
3. From the menu, select the ‘Services’ option.
4. Under the ‘Cards’ section, tap on ‘Debit Cards’.
5. Choose ‘Manage Usage’ from the available options.
6. Select the debit card for which you want to view the withdrawal limit.
7. Pick ‘Domestic Usage’ or ‘International Usage’ based on the type of limit you wish to check.
8. Your current ATM withdrawal limit will now appear on the screen.
9. To change the limit, adjust the on-screen sliders as per your preference.
10. Tap ‘Confirm’ and enter the OTP received on your registered mobile number to save the changes.

2. Via Internet Banking Dashboard
 

1. Log in to Internet Banking: Visit the official Axis Bank Internet Banking website and log in using your Customer ID and password.
    
2. Access the Services Menu: On the main dashboard, click on the ‘Services’ tab in the top menu bar.
    
3. Open Debit Card Services: From the dropdown list, select ‘Debit Card Services’.
    
4. Select Your Debit Card: Choose the specific debit card for which you want to view the ATM withdrawal limit.
    
5. Go to Manage Usage: Click on ‘More Services’, then select ‘Manage Usage’ from the available options.
    
6. View Your Withdrawal Limits: You’ll now see your daily ATM withdrawal limits for both domestic and international transactions displayed on the screen.
    
7. Modify the Limits (Optional): To increase or decrease the withdrawal limit, adjust the settings on the Manage Usage page. Enter the OTP sent to your registered mobile number to confirm and save your changes.

3. By visiting the Nearest ATM (check the balance slip)

1. Go to the nearest Axis Bank ATM (or other bank ATM if accessible).
2. Insert your debit/ATM card, enter PIN, and choose “Mini statement/balance enquiry”.
3. Some ATMs display “Maximum cash withdrawal today” or “Available limit” lines on the slip.
4. If not shown, use other methods above or call the bank.

4. By Calling Customer Care or Visiting a Branch

• Call the Axis Bank customer-care number and ask for your “daily ATM withdrawal limit” for your card type.
• Visit your branch, show your ID, ask the branch executive for your debit card’s ATM withdrawal limit and whether it can be increased.

By following above-mentioned methods, you can easily check your Axis bank ATM withdrawal limit.

How to Increase Your Axis Bank ATM Withdrawal Limit?

If you need a higher limit (e.g., for large cash needs), here are steps you can try:

• Upgrade your debit card to a higher-tier variant (e.g., from standard to Priority/Wealth/Burgundy), which naturally carries a higher limit.
   
• Maintain a high average balance in your savings/current account linked to the card; banks often grant higher limits to premium/wealth customers.
   
• Ensure your account is fully KYC-compliant, active for some time and has a clean transaction history.
   
• Request that the bank increase the daily withdrawal limit via customer care or at a branch; some banks allow custom limit increases after a risk assessment.
   
• Use net-banking or app settings (if available) to modify your card’s limit within the allowed threshold (subject to bank approval).
   
• Consider splitting large cash requirements across multiple days rather than seeking an extreme one-day draw.

Axis Bank ATM Withdrawal & Transaction Charges

Axis Bank charges vary depending on the type of debit card you hold. Premium cards like Burgundy Private come with zero annual fees, while business and lifestyle cards have structured annual, issuance, and replacement fees. Below is a detailed breakdown of fees applicable to each debit card variant. 
 

These fees are effective from 1st April 2025 and may vary based on your account type or Axis Bank’s latest policy updates. Always verify the most recent fee structure through Axis Bank’s official website or by contacting customer care before applying or replacing a debit card.

For more information related to other Axis bank debit cards, you can visit this website (https://www.axisbank.com/docs/default-source/default-document-library/cards/fees-and-charges-for-debit-card.pdf). 

Conclusion:

Your Axis Bank ATM withdrawal limit depends on your debit card variant and account type. If you know this limit, then it will help you manage cash needs smoothly and avoid failed withdrawals. 

You can view or change your limit through the Axis Mobile App, Internet Banking or customer care. Choosing a premium card may also increase your daily withdrawal limit and offer added convenience.

FAQs Related to Axis Bank ATM Withdrawal Limit

Q1. Why is my ATM withdrawal being declined even though I have a sufficient balance?
Possible reasons: you reached your daily ATM withdrawal limit, the ATM has insufficient cash, your card’s ATM limit is lower, or your card is blocked/inactive for cash withdrawals.

Q2. Does my Axis Bank ATM withdrawal limit increase automatically when my salary account gets upgraded?
Yes, certain salary account upgrades instantly raise your card’s withdrawal limit based on the new account tier.

Q3. Can I temporarily increase my ATM withdrawal limit during travel or emergencies?
Yes, Axis Mobile App allows temporary limit enhancements for added flexibility and safety.

Q4. Can I still withdraw cash if I reach my ATM limit but have funds in my account?
You must wait until the next reset cycle, as limits apply even if your balance is sufficient.