AXIS Bank Debit Cards – Compare Features, Rewards & Application Guide

Suppose you have just chosen to reward yourself with a spanking new phone. You go online, put the ₹20,000 phone in your shopping cart, and pay using your Axis Bank Debit Card. What's great is that you earn 1,300 EDGE Points on the spot, that's ₹260 in rewards simply for shopping! Cool, right?

Subsequently, you realise that you need some cash, so you hop over to the closest Axis ATM, withdraw ₹10,000, and only pay a minuscule ₹21. How awesome is that?

Finally, you round off your day by having lunch at a restaurant which is a part of the Axis Dining Delights program, and receive a 25% discount, wasting ₹200. And if you are going for an overseas trip, no problem, your card is with you, with a 3.5% surcharge on international transactions (that is just ₹350 for a ₹10,000 purchase).

Notice how easy it is to earn, save, and earn more with each swipe? Pretty cool, right?

Motive of Axis Bank Debit Cards

The Axis Bank Debit Card allows you to withdraw money, shop online and in-store, and make purchases at merchant stores. It provides facilities such as EMI conversion, reward points, and digital wallet space for easy checkout, available at Axis Bank ATMs and VISA ATMs.

What is an Axis Bank Debit Card?

Axis Bank Debit Card is a convenient payment card that lets you withdraw cash, shop, and avail yourself of an array of banking services. You can use it at Axis Bank ATMs, VISA ATMs, and merchant outlets globally. The card lets you withdraw cash from any bank ATM and check your balance at Axis Bank ATMs. 

It allows you to make online purchases for shopping and other purchases buys, and point-of-sale buys by swiping at malls. The EMI facility allows you to convert your purchasesbuys into simple monthly instalments. You can also earn loyalty rewards on your spend, and utilise the card for convenient online shopping by saving it in a digital wallet for quicker checkouts.

Top Axis Bank Debit Cards for 2025

1. Priority Debit Card
2. Burgundy World Debit Card
3. Wealth Debit Card
4. Youth Debit Card
5. RuPay Platinum Debit Card
6. Rewards+ Debit Card
7. Power Salute Debit Card

1. Priority Debit Card

Axis Bank Priority Debit Card offers exclusive benefits for priority customers such as discounts on movie tickets, increased transaction limits, free ATM withdrawals, card issuance and annual fee waivers. These high-end benefits are designed to provide a more rewarding and convenient banking experience for cardholders.

Benefits of Axis Bank Priority Debit Card

Here’s the information about the benefits of the Axis Bank Priority Debit Card benefits in a table format:

Fees and Charges on Priority Debit Card

Eligibility

To obtain an Axis Bank Priority Debit Card, you must be an Axis Bank Priority Account customer. Non-priority customers are also eligible, but charges may apply.

Axis Bank Priority Account Eligibility

• For a Priority Digital Savings Account: You should be an Indian citizen holding a valid PAN and Aadhaar card.
• For a Priority Salary Account: You must have a minimum monthly salary of ₹1,00,000 and your company's referral.

2. Burgundy World Debit Card

Axis Bank Burgundy World Debit Card offers excellent facilities such as high spending limits, free ATM withdrawals, etc.

Benefits

• High spending limits: Have higher spending limits on shopping and ATM withdrawals.
• Free ATM withdrawal: Get free ATM withdrawals at any ATM anywhere in the world.
• Free cinema tickets: Get free cinema tickets from BookMyShow.
• Airport lounge access: Get priority access to special airport lounges in some Indian airports.
• Fuel surcharge waiver: Avail a waiver on fuel surcharges at Indian fuel stations.
• Dining discounts: Avail a 15% discount for over 1,500 dining establishments in India under the Axis Bank Dining Delights program.
• eDGE Loyalty Rewards: Avail 6 eDGE points for each ₹200 spent abroad and 2 eDGE points for each ₹200 spent locally.

Eligibility: Burgundy Debit Card is available only to Burgundy Account holders.

Other Features

• Touchless payments in partner stores for quicker, more secure shopping.
• Waived card transaction fee.

Fees and Charges:

Here is the information about the Axis Bank Burgundy World Debit Card in a table format:

3. Wealth Debit Card

The Axis Bank Wealth Debit Card has a host of benefits like free ATM withdrawal, dining savings, and lounge access at airports. You can also customize the appearance of your card.

Benefits

• Free ATM Withdrawals: Withdraw money at no cost from any bank ATM in India.
• Dining Delights: Receive discounts at more than 4,000 restaurants.
• Personal Accident Insurance: Insurance coverage up to ₹10,00,000 for accidental death.
• Airport Lounge Access: Enjoy complimentary access to airport lounges in India, twice a quarter.
• MyDesign: Design your card by selecting an image to be printed on it.
• No Issuance or Annual Fees: No issuance or renewal fees for the card.
• Fuel Surcharge Waivers: Enjoy waivers on fuel surcharges.

Other Features

• Create your PIN at an Axis Bank ATM or through phone banking.
• Block your card instantly if lost, stolen, or misused.
• Enjoy increased transaction limits.
• Accumulate eDGE Loyalty Rewards.
• Customise your card with a photo from the gallery or your own.

Fees and Charges

Here is the information about the Axis Bank Wealth Debit Card in a table format:

4. Youth Debit Card

Axis Bank Youth Debit Card offers diverse benefits to young consumers, including transaction and withdrawal limits, purchase protection, and discounts.

Features

• Transaction and Withdrawal Limits: ₹40,000 daily withdrawal and transaction limits.
• Purchase Protection: Protection from unauthorised purchases.
• Shopping and Dining Discounts: Avail discounts at chosen stores and restaurants.
• Zero Lost Card Liability: No liability in case your card is lost or stolen.
• PIN Generation: Generate your PIN easily.
• Emergency Blocking: Instantly block your card if it's lost or stolen.
• Banking Access: Use banking facilities all over the nation.

Who is eligible?

• Axis Bank customers aged 18 to 25 years can apply for the Youth Debit Card.

Other Benefits:

• Take cash from ATMs.
• Use it for purchases online and offline.
• Spend up to your limit.
• Check your spending limit.
• An overdraft facility is available when your account runs low.

Fees and Charges:

Here is the information about the Axis Bank Youth Debit Card fees in a table format:

5. RuPay Platinum Debit Card

Axis Bank RuPay Platinum Debit Card provides numerous benefits, ranging from airport lounge visits, dine-out offers, and cashback.

Benefits

• Lounge Access: Get free access to domestic and international airport lounges and domestic railway lounges.
• Dining Offers: Avail exclusive dining offers and experiences.
• Cashback: Get cashback on utility bills.
• Merchant Offers: Get special merchant offers at select stores (offline and online).
• Amazon Pay: Avail an exclusive offer with Amazon Pay.
• Swiggy: Avail an exclusive discount with Swiggy.

Eligibility:

• RuPay Platinum Debit Card benefits are extended to all Axis Bank Savings Account Debit Card customers in India.

RuPay Card Acceptance

• RuPay card is accepted anywhere in India but not for payments on foreign websites.

Platinum Debit Card Privileges:

• Platinum cards also have additional privileges such as international ATM coverage, increased spending limits, and international priority customer support.

Fees and Charges:

Here is the information about the fees and charges for the Axis Bank RuPay Platinum Debit Card in a table format:

Other Debit Card Features

These are the other details of the Axis Bank RuPay Platinum Debit Card:

• Daily Cash Withdrawal Limit: ₹40,000
• Daily Purchase Limit: ₹2,00,000
• Airport Lounge Access: Use of both domestic and international airport lounges
• ATM Access: Usage at any ATM having the RuPay logo
• Accidental Insurance: Insurance against accidents

Note: The RuPay card can be used widely in India but cannot be utilised for transactions on foreign websites.

6. Rewards+ Debit Card

Axis Bank Rewards+ Debit Card provides rewards on shopping globally and can be used for offline and online payments.

Benefits

• Returns: Receive rewards for shopping anywhere in the world.
• Contactless Payments: Pay without even touching the card.
• International Transactions: Make transactions across the globe using the card.

Other Features

• Higher Transaction Limits: Enjoy increased daily purchase and withdrawal limits.
• Insurance: Avail personal accident insurance coverage.
• PIN Generation: Create your PIN via Axis Bank ATM, phone banking, mobile banking, or Internet banking.
• Card Blocking: Block your card immediately if you feel your details are compromised or misused.

Additional Information

• The Rewards+ Debit Card is a Visa card.
• You can use it to withdraw cash, check account balances, deposit money, and pay online or offline.
• The card is included in the Axis Bank EDGE rewards program.
• Indulge in shopping and dining benefits with the Rewards+ Debit Card.

Fees and Charges:

Here is the information about the fees, limits, and charges for the Axis Bank Rewards+ Debit Card in a table format:

7. Power Salute Debit Card

Axis Bank Power Salute Debit Card is issued to defence personnel with a Defense Salary Account at Axis Bank. It provides numerous benefits, such as insurance coverage, high limits on transactions, and discounts.

Benefits

• Insurance: Up to ₹10 lakh personal accident insurance and up to ₹25 lakh air accident insurance.
• Purchase Protection: Protects loss or damage to consumer goods such as electronics due to fire, robbery, or natural calamities.
• Discounts: 20% discount on Swiggy and Amazon on Fridays, and membership in the Axis Bank Dining Delights Program.
• Transaction Limits: ₹40,000 daily cash withdrawal limit and ₹2 lakh purchase limit.
• No Joining or Annual Fees: Lifetime-free card.

Other Features

• Create your PIN at any Axis Bank ATM or through Axis Bank Phone Banking.
• Make cash transactions through mobile banking and the Internet.
• Get customer service 24/7.
• Avail a mini statement or account balance immediately through SMS banking, missed call service, or WhatsApp banking.

Eligibility

• You can apply for the Power Salute Debit Card if you are in the defence sector and have a Defence Salary Account with Axis Bank.

Fees and Charges

Here is the information about the fees and charges for the Axis Bank Power Salute Debit Card in a table format

How to Apply for a New Axis Bank Debit Card?

Here are the simple steps to apply for a new Axis Bank debit card online:

Using the Axis Mobile App:

1. Download the ‘Axis Mobile App’ from the Google Play Store or Apple Play Store.
2. Install the Axis Mobile app on your device.
3. Register into the mobile application with your bank details.
4. Go to the ‘Banking’ option and click on it.
5. Select the ‘Services’ option.
6. Choose the ‘Debit Cards’ option.
7. Click on the ‘Apply for Debit Card’ option.
8. Follow the instructions to complete your application.

Using Internet Banking:

1. Go to the Axis Bank Internet Banking portal and log in with your username and password.
2. Once logged in, click on the ‘My Accounts’ section.
3. Then, select the ‘My Debit Cards’ option.
4. Click on the ‘Apply for Debit Card’ option.
5. Follow the instructions to complete your application.

By Phone:

1. Call Axis Bank customer care at 1860-419-5555 or 1860-500-5555.
2. Follow the instructions from the customer care representative.

By Visiting a Branch:

1. Go to your nearest Axis Bank branch.
2. Request a new debit card.
3. Fill out the application form.
4. Submit the form along with any required documents.
5. The bank will process your request and send you the debit card in a few days.

How to re-apply for a lost debit card?

Here are the simple steps to re-apply for a lost Axis Bank debit card via Internet Banking:

1. Go to the Axis Bank Internet Banking portal and log in with your username and password.
2. Once logged in, click on the ‘My Accounts’ section.
3. Then, select the ‘My Debit Cards’ option.
4. A list of your debit cards will appear. Choose the one you want to block.
5. Click on the ‘Block/Replace’ option after selecting the debit card.
6. If you want to upgrade your card to a higher limit with better offers, click the ‘Upgrade’ button.
7. Choose the debit card you want to apply for if you select the ‘Upgrade’ option.
8. You will receive an OTP on your registered mobile number.
9. Enter the OTP and click ‘Submit’ to confirm your application for a new card and block the lost card.

Eligibility to apply for Axis Bank Debit Cards

To apply for an Axis Bank debit card, you need to meet the following requirements:

• You must have an Axis Bank account.
• You must be at least 18 years old.
• You need to have a savings or salary account (not a Priority Account).
• You should not be an NRI (Non-Resident Indian).
• You cannot have a no-frills or basic savings account.

Documents Required to Apply for Axis Bank Debit Cards

To apply for an Axis Bank debit card, you will need to submit some documents based on the type of card:

Proof of Identity:

• Aadhaar card, Driving license, Voter's ID, or PAN card.
  
  

Proof of Address:

• Passport, Driving license, Ration card, or Utility bills.
  
  

Other Documents

• For a Rewards+ Debit Card, you may need to submit proof of employment.
• For a Wealth Debit Card, you might need a company introduction if you hold a salary account.
• For a Visa Classic Platinum Debit Card, you need to have a savings account with Axis Bank.
• For a Minor Account, proof of age and address of the parent or guardian may be required.
• For a Partnership Account, you may be requested for a letter of indemnity from the partnership firm.

Axis Bank Debit Card Charges

Here is the table with the fees and charges for the Axis Bank Debit Cards:

ATM Transaction Charges

Here is the table with the ATM transaction charges

Note:

1. A cross-currency mark-up of 3.5% + GST will be levied for all international cash withdrawal and purchase transactions.
2. A charge of 1% + GST will be applicable for all dynamic currency conversion international transactions.

How to change the Axis Bank Debit Card Withdrawal Limit?

You can change your Axis Bank debit card withdrawal limit through the Axis Mobile app, internet banking, or at an Axis Bank ATM. Here’s how:

Using the Axis Mobile app:

1. Download the ‘Axis Mobile: Pay, Invest, UPI’ from the Google Play Store or Apple Play Store.
2. Log in to the app with the help of your credentials.
3. Click on the ‘Banking’ option.
4. Select the ‘Services’ option.
5. Click on the ‘Debit Cards’ option.
6. Click on ‘Manage Usage.’
7. Select the debit card you want to update
8. Choose Domestic Usage or International Usage

Using internet banking:

1. Go to the Axis Bank Internet Banking portal and log in with your username and password.
2. Once logged in, click on the ‘My Accounts’ section.
3. Then, select the ‘My Debit Cards’ option.
4. Choose the debit card according to your preference.
5. Click on the ‘More Services’ option.
6. Click on the ‘Manage Usage’ option.
7. Select Domestic Usage or International Usage.

Using an Axis Bank ATM:

1. Visit an Axis Bank ATM
2. Follow the instructions on the screen to change your limit

You can change your withdrawal limit as many times as you need. The new limit will be updated within one working day, and you will receive a message when it’s done.

Note: Your debit card limit depends on the type of bank account you have.

Benefits of having Axis Bank Debit Cards

Axis Bank debit cards have various benefits, including increased transaction limits, insurance coverage, and lounge access.

Transaction Limits:

• Increased purchase and withdrawal limits
• Increased transaction limits on the Online Rewards Debit Card

Insurance:

• Additional insurance cover for the main cardholder
• Protection against fraud, loss of card, and damage to consumer goods purchased with the card

Lounge Access:

• Complimentary access to VIP airport lounges at specific locations in India

Fuel Surcharge Waivers:

• Waiver on fuel surcharges at petrol pumps in India

Customisation:

• Personalise your own Axis Bank debit card with MyDesign.

PIN Generation:

• Generate your debit card PIN easily, particularly with the Smart Privilege Debit Card

Emergency Card Blocking:

• Block your card immediately in the event of loss or theft

Other Benefits:

• Earn EDGE REWARD points on all spends on the card
• Get milestone benefits, Dining Delights with Eazy Diner, and more.

Customer Care Details related to Axis Bank Debit Cards

For help with your Axis Bank debit card, you can:

Call Customer Care:

• Dial 1860 419 5555 or 1860 500 5555 for assistance
• For emergencies, call the helpline at +91 22 6798 7700

Emergency Help:

• To report a lost or stolen debit card, call +91 22 6798 7700
• To block a lost or stolen card, call +91 22 6798 7700
• Alternatively, SMS "BLOCKCARD" to 5676782
• Or log in to Internet banking and select "Block Card" under Debit Cards

Other Ways to Contact:

• Visit www.axisbank.com/support
• Email: email.services@axisbank.com
• Use the structured format on the website to submit complaints

Customer Care Services:

• You can contact customer care to regenerate your ATM PIN, request a new chequebook, or get service details
• They can also help block a lost card.

Conclusion

Axis Bank Debit Cards provide an array of fantastic benefits that ensure banking is easy and fun. From shopping online, and cash withdrawal, to eating out, you can get rewards, discounts, and special offers. With Priority, Burgundy, and Youth Debit Cards, there's something for everyone, luxury, convenience, or saving. 

With the added advantage of a free ATM! withdrawal, airport lounge facility, and insurance cover, these cards help you get maximum value out of every transaction. So, delay no more! Indulge yourself in an Axis Bank Debit Card and make the most of your money today!

FAQs related to Axis Bank Debit Cards

Q1: What are the uses of an Axis Bank Debit Card?

An Axis Bank Debit Card lets you withdraw cash from ATMs, shop online, and pay at stores. Use your PIN for secure transactions at POS machines and online payments.

Q2: What is the insurance coverage with an Axis Bank Power Salute Debit Card?

The Axis Bank Power Salute Debit Card provides personal accident insurance coverage of INR 10 lakhs. In case of an air accident, the coverage increases to ₹25,00,000.

Q3: What does a debit card protect you from?

Debit cards are not protected under Section 75, since they are not an extension of a credit arrangement. Nevertheless, you can still recover your money through the Chargeback process, which is a different type of protection.

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