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A savings account is a secure deposit account offered by banks that allows you to save money while earning interest. It provides you easy access to funds for daily expenses and transactions, while offering nominal growth on the balance through interest.
Axis Bank provides a wide range of Savings Account variants with unique features and benefits, aiming to enhance your banking experience. You can seamlessly open an account digitally without any paperwork or branch visits. Alternatively, you can also visit any of our branches to start your banking journey.
Debit Card
Instant Virtual Debit CardProduct features
No Minimum Balance Required*No charges on any Domestic Banking TransactionsOffers & Discounts
Avail amazing Debit card benefits worth ₹ 5,999 from Amazon Prime, Swiggy, Uber, BookMyShow & earn 2000 edge reward points on spends of ₹20,000 every month with your Debit Card & UPIDebit Card
Instant Virtual Debit card with 1% cashback on online spendsProduct features
Video based Full KYC Account openingNo paperworkAccount activated within 60 minutesOffers & Discounts
Flat 10% cashback on Flipkart & Amazon.in via GRAB DEALSDebit Card
Instant Virtual Debit card and Liberty Debit Card with 5% weekend cashback on Food, Entertainment, Shopping and TravelProduct features
Video based Full KYC Account opening with no paperworkAnnual savings worth ₹15,000Offers & Discounts
Flat 10% cashback on Flipkart & Amazon.in via GRAB DEALSGift voucher worth ₹750 on quarterly spends of ₹60,000Debit Card
Complimentary Instant E-Debit Card with 1% cashback on online spendsPrestige Debit Card with cashback across fuel, travel & shoppingProduct features
Video based Full KYC Account opening with no paperwork, activated within 60 minutesAnnual benefits worth ₹25,000*Offers & Discounts
Flat 10% cashback on Flipkart & Amazon.in via GRAB DEALSDebit Card
Complimentary Instant Virtual Debit Card with 1% cashback on online spendsPriority Debit Card with benefits on lifestyle, travel & moreProduct features
Video based Full KYC Account opening with zero paperwork, activated within 60 minutesOffers & Discounts
Flat 10% cashback on Flipkart & Amazon.in via GRAB DEALSDebit Card
Complimentary Instant E Debit Card with 1% cashback on online spendsPower packed Burgundy Debit Card with exclusive benefits on lifestyle, travel & moreProduct features
Video based Full KYC Account opening with no paperwork, activated within 60 minutesHighly experienced and certified Wealth Specialist & Relationship ManagersOffers & Discounts
Flat 10% cashback on Flipkart & Amazon.in via GRAB DEALSDebit Card
Sampann Cashback debit cardDaily ATM Withdrawal limit of ₹1,00,000Product features
Discounted Agri-Tech ServicesPreferential Rates on LoansDedicated RMsOffers & Discounts
Exclusive cashback offers on debit card: 1% on Fuel, 2% on Shopping, 3% on TravelHealthcare InsuranceDebit Card
Platinum Debit CardDaily ATM Withdrawal limit of ₹40,000Product features
eKYC based Full KYC Account openingNo paperwork1 multicity cheque book of 10 leaves free first yearOffers & Discounts
No offers are available for this account variant as of now.Debit Card
Rupay Platinum Debit CardDaily ATM Withdrawal limit of ₹40,000Product features
Free unlimited Cash deposit & 4 free withdrawals per monthOffers & Discounts
NADebit Card
Secure Plus Debit CardDaily ATM Withdrawal limit of ₹50,000Product features
1 multicity cheque book free per yearFirst 4 transactions or ₹1.5 lakhs, whichever is earlierOffers & Discounts
Get up to Ra. 500* off on Axis Bank Dining program on EasyDinerDebit Card
Liberty Debit Card with 5% weekend cashback on Food, Entertainment, Shopping and TravelProduct features
Flexibility to either maintain or spend ₹25,000 per month.Annual savings worth ₹15,000.Offers & Discounts
Gift voucher worth ₹750 on quarterly spends of ₹60,000. Unlimited free ATM transactions at any bank’s ATM.Debit Card
Prestige Cashback Debit CardDaily ATM Withdrawal limit of ₹1,00,000Product features
Unlimited cheque books and DD/Pos free, Unlimited branch transactions per monthOffers & Discounts
1) Exclusive cashback offers on debit card: 1% on fuel, 2% on shopping, 3% on travel 2) Nil Debit Card issuance feeDebit Card
Visa platinum debit cardDaily ATM Withdrawal limit of ₹40,000Product features
one free multicity Cheque Book per yearFirst 4 transactions or ₹1.5 lakhs, whichever is earlierOffers & Discounts
Discounts at Health Care servicesDebit Card
Visa platinum debit cardDaily ATM Withdrawal limit of ₹1,500 & Daily Shopping limit of ₹1,000Product features
one free multicity Cheque Book per yearFirst 5 Financial Transactions free and unlimited Non Financial Transactions at Axis Bank ATMsOffers & Discounts
Personalised image debit cardFree ATM Card for children under 10 years of ageDebit Card
Visa Classic Debit CardDaily ATM Withdrawal limit of ₹40,000Product features
Free & Unlimited multi city cheque booksZero charges on DD/PO issuanceUnlimited Cash transactions with no cap on valueOffers & Discounts
N.A.Debit Card
Visa Classic Debit CardDaily ATM Withdrawal limit of ₹40,000Product features
1 multicity cheque book free per yearFirst 4 transactions or ₹1.5 lakhs, whichever is earlierOffers & Discounts
Enjoy up to 20% discount at over 4000 restaurantsDebit Card
Rupay Debit CardDaily ATM Withdrawal limit of ₹40,000Product features
No Minimum Balance RequiredFree unlimited Cash deposit & 4 free withdrawals per monthOffers & Discounts
N.A.Debit Card
Secure Plus Debit CardEmergency Travel/Hotel Assistance of up to ₹80,000.Product features
Unlimited cheque books and DD/PO freeFirst 5 transactions or ₹2 lakhs, whichever is earlierOffers & Discounts
Unlimited ATM transactions at all Axis Bank and other banks' ATMsPreferential Pricing on Lockers and Demat accountDebit Card
Visa platinum debit cardDaily ATM Withdrawal limit of ₹40,000Product features
one free multicity Cheque Book per yearFirst 4 Transactions or ₹2 lakhs whichever is earlierOffers & Discounts
Enjoy up to 15% discount at over 4000 restaurantsDebit Card
Visa Classic YOUth CardDaily ATM Withdrawal limit of ₹40,000Product features
4 Cash transactions free per month across any Axis Bank branchOffers & Discounts
Personalised image debit cardEnjoy up to 15% discount at over 4000 restaurantsOpen savings bank account online in just 4 simple steps with seamless & easy video-KYC process. Online account opening does not require any paperwork or branch visits. Easy & flexible checkmarks for online account opening -
If opting for Video KYC, ensure you have a device capable of supporting video calls and a reliable internet connection.
Eligibility for a Savings Account can differ based on the chosen variant, user type (individual or joint), and the method of account opening (Physical or Digital Savings Account). Please review the eligibility criteria for your selected bank account variant, as certain features may be subject to change.
Documents required:
Please refer to the documentation section of your chosen Savings Account variant, as certain features may be subject to change.
Maintaining a healthy balance in your Savings Accounts is essential for handling financial emergencies and highlighting your ability to manage finances efficiently, which can be beneficial when applying for loans or credit cards. Many customers, however, are unaware of the requirement to maintain an average balance in their accounts, leading to non-maintenance fees. The Average Balance Calculator helps you track and maintain the necessary balance easily.
Please Select Account Type.
Please Select Your Location.
Please Select Your Quarter
Please Select Your Half Year
Please Select date.
Please Enter Closing Balance.
Daily Balance you must maintain for rest of the month to avoid charges:₹ 0.00
You have not maintained sufficient balance for this month.
Estimated fees for the month:₹ 0.00
Start Day | End Day | No. of Days | Amount |
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Understand the fees and charges associated with our Savings Accounts. Note that applicable fees and charges may vary based on the specific variant of the Savings Account you choose. Learn More
Currently the interest rate on a Savings Account ranges between 3% and 3.5%.
Interest on your savings account is automatically computed based on the bank's offered interest rate and your maintained monthly balance. For instance, if your savings account holds a balance of ₹20,000 and the bank provides an annual interest rate of 3%, you would earn ₹600 in interest annually.
The interest rate is calculated daily on the maintained balance but credited to your account quarterly. Specifically, interest is credited on the first day of the next quarter, except for the fourth quarter, where it is deposited on the last day of the quarter.
Reputation of the bank – Opt for a bank with a strong reputation in terms of safety and customer service since a Savings Account will serve as your primary relationship with the bank for the long term
Services and facilities – Consider the additional services offered such as online banking, mobile app, branch network, customer support and how easily and conveniently you are able to do your transactions
Fees and charges – Know the fees and charges associated with the Savings Account such as ATM charges, debit card fees, minimum balance penalty, cheque book charges, etc. These may also vary depending on the variant of the Savings Account you choose
When considering opening a savings account, it's crucial to opt for a variant that aligns with your financial behaviour and savings habits. Axis Bank offers a diverse range of savings accounts designed to meet various needs and financial preferences. These include regular savings account, salary account, senior citizen savings account and more. You can seamlessly open savings account online, allowing you to choose the variant that best suits your requirements with just a few clicks. Each account comes with distinct features and benefits tailored to fit particular lifestyles.
For instance, customers with a Senior Privilege Savings Account may be eligible for discounts or additional services on healthcare, while those with an Easy Access Digital Savings Account can enjoy special offers on various e-commerce platforms. Opening bank account online allows you to conveniently access these benefits. Take the time to explore the available options and select the savings account that best suits your needs.
The minimum balance or average monthly balance (AMB) criteria differ based on the chosen Savings Account type and the account holder's location. For example, the minimum balance for an Axis Bank Easy Access Savings Account is ₹12,000 for metro and urban locations, ₹5,000 for semi-urban, and ₹2,500 for rural areas.
Transferring money from your savings bank account is a simple process with just a click if you opt for the digital mode. Online fund transfer options, including UPI, IMPS, NEFT, or RTGS, provide a seamless way to transfer money from your Savings Account for payments and other requirements. Use Axis Bank's mobile banking app 'open' or internet banking facility for instant money transfers. Alternatively, you can also visit the nearest Axis Bank branch to transfer funds to your bank account.
Please click here to know the fees and charges for your desired savings bank account variant.
Upon opening an Axis ASAP account, you instantly receive a virtual debit card. The physical debit card is dispatched to your Aadhaar address within 7 working days.