Debit Card Protection - Useful Links

You can enter your ATM PIN directly on the Card-Swipe terminals, also known as PoS terminals, that will be present at the sales counters of the retailers. You should enter your ATM PIN when the PoS terminal prompts for it, after you SWIPE your Debit Card at it (or DIP it, in the case of CHIP cards):

Please note: Always enter your ATM PIN on your own. Do not reveal it to anybody else.

Although implementation of the PIN security feature will begin by 1st July, it is expected to happen in a phased manner. Therefore, you may be prompted to enter your ATM PIN only at some terminals.

But on all the terminals where you are prompted for a PIN, it is mandatory for you to enter your ATM PIN. If you fail to do so, your transaction will be declined by the bank.

To avoid any misuse of your ATM PIN, please enter the PIN yourself on the POS terminal and do not reveal the same to the merchants or anyone else. Also, it is advisable to take a few necessary precautions while entering your PIN, as mentioned below:

• Make sure that nobody (salesmen or other customers) is overlooking the POS terminal while you enter your PIN
• Verify that there are no CCTV cameras directed towards the PIN-pad while you enter your PIN

If you enter an incorrect ATM PIN, your purchase transaction will be declined by the bank. Entering an incorrect ATM PIN in 3 successive attempts in a day (either at ATM or at POS) will temporarily block your card.

If you have entered wrong ATM PIN before 9:30 pm on a particular day, your card will be automatically unblocked by 9:30 pm. If the wrong entry is made post 9:30 pm, your card will be unblocked at 9:30 pm the following day.

If you do not have your ATM PIN or have forgotten it, you can easily get a duplicate one by calling on our Phone Banking numbers. Please follow the steps below to generate your INSTA ATM PIN

The PIN feature is currently implemented only in a few countries outside India, like UK and Turkey. In all other countries, you may not be required to enter your ATM PIN for authenticating POS transactions, unless the POS terminal specifically prompts for entering a PIN for completing the transaction.

In scenarios where your Debit Card is lost/stolen or you suspect misuse of your Debit Card, you can immediately block your card by following any of these steps

• SMS ‘BLOCKCARD ’ and send it to 5676782 or +919717000002
• Call on our Emergency Helpline Number +91-22-67987700; our Customer Service Executive will assist you
• Login to your Internet Banking account and select ‘Block Card’ option in the Debit Cards section

• Modify Your Debit Card Limits
  Easily modify your Debit Card’s ATM and/or purchase limits and set the limits as and when desired by you. These limits can be modified at your fingertips through any Axis Bank ATM/Axis Bank Mobile App/ Internet Banking.
• Switch On/Off Your Debit Card
  You can now set the limits of your Debit Card to zero (i.e. switch it off); this functionality helps protect your card from any misuse or fraud. By switching off your Debit Card, you can restrict ATM Withdrawals and purchase transactions (till desired) without blocking the card.
  When you switch on your Debit Card, you can set the limits again as per your preferences and your card will be activated for future transactions.
• Activate/Deactivate International Usage on Your Debit Card
  You can easily modify the usage preference on your chip Debit Card (from domestic to international and vice-versa) through any Axis Bank ATM/Axis Bank Phone Banking/Internet Banking.
• Replace/Upgrade Your Debit Card
  You can now save a visit to the branch for replacing your Debit Card. Simply login to your Internet Banking account/Axis Mobile App and apply for replacement of your Debit Card or upgrade yourself with the ‘Upgrade Debit Card’ option.

Axis Bank has associated with Visa to launch mVisa- a unique payment solution, which will help Axis Bank Visa Debit Cardholders to make quick payments just by scanning QR codes available at merchant outlets and on bills etc.

What is mVisa?

mVisa is a card-to-merchant payment service provided as part of Axis Mobile app by registering the Visa Debit Cards for mVisa payment . Cardholders can make instant payment of bills or to merchants. Details of merchant will be in QR code available at the stores and/or printed on bills.

mVisa is a card-to-merchant payment service provided as part of Axis Mobile app by registering the Visa Debit Cards for mVisa payment . Cardholders can make instant payment of bills or to merchants. Details of merchant will be in QR code available at the stores and/or printed on bills.

Advantages of mVisa

• Secure transactions as customers will not have to hand over the card to the merchant
• Convenient and instant payments

Registration with mVisa

Customer can register for mVisa on Axis Mobile app using few easy steps as mentioned below:

• Click on Shop icon on Axis Bank Mobile App
• Click on Pay with mVisa, scan the QR code and enter your mPIN
• Select Visa Debit Cards and choose a favorite card which will be displayed by default during any payment with mVisa
• Click on confirm and enter mPIN to complete the registration

Alternatively, you can register for mVisa by following the steps below

Login--> Menu icon--> My controls--> mVisa

Payment with mVisa

Registered customer can make payment through mVisa using below steps

• Click on Shop icon on Axis Bank Mobile App
• Click on Pay with mVisa and scan the QR code
• Confirm the transaction details and enter mPIN for authentication
• Select Card for payment
• Click on check box next to “I Agree”, towards terms and conditions mentioned in the link
• Click on confirm
• Transaction confirmation will be displayed on your screen

• What is Axis Bank QR Payment App
  The Axis Bank QR Payment is the newest offering from Axis Bank for making your cash based payments cashless. The app allows you to use your Visa / Mastercard Credit Card or Debit Card to make payments at merchant locations across the country that display a QR Code*
• From where can the app be downloaded
  The app can be downloaded by visiting Google Play store
• How do I register on the Axis bank QR Payment App?
  You can register on the app by using your Debit Card Number, Expiry Date and the ATM PIN
• Can I pay using e-wallets on the Axis Bank QR Payment App?
  Payments on the Axis Bank QR Payment app can be done using the linked Debit or Credit Card. With the Axis Bank QR Payment you do not need transfer / hold your money in e-wallets to make payments using QR codes. Your money continues to remain in your Savings account / Credit Card account and will be used only at the time of making a purchase
• Do I need to carry / swipe my Debit or Credit Card while using the Axis Bank QR Payment App?
  You simply need to scan the QR code that is displayed at Merchant Locations, enter the transaction amount and authenticate the transaction. No need to carry or swipe your Credit or Debit Card at POS machines anymore
• How do I know that my transaction is successful?
  On successful payment transactions, both you and the merchant will receive an instant notification informing the same
• What should I do if I lose my mobile phone?
  In case you lose your smart phone, you simply need to call our Customer Service at 180 209 5577 to inform us and we will hotlist all cards linked to your Customer ID
• Do I get Axis eDGE Reward Points on transactions done using Axis Bank QR Payment App?
  You will continue to earn Axis eDGE Reward points even on purchases made using Axis Bank QR Payment App
• Where can I use Bharat QR for making payments?
  You can use Bharat QR for payment at merchant outlets, for paying bills, etc
• Is there any extra charge for payment through Bharat QR?
  No, there are no extra charges on using Bharat QR for payment.
• How do I get a confirmation of payment?
  Once your transaction is completed, you will receive a confirmation on your mobile banking app screen.
• How will I come to know if the transaction was declined while using Bharat QR?
  You will receive a notification stating that the transaction was declined, on your Axis Bank QR Payment App screen.
• What will happen to my funds if the transaction was declined and the merchant has not received a confirmation for payment?
  The transaction amount will be deducted from your account on initiation of transaction. Once transaction has been declined/ cancelled, the same amount will be credited back to your account.
• What should I do if amount has been debited from my account but the merchant has not received any notification for payment?
  You can call our customer care numbers to raise a request for crediting back the amount of the transaction.
• What should I do if amount has been debited, merchant has received a payment confirmation, but I haven’t received a successful transaction confirmation on my app screen? If you have received a deemed acceptance response and merchant has received a successful payment notification, transaction is successfully processed.
• How many Bharat QR transactions I can do in a day?
  There is no limit on the number of Bharat QR transactions you can do in a day.