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AXIS BANK

Now you can transfer funds instantly to any Axis Bank account across India using any Axis Bank ATM. This eliminates the need to write cheques and wait for funds to get credited to the receivers account. Highlights of the service are :

Real Time fund transfers to receivers accounts Service available 24 x 7, 365 days a year Account number validation on entry of details to prevent incorrect entry of receivers account number Daily transaction limit of Rs 50,000 To transfer funds to another Axis Bank account, follow the steps below :

Insert ATM card and enter PIN for validation. Select Banking transactions, followed by Funds Transfer Select Other Axis Bank account Enter beneficiary and other required details

Axis Bank is the third largest private sector bank in India. Axis Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, SME, Agriculture and Retail Businesses. The Bank has a large footprint of 1787 domestic branches (including extension counters) and 10,363 ATMs spread across 1,139 centres in the country as on 31st December 2012. The Bank also has 7 overseas branches / offices in Singapore, Hong Kong, Shanghai, Colombo, Dubai, DIFC - Dubai and Abu Dhabi. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994. The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India),Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The shareholding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003. With a balance sheet size of Rs.2,85,628 crores as on 31st March 2012, Axis Bank is ranked 9th amongst all Indian scheduled banks. Axis Bank has achieved consistent growth and stable asset quality with a 5 year CAGR (2007-12) of 31% in Total Assets, 30% in Total Deposits, 36% in Total Advances and 45% in Net Profit.

Registered Office The registered office of Axis Bank is located at : Trishul, 3rd Floor, Opposite Samartheshwar Temple, Near Law Garden, Ellisbridge, Ahemdabad, Gujarat - 380 006 Corporate Office Axis House, C-2 Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai 4000 025 The Corporate Office of Axis Bank is located at Axis House Mumbai. Axis House has received the Platinum rating awarded by the US Green Building Council for its environment friendly facilities and reduction of carbon emission. Subsidiaries The Bank has set up six wholly-owned subsidiaries: Axis Securities and Sales Ltd. (Since renamed Axis Capital Ltd.) Axis Private Equity Ltd. Axis Trustee Services Ltd. Axis Asset Management Company Ltd. Axis Mutual Fund Trustee Ltd. Axis U.K. Ltd. Promoters Axis Bank Ltd. has been promoted by the largest Financial Institutions of the country, UTI, LIC, GIC and its subsidiaries. The Bank was set up in 1993 with a capital of Rs. 115 crore, with UTI contributing Rs. 100 crore, LIC - Rs. 7.5 crore and GIC and its four subsidiaries contributing Rs. 1.5 crore each. Capital Structure The Bank has authorized share capital of Rs. 500 crores comprising 500,000,000 equity shares of Rs.10/- each. As on 31st March, 2012 the Bank has issued, subscribed and paid-up equity capital of Rs. 413.20 crores, constituting 413,203,952 shares of Rs. 10/- each. The Banks shares are listed on the National Stock Exchange and the Bombay Stock Exchange. The GDRs issued by the Bank are listed on the London Stock Exchange (LSE).

Distribution Network The Bank has a network of 1787 domestic branches (including extension counters) and 10,363 ATMs across the country, as on 31st December 2012, the network of Axis Bank spreads across 1,139 cities and towns, enabling the Bank to reach out to a large cross-section of customers with an array of products and services. The Banks overseas network consists of 4 branches in Singapore, Hong Kong, DIFC Dubai and Colombo and 3 Representative offices at Shanghai, Dubai, and Abu Dhabi. Vision 2015 To be the preferred financial solutions provider excelling in customer delivery through insight, empowered employees and smart use of technology

Core Values

Customer Centricity Ethics Transparency Teamwork Ownership An overview of various business segments RETAIL BANKING Axis Bank has developed a strong retail banking franchise over the years. Retail Banking is one of the key drivers of the Banks growth strategy and it encompasses a wide range of products delivered to customers through multiple channels. The Bank offers a complete suite of products across deposits, loans, investment solutions, payments and cards to help customers achieve their financial objectives. The Bank focuses on product differentiation as well as a high level of customer-service to enable it to build its retail business. The Bank has continued to develop its risk management capabilities in Retail business, both from a credit and operations risk standpoint. The branch channel is effectively utilised for growing the retail assets business, with loan and card products being offered to existing clientele. The growth areas identified by the Bank are in the areas of residential mortgages and passenger car loans. Of the total retail loans portfolio, 88.47% is in the form of secured loans (residential mortgages and auto loans).

The Bank offers a wide range of payment solutions to its customers in the form of debit cards, prepaid cards and credit cards. As on 31st March 2012, the Bank has a base of approximately 124.99 lac debit cards, placing it among the leading players in the country. The Bank is also a dominant player in prepaid cards. Axis Bank has over 2 lakh installed EDC machines - a highest for any bank in India. Axis Bank Prive, an exclusive private banking service offers advisory, investment and lending solutions to its customers across 10 cities in the country. Prive follows a client-focused investment process and a team-based approach for managing client relationships. The relationship management team is supported by a team of product specialists, client servicing teams, investment consultants and research experts. The private banking business focuses on addressing both the personal and corporate advisory needs of an entrepreneur or business family by bringing solutions offered by various business groups across the retail and corporate businesses within the Bank under an integrated platform. The Bank launched Axis Bank Wealth in 2008-09 targeting customers who have a total relationship value with the Bank of between Rs.30 lacs and Rs.200 lacs. The value proposition aims at delivering a One Bank experience to such customers and is positioned as a complete solution involving banking, investment and asset needs. The Bank also distributes third party products such as mutual funds, Bancassurance products (life and general insurance), online trading, Goldand Silver coins through its branches. The retail business of the Bank is supported by innovative services and alternate channels which provide convenience of transactions to customers. These channels include an extensive ATM network, internet banking, mobile banking and phone banking. International Retail International Retail Business focuses specifically on the overseas sales channel, retail foreign exchange business, remittances and retail businesses in overseas centres such as Hong Kong and Sri Lanka, where the Bank has a presence. The products offered in the area of retail Forex and remittances include travel currency cards, inward and outward wire transfers, travellers cheques and foreign currency notes, remittance facilities through online portals as well as through collaboration with correspondent banks, exchange houses and money transfer operators. The Bank continued to have a market leadership position in Travel Currency Cards with 11 currency options other than INR being offered. The aggregate spends on Travel Currency Cards have crossed USD 3 billion during the year 2012-13.

BUSINESS BANKING Business Banking leverages the Banks strengths a well distributed network of branches and a strong technology platform to offer the best in transaction banking services. The Bank offers a range of current account products and cash management solutions across all business segments covering corporates, institutions, central and state government ministries and undertakings as well as small and retail customers. The Bank is one of the top CMS providers in the country. The Bank acts as an agency bank for transacting government business offering services to various Central Government Ministries / Departments and other State Governments and Union Territories. In order to provide solutions for business to effectively manage their funds flow, the Bank has introduced liquidity management solution for corporate customers. Similarly, a single window for all payment requirements was launched with several advanced features such as setting a daily transaction limit for corporate users, setting transaction limits for individual beneficiaries, prioritising payment methods, online stop payment and cancellation facilities. CORPORATE CREDIT Axis Bank has built a strong corporate banking franchise across corporate, liability and asset businesses. Axis Bank provides customized structuring and financing solutions in a timely and comprehensive manner to its corporate customers with a focus on building out a high quality credit portfolio. The Bank is a market leader in Debt Capital Markets and loan syndication business across segments, sectors and geographies. The Bank also provides full range of Treasury and Trade Finance solutions to its corporate clients. The Bank offers technology enabled transaction banking and cash management services to customers across Government, financial institutions and corporate segments. Banks infrastructure business includes project and bid advisory services, project lending, debt syndication, project structuring and due diligence, securitisation and structured finance. During the year the Bank launched its first ever D&B-Axis Bank Infra Awards 2011 in association with Dun & Bradstreet. The award felicitates leading infrastructure projects and infrastructure companies. In October 2010, the Bank launched the Axis Infra Index (AII) with the primary objective of conveying a sense of investment conditions in the infrastructure sector. The Index, as a composite measure of investor confidence, comprises four components: flow of equity and debt funds into infrastructure sectors, project completion and commencement of operations, output related to infrastructure segments and regulatory and policy developments relevant for the sector. It is designed to capture the evolving fundamentals of the sector and is updated and disseminated on a quarterly basis.

TREASURY The Bank has an integrated Treasury, covering both domestic and global markets, which manages the Banks funds across geographies. The Banks treasury business has grown substantially over the years, gaining market share and continuing to be among the top five banks in terms of forex revenues. The Treasury plays an important role in the sovereign debt markets and participates in the primary auctions held by RBI. It also actively participates in the secondary government securities and corporate debt market. The foreign exchange and money markets desk is an active participant in the inter-bank/ FI space. The Bank has been exploring various cross-border markets to augment resources and support customer cross-border trade. The Bank has emerged as one of the leading providers of foreign exchange and trade finance services. It provides a gamut of products for exports and imports as well as retail services. Its cutting edge technology provides comprehensive and timely customer services INTERNATIONAL BANKING The international operations of the Bank form a key enabler in its strategy to partner with the overseas growth potential of its domestic clientele, who are venturing abroad or require non-rupee funds for domestic projects. The Bank now has a foreign network of four branches (Singapore, Hong Kong, DIFC (Dubai) and Colombo (Sri Lanka)) and three representative offices (Shanghai, Dubai and Abu Dhabi) with presence in six countries. While corporate banking, trade finance, treasury and risk management solutions are the primary offerings through the branches at Singapore, Hong Kong, DIFC (Dubai) and Colombo, the Bank also offers retail liability products from its branches at Hong Kong and Colombo. Further, the Banks Gulf Co-operation Council (GCC) initiatives in the form of representative offices in Dubai and Abu Dhabi, and alliances with banks and exchange houses in the Middle East provide the support for leveraging the business opportunities emanating from the large NRI diaspora present in these countries. SMALL AND MEDIUM ENTERPRISES The Small and Medium Enterprises (SME) segment is a thrust area of the Bank. The business approach towards this segment, which is expected to contribute significantly to economic growth in future, is to build relationships and nurture the entrepreneurial talent available. The relationship based approach enables the Bank to deliver value through the entire life cycle of SMEs. The Bank has segmented its SME business in three groups: Small Enterprises, Medium Enterprises and Supply Chain Finance. The Bank extends working capital, project finance as well as trade finance facilities to SMEs. The Bank has launched Business Gaurav SME Awards in association with Dun & Bradstreet to recognise and award achievers in the SME space.

INFORMATION TECHNOLOGY Technology is one of the key enablers for business and delivery of customised financial solutions. The Bank continues to focus on introducing innovative banking services through investments in scalable and robust technology platforms that delivers efficient and seamless services across multiple channels for customer convenience and cost reduction. The Bank has also focused on improving the governance process in IT. The Bank has launched the Business Process Management System, a reusable system, which helps to build process efficiencies across various areas of operations. The Bank has undertaken various steps in order to align itself towards RBI guidelines on security and governance, including setting up of Board and Executive level committees and working on IT operations and other key areas. AGRICULTURE The Bank continues to drive and expand the flow of credit to the agricultural sector. 401 branches of the Bank have dedicated officers for providing farm loans. Products and solutions are created specifically with simple features and offered at affordable rates to rural customers. The Bank has also adopted a value-chain approach, wherein end-to-end solutions are being provided for various stakeholders. It also offers various customized solutions to meet the regional requirements. FINANCIAL INCLUSION The Bank perceives financial inclusion (FI) not as a corporate social responsibility or a regulator driven initiative but as a large business opportunity that lies untapped in the rural and unexplored section of the urban market. Till March 2012, the Bank has opened over 4.4 million No-Frills accounts in over 7,607 villages through a network of 15 Business Correspondents and nearly 6,000 customer service points. The Bank has a strong presence in the Electronic Benefit Transfer (EBT) space and has covered around 6,800 villages across 19 districts and 9 states till date with over 3.7 million beneficiaries. In the urban space, the Bank has launched financial inclusion initiatives in Bangalore, Chennai and Delhi targeting migrant labourers, slum dwellers and other under-banked sector of the urban population and has opened over 3.5 lac No Frill accounts. The Banks financial inclusion efforts are not merely restricted to launching of financial inclusion initiatives and sourcing basic No Frill accounts, but to also promote the savings habits and enable the customers to obtain customized solutions for their financial needs. The Bank also has a range of other customised products for this customer segment like different variants of Axis Uday No Frills Savings Accounts, Chhota RD, Chhota FD, and Chhota SIP. The Bank has been one of the first few banks to have tied-up with telecom companies to offer remittance led financial inclusion services on the mobile platform.

HUMAN RESOURCES The Bank aims in creating and developing human capital to realise its vision of nurturing a mutually beneficial relationship with its employees. Employee engagement and learning, leadership development, enhancing productivity and building multiple communication platforms thus occupied centre stage in the Banks HR objective. The Bank continues to maintain a strong employer brand in the financial services sector especially on the campuses of the premier business schools of the country. In a major initiative, the Bank launched Axis Academic Interface Program (AAIP) with Institutions to offer youngsters an understanding about the financial services industry, and creating Axis Bankers. So far, the Bank has tied up with Manipal University, NIIT, IFBI and Guwahati University. Axis Bank has a young workforce with an average age of 29 years. The equal opportunity employer policy of the Bank contributes strongly to the Axis Bank brand.

Awards & Recognition 1. Best Bank - CNBC- TV18 Indias Best Bank and Financial Institution Awards 2012 2. Consistent Performer - Indias Best Banks 2012 survey by Business Today & KPMG 3. Fastest Growing Large Bank - Dun & Bradstreet-Polaris Financial Technology Banking Awards 2012 4. Fastest Growing Large Bank - Businessworld Best Banks Survey 2012 5. Best Bank - Runner Up - Outlook Money Awards 2012 6. Deal Maker of the Year in Rupee Bonds - Businessworld Magna Awards - India's Best Deal Makers 2012 7. India Bond House of the year - IFR ASIA - Country Awards 2012 8. Best Domestic Bond House - The Asset Triple A Country Awards 2012 - Our Bank has been honored with this award for the Third year in a row. 9. The Best Emerging Bullion Dealing Bank of the year 2011-12 at 9th India International Gold Convention 10. Best Acquiring Institution in South Asia- Visa LEADER Award at Visas 2012 APCEMEA Security,Summit, Bali. Milestones 11. Opens the 10,000th ATM - Largest ATM network amongst private sector banks in India 12. Reached 2 lakh installed EDC machines the highest for any bank in India 13. Becomes the first Bank in the world to reach $2 billion loading on prepaid Travel CurrencyCards

Axis Bank has set up a Trust the Axis Bank Foundation (ABF) to channel its philanthropic initiatives. The Foundation has committed itself to participate in various socially relevant endeavours with a special focus on poverty alleviation, providing sustainable livelihoods, education of the underprivileged, healthcare, sanitation etc. The Bank contributes up to one per cent of its net profit annually to the Foundation under its CSR initiatives. The Foundation aims to provide one million sustainable livelihoods to the underprivileged in some of the most backward regions of the country in the next five years, with 60% of the beneficiaries being women. The Foundation nurtures / supports NGOs working in the areas of education health and development of underprivileged and special children. The Foundation also supports various projects to impart vocational training to the underprivileged youth. The Foundation supports the Lifeline Foundation for providing high level trauma care and rural medical relief in the states of Maharashtra, Kerala, Gujarat and Rajasthan. The Foundation also supports projects in skill development, water harvesting and low-cost agricultural practices to enhance farm yield. 1) EASY ACCESS SAVINGS ACCOUNT

Want a savings account that transcends geographical boundaries? Presenting, Axis Bank's EasyAccess Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. EasyAccess Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base. You can avail of all these services with a minimum quarterly average balance of Rs.10,000 in metro or urban centers, Rs.5,000 in semi urban centers and Rs.2,500 in rural centers. At Par Cheque Book As an EasyAccess Savings Account Holder, you will receive the "At-par" cheque book. You can encash these cheques as local cheques at any of the 257 centers where the bank has a presence, at no extra cost. Drafts are now history. ATM Network EasyAccess Savings Account also entitles you to an International Debit Card with which you can access your account anytime at all our ATMs - both, Visa enabled and our partner banks - across the country. Withdrawals and deposits (money as well as cheques) are possible with your Debit Card. And unlike most other ATMs, an Axis Bank ATM allows you to withdraw upto Rs 40,000 per day

Anywhere Banking You can transact through any of our branch offices all of which are interconnected for your banking convenience. Transactions like cash deposits, cash withdrawal, transfers and clearing deposits can all be carried out wherever you happen to be Telebanking Our Telebanking service provides you instant access to your savings account. It offers you a wide range of services over the phone such as Account Information, Balance Inquiry, Transaction Details, Status of your Cheque (available only during branch business hours) and even Statement of Account on Fax. Internet Banking The idea of "your Bank on your desktop" is now a reality with Internet Banking. You can lookup the status of your savings account, request your new cheque book, undertake a range of financial transactions, avail financial advisory services, get information on mutual funds and shop online by just clicking the mouse. Free SMS Banking SMS Banking enables you to bank with us through your mobile phone irrespective of where you are. Avail facilities like balance inquiry, debit or credit alerts, last three transaction details and cheque status. Account Statement Quarterly statements are delivered free of cost. Quarterly Interest Every quarter, interest would be credited at the rate of 4% per annum in your account Free monthly e-statement Axis Bank offers the facility of free monthly e-statement. To open EasyAccess Savings Account with Axis Bank, you just need to provide:

Two passport size color photographs (latest) for each applicant Introduction related documents:

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Introduction by an existing Axis Bank customer, whose account is at least 6 months old with a suitable proof of address, or a letter from the manager of your existing bank, verifying identity and signature, or a copy of your passport along with a self-signed cheque, and any one document from each of the following groups:

Group I
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Voter ID Card* Defence or Police or Govt. Dept. ID Card Pan Card or Driving Licence or Photo Credit Card (*along with self-signed cheque). Group II

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Passport; Telephone / Mobile / Electricity Bill. Any connection to be at least 6 months old in the name of the account holder / spouse / family member, and the bill date should not be older than 3 months; 6 months bank account / credit card statement; Letter from a recognized public authority or public servant verifying the address of the customer; Gas connection registration letter; Income tax / Wealth tax assessment order; Domicile certificate with communication address and photograph; Certificate by Village Extension Officer (VEO) / Village Head or equal or higher rank officer. Branch to confirm that the certificate is issued by the right person; Registered lease / leave and licence agreement with a utility bill in the name of the landlord; Address proof in the name of the father / mother / spouse / blood relative of the applicant, as a supporting document that establishes the relationship between the applicant and the person in whose name the address proof is available. The account opening form can be collected from the branch or can be downloaded by clicking here. The duly filled account opening form along with the relevant documents can be submitted at the branch.

2) PRIME SAVINGS ACCOUNT Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our customers. The Prime Savings account has therefore been created with your specific financial requirements in mind. Wider accessibility As a Prime Savings account holder, you enjoy access to a wide network of over 1000 branches and one of the largest ATM networks (6890 ATMs as on 30th June, 2011) in India giving you easy access to your account from almost any corner of the country.

Greater convenience To simplify daily banking , your Prime Savings account comes with a Titanium Debit Card. This unique card comes with withdrawal and POS limit of Rs. 50,000 per day.Your Debit Card also comes with a comprehensive insurance cover inclusive of zero lost card liability, purchase protection of Rs.50000 and personal accident insurance up to Rs. 3 lakhs. [To keep your personal accident insurance cover activated, you should have made a purchase transaction in 90 days prior to the day of the incident & should have maintained an average quarterly balance of Rs 5,000 (urban & metropolitan branches) or Rs 2,500 (rural & semi-urban branches) as the case may be in the two quarters before the date of the incident.]*

To open Prime Savings Account with Axis Bank, you just need to provide:

An account opening form duly filled. 2 Latest passport size color photographs. Photo proof of identity PAN card, passport, Driving License or A letter from the Bank Manager verifying identity, signature and address along with a self signed cheque. Proof of residence like recent electricity bills or telephone bills or credit card statements. any one document from each of the following groups: Group I

Voter ID Card* Defence or Police or Govt. Dept. ID Card Pan Card or Driving Licence or Photo Credit Card (*along with self-signed cheque). Group II

Passport; Telephone / Mobile / Electricity Bill. Any connection to be at least 6 months old in the name of the account holder / spouse / family member, and the bill date should not be older than 3 months; 6 months bank account / credit card statement; Letter from a recognized public authority or public servant verifying the address of the customer; Gas connection registration letter; Income tax / Wealth tax assessment order; Domicile certificate with communication address and photograph; Certificate by Village Extension Officer (VEO) / Village Head or equal or higher rank officer. Branch to confirm that the certificate is issued by the right person; Registered lease / leave and licence agreement with a utility bill in the name of the landlord;

Address proof in the name of the father / mother / spouse / blood relative of the applicant, as a supporting document that establishes the relationship between the applicant and the person in whose name the address proof is available. The account opening form can be collected from the branch or can be downloaded by clicking here. The duly filled account opening form along with the relevant documents can be submitted at the branch.

More comfort Through our 24 hr Internet Banking and Tele Banking services, you can enjoy the ease of banking from home or office. Through these comprehensive services, you can access a range of facilities including online funds transfer, requests for a new cheque book, online shopping and information on mutual funds. Enhanced privileges As a Prime savings customer you are eligible for special offers and discounts on locker fee, Demat and Online Trading Accounts Added speed Through the 'At Par' cheque facility, you have the unique advantage to encash your cheques as a local cheque at more than 330 centres where the bank has a presence at no extra cost. In addition the account enables you to issue cheques without any limit, which will be treated as 'At Par' across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban centers and Rs 10,000 in semi-urban/rural centers. Features at a glance
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Free Titanium Debit Card Enhanced ATM and POS limits of Rs.50,000 (Annual charge waiver offered on POS transaction of Rs. 50,000 p.a./ 10 POS transactions of any value in year) 10 Free transactions at other bank ATMs International Debit card with an Accidental Insurance cover upto Rs. 3 lakhs Lounge Access at airports Channels Free quaterly statement of account Free SMS Banking Facility 24*7 Phone Banking, Internet Banking and Mobile Banking Facility Free monthly e-statement / free passbook facility.

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Other Features Two Demand Drafts/Pay Orders free per month Increased cash deposit/withdrawal limits at non home branches Option of automatic movement of excess funds in the savings account to higher earning fixed deposits Access through more than 1419 Branches & 6890 ATMs (As on 30th June, 2011) 3) FUTURES STARS SAVINGS ACCOUNT The Future Stars Savings Account is an exclusive account being offered for children inculcate the discipline of savings in children. This account will act like a piggy bank for the child where their money will be kept safe and earn interest as well. The child of age 12 years and above can also make smart purchases by way of an exclusive debit card. They will also learn to bank at an early age in a better and convenient way. This scheme of savings account has certain unique features specifically needed and used by this target group in order to have better and long term relation with the bank. This savings account is loaded with unique features as below:

This Product can be offered to the children in the category of less than 18 years of age. The account has an average quarterly balance of Rs. 2500/- for branches in Urban / Metro / Semi Urban areas and average quarterly balance will be Rs. 1000/- for branches in Rural areas. The Average Quarterly Balance shall be NIL if a Fixed Deposit of Rs 25,000/- or Recurring Deposit of Rs. 2000/- per month is maintained. The fixed deposit should be for a minimum period of 6 months and the recurring deposit should be for a minimum period of 12 months. Free personalized cheque book. For Children below the age of 12 years, the account is to be operated by the guardian on behalf of the minor. Free ATM Card with a daily withdrawal limit of Rs 1500/- will be issued in the name of the guardian. Visa Classic Debit Card for children above the age of 12 years will be offered at Issuance Fee of Rs. 95/- and with annual fee of Rs. 100/-. The child of age 12 years and above can also opt for an Image debit card with his / her own attractive picture or any other photo they choose. Automated Facility for transferring funds to the child?s account from the parent?s account on a monthly basis. Free Internet banking facility : The idea is to make the child internet savvy and expose them to the online banking environment. Online forums with interactive tutorials and games about money. Free SMS Banking. Free monthly e-statements / Quarterly Physical Statements.

4) PRIME PLUS SAVINGS ACCOUNT At Axis Bank, we design our financial products and services keeping in mind your tastes and preferences. The Prime Plus account is specially designed for you and is loaded with host of powerful features. Wider accessibility As a Prime Plus Savings account holder, you enjoy access to a wide network of over 1470 branches and one of the largest ATM networks (more than 8000 ATMs as on 31 Jan 2012) in India giving you easy access to your account from almost any corner of the country. Greater convenience To simplify daily banking, your Prime Plus Savings account comes with a Titanium Debit Card. This unique card comes with withdrawal limit of Rs 50,000 per day and POS limit of Rs. 75,000 per day. Your Debit Card also comes with a comprehensive insurance cover inclusive of zero lost card liability, purchase protection of Rs.75,000 and personal accident insurance up to Rs. 3 lakhs. [To keep your personal accident insurance cover activated, you should have made a purchase transaction in 90 days prior to the day of the incident & report the incident within 60 days of occurrence.]* More comfort Through our 24 hr Internet Banking and Tele Banking services, you can enjoy the ease of banking from home or office. Through these comprehensive services, you can access a range of facilities including online funds transfer, requests for a new chequebook, online shopping and information on mutual funds. Enhanced privileges As a Prime Plus savings customer you are eligible for special offers and discounts on locker fee, Demat account and bullion.

25% waiver on first year locker rent (subject to availability) 100% waiver on first year Demat account AMC Attractive discount on bullion

Added speed Through the 'At Par' cheque facility, you have the unique advantage to encash your cheques as a local cheque at more than 971 centres where the bank has a presence at no extra cost. In addition the account enables you to issue cheques without any limit, which will be treated as 'At Par' across these locations. You can avail of all these services with a minimum average balance of Rs 1 lakh in metro/urban centres and Rs 50,000 in semi-urban/rural centres or with a TD of Rs 5,00,000 for a minimum period of 6 months. 5) WOMENS SAVINGS ACCOUNT Presenting, Axis Bank's Women's Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Women's Savings Account gives you instant access to your money anywhere, anytime. With the Women's Savings Account, you can manage your money and your life and Furthermore Axis Bank's Women's Savings Account ensures that you have enough time for all the important things in life. Free At-par Cheque book As our Women's Savings Account holder, you will receive free "At-par" cheque book, which empowers you to encash your cheques as local cheques at any of the Axis Bank branch center. ATM Network Women's Savings Account also entitles you to an International Debit Card with which you can access your account anytime at all our ATMs - both, Visa enabled and our partner banks - across the country. Withdrawals and deposits (money as well as cheques) are possible with your Debit Card. And unlike most other ATMs, an Axis Bank ATM allows you to withdraw upto Rs.40,000/- per day. Anywhere Banking You can transact through any of our branch offices all of which are interconnected for your banking convenience. Transactions like cash deposits, cash withdrawal, transfers and clearing deposits can all be carried out wherever you happen to be. Telebanking Our Telebanking service provides you with instant access to your account. A wide range of services such as Account Information, Balance enquiry, Transaction Details, Status of your Cheques (Available only during branch business hours) and Statement of Account on Fax can be availed over the phone.

Internet Banking The idea of "your Bank on your desktop" is now a reality with Internet Banking. You can lookup the status of your savings account, request your new cheque book, undertake a range of financial transactions, avail financial advisory services, get information on mutual funds and shop online by just clicking the mouse. Free SMS Banking SMS Banking enables you to bank with us through your mobile phone irrespective of where you are. Avail facilities like balance inquiry, debit or credit alerts, last three transaction details and cheque status.

Account Statement Quarterly statements are delivered free of cost. Quarterly Interest Every quarter, interest would be credited at the rate of 4% per annum in your account. Free monthly e-statement Axis Bank offers the facility of free monthly e-statement. Eligibility You can avail of all these services with a minimum quarterly average balance of Rs.10,000/- in Metro or Urban centers, Rs.5,000/- in Semi urban centers and Rs.2,500/- in Rural centers. 6) SENIOR CITIZENS ACCOUNT Are you seeking a banking style that compliments your Senior status? Presenting, Axis Bank's Senior citizen Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Senior citizen Savings Account gives you instant access to your money anywhere, anytime. Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a Senior citizen's banking requirements are wholly different and require special consideration.

Banking Privileges Free At-par Cheque book As our "Senior Citizen" Savings Account holder, you will receive free "At-par" cheque book, which empowers you to encash your cheques as local cheques at any of the Axis Bank branch center. ATM Network Senior Citizen Savings Account also entitles you to an International Debit Card with which you can access your account anytime at all our ATMs - both, Visa enabled and our partner banks - across the country. Withdrawals and deposits (money as well as cheques) are possible with your Debit Card. And unlike most other ATMs, an Axis Bank ATM allows you to withdraw upto Rs.40,000/- per day. Anywhere Banking You can transact through any of our branch offices all of which are interconnected for your banking convenience. Transactions like cash deposits, cash withdrawal, transfers and clearing deposits can all be carried out wherever you happen to be. Telebanking Our Telebanking service provides you with instant access to your account. A wide range of services such as Account Information, Balance enquiry, Transaction Details, Status of your Cheques (Available only during branch business hours) and Statement of Account on Fax can be availed over the phone. Internet Banking The idea of "your Bank on your desktop" is now a reality with Internet Banking. You can lookup the status of your savings account, request your new cheque book, undertake a range of financial transactions, avail financial advisory services, get information on mutual funds and shop online by just clicking the mouse. Free SMS Banking SMS Banking enables you to bank with us through your mobile phone irrespective of where you are. Avail facilities like balance inquiry, debit or credit alerts, last three transaction details and cheque status. Account Statement Quarterly statements are delivered free of cost.

Quarterly Interest Every quarter, interest would be credited at the rate of 4% per annum in your account. Free monthly e-statement Axis Bank offers the facility of free monthly e-statement. Free Senior Citizen ID card

A Privilege assures the care you deserve:We have introduced Senior Citizen ID card for our Senior citizen patrons. Let us briefly introduce the wide range of advantages it hold for you. Avail of Great benefits with Senior Citizen ID card:ID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for. Feel safe Everywhere:The Senior card also acts as an emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and emergency contact details. This ensures that you are well looked after in any situation, no matter where you are. Always a Privilege:It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that we're always be there by your side.

7) PENSIONS SAVINGS ACCOUNT Pension Savings Bank Account from Axis Bank is specifically, designed for Pensioner's (Existing & Prospective) of Central Govt. Civil Ministries/ Departments & Defence Ministry keeping in mind the fact that a Pensioner's banking requirements are wholly different and require special consideration. Benefits

Timely communication to the customer on receipt of the PPO No delays in commencement of pension disbursals - The Bank is handling the disbursement of Pension under a Centralised Pension Disbursement Module wherein the Pensioner records are credited centrally through its Centralised Pension Payment Hub (CCPH) at Mumbai. Timely issue of Form- 16A for tax deducted at source in the immediately previous financial year Timely revisions based on changes in rates of Pension or Dearness Allowance, done centrally from the CCPH Features

Zero Balance Savings Account Anywhere Banking - Available at all centers Free Multi-city At Par Cheque Books Free monthly e-statement Free International Debit-cum-ATM Card for the primary & Joint holder. The account can be opened jointly only with spouse. Personal Accident Insurance Cover of Rs. 2 lakhs [To keep your personal accident insurance cover activated, you should have made a purchase transaction in 365 days prior to the day of the incident & should have maintained an average quarterly balance of Rs 5,000 (urban & metropolitan branches) or Rs 2,500 (rural & semi-urban branches) as the case may be in the two quarters before the date of the incident.]* Free Payorder & Demand Draft Internet Banking - Available through "iConnect" Tele-banking - Free, Available 24 hours at select centers Mobile Banking Facility Demat Account - Account opening charges waived Safe Deposit Lockers - Preferential allotment Note

The Bank is authorised by RBI and Central Pension Accounting Office (CPAO) for disbursement of Central Civil Pension through its 218 authorised branches across the country. The Bank is authorized by EPFO for disbursement of pension under the Employees Pension Scheme, 1995 in all the branches.

8) TRUST/NGO SAVINGS ACCOUNT Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Bank's Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organisations can devote all of their time to their noble motivations. Features

A Savings Account for your Trust with Average Quarterly Balance (AQB) of Rs. 25,000 A multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present.

Free Anywhere Banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free collection of cheques at outstation locations. Free monthly e-statement Monthly Statement of Account delivered at your doorstep. Facility for collecting donations in your account through our network of Branches and Extension Counters across the country, as well as through iConnect - our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility iConnect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time. At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors.

Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a number of banking activities from the comfort of your home or office. Investment Advice: Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. Free Demat: To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society segment. Constituent Subsidiary General Ledger (SGL) account: The Constituent Subsidiary General Ledger (SGL) account through which investments in Govt. securities are carried out comes with a host of value-added services:

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Investment advice related to the customer's g-sec portfolio Offer of better rates on sale of government securities from the Bank's stock of securities Concessions in transaction and service charges. (However charges that have to be directly passed on to the Clearing Corporation of India as part of the Negotiated Dealing System for trading in g-secs cannot be waved - a fact, which will be communicated up front.) Foreign Contribution (Regulation) Act [FCRA] accounts: The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs at New Delhi.

9) INSURANCE AGENT ACCOUNT Presenting the first of its kind account, especially crafted to suit the banking needs of professionals functioning as Insurance Agents.The offering presents a bouquet of benefits coupled with a concessional Average Quarterly Balance maintenance requirement as compared to our other products. You can avail of all of the below mentioned services at a concessional average quarterly balance of Rs.5,000 in metro/urban centers and Rs.2,500 in semi urban/rural centers. At Par Cheque Book You can encash the at-par cheques as local cheques at any of our branches pan India, at no extra cost. Drafts are now history. ATM Network This account also entitles you to an International Debit Card with which you can access your account anytime at all our ATMs across the country. Withdrawals and deposits of both, money as well as cheques, are possible with your Debit Card. And unlike most other ATMs, an Axis Bank ATM allows you to withdraw upto Rs 40,000 per day Anywhere Banking You can do transactions like cash deposits, cash withdrawal, transfers and clearing deposits through any of our branches across the country. Phone Banking Our Phone Banking provides you with a wide range of services over the phone such as account information, balance inquiry, transaction details, status of your cheque (available only during branch business hours) and even statement of account on Fax. Internet Banking The idea of "your Bank on your desktop" is now a reality with Internet Banking. You can look up for the status of your savings account, request your new cheque book, undertake a range of financial transactions, avail financial advisory services, get information on mutual funds and shop online by just clicking the mouse.

Free SMS Banking SMS Banking enables you to bank with us through your mobile phone irrespective of where you are. Avail facilities like balance inquiry, debit or credit alerts, last three transaction details and cheque status. Account Statements Physical quarterly statements and monthly e-statements are delivered free of cost. Quarterly Interest Every quarter, interest would be credited at the rate of 4% per annum in your account.

10) AZZADI- NO FRILLS ACCOUNT Basic banking with zero balance Do you seek freedom from the necessity of a minimum balance? Presenting, Axis Bank's Azaadi Account. A savings account that doesn't require a minimum balance. Experience a host of unparalleled features and heightened convenience with Azaadi Account. Product Features

Zero Balance Savings Account: No need to maintain a fixed, mandatory amount in your account. Instant Welcome Kit: Handed over to you at the time of account opening, the kit will consist of your account number, debit card, debit card PIN, internet banking PIN and phone banking PIN numbers. International Debit Card: Which gives you access to over 4055 ATMs across the country, enabling you to make deposits or withdraw cash at any time of the day or night. Phone Banking and Internet Banking: You can conveniently check your balance, transaction details, etc anytime from anywhere over telephone or using the Internet, for no extra charge. Free monthly e-statement

11) 3-in-1 Investment Account Identifying the best investment opportunities in unpredictable markets can be challenging. At least your investment portal should be easy. That's why we bring you an easy-to-use investment portal, www.axisdirect.in. This portal allows you to invest in Equity, Mutual Fund, IPO, NCDs, Mutual fund and Equity SIP. Its intelligent and intuitive features keep all necessary information handy so you don't have to painstakingly browse multiple windows. Its sharp research and analysis tools help you take well-informed and timely decisions. Experience simplified online investing with AxisDirect. Register Now We provide solutions to suit different investment needs and approaches. So whether you are a beginner, an avid investor or trader you get customised solutions, which match your specific needs. Beginners If you are new to the online trading or don't understand all the stock market jargon, then AxisDirect is 'the destination' for you. Its online training programs, unique & intuitive features and simplified content helps you understand the basics of the stock market, the research products and helps you confidently trade online, even with as little as Rs. 1,000. Register Now Investors As an independent investor, you will have access to all the research and trading facilities to execute your trades at the click of a button. You could be anywhere, anytime* and still manage to place your trades through the internet or by using our 'Trade on Phone facility'. Our customer service representatives can easily be reached via phone, as well as email. Register Now Traders Trading is an art that is mastered with experience and a lot of discipline. As a trader, you cannot afford to miss out on real time opportunities that present themselves in the market hours. You can simplify as well as customise your trading experience using any of our two unique Online Trading Platforms EXE and Applet based, depending on your trading needs. Register Now Key Features: Single account for investing in Equity, Derivatives, Mutual Fund, IPO, NCDs and Bonds, SIPs (Equity & Mutual Fund), Company Fixed Deposits and ETFs.

Single platform for multiple exchanges BSE & NSE (Cash & F&O) Market Watch available on Single Screen Multiple Charts with Tick by Tick Intraday and charting powered with various Studies Youcan save his own defined screen as well as graph template

User-defined alert settings for Stock Price trigger Shortcut key for swift access to order placements & reports Axis Direct Advantage Single Account for all investments. AxisDirect brings you an easy-to-use investment portal, www.axisdirect.in. This portal allows you to invest in Equity, Mutual Funds, IPO, NCDs, Mutual fund and Equity SIP. No more paperwork, no more queues and no more hassles. Invest in across a variety of instruments using a single account. Trade from Anywhere With AxisDirect, research, analyse, and trade anywhere through the website all from a single integrated window. Alternatively you can detach the unique order entry panel 'TradePassport' and use it to trade securely from any website that you are researching from. You save both time and effort by being only a single-Click away from trade. Independent and Third-partyResearch You will benefit with investment ideas & tips and access to in-house as well as best-in-class third party research from leading names in the industry including Recognia, The Screener, Reuters and more. Trade on Phone Take advantage of market opportunities when on the move or if you cannot access internet. Just call us and we will execute the trade basis your instructions. Powerful Tools You can research stocks based on either pre-defined or customised parameters, both at the same time. You can even set intelligent alerts, enabling you to take timely action on your portfolio even when you are not online. Subsidiary of Axis Bank AxisDirect is a brand from Axis Securities And Sales Limited, a 100% subsidiary of Axis Bank Ltd., India's Best Bank** - the choice of more than 10 million customers. AxisDirect has its foundations in the same philosophy and is completely committed to providing you the same high levels of service and trust. Axis Direct Investment Products

AxisDirect offers you a product for your every investment need.

Equities and Derivatives: Trade on a wide range of stocks, using both CASH and MARGIN products, depending upon your risk-reward preference. Invest in CASH products if you are looking for long term capital appreciation or use MARGIN products if you are interested in short term gains and have a higher risk tolerance. Derivatives: Using our platform you can trade in Futures and Options. Our MARGIN products are well suited to take care of your investment requirements Mutual Funds: Transact in mutual funds offered by leading AMCs in India with AxisDirect through our website or phone. We offer a unique proposition to invest through Distribution and Exchange channels for lumpsum purchase and redemption. You can also create systematic investment plans (SIP) in mutual funds through the Distribution channel. SIP: You can start a Systematic Investment Plan in Mutual Funds as well as in Equity stocks. Using the Equity SIP option you can choose to invest in particular stocks or indices daily, weekly, fortnightly and monthly. NCDs: NCDs are low to medium risk depending upon the company that is floating them. This is suited for investors who do not want to take much risk with their investments.Invest in NCDs through AxisDirect without any paper filling formalities. IPOs: With AxisDirect you can apply into primary markets quickly and effortlessly by using either ASBA or Non ASBA facility. 12) Youth Account The superloaded supercool YOUTH debit card isnt just your key to freedom. It gives you lots of awesome deals and amazing offers too. Whats more, you get to choose the look of your YOUTH Card. Customize it with your favourite college gang pic, or your favourite band, or just about any pic which defines YOU!

Shop using your YOUTH debit card at any merchant outlet for upto 40,000 Withdraw cash to upto 20,000 from any Axis Bank ATM for free*
*

At non Axis Bank ATMs only first 5 transactions are free every month

ECS Stop Payment Charges `100 per request Account Services at Branches a) Signature Verification: `25 b) Address Confirmation: `50 c) Photograph Verification: `50 Account Closure a) Less than 6 months: `100 b) More than 6 months : Nil

CURRENT ACCOUNT Resident Foreign Currency Account Holding foreign currency is no longer restricted to the NRIs. For the first time Reserve Bank of India has allowed Resident Indians to maintain foreign currency accounts without any ceiling to it. This step is considered as a continuation of RBIs gradual endevour towards achieving 'Full Capital Convertibility'. The Product Offerings A Resident Foreign Currency (Domestic) Account, RFC(D), with Axis Bank entitles you to maintain non-interest bearing current account in four major currencies (USD, EURO, GBP and Japanese Yen). There will be no ceiling on the balances held in the account. Chequebooks denominated in USD or GBP or EURO or Yen will be issued on these accounts with 25 leaves. The cheques thereby branded as RFC (Domestic) Account will not be presented in clearing and will be payable only at the issuing branch. The min balance for such a current account will be USD 100 or GBP 60 or EURO 100 or Yen 20,000. There will be a penal charge of USD 5 or GBP 3 or EURO 5 or Japanese Yen 1,000 per quarter in case of failure to maintain the min balance requirements. The RFC(D) account holders will not be allowed any ATM facility as of now. However they can use 'iConnect' for enquiry purposes only. Benefits A RFC(D) account with Axis Bank entitles you a hassle free and safe avenue to park your foreign currency. It will also save you of commission charges; you otherwise would have to pay whenever you require foreign currency. The account facilitates your payments for foreign travel expenses, medical treatment abroad, gifts upto $ 5,000 or equivalent, education and purchase of books directly through the Internet. Moreover the ceiling less nature of this account entitles you to hold any amount of funds as against USD 2,000, which was the maximum limit to foreign exchange holdings by Resident Indians. In recent times, investors have witnessed a lot of turmoil in the Forex markets. The fluctuations in the Rupee-Dollar rates have always been a cause of worry for frequent travelers and business class. A RFC(D) account with Axis Bank keeps your foreign currency insulated from adversities of Rupee depreciation. We assure convenient and value-added banking with Axis Bank. Contact your nearest Axis Bank branch for account opening details.

Eligibility RBI Regulations According to RBI, resident individuals who have acquired foreign currency in the form of currency notes, bank notes and travelers cheques through any of the following sources are permitted to open such an account:

Acquired by him while on visit to any place outside India by way of payment for services not arising from any business in or anything done in India; or Acquired by him, from any person not resident in India and who is on a visit to India, as honorarium or gift for services rendered or in settlement of any lawful obligation; or Acquired by him by way of honorarium or gift while on visit to any place outside India; or Represents the unspent amount of Foreign exchange acquired by him from an authorized person for travel abroad. Foreign exchange earned and/or gifts received from close relatives and repatriated to India through normal banking channels. The following cannot open a NRO account

Residents who travel overseas for health and medical check up, or For any tour abroad for their short visit whether on excursion or business promotion, or Residing in Bangladesh or Pakistan without prior approval of RBI, or Residing in Nepal and Bhutan, or Seafarers employed by Indian shipping companies

In order to open an account customer will have to submit the following documents. NRI or PIO Account For NRI (Non Resident Indian)

Photocopy of your current passport where your identity details, passport details, date and place of birth and signature appear Photocopy of valid work permit or employment visa For PIO (Person of Indian Origin)

Photocopy of your current passport where your identity details, passport details, date and place of birth and signature appear Photocopy of PIO Card or self-declaration for PIO as given on Page 5 of the Relationship Form

All the above photocopies should be attested in case you are downloading the account opening form and sending it to India. Attestation can be done by your banker abroad or the Indian Embassy or notary or equivalent authority as per the applicable law. The address proof must match with the communication address selected by you on this Relationship Form. Any One Of The Following Address Proofs

Utility Bill Driving License Residence Permit (Govt. Issued Identity Card) Credit Card Bills Rent Receipt Overseas or Indian Bank Statement NRI Salary Account

Copy of passport where your identity details, passport details, date and place of birth and signature appear Photocopy of valid work permit or employment visa Employment Letter Letter from the employer confirming direct credit of salary to the account Mariners International Account

Copy of passport along with copy of valid Visa CDC (Continuous Discharge Certificate) Copy of duly accepted work contract Declaration Letter How to use RFC The funds parked in the account can be utilised to make payments subject to RBI guidelines. Foreign currency debits to the account will be made only by way of DD or TT for payments made abroad. As far as rupee debits are concerned the customer can withdraw cash in Indian currency from the account and convert the funds back into rupees without any restrictions. The foreign currency denominated cheques will issued to the customers and will be payable only at the issuing branch and over the counter. These cheques will not be presented in clearing.

DEPOSITS Axis Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates), which can be opened with a minimum investment of Rs 10,000. You can make additions to your deposit in multiples of Rs 1,000 each. The tenure of your fixed term deposit must be a minimum of 6 months. 1 ) Fixed Deposit Schemes Reinvestment Deposits: In a reinvestment fixed deposit scheme, the interest accrued on your deposit at the end of each quarter is invested along with the principal. The tenure of your deposit must be a minimum of 6 months. At the end of the quarter, the interest and the principal are both rolled over, and the interest is calculated on the total sum. Income tax is deducted at source. Automatic Rollover: As a Fixed Deposit holder, you can avail of the facility for automatic rollovers on maturity (for both the principal and interest). You can select this option in the Account Opening Document (AOD). The options available are:

Rollover only Principal: Only the principal amount of your fixed deposit will be rolled over. The interest will be either credited to your designated account or paid out. Rollover Principal and Interest accrued in Reinvestment Deposit scheme: This will rollover both the deposit and the interest accrued for the same tenure at the Interest Rates applicable on the maturity date. On or before the maturity date, you can make the following changes in the rollover instructions of the deposit:

Change in tenure Change in maturity instructions Change in payment instructions Change in principal (only reduced amount) Change rollover of Principal to rollover of Principal + Interest, or vice versa.

Withdrawals of Fixed Deposits All encashment or withdrawals of Fixed Deposits can only be made at the branch where the deposit was booked. Method of calculation of interest rates on your fixed deposits

For fixed deposits with tenure of 6 months & above, interest is calculated on a quarterly basis. Interest earned during the previous quarter is added to the Principal for calculation of interest. Fixed deposit interest rate on this amount is calculated every quarter. For fixed deposits schemes with tenure of below 6 months, interest is calculated at Simple Interest. Please note that the period of Fixed Deposit is considered in number of days. In the event the depositor chooses to receive the periodic interest payments on a quarterly basis, interested is calculated and paid on quarterly rests. On premature withdrawal of the deposit, interest shall be paid only for the period for which the deposit is maintained with the Bank and at the rate applicable for such period. Tax at source is deducted as per the Income Tax regulations prevalent from time to time.

Documentation 2) TAX SAVER FIXED DEPOSIT In the Finance Bill of 2006, the government had announced Tax benefits to Bank Term Deposits which are of over 5 year tenure u/s 80C of IT Act, 1961 vide Notification Number 203/2006 and SO1220 (E) dated 28/07/2006. The salient points of the scheme notification are; (a) Fixed tenure without premature withdrawal. (b) Year is defined as a financial year. (c) Amount limited to Rs. 100 minimum and Rs. 100,000 maximum. (d) Bank will issue a Fixed Deposit Receipt that shall be the basis of claiming tax benefit. (e) Term deposit under this scheme cannot be pledged to secure a loan. Benefits of tax break u/s 80C of IT Act Benefit Illustrator Example Assume that a customer invests Rs 1,00,000 in this scheme @ 8% p.a. in fixed deposit for five years. He will get a benefit of Rs 30,900 at 30.90% (including Education Cess) on the eligible investment of INR 1,00,000 assuming that he is in Rs 2,50,000 lac to Rs 10,00,000 lac tax bracket, thus his effective investment would be Rs 69,100. He would earn Rs 8,000 (8% on 1 lac) as interest per annum, which would translate to a return of 11.5% on the effective investment of Rs 69,100.

Features

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Two schemes TDGRI (Reinvestment Type) and TDGQI (Quarterly Interest Type). Minimum and Maximum Deposit Amount: The minimum deposit amount will be INR 100 or multiples thereof and maximum deposit amount will be INR 100,000 Lock-in-Period: Since there is an underlying tax advantage u/s 80C of IT Act, there would be a lock in period of at least 5 years on the FD under this scheme. Type of deposit: Two types of deposits are to be offered under the scheme, one providing for quarterly compounding/reinvestment of interest (RIC scheme) and the other providing for quarterly payout of Interest (QIC scheme) to the designated operative account of the depositor. Premature closure of Fixed Deposits:. A minimum lock in period of 5 years is stipulated to enable the deposit to be assessed as exempt from taxable income u/s 80C of the IT Act. The maturity period of a term deposit receipt of any denomination shall be five years commencing from the date of the receipt. No term deposit shall be en-cashed before the expiry of five years from the date of its receipt Fixed Deposit Receipt: As per the scheme notification, tax benefits under this scheme are to be claimed through the Fixed Deposit receipt issued by the Bank. Tax Deducted at Source: Fixed Deposits with the bank shall be subject to Tax Deduction at source as per Income Tax Act 1961. Interest on these term deposits shall be liable to tax under the Act, on the basis of annual accrual or receipt, depending upon the method of accounting followed by the assessee. The tax on such interest shall be deducted in accordance with the provisions of section 194A or section 195 of the Act. Tax advantage Rate of Interest

The provision of Section 80C whereby a deduction of up to Rs 100,000 is allowed while computing total income of an individual or HUF in respect of the life insurance premium, contribution to Provident Fund etc has being amended to include fixed deposit with a scheduled bank of a period of not less than five years. Accordingly, an individual or HUF shall now be entitled to deduction of up to Rs 100,000 in case he makes a fixed deposit of the period of five years or more. This exemption shall be part of the Rs 100,000 exemption presently available in respect of life insurance premium, contribution to PF etc. High Rate of Interest for senior citizens as well as normal customers in view of the long term lock-in period enshrined in the scheme. Term deposit shall be of following types, namely: Single holder type deposits: The single holder type deposit receipt shall be issued to an individual for himself or in the capacity of the Karta of the Hindu undivided family. Joint holder type deposits: The joint holder type deposit receipt may be issued jointly to two adults or jointly to an adult and a minor, and payable to either of the holders or to the survivor: Provided that in the case of joint

holder type deposit, the deduction from income under section 80C of the Act shall be available only to the first holder of the deposit who should be a PAN holder. 3) RECURRING DEPOSIT Are you considering saving money a bit at a time? Axis Bank's Recurring Deposit scheme will allow you with an opportunity to build up your savings through regular monthly deposits of fixed sum over a fixed period of time. Features

Recurring deposits are accepted in equal monthly installments of minimum Rs 1,000 and above in multiples of Rs 500 thereafter. Recurring Deposit accounts can be opened for a minimum period of 12 months and in multiples of 12 months thereafter, upto a maximum of 120 months. The amount of installment once fixed, cannot be changed. Installment for any calendar month is to be paid on or before the last working day of the month. Where there is delay in payment of installment, one can regularise the account by paying the defaulted installment together with a penalty (at present it is @ PLR plus 4 % for the period of delay).Fraction of a month will be treated as full month for the purpose of calculating the penalty. The total amount repayable to a depositor, inclusive of interest, depends on the amount of monthly installments and the period of deposit. 4) ENCASH 24 The Encash 24 (Flexi Deposit) gives you the liquidity of a Savings Account coupled with high earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to your Savings Account providing you the following unique facilities: Maximum Returns: Your money is no longer idle. As soon as the balance in your Savings Account crosses over Rs 25,000, the excess, in multiples of Rs 5,000 will be transferred automatically to a higher interest earning Fixed Deposit Account. The maturity of fixed or term deposits formed as a result of transfer of money from the Savings Bank account will be for a minimum period 6 months upto a maximum of 5 years. Maximum Liquidity: The money parked in Fixed Deposits as a result of the above mentioned sweep out from your Savings account can be easily accessed by issuing a cheque, withdrawing through ATM etc. This amount is automatically reverse swept from the most recently formed Fixed Deposit in units of Rs 5,000 to the Savings account whenever the balance in your Savings account falls below Rs 25,000.

The amount broken form your Fixed Deposit will earn interest rates at the applicable rate for the period that the deposit was held with the Bank. The remaining amount of Fixed Deposit will continue to earn the contracted rate of interest. Auto Renewal: The tenure for the Encash 24 scheme can be flexible for a minimum period 6 months upto a maximum of 5 years. SAFE DEPOSIT LOCKER Looking for a safe storage place for your valuables? A Safe Deposit Locker with Axis Bank is the solution to your concern. Located at select branches in cities all over the country, our lockers ensure the safe keeping of your valuables. Advantages

Wide Availability: As on November 30, 2010 lockers are available at 944 branches and extension counters. Lockers available in various sizes: Direct debits for locker rentals from your account rid you of the hassles in writing out cheques. Extended banking hours to operate lockers. Competitive rentals. Locker Sizes Axis Bank's Safe Deposit Lockers are available in the following sizes.

CREDIT CARDS 1) INFINITE CREDIT CARD The Axis Bank Privee Infinite Credit Card is not just a card. It's the window to the world of limitless that seamlessly fits into the enriched lifestyle of the elite. Privileges Unrivaled Safety Enjoy unrivaled safety with EMV certified chip credit card which reduces the possibility of counterfeit and skimming fraud. Peace of Mind Axis Bank Prive Infinite Credit Card provides a complimentary Insurance Cover of Rs. 4.6 Crores including Air Accident Cover, Travel related covers, Credit Shield and Lost Card Liability to put mind at ease. Convenience Enjoy the convenience of round the clock International Concierge Services accessible from around the world through phone or internet. You can get assistance for a host of lifestyle services through our friendly Concierge Service Executives or online through our web enabled Concierge Services. For Concierge Service contact numbers and offered services, please click here. For online Concierge Services please, click here. *Terms & Conditions Apply. Access to Airport Lounges

Visa Offer: Enjoy complimentary access to airport lounges both within and outside India with your Axis Bank Infinite Credit Card. For more details and terms and conditions, please click here Priority Pass: Relax and unwind at over 500 VIP lounges in more than 90 countries and 275 cities worldwide with Priority Pass. For more details and terms and conditions, please click here

Rewards Program Enjoy the rewarding PlusPoints program specifically designed to reward your big spends and international transactions.

Earn 1 reward point on every Rs 100 spent on domestic transactions Earn 2 reward points on every Rs 100 spent on international transactions. PlusPoints can be redeemed against Air Miles, exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. To view Infinite PlusPoints Rewards, Click here. Fuel Surcharge Refund Enjoy fuel surcharge refund on spends at all fuel stations across India with your Axis Bank Infinite Credit Card (valid on transactions between Rs. 400 and Rs. 4000 only. Service Tax charged on fuel surcharge is non-refundable. No reward points are earned on fuel transactions). EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs. Click here to know more General Benefits Mobile Alerts Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts. Global Acceptance Axis Bank Infinite Credit Card helps you to be in control anywhere in the world. The Axis Bank Credit Card is accepted at over 23 million Visa accepting merchant establishments worldwide. This is in addition to over 2,50,000 Visa merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees. Please Note: As per the RBI guidelines, you can use your credit card in Nepal and Bhutan for transactions in Indian Rupees only.

Global Emergency Assistance Axis Bank Infinite Credit Card enables you to access the Visa International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*. Please call the Bank to get a copy of the Visa Global Assistance Service numbers abroad. Interest Free period* Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account. * Applicable only if there is no outstanding in the card account ie, previous bill has been settled in full by the payment due date. Not applicable to cash transactions. Revolve Facility Get Extended Credit Facility with Axis Bank Infinite Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience. The repayment options available to you is as below:

Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Balance Transfer Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially. Click here to Know More Cash Advance Facility You can use your Axis Bank Infinite Credit Card to withdraw cash upto 30% of your credit limit from over 1 million Visa ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 18,000 ATMs that display the Visa sign.

Auto Debit Facility If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

Debit Total Amount Due Debit Minimum Amount Due (5% of the outstanding amount) Urgent And Important: With effect from 1st March 2012, Convenience fee* of Rs. 50 per payment will be charged for cash payment of Credit Card bills at our Branches. * The Charges will reflect in the next Billing Cycle along with the Service Taxes applicable.

2) SIGNATURE / WEALTH CARD

Enjoy some of the best-in-class privileges in travel & living, dining and lifestyle only on Axis Bank Signature / Wealth Signature Credit Card. Apply now to get a Complimentary Satya Paul Tie with your Axis Bank Signature/Wealth Signature Credit Card. For terms & conditions, please click here Signature / Wealth Signature Privileges Highest Level of Security Your Axis Bank Signature / Wealth Signature Card is EMV certified Chip embedded Card, which gives you the highest levels of security and reduces the possibility of counterfeit or skimming as against a normal magnetic stripe credit card. Access to Airport Lounges

Visa Offer: Enjoy complimentary access to airport lounges both within and outside India with your Axis Bank Signature / Wealth Signature Credit Card. For more details and terms and conditions, please click here Priority Pass: Relax and unwind at over 500 VIP lounges in more than 90 countries and 275 cities worldwide with Priority Pass.

For more details and terms and conditions, please click here Complimentary Insurance Cover of Rs. 2.55 Crores Round the clock International Concierge Services Wherever in the world you may be, all your needs shall be taken care of. Axis Bank Signature / Wealth Signature credit card offers you the ultimate in personalised Concierge Service, which will be available to you 24 hours a day, 7 days a week. You can get assistance for a host of lifestyle services through our friendly Concierge Service Executives or online through our web enabled Concierge Services. For Concierge Service contact numbers and offered services, please click here. For online Concierge Services please, click here. *Terms & Conditions Apply. Exciting PlusPoints Rewards Program Enjoy the rewarding PlusPoints program specifically designed to reward your big spends and international transactions.

Earn 1 reward point on every Rs 100 spent on domestic transactions Earn 2 reward points on every Rs 100 spent on international transactions. PlusPoints can be redeemed against exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. To view Signature / Wealth Signature PlusPoints Rewards, Click here. Fuel Surcharge Refund Enjoy fuel surcharge refund on spends at all fuel stations across India with your Axis Bank Signature / Wealth Signature Credit Card (valid on transactions between Rs. 400 and Rs. 4000 only. Service Tax charged on fuel surcharge is non-refundable. No reward points are earned on fuel transactions). EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs.

Click here to know more.

General Benefits Mobile Alerts Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts. Global Acceptance Axis Bank Signature Credit Card helps you to be in control anywhere in the world. The Axis Bank Credit Card is accepted at over 23 million Visa accepting merchant establishments worldwide. This is in addition to over 2,50,000 Visa merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees. Please Note: As per the RBI guidelines, you can use your credit card in Nepal and Bhutan for transactions in Indian Rupees only. Global Emergency Assistance Axis Bank Signature Credit Card enables you to access the Visa International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*. Please call the Bank to get a copy of the Visa Global Assistance Service numbers abroad. Interest Free period* Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account. * Applicable only if there is no outstanding in the card account ie, previous bill has been settled in full by the payment due date. Not applicable to cash transactions Revolve Facility Get Extended Credit Facility with Axis Bank Signature Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience.

The repayment options available to you is as below:


Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Balance Transfer Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially. Click here to Know More Cash Advance Facility You can use your Axis Bank Signature Credit Card to withdraw cash upto 30% of your credit limit from over 1 million Visa ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 18,000 ATMs that display the Visa sign. Auto Debit Facility If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

Debit Total Amount Due Debit Minimum Amount Due (5% of the outstanding amount) EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs. Click here to know more Urgent And Important: With effect from 1st March 2012, Convenience fee* of Rs. 50 per payment will be charged for cash payment of Credit Card bills at our Branches. * The Charges will reflect in the next Billing Cycle along with the Service Taxes applicable.

3) MY ZONE CREDIT CARD Presenting, Axis Bank MY Zone Credit Card, a card that allows you to have unlimited fun while you are out with your friends. Exciting offers on movie ticket bookings, dining, shopping and much more, makes it the ultimate choice for the fun-seeker in you. It provides gratifying rewards while allowing you to fulfill all your entertainment needs. Save while you enjoy, is the mantra of MY Zone Credit Card. Enjoy the world of exciting privileges and benefits with your Axis MY Zone Credit card Benefits on your MY Zone Card 25% Cashback on Movie ticket bookings Now watching movies is all the more fun with your My Zone card. Enjoy 25% cash back on online and box office movie ticket purchases on all days of the week.* *No reward points are earned on movie offer transactions. The amount of cashback in a calendar year is limited to Rs. 1000. For terms and conditions, click here 10X Rewards on Dining on weekends Get 10 times the reward points every time you dine out on your Axis Bank My Zone Credit Card on weekends. Also get 5X rewards on shopping on weekends Terms and conditions

Cardholders need to use their valid MY Zone Credit Card as the mode of payment to enjoy 10X Rewards on dining. The reward points earned will reflect in the cardholders account every billing cycle in their monthly statement, The Bank will not be responsible, if any Merchant Establishment has not mapped the Merchant ID (MID) under the correct MCC. 5X on shopping on weekends Get 5X rewards on shopping at apparel stores , departmental stores & supermarkets on weekends Terms and conditions

Cardholders need to use their valid MY Zone Credit Card as the mode of payment to enjoy 5X Rewards on shopping at apparel stores, departmental stores and supermarkets.

The reward points earned will reflect in the cardholders account every billing cycle in their monthly statement, The Bank will not be responsible, if any Merchant Establishment has not mapped the Merchant ID (MID) under the correct MCC. Complimentary Lounge Access Enjoy complimentary access to airport lounges within India with your Axis Bank My Zone Credit Card. For more details and terms and conditions, please click here Fuel Surcharge Waiver Now get a 2.5% Fuel Surcharge Waiver on all fuel transactions with your Axis Bank MY Zone The offer is valid across all petrol stations in India for a minimum transaction amount of Rs. 400 and a maximum of Rs. 4000*. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge. Zero lost card liability up to Rs. 3,00,000* If your Axis Bank MY Zone Card is misplaced or stolen, report the loss immediately by calling our customer service at 1800 233 5577 or 1800 209 5577 or 1800 103 5577. With zero lost card liability, you are protected against any fraudulent use of your card from the moment your report the loss of card to us.

4) MY WINGS CREDIT CARD Two Complimentary flight tickets Redeem your 2 complimentary base fare flight tickets in simple steps:

Call Ezeego 1 helpline number 022-61947190 & announce the offer you wish to avail. To avail the offer, provide your 16 digit Axis Bank My Wings Primary Credit Card number to the customer service executive. Your credit card number is your offer promo code. Book your ticket/s and pay for the taxes & surcharge through IVR or online process by using your My Wings Card. For details and terms and conditions, Please Click Here.

20% Cashback on base fare on booking any domestic flight tickets per sector Get your 20% cashback on base fare domestic flight ticket bookings in simple steps:

The offer is valid on bookings made through 022-61947190 or on our website www.ezeego1.com. To avail the offer, provide first 15 digits of your Axis Bank My Wings Primary Credit Card number to the customer service executive or as the promo code on the website. Book your ticket/s and pay for the full ticket price - taxes & surcharge through IVR or online process by using your My Wings Card. Cashback on the flight tickets will be processed in 7 working days to the card account. For details and terms and conditions , Please Click Here. Get Rs. 25 off everytime you book your tickets with My Wings Credit Card on www.irctc.com Get your 20% cashback on base fare domestic flight ticket bookings in simple steps:

Maximum Cashback of Rs. 25 per transaction Maximum Annual benefit of Rs.200 per cardholder Terms & Conditions :

The offer is available on use of Axis Bank My Wings Credit card on Online ticket booking on www.irctc.com only. The maximum Cashback that may be received by a Cardholder in a Calendar year (January 1 to December 31) cannot exceed Rs. 200. The total cash back limit is shared across Primary and add on credit cards. The Cardholder would be billed the complete transaction amount and the Cashback would appear as a credit entry in the Cardholders Card Account Statement Rs.100 cash back per ticket on booking any bus tickets in India. Get your Rs.100 cashback on bus ticket bookings in simple steps:

The offer is valid on bookings on the website www.ezeego1.com. To avail the offer, kindly enter and validate "AXISCOMBO" in the Promo code section on the payment page. Only individuals who have a valid Axis Bank My Wings Credit Card and have paid Joining Fees will be eligible for the offer. Cashback on the bus tickets will be processed as per terms & conditions mentioned below. working days to the card account. For details and terms and conditions , Please Click Here.

Rs. 400 cash back on booking any car rentals in India. To avail the offer :

Flat Rs. 400 cash back per car booking would be given on car rentals within India. Bookings have to be made online on our website www.ezeego1.com To avail the offer, kindly enter and validate "AXISCOMBO" in the Promo code section on the payment page. On validation of the promo code, an instant discount of Re. 1 will be given. The actual cash back will be refunded to your card account within 15 working days of completion of travel. The amount will reflect in your card account within 3-14 days from date of processing depending on your bank. For details and terms and conditions , Please Click Here. Complimentary Lounge Access With Axis Bank My Wings Credit Card you get exclusive access at lounges in Domestic and International Terminals of major airports in India where in you can relax and rejuvenate. Axis Bank My Wings Credit Card will make you feel special in the lounges of Domestic and International airports of Delhi, Mumbai, Chennai, Kolkata and Hyderabad. For details and terms and conditions , please Click here. Fuel Surcharge Waiver If you choose to travel by your own car, Axis Bank My Wings Credit Card provides you 2.5% surcharge refund on your fuel transactions (for transactions between Rs. 400 and Rs. 4000)* at all petrol pumps across India. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge. Zero Lost card liability up to Rs. 1,00,000* If your Axis Bank My Wings Card is misplaced or stolen, report the loss immediately by calling our customer service at 1800 233 5577 or 1800 209 5577 or 1800 103 5577. With zero lost card liability, you are protected against any fraudulent use of your card from the moment your report the loss of card to us.

5) My Business Credit Card The MY Business Credit Card is a tailor-made offering for Business Banking customers of Axis Bank. The product offers a host of features that are aimed at helping the cardholder manage the business efficiently through lower interest rates, the Business Savings Plan and other value adding benefits. The detailed benefits of the MY Business Credit Card are as follows: 2 FREE Nights Hotel Stay Redeem your 2 FREE Nights Hotel Stay vouchers with Ezeego1.com. The voucher can be redeemed against hotel room nights for a value of up to Rs.3000 per room night. In order to use the vouchers, please call the customer service team on 1800 120 0408. The offer is valid for any booking done within 1 month of receiving the voucher. For detailed terms & conditions, click here Business Savings Plan Todays ever-changing Business landscape requires your business to be smarter and more resourceful than ever. In other words, your business needs leverage. At Axis Bank, thats exactly what we can offer you. The Axis Bank Business Savings Plan is specially developed by our team of business experts, which offer a comprehensive suite of privileges specially designed to enhance the efficiency of your business processes. Through the business savings plan you will be able to help control your official travel and business expenses more effectively. A host of offers from select brands that offer business related services will help reduce your cost. The offers and its benefits are as given below:

Aramex The MY Business Credit Card option offers an instant enrollment of the cardholder in the Business Plus program offered by Aramex Couriers. The Business Plus program will offer the customer a 30% discount on all shipments booked. Further, the cardholder will receive a free shipment option of a package upto 1 kg on availing the services 7 times. Every 7th shipment (up to 1 kg) will be free of cost for the cardholder. The cardholder will also be offered the Ship & Shop service membership offered by Aramex worldwide. This membership for the Ship & Shop service is $45 which will be waived for MY Business cardholders. Further, MY Business cardholders will also be offered a 10% discount on using the Ship & Shop services for shipping goods.

For detailed terms & conditions, click here

Ezeego1 Avail 20% cash back on base fare flight ticket bookings throughout the year with your MY Business Credit Card on www.ezeego1.com - Maximum Cash back of Rs. 500 per ticket per transaction - Maximum Annual calendar year benefit of Rs.2000 per cardholder - Log on to www.ezeego1.com and select your flight options For detailed terms & conditions, Click here Flight Offer - Rs. 500 cash back on booking any domestic return air ticket, Rs. 1,500 cash back on booking any international return air tickets Hotels Offer - Rs. 1000 cash back on booking any hotels across India, Nepal & Bhutan on min booking value of Rs.7000, Rs. 1,500 cash back on international hotel bookings of Rs. 7,000 and above Holidays Offer - Rs. 2,500 cash back on holidays worth Rs. 20,000 & above, Rs. 3,000 cash back on booking any international holidays on min booking value of Rs.20,000 and above Bus Offer: Get Rs.100 cash back per person on booking any bus tickets in India For Terms and conditions, please Click here

Trade India Tradeindia is a major entity involved in the task of bringing manufacturers, buyers and sellers under one pedestal. Tradeindia.com conceptualised in the year 1996, has created a niche as India's largest B2B marketplace, offering comprehensive business solutions to the global EXIM community through its wide array of online services, directory services and facilitation of trade promotional events. Our portal is an ideal forum for buyers and sellers across the globe to interact and conduct business smoothly and effectively. Tradeindia.com currently offers 3 value added product offerings to customers. For MY Business Cardholders, a discount of up to 30% will be extended. - 30% discount on the Super Seller product - 25% discount on the Premium Seller product - 20% discount on all other product and services For Terms and conditions, please Click here

GoRecharge The MY Business Credit Card offers you a discount of 5% every time you recharge your prepaid mobile, DTH and data card at www.gorecharge.com. Offer is valid for all recharge done between 1st November, 2012 to 30th April, 2013 and is valid for recharge value between Rs. 100 and Rs. 1000. For Terms and conditions, please Click here

YesGrid The MY Business Credit Card provides you an exclusive 10% discount on any purchase from www.yesgrid.com. Enter promo code YGVC10 before completing the purchase with your Visa Commercial card to enjoy 10% exclusive discount off your purchase. Offer is valid till 31st March 2013. For Terms and conditions, please Click here Lowest Interest Rates Get Extended Credit Facility at the lowest rates of 1.95% p.m. (26.08% annualized) with your MY Business Credit Card, where you may buy a product anytime and choose to pay as per your convenience. The repayment options available to you are:

Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Fuel Surcharge Waiver If you choose to travel by your own car, the MY Business Credit Card provides you 2.5% surcharge refund on your fuel transactions (for transactions between Rs. 400 and Rs. 4000)* at all petrol pumps across India. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge.

Rewards Point Program Enjoy an exciting rewards program specially designed to reward your big spends and international transactions. Now earn 1 PlusPoint for every Rs.100 spent on Domestic spends. The points earned through usage can be redeemed against exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. Airport Lounge Access Enjoy complimentary access to airport lounges both within and outside India with your MY Business Credit Card. As MY Business Credit Cardholder, you are eligible for 2 complimentary airport lounge visits every quarter (2 times in 3 months; quarter classified as Jan to March, April to June, July to Sep, Oct to Dec) To know the list of airport lounges click here Company Name on Your Card You can customize your MY Business Credit Card by getting your Company's name or your designation embossed on the front face of the card in the form of fourth line embossing. This will provide association and recognition to your business and you. Zero Lost Card Liability As a MY Business customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing Credit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number. Cash Advance Facility You can use your MY Business Credit Card to withdraw cash upto 30% of your credit limit from over 1 million Visa ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 26,000 ATMs that display the Visa Logo.(including over 10,000 Axis Bank ATMs)

6) MY CHOICE CREDIT CARD Presenting, Axis Bank MY Choice Credit Card, a card that allows you to personalize your card design and choose your benefits. You can now customize features and benefits according to your spending and saving needs, so that you get the best out of every transaction you make. Be the craftsman of your own card with MY Choice Credit Card - a card you want it to be Exciting privileges available on your Axis MY Choice Credit Card Design your own card Get the design of your choice printed on the Card by either uploading your own Image or choose from a gallery of Images. 5% cash back on 2 of your favorite spending categories Choose any 2 categories out of following categories for 5% cashback

Dining, Fuel Electronics Utility Bills Travel supermarkets For details and terms and conditions, click here Complimentary Lounge Access Relax at lounges in Domestic and International Terminals of major airports in India. Axis Bank My Choice Credit Card gives you access to lounges in Domestic and International Airports of Delhi, Mumbai, Chennai, Kolkata and Hyderabad. For details and terms and conditions, click here

Zero Lost Card Liability After you report the loss of your Axis Bank MY Choice Credit Card, fraudulent transactions on your Axis Bank MY Choice Credit Card will be covered upto Rs. 100,000. ATM, Internet transactions and IVR transactions will not be covered. For Claim procedure and terms and conditions, click here

7) CORPORATE CREDIT CARD Axis Bank's Corporate Card offers the best travel and expense management solution to corporates with global acceptance and customized solutions powered by VISA. Axis Bank Corporate Card comes with two liability options: Corporate Liability: Corporate Liability Corporate Cards are an effective way of managing travel policies and negotiating preferential terms with key suppliers. These cards are issued after credit assessment of the corporate; who in turn defines the limit on individual cards. The corporate bears the liability for the entire outstanding amount on the cards. The payment is made directly to the Bank once a month instead of multiple payments to individual employees/suppliers. Exposure risk of the Corporate is mitigated by the fact that the card is a charge card wherein the full payment is to be made at the end of each month with no revolve allowed on the outstanding. Individual Liability: Individual Liability Cards based on the same lines as the personal Credit Cards are an effective way for the employees to keep their personal and official expenses separate while at the same time simplifying the reimbursement process. Individual employees are assessed for assignment of credit limit on each card and are solely liable for the payment of spends done on the card. Benefits for Corporate Streamlining Payments Your company will be able to track travel and entertainment expenses and assign individual employee spending limits to enable you to manage and control your business travel-related expenses more efficiently. Keeping track of costs Visa Information Source (VIS) - our reporting solution provides consolidated management data and easy on line access to your transactions. Data can also be fed into your accounting system, providing the most current and accurate information for analyzing corporate travel and entertainment expenditures. Get a better deal You'll have access to detailed transaction level information, which can be used to negotiate discounts with vendors and manage employee compliance with corporate travel policies backed with vendor level organizational spend MIS.

4th Line Embossing You can customize your card by getting your Company's name embossed on the front face of the card in the form of fourth line embossing. This will provide association and recognition to your employees. Savings through Online Bookings Your organization can get significant savings on Airlines and Hotel booking by buying tickets or booking hotels online. Benefits for the Cardholder Petrol Surcharge Refund You get a fuel surcharge waiver across all petrol stations in India. The waiver is valid for a minimum transaction amount of Rs 400 and a maximum of Rs 4,000*. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge PlusPoints Earn tremendous PlusPoints, which can be redeemed with exciting offers and gift vouchers. PlusPoints can be redeemed against Air Miles, exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. To view Corporate Gold PlusPoints Rewards, Click here. To view Corporate Silver PlusPoints Rewards, Click here. To view Corporate Platinum PlusPoints Rewards, Click here. Protection through insurance Enjoy the free security of various insurance schemes for air travel, lost card and credit shield cover. With effect from Mar 1, 2011, Air Accident and Credit Shield covers on your Axis Bank Credit Card are being withdrawn. VIS (Visa information source)

A unique Online MIS


Immediate and efficient expense reporting system claim settlement methods and reporting procedures. Detailed Reports to better control and reduce procurement expenses. More than 100 schedules and interactive reports. Spending analysis by time department, cost center and supplier analysis. Flexible data extracts capabilities. Ability to restrict access at all user levels. Note: Fresh issuance of Axis Bank Corporate Credit Card with Individual Liability has been discontinued. Contents on this site are applicable only to existing Axis Bank Corporate Credit Cardholders (with Individual Liability). The Bank continues to issue Corporate Credit Cards with Corporate Liability.

8) PLATINUM CREDIT CARD Enjoy the world of exciting privileges and benefits with your Axis Bank Platinum card. Platinum Privileges Highest Level of Security While the rest of the world is still catching up with this increased level of security, Axis Bank Platinum Credit Card membership presents you with the Platinum Chip card. The Platinum Chip offers clear authentication of credit payments combined with easy fraud detection. The chip can not be duplicated, ruling out counterfeiting and skimming. This makes your card safer and secure than any other card in India. 2.5% Savings on Fuel Spends Now get a 2.5% Fuel Surcharge Waiver on all fuel transactions with your Axis Bank Platinum Credit card. The offer is valid across all petrol stations in India for a minimum transaction amount of Rs. 400 and a maximum of Rs. 4000*. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge.

Exciting Rewards Program Enjoy an exciting rewards program specially designed to reward your big spends and international transactions.

Earn 1 PlusPoint for every Rs.100 spent on Domestic spends Earn 2 PlusPoints for every Rs. 100 spent on International Spends PlusPoints can be redeemed against exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. To view Platinum PlusPoints Rewards, Click here.

Additional Platinum Benefits Comprehensive Insurance Cover Axis Bank Platinum Credit Card includes a package of insurance benefits to set you mind at ease. The table below enumerates the benefits provided on Axis Bank Platinum Credit Card. Conditions Apply With effect from Mar 1, 2011, Air Accident and Credit Shield covers on your Axis Bank Credit Card are being withdrawn. Cover and Claim Procedure Exclusive Platinum Offers Check out the Exclusive Offers on your Platinum Credit Card.

Matrix Cellular: Stay connected the smarter way with Matrix Sim cards. For offer details and terms & conditions, click here Hertz Car rentals: Enjoy 10% off on car rentals. For offer details and terms & conditions, click here The offer is valid across all petrol stations in India for a minimum transaction amount of Rs. 400 and a maximum of Rs. 4000*. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge.

Joining & Annual Fees 25% cash back on Movie ticket bookings Now watching movies is all the more fun with your Platinum card. Enjoy 25% cash back on online and box office movie ticket purchases on all days of the week.* *No reward points are earned on movie offer transactions. The amount of cashback in a calendar year is limited to Rs. 1000. For terms and conditions click here EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs. Click here to know more

General Benefits Mobile Alerts Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts. Global Acceptance Axis Bank Credit Card helps you to be in control anywhere in the world. The Axis Bank Credit Card is accepted at over 23 million Visa accepting merchant establishments worldwide. This is in addition to over 2,50,000 Visa merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees. Please Note: As per the RBI guidelines, you can use your credit card in Nepal and Bhutan for transactions in Indian Rupees only. Global Emergency Assistance Axis Bank Credit Card enables you to access the Visa International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*.

A fee is applicable for this service. Please call the Bank to get a copy of the Visa Global Assistance Service numbers abroad. Interest Free period* Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account. * Applicable only if there is no outstanding in the card account ie, previous bill has been settled in full by the payment due date. Not applicable to cash transactions. Revolve Facility Get Extended Credit Facility with Axis Bank Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience. The repayment options available to you is as below:

Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Balance Transfer Transfer your credit card balance and pay a flat interest rate of 0.75% p.m. for 6 months*, with 1% processing fee or Rs.100 (whichever is higher). Click here to Know More Cash Advance Facility You can use your Axis Bank Credit Card to withdraw cash in accordance to your credit limit from over 1 million Visa ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 25,000 ATMs that display the Visa sign. Auto Debit Facility If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

Debit Total Amount Due Debit Minimum Amount Due (5% of the outstanding amount)

EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs Click here to Know More

9) TITANIUM SMART CREDIT CARD Presenting, the Axis Bank MasterCard Titanium Smart Traveler Credit Card, a card packed with exciting Travel Benefits to make your journey even more rewarding. Get more when you travel, get a Titanium Smart Traveler Credit Card now. Travel Benefits Travel Rewards: As an Axis Bank Titanium Credit Card holder, you will earn additional PlusPoints on your travel spends. You stand to earn:
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4 PlusPoints for every Rs. 100 spent while traveling abroad. When you use your Titanium Credit Card in India: You will earn 2 PlusPoints for every Rs. 100 spent on hotel, holiday packages, airlines, train and bus bookings. For all other spends, you will earn 1 PlusPoint for every Rs. 100 spent PlusPoints earned on Titanium Smart Traveler Credit Card can be converted to Air Miles (JP Miles & King Miles) * No PlusPoints will be awarded on Fuel Spends, Balance Transfer, Cash Withdrawal and transactions converted to EMI. For terms and conditions pertaining to Travel Rewards, click here Petrol Surcharge Refund: If instead, you choose to travel by your own car, Axis Bank Titanium Credit Card provides you 2.5% surcharge refund on your Fuel transactions (for transactions between Rs. 400 and Rs. 4000)* at all petrol pumps across India. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge. Complimentary Lounge Access: Relax at lounges in Domestic and International Terminals of major airports in India. Axis Bank MasterCard Titanium Credit Card grants you access to lounges in

Domestic and International Airports of Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Kochi. For details and terms and conditions Click here Zero Lost Card Liability After you report the loss of your Axis Bank Titanium Credit Card, fraudulent transactions on your Axis Bank Titanium Credit Card will be covered upto Rs. 100,000. ATM, Internet transactions and IVR transactions will not be covered. For Claim procedure and terms and conditions Click here Interest free period* Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account. *Applicable only if there is no outstanding in the card account i.e., previous bill has been settled in full by the payment due date. Not applicable to cash transactions. Revolve Facility Get Extended Credit Facility with Axis Bank Titanium Credit Card, where you may buy a product anytime and choose to pay as per your convenience. The repayment options available to you are:

Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Balance Transfer Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially. Click here to Know More. Cash Advance Facility You can use your Axis Bank Titanium Credit Card to withdraw cash up to the assigned cash limit from ATMs (Automated Teller Machines) around the world.

EMI Facility EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs. Click here to know more.

10) EASY CREDIT CARD A Credit Card which can be availed over the counter at any Axis Bank Branch with minimal documentation and guaranteed approval. With the Insta Easy Credit Card, you get a host of benefits, attractive rewards and exciting offers every month! Features & Benefits : Guaranteed Approval The approval of Axis Bank Insta Easy Credit Card is 100% assured. Highest Level of Security While the rest of the world is still catching up with this increased level of security, Axis Bank Insta Easy Credit Card membership presents you with the Platinum Chip card. The Platinum Chip offers clear authentication of credit payments combined with easy fraud detection. The chip cannot be duplicated, ruling out counterfeiting and skimming. This makes your card safer and secure than any other card in India Easy Documentation

No Income proof No additional address proof (If current address same as per Banks Record) No additional identity proof All you need is a Fixed Deposit at any of the branches of Axis Bank conveniently located all across India. Lower Interest Rate of 1.95% p.m Enjoy one of the lowest interest rate in industry on your Axis Bank Insta Easy Credit Card.

Credit Limit as high/ low as you want Enjoy the flexibility of deciding your own credit limit. You can choose any limit up to 80% of the FD Principal value. Upto 100% Cash Withdrawal Get high cash withdrawal facility upto 100% from day one. *Free credit period of up to 50 days Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account. *Applicable only if there is no outstanding on the card account i.e., previous bill has been settled in full by the payment due date. Not applicable on cash transactions. Fuel Surcharge Waiver of 2.5% at all Petrol Pumps Enjoy fuel surcharge waiver of 2.5% across all petrol pumps in India for transactions between Rs. 400 and Rs. 4000*. *No PlusPoints are earned on fuel transactions made using your Axis Bank Credit Card. No refund shall be provided for Service Tax charged on the surcharge. Rewards Program

Enjoy an exciting rewards program specially designed to reward your big spends and international transactions.

Earn 1 PlusPoint for every Rs.100 spent on Domestic Spends Earn 2 PlusPoints for every Rs. 100 spent on International Spends PlusPoints can be redeemed against exciting Gifts, Merchandise & Gift Vouchers. You need to accumulate 1000 PlusPoints in order to start redeeming. To view Platinum PlusPoints Rewards, Click here.

Mobile Alerts Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts. Global Acceptance Insta Easy Credit Card helps you to be in control anywhere in the world. Axis Bank Easy Credit Card is accepted at over 23 million Visa accepting merchant establishments worldwide. This is in addition to over 2,50,000 Visa merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees. Please Note: As per the RBI guidelines, you can use your credit card in Nepal and Bhutan for transactions in Indian Rupees only. Global Emergency Assistance Insta Easy Credit Card enables you to access the Visa International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*. A fee is applicable for this service. Please call the Bank to get a copy of the Visa Global Assistance Service numbers abroad. Revolve Facility Get Extended Credit Facility with Insta Easy Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience. The repayment options available to you are as below:

Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months Pay the total amount due. Pay any amount ranging from the minimum amount due to the total amount due. Balance Transfer Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially. Click here to know more.

Auto Debit Facility If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

Debit Total Amount Due Debit Minimum Amount Due (5% of the outstanding amount) EMI Facility EMI feature on Insta Easy Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs Click here to Know More

11) SHRIRAM TRANSPORT The first credit card exclusively for transport operators Shriram Axis Bank Credit Card is a co-branded credit card launched by Axis Bank in association with Shriram Transport Finance Company Ltd (STFCL). It is the first credit card to be issued to transport operators in the country. The Shriram Axis Bank co-branded credit card is exclusively for the customers of STFCL having a good track record. This co-branded credit card will be very useful to the transport operator in meeting his day-to-day working capital requirements and provide him safety and convenience of plastic money. By using this co-branded credit card, the transport operator can withdraw cash from the ATM, buy fuel, tyres, oil, and batteries as well as make purchases at any VISA merchant outlet in the country. To view Shriram PlusPoints Rewards, Click here. Features
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Photo Credit Card Complimentary Comprehensive Insurance Benefits: Personal Accident Cover*: Rs. 3,00,000 Lost Card Liability: Rs. 15,000

Credit Shield: Rs. 15,000 Reward Points: 1 reward point for every Rs. 100 spent on the card. Free Mobile Alerts *Personal Accident Cover is valid only if the card has been used at a Merchant Establishment or at an ATM for cash withdrawal in the 90 days preceding the incident.

12) TRUSTS CHEMISTS CREDIT CARD WELL-BEING Packaged for your family Trust Chemists & Druggists Ltd. is the largest organized retail Pharmacy chain of Karnataka, with 36 air-conditioned outlets in Bangalore. It is conceptualized on the foundation of consumer needs from medicines to preventive care, specified medications to community health camps. Trust Chemists Axis Bank Credit Card is the first ever co-branded card in the pharmacy category in India. It is exclusively designed for Trust customers and brings you a host of exclusive benefits. Exclusive Benefits 4% Discount on purchases at Trust We understand how unpredictable medical requirements and the subsequent bills can get. Whatever it may add up to, Trust Chemists Axis Bank Credit Card relieves you with a 4% discount on the entire bill amount at Trust Chemists. Free First Aid Kit as Welcome Gift Your first swipe with Trust Chemists Axis Bank Credit Card at Trust Medical outlets will get you a free First Aid Kit worth Rs. 175/-, if you are among the first 2000 customers. Early Bird Offer Swipe your card for Rs.1, 500/- and above within 45 days and you will get a free health package worth Rs. 900/-, if you are among the first 2000 customer. Priority Billing Time, especially when you need to buy medicines, is always a little too less. A Trust Chemists Axis Bank Credit Card helps you avoid the long queues at billing counters by providing you with Priority Billing facility.

Free Home Delivery You can avail of 24 hours Home Delivery service at no extra cost. Maintenance of Purchase Records Trust Chemist regularly maintains your purchase records, which help you to refer your previous medications every time you visit. Zero Surcharge There will be no surcharge for transactions on the Trust Chemists Axis Bank Credit Card. Free For Life There is no joining fees or annual fees on this card. Other Benefits Interest Free Credit Period The interest free grace period could range from 20 to 50 days. However this is not applicable if the previous month's balance has not been cleared in full or if you have availed of cash from an ATM, or you have any outstanding towards Balance transfer. Auto Debit Facility If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly credit card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

Debit Total Amount Due Debit Minimum Amount Due (5% of the outstanding amount) Comprehensive Insurance Cover Axis Bank Trust Chemist Credit Card includes a package of insurance benefits to set you mind at ease. The table below enumerates the benefits provided on Axis Bank Trust Chemist Credit Card.

SALARY ACCOUNTS 1) EASY ACCESS SALARY ACCOUNT Banking made Easy with the host of benefits provided by our Easy Access Salary Account. Convenience in banking

Bank at any of our over 1600 branches and a network of over 10000 ATMs spread across more than 1000 centers One free multi-city at par cheque book per quarter One free Pay Order / Demand Draft drawn at Axis Bank locations per month No commission charged on collection of outstation cheques drawn on Axis Bank locations Electronic Fund Transfer facility across all banks in India Internet Banking with secure fund transfer facility (with 2-factor authentication) to self and third party accounts 24x7 convenience at no charges with Axis Mobile Free SMS Banking with features such as alerts on debits / credits over Rs.5,000/- balance enquiry, enquiry on last 3 transactions and status of cheque clearance etc Free Quarterly statement in physical form and option of free monthly e-statements Debit Card

Free Visa Classic Debit Card for primary accountholder Annual charges of Rs.100 waived, subject to total purchase transactions in the year exceeding Rs.15,000 Unlimited free cash withdrawals on Axis Bank ATMs and up to 5 free transactions per month on Other Bank ATMs Enhanced limit of Rs.40,000 on cash withdrawals Purchase transaction limit of Rs.40,000 in a day Protection for self, family and assets

Personal Accident Cover of up to Rs.2 lakh on Visa Classic Debit Card, as per Bank's extant guidelines [With effect from 01.05.2011, to keep the personal accident insurance cover activated, the Cardholder should have made a purchase transaction in 180 days prior to the day of the incident and received salary credits in at least two of the three months preceding the date of the incident. A report would also have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card.] Zero Lost Card Liability on Debit Card: As an Axis Bank Debit Card customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing debit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number.

Purchase protection: All consumer durable goods purchased using the debit card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase, eligible for a combined lost card liability and purchase protection of up to Rs.40,000. Life Insurance solutions in association with Max Life Insurance Co Ltd Benefits for the family

Easy access to cash with Visa Classic Debit Card for joint accountholder with no issuance charges. Annual charges of Rs.100 waived, subject to total purchase transactions in the year exceeding Rs.15,000 In case of exigency

Overdraft facility with extended limit of 2/3 times of the net salary (average of 3 months) as per eligibility. This limit is capped at Rs.1,00,000 which is available for tenure of 12 months Preferential rates on Personal Loans, Auto Loans and Home Loans, as per eligibility criteria DOCUMENTATION

Introduction by the company for employee bonafides in the Bank's format (Stamped and Signed by the authorized signatory) Proof of Photo Identification

PAN Card Passport Election Card Government / Defence services / Public Sector undertaking / Photo-identity Card Driving Licence Proof of Address (Any one document)

Telephone / Mobile / Electricity Bill. Any connection to be at least 6 months old preferably in the name of the account holder / spouse / family member. Ration Card Gas connection registration letter Income tax / Wealth tax assessment order Registered lease / leave and licence agreement with a utility bill in the name of the landlord. Joint Accounts For joint accounts the above documents are required for both, the applicant as well as the joint applicant(s).

2) PRIME SALARY ACCOUNT Experience unparalleled privileges with our Prime Salary Account. Convenience in banking:

Bank at any of our over 1600 branches and a network of over 10000 ATMs spread across more than 1000 centers Two free multi-city at par cheque books per quarter Two free Pay Orders / Demand Drafts drawn at Axis Bank locations per month No commission charged on collection of outstation cheques drawn on Axis Bank locations Electronic Fund Transfer facility across all banks in India Internet Banking with secure fund transfer facility (with 2-factor authentication) to self and third party accounts 24x7 convenience at no charges with Axis Mobile Free SMS Banking with features such as alerts on debits / credits over Rs.5,000/- balance enquiry, enquiry on last 3 transactions and status of cheque clearance etc Free Quarterly statement in physical form and option of free monthly e-statements Debit Card:

MasterCard Titanium Rewards Debit Card for primary account holder with Issuance charges waived Unlimited free cash withdrawals on all ATMs (Axis Bank ATMs and Other Bank ATMs) Enhanced limit of Rs.50,000 on cash withdrawals Purchase transaction limit of Rs. 2,00,000 in a day Nil fuel surcharge Access to lounge facilities at domestic airports Reward points on domestic spends Occasion based cash back offers Protection for self, family and assets:

Personal Accident Cover of up to Rs.5 lakh on MasterCard Titanium Rewards Debit Card, as per Bank's extant guidelines [With effect from 01.05.2011, to keep the personal accident insurance cover activated, the Cardholder should have made a purchase transaction in 90 days prior to the day of the incident and received salary credits in at least two of the three months preceding the date of the incident. A report would also have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card.] Zero Lost Card Liability on Debit Card: As an Axis Bank Debit Card customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing debit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number.

Purchase protection: All consumer durable goods purchased using the debit card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase, eligible for a combined lost card liability and purchase protection of up to Rs. 1,75,000 Life Insurance solutions in association with Max Life Insurance Co Ltd Benefits for the family:

Easy access to cash with Master Card Titanium Debit Card for joint accountholder with no issuance charges. Annual charges of Rs.150 waived, subject to total purchase transactions in the year exceeding Rs.30,000 One zero balance savings account can be opened for a family member anywhere in the country In case of exigency:

Overdraft facility with extended limit of 2/3 times of the net salary (average of 3 months) as per eligibility. This limit is capped at Rs.1,00,000 which is available for tenure of 12 months Preferential rates on Personal Loans, Auto Loans and Home Loans, as per eligibility criteria

3) PRIORITY SALARY ACCOUNT With Axis Bank's Priority Salary Account, experience the best in class service and enjoy other exclusive privileges. Axis Priority Privileges

Exclusive premium service through Banking Privileges, Lifestyle privileges & Investment privileges Access to Premium Banking branches Dedicated Relationship Manager for all banking needs Convenience in banking

Bank at any of our over 1600 branches and a network of over 10000 ATMs spread across more than 1000 centers Unlimited free multi-city at par cheque books Unlimited free Pay Orders / Demand Drafts drawn at Axis Bank locations per quarter No commission charged on collection of outstation cheques drawn on Axis Bank locations Electronic Fund Transfer facility across all banks in India Internet Banking with secure fund transfer facility (with 2-factor authentication) to self and third party accounts 24x7 convenience at no charges with Axis Mobile Free SMS Banking with features such as alerts on debits / credits over Rs.5,000/- balance enquiry, enquiry on last 3 transactions and status of cheque clearance etc Free consolidated Quarterly statement in physical form and option of free monthly e-statements

Debit Card

Free Visa Priority Platinum Debit Card for primary accountholder with annual charges waived Unlimited free cash withdrawals on all ATMs (Axis Bank ATMs and Other Bank ATMs) Enhanced limit of Rs.1,00,000 on cash withdrawals Purchase transaction limit of Rs.1,50,000 in a day Nil Fuel Surcharge Lounge Access Reward Points Occasion based cash back offers Protection for self, family and assets

Personal Accident Cover of up to Rs.5 lakh on Visa Priority Platinum Debit Card, as per Bank's extant guidelines [With effect from 01.05.2011, to keep the personal accident insurance cover activated, the Cardholder should have made a purchase transaction in 90 days prior to the day of the incident and received salary credits in at least two of the three months preceding the date of the incident. A report would also have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card.] Zero Lost Card Liability on Debit Card: As an Axis Bank Debit Card customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing debit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number. Purchase protection: All consumer durable goods purchased using the debit card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase, eligible for a combined lost card liability and purchase protection of up to Rs.1,50,000. Life Insurance solutions in association with Max Life Insurance Co Ltd Benefits for the family

Easy access to cash with Visa Priority Platinum Debit Card for joint accountholder with no issuance charges. Annual charges of Rs.200 waived, subject to total purchase transactions in the year exceeding Rs.50,000 One zero balance savings account can be opened for a family member anywhere in the country In case of exigency

Overdraft facility with extended limit of 2/3 times of the net salary (average of 3 months) as per eligibility. This limit is capped at Rs.1,00,000 which is available for tenure of 12 months Preferential rates on Personal Loans, Auto Loans and Home Loans, as per eligibility criteria

4) WEALTH SALARY ACCOUNT Axis Wealth Privileges:


Exclusive premium service through Banking Privileges, Lifestyle privileges & Investment privileges Access to Premium Banking branches Dedicated Wealth Manager for all banking needs Convenience in banking:

Bank at any of our over 1600 branches and a network of over 10000 ATMs spread across more than 1000 centers Unlimited free multi-city at par cheque books Unlimited free Pay Orders / Demand Drafts drawn at Axis Bank locations No commission charged on collection of outstation cheques drawn on Axis Bank locations Electronic Fund Transfer facility across all banks in India Internet Banking with secure fund transfer facility (with 2-factor authentication) to self and third party accounts 24x7 convenience at no charges with Axis Mobile Free SMS Banking with features such as alerts on debits / credits over Rs.5,000/- balance enquiry, enquiry on last 3 transactions and status of cheque clearance etc Free consolidated Quarterly statement in physical form and option of free monthly e-statements Debit Card:

Free MasterCard Premium Debit Card for primary accountholder with annual charges waived Unlimited free cash withdrawals on all ATMs (Axis Bank ATMs and Other Bank ATMs) Enhanced limit of Rs.2,00,000 on cash withdrawals Purchase transaction limit of Rs.5,00,000 in a day Nil Fuel Surcharge Lounge Access Reward Points Occasion based cash back offers Protection for self, family and assets:

Personal Accident Cover of up to Rs.10 lakh on MasterCard Premium Debit Card, as per Bank?s extant guidelines [With effect from 01.05.2011, to keep the personal accident insurance cover activated, the Cardholder should have made a purchase transaction in 90 days prior to the day of the incident and received salary credits in at least two of the three months preceding the date of the incident. A report would also have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card.]

Zero Lost Card Liability on Debit Card: As an Axis Bank Debit Card customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing debit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number. Purchase protection: All consumer durable goods purchased using the debit card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase, eligible for a combined lost card liability and purchase protection of up to Rs.5,00,000. Life Insurance solutions in association with Max Life Insurance Co Ltd Benefits for the family:

Easy access to cash with MasterCard Premium Debit Card for joint accountholder with no issuance and annual charges One zero balance savings account can be opened for a family member anywhere in the country In case of exigency:

Overdraft facility with extended limit of 2/3 times of the net salary (average of 3 months) as per eligibility. This limit is capped at Rs.1,00,000 which is available for tenure of 12 months Preferential rates on Personal Loans, Auto Loans and Home Loans, as per eligibility criteria Terms & Conditions Savings Account under Salary power scheme is a special account offered to customers with regular direct salary credits coming into this account. In case, the monthly salary is not credited into the account for more than 3 consecutive months, the special features offered under the said Account stands withdrawn and the account shall be treated as Normal Savings Account under our standard charge structure and Average Quarterly Balance (AQB) is required to be maintained, and all charges shall be levied and applied as applicable to normal savings accounts. Moreover the Know Your Customer must be complied with as applicable to a Normal Savings Bank account and documents are to be submitted, failing which there would be a credit freeze marked on the said account. The features of Normal Savings Bank Account and charge structure is available on bank's website www.axisbank.com. You may please contact your nearest Axis Bank branch for further details.

5) DEFENCE SALARY ACCOUNT Axis Bank is proud to be the banking partner of the brave men and women who defend our nation. Especially for them, Axis Bank has created a salary account that understands their life in defence forces. Convenience in banking

Bank at any of our over 1600 branches and a network of over 10000 ATMs spread across more than 1000 centers Unlimited free multi-city at par cheque books Unlimited free Pay Orders / Demand Drafts drawn at Axis Bank locations No commission charged on collection of outstation cheques drawn on Axis Bank locations Electronic Fund Transfer facility across all banks in India Internet Banking with Fund transfer facility to self and third party accounts 24x7 convenience at no charges with Axis Mobile Free SMS Banking with features such as alerts on debits / credits over Rs.5,000/- balance enquiry, enquiry on last 3 transactions and status of cheque clearance etc Free Quarterly statement in physical form and option of free monthly e-statements Debit Card

Free Visa Classic Debit Card for primary accountholder with nil issuance and annual charges Unlimited free transactions on other banks ATM Enhanced limit of Rs.40,000 on cash withdrawals Purchase transaction limit of Rs.40,000 in a day Protection for self, family and assets

Personal Accident Cover of up to Rs.2 lakh on Visa Classic Debit Card [With effect from 01.05.2011, to keep the personal accident insurance cover activated, the Cardholder should have received salary credits in at least two of the three months preceding the date of the incident. A report would also have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card.] Zero Lost Card Liability on Debit Card: As an Axis Bank Debit Card customer, you will be insured for risk of loss due to fraudulent use of a lost or stolen or missing debit card. All you need to do is communicate the loss of your card by calling our 24-hour customer service number. Purchase protection: All consumer durable goods purchased using the debit card are insured against fire, natural calamity, burglary and housebreaking up to 90 days from the date of purchase, eligible for a combined lost card liability and purchase protection of up to Rs.40,000. Life Insurance solutions in association with Max Life Insurance Co Ltd

Benefits for the family


Additional add-on ATM card available for primary salary account Easy access to cash with Visa Classic Debit Card for joint accountholder with no issuance and annual charges In case of exigency

Overdraft facility of up to 100% of net monthly salary credited for PBORs and 200% of net monthly salary credited for Officers, at personal loan rates at Banks discretion. Maximum cap of Rs. 1 lakh with a tenure of 12 months Preferential rates on Personal Loans, Auto Loans and Home Loans, as per eligibility criteria

Documentation Following documents are required:

Introduction by the company for employee bonafides in the Bank's format (Stamped and Signed by the authorized signatory) Proof of Photo Identification

PAN Card Passport Election Card Government / Defence services / Public Sector undertaking / Photo-identity Card Driving Licence Proof of Address (Any one document)

Telephone / Mobile / Electricity Bill. Any connection to be at least 6 months old preferably in the name of the account holder / spouse / family member. Ration Card Gas connection registration letter Income tax / Wealth tax assessment order Registered lease / leave and licence agreement with a utility bill in the name of the landlord Joint Accounts For joint accounts the above documents are required for both, the applicant as well as the joint applicant(s).

DEBIT CARDS

1) PRIORITY PLATINUM DEBIT CARD


Know your Priority Platinum Debit Card
Card Platform Issuance Fess - Primary/Joint Annual Fees ATM Withdrawal Limit (Per Day) POS Limit per day Lost Card Liability Personal Accident Insurance Cover Airport Lounge Access Fuel Surcharge Reward Points Axis Bank Priority Platinum Debit Card Offers Premium - VISA Platinum Nil Rs. 200 (subject to waiver if Annual POS spend of Rs 50000 or more) Rs. 1 lakh Rs.1.5 lakhs Rs.1.5 lakhs Rs. 5 lakhs Yes Zero at all petrol pumps 1 point /Rs. 100 + 3 points on international spend Across premium brands refer special offer section.

*To avail of the insurance cover, a report would have to be made to Axis Bank within 60 days of a personal accident or 30 days of loss of card. The insurance cover would be activated if you have made at least one POS transaction within 3 months prior to the date of the mishap #Conditions apply - Refer Terms & conditions of Priority Platinum Debit Card Note: It is mandatory to get the Axis Bank Debit Card registered to Verified by Visa / MasterCard SecureCode in order to transact online. For more information on Verified by Visa / MasterCard SecureCode, click here

2)

DD/PO 1 Free per month (Drawn on Axis Bank Centres) `2.50 per 1000 or part thereof (Min. `50 and max. `10,000) DD (Drawn on other Centres) `2.50 per 1000 (Min. `50), plus other bank charges as applicable Cheque book No default cheque book; `5 per leaf in case of issuance Outward clearing cheque return `100 per instrument Inward clearing cheque return `350 per instrument ECS Debit Return `200 per return

Outward NEFT Charges Up to `10,000: `2.50 per transaction `10,001 to `1lakh: `5 per transaction `1,00,001 to `2 lakhs: `15 per transaction Above `2 lakhs: `25 per transaction Outward RTGS Charges `2 lakhs to `5 lakhs: `25 per transaction Above `5 lakhs: `50 per transaction