All Axis Bank customers holding Savings, NRI (including NRE and NRO) and Inaam account are eligible to be a part of EDGE REWARDS  program except customers holding Corporate and Government Trust Savings Account, no frills and Basic Savings Account. Eligibility criterion will be reviewed from time to time. Only customers in good standing and with no amounts overdue will be eligible for EDGE REWARDS  program.

To earn points on Family Banking transactions, the primary member has to hold a Savings Account - Prime and above, whereas other family members added by the primary member, can hold any Savings Account with the exception of Corporate and Government Trust Savings Account, no frills and Basic Savings Account. The primary account holder can add up to 3 more members in Family Banking program.

The following Current account holders are eligible to be a part of this program:

*The earns for Priority Business Account (CAPBG) holders is applicable from 1st February 2017.

The Current Account customers will earn points only on the products as mentioned above in the table.

Effective 16th January 2015, Current Account customers do not need to have a Current Account – Debit Card to be eligible for the program. The Current Account customers will earn points only on the products mentioned in the above table, and transactions specified in the ‘Earn Points’ section for Current Account

The following Current Account – Debit Card holders are eligible to be a part of this program:

• Business Platinum Debit Card

The following card holders are eligible to be a part of this program:

The Member can login using the Mobile Banking/internet Banking credentials.

The Member is required to set up a Username and Password as part of the registration process. In case the member forgets the Username, he can login using his Customer ID.

Login using Net Banking Credentials.

While registering on EDGE REWARDS  website, the registration page for EDGE REWARDS  program would have a dropdown box asking for product details such as ‘Savings Account details’, ‘Debit card details’, and ‘Credit card details’. The customer can choose to register using any of these products and providing the relevant details. w.e.f April 2018 login via edge rewards have been discontinued.

a) Access through Internet Banking:

• i) Members can access the program by logging on to the Axis Bank website. Post login, select EDGE REWARDS  on the Account Summary page and then accept the program Terms and Conditions to redeem their points.

Please note,Current Account customers will not be able to access the EDGE REWARDS  program via this feature

b) Access through Axis Mobile:

• i) Members can login to the Axis Mobile.
• ii) Select EDGE REWARDS  from the menu.

c) Access through EDGE REWARDS  website:

• i) Login using Net Banking Credentials.
  
  While registering on EDGE REWARDS  website, the registration page for EDGE REWARDS  program would have a dropdown box asking for product details such as ‘Savings Account details’, ‘Debit card details’, and ‘Credit card details’. The customer can choose to register using any of these products and providing the relevant details. w.e.f April 2018 login via edge rewards have been discontinued.
• ii) Once the product has been selected, the member needs to register online using his Customer ID, Name as embossed on his Debit / Credit Card, Savings Account Number and Date of Birth as per bank records to activate the account and start using the reward points and other program benefits.
• iii) Current Account customers will also be able to register through the website by selecting ‘Current Account details’ in the drop down menu. Once the product has been selected, the member needs to register online using the Customer ID, Current Account Number, Account Name – used to open the Current Account.

d) Access through Call Center

• i) Customers can access the program by calling the call centers at 1860-419-5555 or 1860-500-5555.

e) For e-Voucher redemptions on EDGE REWARDS  website, relevant communication will be sent to the Bank registered email address only.

f) Email address provided during the registration process will be treated as the email address specific to the EDGE REWARDS  program and the member will receive all program related email communications on this email address. The email address provided would be used only for loyalty related communication and would not impact / update his / her bank registered email address.

g) It is the sole responsibility of the member to activate the account online. Axis Bank will not be responsible for activation of the accounts.

h) EDGE REWARDS  members will benefit from special offers, promotions and privileges which may be provided by Axis Bank and their partners from time to time. Membership is subject to the program eligibility criteria and conditions (including annual points accrual limits) as determined by Axis Bank. Axis Bank reserves the right, at any time and without notice, to impose a validity period on membership.

i) Membership in EDGE REWARDS  program is non-transferable.

j) In case of joint or multiple holders of EDGE REWARDS  relationship, all authorized signatories will be automatically enrolled in EDGE REWARDS  program; however, the use and redemption of the points shall only be available to the primary EDGE REWARDS  relationship signatory as identified in Axis Bank records and is limited, as described in these Terms & Conditions. However, each EDGE REWARDS  account holder will accrue points, within the program purview, with respect to his or her related accounts or services and the same will be credited to the EDGE REWARDS  account.

k) Accounts are identified by the Customer Identification Number (Customer ID) of the primary signatory as established by the customer records maintained by Axis Bank.

l) In case an account signatory(ies) or a supplementary account holder(s) is/are removed from the qualifying EDGE REWARDS  relationship, then such signatory(ies) or supplementary account holder(s) is/are no longer eligible to participate in EDGE REWARDS  program.

m) Axis Bank reserves the right to withdraw/ discontinue any individuals membership in EDGE REWARDS  program and revoke any accrued points.

n) Membership in EDGE REWARDS  program is automatically terminated upon death or bankruptcy of the primary EDGE REWARDS  relationship-holder

o) Upon membership termination, all points accrued in the EDGE REWARDS  account (as defined below) shall expire immediately and the membership gets closed.

• Axis Bank shall determine, from time to time, at its discretion, which EDGE REWARDS  relationships or which Axis Bank Card/Bank transactions are eligible for inclusion/exclusion in the EDGE REWARDS  program and how many EDGE REWARD  Points to be earned and on what basis.
• Axis Bank will also determine from time to time the number of EDGE REWARD  Points required for redemption of any reward. A member must be a customer in good standing, having earned a minimum number of EDGE REWARD  Points (currently 300 points) to be eligible for redemption.
• In case of a reversal of any eligible transaction, EDGE REWARD Points credited to the EDGE REWARDS  account as a result of such eligible transaction will be deducted from the accrued EDGE REWARD  Points balance.
• EDGE REWARD  Points may be earned only as per the terms determined by Axis Bank. More specifically, during a promotion, special offer, cash-back or black-out period, Axis Bank may decide to disallow the earning of EDGE REWARD  Points on already discounted transactions.
• Expiry will run at every last day of the month. It will not run on daily basis.
• Points are earned for each of the EDGE REWARDS  relationships or eligible transaction subject to the EDGE REWARD  Points earning criteria and no EDGE REWARD  Points shall be awarded retroactively. An indicative but not necessarily complete list of exceptions to earnings of EDGE REWARD  Points per type of EDGE REWARDS  relationship or eligible transactions is provided in Schedule A.
• The Current Account customer will only earn points on transactions specified in the earn rules for Current Account customers, on holding the eligible Current Accounts mentioned above in the eligibility criteria. Effective 16th January 2015, Current Account customers do not need to have a Current Account – Debit card to be eligible for the program.
• All customers under “Axis Active Program” are eligible to earn EDGE REWARD  Points subject to following terms and conditions. This whole arrangement shall hereinafter referred to as the “program”.
• Customer will only earn max 500 points on the weekly Step Cutoff goal of 70,000 stepsAxis Bank shall determine, from time to time, at its discretion, which EDGE REWARDS  relationships or actions are eligible for inclusion/exclusion in the EDGE REWARDS  program and how many EDGE REWARD  Points to be earned and on what basis.
• Points earned through eligible earn actions will be credited to the customer’s EDGE REWARDS  account by 7 working days of the following week.
• The customer can view these points under the ‘Earn Summary’ Tab on the program website https://edgerewards.axisbank.co.in/lms/ or call the Axis Bank call center number: 1860-419-5555, 1860-500-5555.
• All redemptions will be fulfilled using the customer’s Bank registered email ID only. This could be, but not restricted to the email ID registered with EDGE REWARDS  program.
• The above T&C’s are in addition to the EDGE REWARDS  program T&C’s mentioned herein https://edgerewards.axisbank.co.in/lms/terms-conditions.
• The above program is subject to changes from time to time as per the policy of the Axis Bank Ltd and Axis Bank at its sole discretion has the right to amend the above conditions and eligibility norms during the currency of this facility.
• Portfolio Investment Scheme (PIS) account allows NRIs to invest in shares of Indian companies under repatriation or non-repatriation basis.
• Points will be applicable for the NREPI & NROPI.
• Customer will earn max 20 points for the trade date.
• The customer can view these points under the ‘Earn Summary’ Tab on the program website.
• Points are calculated by rounding down the transaction value to the nearest integer and as per the criteria set for each Axis Bank product. For example, if the transaction value is Rs. 259 it will be rounded down to the nearest integer Rs. 200 for purpose of calculating points.
• EDGE REWARD  Points are not assignable and cannot be pledged.
• In case of a change to the status of the EDGE REWARDS  relationship (such as an upgrade or downgrade thereof), the EDGE REWARD  Points calculation may be adjusted according to the revised status of the EDGE REWARDS  relationship.
• EDGE REWARD  Points are valid for a period of three (3) years, starting from the day of the month on which the EDGE REWARD  Points are earned. For example, if a member has earned EDGE REWARD  Points on 10th January 2013, the EDGE REWARD  Points shall be valid for redemption till 10th January 2016. Unless used prior to the expiration date, the EDGE REWARD  Points shall expire on such date.
• Effective 01st May, 2016, all EDGE REWARD  Points earned by customers on or before 01st May, 2013 will stand lapsed. As your EDGE REWARD  Points have a validity of 3 years, the points will expire automatically after a lapse of 3 years from the date of allotment. This is in accordance with the terms and conditions of the program. To know your EDGE REWARD  Point balance, log on to Internet Banking/ Mobile App or edgerewards.axisbank.co.in.
• EDGE REWARD  Points will also expire in case of no earn transaction on the EDGE REWARDS  account in a period of 365 days.
• Upon expiration, unused EDGE REWARD  Points will be removed from the EDGE REWARDS  account as of the expiration date and cannot be re-credited. It is the EDGE REWARDS  account holder's responsibility to be aware of both the number of EDGE REWARD  Points in his account and their expiration date.

• All the spends done under the Program purview shall be eligible to earn EDGE REWARD  Points except what will be excluded by Axis Bank from time to time. Presently such exceptions include:

   o Balance transfers
   o Cash advances
   o Any onus transactions
   o Financial charges (e.g; late payment fee, dishonoured cheque charges, service fee, transaction charges)
   o Disputed transactions
   o Any purchases made at petrol pumps/ service stations
   o Payment of enrolment fee for the program (If any)
  

• Redemption of EDGE REWARD  Points/EDGE Miles  is subject to:

   o Axis Bank approval and terms & conditions as relevant to the reward.
   o Availability of the reward at the time of redemption request.
   o Restrictions imposed by any supplier or issuer of the reward.
  
• Whenever deemed necessary, Axis Bank may, without notice, cancel the EDGE REWARD  Points/EDGE Miles  order or substitute the reward with another, of comparable nature and value, as determined by Axis Bank.
• Axis Bank reserves the right to introduce new products and replace the existing ones at any point in time without prior intimation to the member.
• Additional terms & conditions for each reward shall be set forth in the gift vouchers issued to the member.
• Only customers having active EDGE REWARDS  relationships can request for redemption of points.
• The EDGE REWARD  Points/EDGE Miles  accrued can only be redeemed by the primary relationship-holder, and not by an additional account holder.
• Physical rewards redeemed will be delivered at addresses registered with Axis Bank and in India only, unless stated otherwise in the reward / product description.
• All e-Vouchers redeemed within the premises of the program will be redeemable only in India at the respective brand unless explicitly specified otherwise.
• The points cannot be exchanged for cash or credit or be used to obtain cash advances, or be used against payment for any charges incurred in the EDGE REWARDS  relationship.
• Redeemed rewards are not exchangeable for other rewards or refundable, replaceable or transferable for cash or credit under any circumstances, nor can these be re-converted back to EDGE REWARD  Points/EDGE Miles.  Once exchanged for another partner loyalty program, if any, EDGE REWARD  Points/EDGE Miles  cannot be transferred back.
• Axis Bank makes no warranties or representations either expressed or implied, with regard to the type, quality or fitness of the gifts provided through the EDGE REWARDS  program. Gifts will be accompanied by warranty information wherever applicable from the manufacturer and claims must be directed to the manufacturers directly.
• Axis Bank does not accept responsibility for the quality of goods or services provided by the merchant establishments participating in the EDGE REWARDS  program. All disputes in this regard shall be taken up directly by the member with the participating establishment.
• Any additional costs incurred in connection with redemption of any reward shall be the sole responsibility of the member.
• Issuance of a redemption certificate for dining, travel or hotel accommodation does not constitute a reservation. The member is responsible for making all reservations and notifying the participating merchant establishments of the reward(s) he/she is going to redeem.
• Other Axis Bank benefits, which are activated by use of the EDGE REWARDS  relationships, do not apply to goods or services received as rewards under the Program.
• Axis Bank may suspend redemption of points where the Axis Bank Credit Card account is not in good standing (overdue or in collection).
• Axis Bank shall in no event be responsible or liable for the product and/or services redeemed from the EDGE REWARD  Points/Miles, in any manner whatsoever including but not limited to any defect or deficiency in, or in respect to any claim arising out of non-use or use of the points, or in usage of redemption certificate for dining, travel or hotel accommodation or in usage, durability of any product/service acquired by redemption of points.
• Availability of stock and pricing for any reward in the EDGE REWARDS  catalogue is subject to change. In case of failure to redeem owing to a technical or network issue, Axis Bank will not be liable for said change in the availability of stock or pricing in the interim period.
• Effective 10^th September 2022, a nominal redemption fee will be charged to your Axis Bank Cards / Saving account on redemption of EDGE REWARD  Points/Miles for Reward Store (Physical Products/ e-Vouchers), at Point of Sale (POS) partner store and Travel EDGE transactions.
  Click here to know more on redemption fee policy update.
  
  Redemption Fee charged to the customers for Products and Vouchers (or a combination of both in a particular order) will be as follows: -
  

  Number of EDGE REWARD   Points/EDGE Miles  Redeemed	Redemption Fee
  300 points - 10,000 points	₹ 49 plus GST
  10,001 points and above	₹ 99 plus GST

  
  Redemption Fee charged to the customers for redemption on Point of Sale (POS) at merchant partners (Including redemption at Indian Oil Petrol Pumps) will be as follows: -
  

  Number of EDGE REWARD  Points/EDGE Miles  Redeemed	Redemption Fee
  300 points - 10,000 points	₹ 49 plus GST
  10,001 points and above	₹ 99 plus GST

  
  
  

Delivery of Rewards redeemed from ‘Rewards Store’

The requested gift(s)/gift vouchers & products will be delivered as per the below mentioned delivery timelines




• Instant e-Vouchers will be delivered to your bank registered email id, instantly. In case of unforeseen situations it will be delivered maximum within 24hours. If the Instant e-Vouchers are not delivered in your mail box within 24 hours, please call our Customer Service Number at 1860-419-5555, 1860-500-5555. Instant e-Vouchers once redeemed cannot be cancelled.

• Vouchers to be used abroad by NRI customers will be delivered within 3 working days.

• All other products including multiple reward redemptions will be delivered in 9 working days for Metro* cities and in 9-13 working days for Non-Metro cities.

• Products couriered through Speed Post will be delivered in 21 working days.

• E-voucher is sent from the edgerewards@axisbank.com to your registered e-mail ID.

*Cities covered under metros: Delhi, Noida, Gurgaon including NCR region, Mumbai, Vashi, Thane, Chennai, Kolkata, Bengaluru, Pune, Hyderabad, Secunderabad, Ahmedabad, Chandigarh, Jaipur, Indore.

• If the redeemed instant e - vouchers / e- vouchers / gift vouchers / products) are not received as per the stipulated delivery timelines mentioned above , then the member needs to intimate Axis Bank for non-receipt within 30 days from the date of redemption.

• Axis Bank is not liable for any delay or loss in delivery of the gift(s)/gift vouchers.

• a. Physical Rewards redeemed shall be dispatched only at the address registered with Axis Bank and within India only unless stated otherwise in the reward / product description, and in case of e-voucher, it will be sent on the Axis Bank registered email id. Select products from the NRI catalogue can be redeemed and used at the respective brand outlets outside India. In case the member has changed his address recently, he would need to visit the nearest Axis Bank branch to request for a change in address. The same holds true in case a change has to be made in the email id registered with the bank. Only after the member receives a confirmation on change of address should he place a request for redemption of EDGE REWARD  Points/EDGE Miles . Under no circumstances would the gift/reward be delivered to any address other than the Axis Bank registered address(es).

• b. Delivery will be made only against written acknowledgement of receipt of the gift/reward by any occupant at the registered address. Such acknowledgement shall be deemed to be acknowledgement of the member.

• c. No dispatch shall be made to P.O. Box addresses or to addresses outside India.

• d. Axis Bank or a third party service provider such as a courier company shall make three attempts to deliver the gift/reward ordered to the registered address. If the gift/reward is not delivered after three attempts, the redemption order stands cancelled and the EDGE REWARD  Points/EDGE Miles  shall be returned / credited to members account as per due process.

• e. Customer details like name, address, mobile number will be shared with vendor for dispatch and delivery of product through courier.

• f. If a gift/reward received is damaged, and

• • i. If the damage is evident from the condition of the packaging, the member should refuse to accept the shipment and obtain a refusal note from the courier company and inform our customer care center within 3 days of receipt of the gift.
  
  
  • ii. If the damage is discovered after opening the package, the member should keep all packaging materials and cartons intact and return all the material to the Manager, Customer Service - Credit Cards. If the returned goods are found by Axis Bank to be defective or not to comply with the description in the EDGE REWARDS  Catalogue, Axis Bank shall endeavor to procure replacements for the items and if not, shall credit the EDGE REWARD  Points/EDGE Miles  back to the member’s account. The member shall thereafter have no claim whatsoever against Axis Bank.
  
  
  • iii. In case of receipt of damaged, defective or deficient goods, the member should intimate the same to Axis Bank customer service within 3 working days of receipt of gift/reward. However, in case of failure to do so, the reward shall be considered as accepted and member’s request shall not be entertained.
  
  
  • iv. In case of receipt of incorrect or invalid vouchers, the member should intimate the same to Axis Bank customer service within 3 working days of such receipt. However, in case of failure to do so, the vouchers shall be considered as valid and accepted and member’s request shall not be entertained.
  
  

Points Plus Pay

• ‘Points Plus Pay’ feature allows member the option to redeem rewards using a combination of EDGE REWARD  Points/EDGE Miles  and cash payment through Axis Bank Credit/ Debit card, subject to a minimum number of 300 EDGE REWARD  Points/EDGE Miles.

• ‘Points Plus Pay’ can be used for products displayed in ‘Rewards Store’ with the exception of instant e-vouchers.

• Payment of cash using ‘Points Plus Pay’ feature will only be allowed using Axis Bank payment gateway

• A minimum redemption of 300 EDGE REWARD  Points/EDGE Miles  is applicable to use ‘Points Plus Pay’ feature

• Cash payment can be made only using Axis Bank Credit/Debit card

• On cancelation of rewards redeemed, the points and cash will be refunded in 15 working days. In case there is an error while redeeming the rewards, the points will be refunded in 1 hour and cash will be refunded in 7 working days.

• If the member doesn’t cancel the order but raises a charge back on the cash payment done with Axis Bank, then it is the bank’s discretion to allow or reject such requests.

PIN Code Serviceability Check

• The PIN Code Serviceability check is an indicative delivery schedule of the rewards redeemed and to be delivered at your address.

• The number of days displayed to deliver the rewards redeemed are approximate timelines based on delivery schedules of courier companies

• Rewards redeemed will be delivered to the Bank Registered mailing address only, irrespective if any other PIN Code is being used for the PIN Code Serviceability check.

• Axis Bank and its partners make their best attempt to ensure timely delivery of reward to the customer – however Axis Bank is not responsible for delays due to courier or logistics companies.

SMS Based Redemption

These Terms and Conditions (“Terms”) shall be applicable to the Credit Cardholders (as defined hereinafter) and shall regulate the provisions of the specified products and services provided by Axis Bank Ltd. (“Axis Bank” or “Bank”) Any Credit Cardholder using a Credit Card (as defined hereinafter) shall be deemed to have read, understood, and accepted these Terms and these Terms shall be in addition to and not in derogation of other applicable terms and conditions of any account or any other facility / services offered by the Bank and / or such other terms and conditions as may be specified by the Bank.

Definitions: The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

Detailed Terms and Conditions

• 1. SMS Based Redemption is an instant rewards redemption option that allows the Cardholder to redeem EDGE REWARD  Points / EDGE Miles  against the eligible transaction basis the available EDGE REWARD  Points / EDGE Miles  balance in the Credit Card.

• 2. SMS Based Redemption is applicable to select Axis Bank Credit Cardholders.

• 3. SMS Based Redemption is applicable only on the eligible transactions performed by Cardholder on his / her Axis Bank Credit Card.

• 4. Eligible merchant & merchant category code refer to the Merchants & Merchant category code selected by Axis Bank where Cardholder will get an option for SMS Based Redemption.

• 5. Merchants & Merchant Category Codes which are eligible for this redemption program are mentioned in the below table:

Please note, IKEA Card holders are eligible for redemption at IKEA stores (including online) at conversion of 1 point = INR 0.2.

• 6. Cardholder will get Full redemption or Partial redemption option based on the below-mentioned grid:

Please Note: The minimum transaction amount specified in the above table is based on a minimum threshold of 300 Axis Bank EDGE REWARD  Points or EDGE Miles .

*Partial redemption is allowed for lower of transaction amount or available equivalent reward points. For transaction greater than INR 2 lakhs, reward redemption can be done for Axis Bank EDGE REWARD  Points / EDGE Miles  worth up to INR 2 Lakhs only.

**Redemption at IKEA is applicable for IKEA Card holders only.

• 7. The SMS Based Redemption is applicable to the eligible card transactions incurred at above select Merchant Category Code and / or Merchant(s) and subject to Cardholder’s available Axis Bank EDGE REWARD  Points / EDGE Miles  at the time of transaction. Cardholder will receive an SMS text instantly after an eligible transaction is performed, inviting the Cardholder to redeem the Axis Bank EDGE REWARD  Points / EDGE Miles  in full or in part of the eligible transaction amount charged to Cardholder’s Axis Bank Card using the available EDGE REWARD  Points / EDGE Miles . The SMS will be sent to Cardholder’s mobile number registered with Axis Bank. Cardholder will receive instant SMS only if the Cardholder has performed an eligible transaction and has sufficient available Axis Bank EDGE REWARD  Points / EDGE Miles  at the time of such eligible transaction.

• 8. Link received in SMS will be valid for 24 hours for all eligible merchant categories. However, the Cardholder is suggested to redeem when the SMS is received. By clicking on the link, Cardholder will be routed to an Axis Bank’s screen where Cardholder will be informed about the Card holder available Axis Bank EDGE REWARD  Points / EDGE Miles  balance on Axis Bank Credit Card (“available points / miles balance”) and the maximum number of Points / Miles that will be deducted from available points / miles balance if the Cardholder wishes to pay for the eligible transaction in full using available points / miles balance (maximum Points / Miles redemption). Further, the Cardholder will be invited to redeem any number of available points / miles balance up to the maximum Points / Miles redemption or Cardholder’s available points / miles balance (whichever is lower), to pay for their eligible transaction.

• 9. On redemption, the Axis Bank EDGE REWARD  Points / EDGE Miles  redeemed will be automatically subtracted from the accumulated Axis Bank EDGE REWARD  available balance in Axis Bank EDGE REWARDS  Account.

• 10. If the Points / Miles redemption is successful, the amount of the eligible transaction redeemed will be shown in the unbilled section of the Credit Card in 4 working days. Successful redemption pop-up will be visible on mobile screen on completion of redemption journey and Axis Bank EDGE REWARD  Points / EDGE Miles  will be debited from the EDGE REWARDS  Account.

• 11. While performing redemption through SMS received, if the EDGE REWARD  Points / EDGE Miles have been debited and equivalent cashback is not credited in 4 days, the EDGE REWARD  Points / EDGE Miles  will be reversed to Cardholder’s account in 10 working days.

• 12. Cashback for eligible transactions will be credited within 4 working days.

• 13. Cardholders are eligible for only one redemption via SMS per day, regardless of the number of transactions made at the eligible merchant.

• 14. Once the redemption request has been submitted, the redemption cannot be reversed, cancelled, or changed and the redeemed points / miles balance used in the redemption cannot be transferred back to available points /miles balance.

• 15. In case of Merchant disputes, and in the event that a transaction is reversed by the Merchant, the transaction amount of the transaction will get credited back. However, EDGE REWARD  Points / EDGE Miles  used to pay for the transaction, will not be credited back to Axis Bank EDGE REWARDS  Account.

• 16. Inquiries with regards to the goods and / or services purchased or redeemed under the Points / Miles redemption transaction shall be directed to the respective merchant.

• 17. Should you have any queries, please call us on <18604195555> / <18605005555> (charges applicable) or <18001035577> (toll-free).

Redemption at Merchant Stores/ Outlets:

• The minimum bill value should be greater than Rs.300.

• Points only Redemption: For redemption of your EDGE REWARD  Points / EDGE Miles  against the bill value of your purchases made at participating Outlets/Merchants, Re. 1/- will be debited from your Credit/Debit Card and remaining bill value will be paid using your EDGE REWARDS , basis your request.

• Minimum EDGE REWARD  Points / EDGE Miles  required for redemption at partner outlets is 300.
• EDGE REWARD  Points / EDGE Miles  redemption at Outlets/Merchants is restricted only to Edge Eligible Axis Bank Credit and Debit cards.
• The facility of redeeming EDGE REWARD  Points / EDGE Miles  for purchases at participating outlets/ merchants is available on select Credit Cards only. For the complete list of Credit Cards on EDGE REWARDS  program, please visit edgerewards.axisbank.co.in. Kindly note, this offer is not applicable currently on Axis Bank Atlas Credit Card.
• The list of participating outlets/ merchants is subject to change and will be updated on EDGE REWARDS  website from time to time.
• Axis Bank reserves the right at any time, without prior notice, to add / alter / modify / change or vary all terms & conditions or to replace wholly, or in part, the Offer by other offers, whether similar to this facility or not, or to withdraw it altogether.
• In case the card member cancels the purchases made at the participating outlets/ merchants, the corresponding refund will be governed by the terms and conditions of the participating outlets/ merchants.
• For cancelled transactions, EDGE REWARD  Points / EDGE Miles  will not be credited back. However, a credit note/ gift voucher will be provided by the merchant/ outlet of equivalent value. Cashback will not be applicable for this facility at the merchant store.
• Axis Bank will not entertain any cancellation request for EDGE REWARD  Points / EDGE Miles  redemption while availing this facility at the merchant store.

The facility of redeeming EDGE REWARD  Points / EDGE Miles  for purchases is available at participating merchant outlets/ stores ONLY, and not on the merchant website.

• This facility is solely brought to you by the participating outlets/ merchants and Axis Bank holds no warranty and is not representative of the delivery, services, suitability, merchantability, availability, or quality either of the facility or the products/ services availed by you from the participating outlets/ merchants by the means of this facility.
• Axis Bank reserves the right to extend or terminate this facility without prior notice. Any disputes regarding delivery, service, suitability, merchantability, availability, or quality of the products/services availed from the participating outlets/ merchant by means of this facility must be addressed in writing, by the Credit Card customer directly to merchant. Axis Bank shall not entertain any communication in this regard.
• Axis Bank shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be suffered, to a card member, directly or indirectly, by use or non-use of products/services availed from the participating outlets/ merchants by the means of this facility.
• Delivery of goods and services ordered through participating outlets/ merchants will be governed by terms & conditions of the participating outlet/ merchant and Axis Bank will not be liable in case of any disputes.
• For details on the terms and conditions of participating outlets/ merchants, Credit Card customer can visit the official website of the participating outlets/ merchants. These terms and conditions are in addition to the terms and conditions on EDGE REWARDS  program as agreed upon by Credit Card customer with Axis Bank.
• Payment of fees/service charges/all other amounts due from a Credit Card customer to Axis Bank from usage of the Credit Card on using this facility and/or otherwise will be governed by the detailed Credit Card terms & conditions.
• Axis Bank may suspend redemption of points where the Credit Card account is not in good standing (overdue or in collection).
• These Terms and Conditions shall be governed by the laws of India and the parties to submit to the exclusive jurisdiction of courts of Mumbai.
• The Offer is subject to applicable law and regulations and would be modified / discontinued based on the prevailing law / regulation at any point of time and neither party shall be under any liability or obligation or continue implementation of the said Offer till such time the terms are modified by the Parties as per the prevailing/ amended law at that point of time. In the event, that the Offer cannot be continued without total compliance of the prevailing law at any point of time, this Offer shall be deemed to be terminated forthwith from the date when the amended law restricting / prohibiting the Offer comes into force.
• All other terms & conditions of Axis Bank & related products apply.

Definition:

• 'EDGE REWARD  Points / EDGE Miles': Reward points which an Axis Bank Customer earns on transactions undertaken across banking relationship with Axis Bank, as defined in EDGE REWARDS  program.

• 'Credit Card Customer’: A person who holds Credit Card which is issued by Axis Bank Limited.

• 'Debit Card Customer’: A person who holds Debit Card which is issued by Axis Bank Limited. “Merchant” shall mean the business/organization from whom the customer purchases goods and services through such merchant’s website or any third-party website.

• A record of EDGE REWARDS  activity for each relationship will be mailed (electronically in the form of a statement to the EDGE REWARDS  relationship-holder or primary signatory thereof by Axis Bank, on a regular basis, to those who have provided their email id to Axis Bank. EDGE REWARD  Points shall be transferred on a periodic basis from the Axis Bank relationship into the account (the “EDGE REWARDS  account”) for the purpose of accruing points and all the EDGE REWARD  Points shall accrue and expire as described in the terms & conditions stated here and the terms & conditions contained in the statement. An EDGE REWARDS  member can access the transactions for the last three months online at https://edgerewards.axisbank.co.in/lms/
• Any discrepancy on the statement must be reported to Axis Bank within fourteen (14) days of the statement date, and such reporting is subject to the terms & conditions contained herein and in the statement.

• Fraud and/or abuse relating to earning and redemption of EDGE REWARD  Points in the program shall result in forfeiture of the EDGE REWARD  Points as well as termination and cancellation of the EDGE REWARDS  membership.
• Information supplied by a member on redemption of rewards may be used by Axis Bank for administrative and/or marketing purposes, without procuring any permission, written or otherwise, from the member.
• All communication related to EDGE REWARDS  will be sent on the email ID registered on the EDGE REWARDS  website only.
• By giving us the registered email ID, the member provides Axis Bank the permission to send communication and promotional offers related to the EDGE REWARDS  program on the registered email ID. Please note: The registered email ID for the EDGE REWARDS  program may or may not be the registered email ID with Axis Bank. The EDGE REWARDS  registered email ID will not be updated on the Axis Bank records.
• Any taxes or other liabilities or charges payable to the Government or any other authority/ body or any other participating merchant establishment which may arise or accrue to a member on redemption of EDGE REWARD  Points as aforesaid or otherwise shall be to the sole account of the member.
• EDGE REWARDS  program does not in any way amend the Agreement between Axis Bank and the member regarding any product, purchased by the member and mentioned within the EDGE REWARDS  relationship and any term referenced, but not defined herein, may be interpreted in accordance with the agreement entered between the member and Axis Bank (the “member agreement”). Notwithstanding anything contained herein, in the event there is any contradiction between these Terms & Conditions and the member agreement, then terms of member Agreement shall prevail.
• EDGE REWARDS  program acts in good faith in response to any oral or electronic instruction or inquiry by the member in respect of any matter in relation to this program and the fulfilment of any reward, the member shall not be entitled to claim or allege any loss, damage, liability, expense, etc. attributable, directly or indirectly, to any such good faith action of Axis Bank and the member shall indemnify and hold Axis Bank fully harmless in respect thereof.
• All queries in relation to the EDGE REWARDS  program should be addressed to 1860-419-5555, 1860-500-5555.
• For NRI customers, the toll free numbers are: USA 1855 205 5577, UK - 0808 178 5040, Singapore 800 1206 355, Canada 1855 436 0726, Australia 1800 153 861, UAE 8000 3570 3218, Saudi Arabia 800 850 0000, Qatar 00 800 100 348, Bahrain 800 11 300. Non-toll free number to India - +91-40-6717-4100.
• Credit Card and Debit Card customers can write to us at creditcards@axisbank.com & debitcards@axisbank.com respectively.
• One of the conditions on which EDGE REWARDS  has agreed to allow the member to participate in the Program is that he/she confirms and accepts the Terms & Conditions as herein contained.
• EDGE REWARDS  makes no representation and provides no warranty whatsoever, expressed or implied and undertakes and assumes no liability whatsoever, in respect of the quality or merchantability of any reward or the suitability or fitness thereof for any use or purpose. All EDGE REWARDS  shall be accepted by the EDGE REWARDS  relationship holder at his/her own risk.
• Axis Bank is not responsible for disputes involving EDGE REWARD  Points, rewards or any other aspect of this program between joint signers of the account. Any personal liability arising out of the receipt or use of the program, or the EDGE REWARDS  relationship is solely the member’s responsibility.
• The EDGE REWARDS  program is subject to applicable law and regulations and would be modified / discontinued based on the prevailing law / regulation at any point of time and neither party shall be under any liability or obligation or continue the program till such time the terms are modified by the bank as per the prevailing/ amended law at that point of time. In the event, that the program cannot be continued without total compliance of the prevailing law at any point of time, program shall be deemed to be discontinued forthwith from the date when the amended law restricting / prohibiting the program comes into force.
• EDGE REWARDS , India’s only true bank wide loyalty program, has been adjudged as winner of Best Rewards Program, for the 3rd time in a row, at the 10th Loyalty Summit Awards 2017, which is the most prestigious Loyalty Forum in the country, instituted by Kamikaze B2B media India. The program also won awards for the Best Use of Mobile and Best Use of Partnership in Loyalty.

i. The event gets together leading B2C brands across all verticals durables, non-durables, retail, travel, financial services, healthcare, telecom to showcase innovation in customer engagement, analytics and customer experience.

ii. EDGE REWARDS  was honored with the 3 awards from amongst some of the best global brands in the service sector, adjudged by a panel of eminent jurists.

iii. We have received these awards 3 years in a row. It is an affirmation of our steadfast commitment towards our customers.

• Axis Bank will never ask for your Credit/Debit card number, CVV number, UPI ID, OTP, Internet Banking PIN, account password or ask you to download any third party app. Please do not share these details with anyone impersonating as a representative from the bank or offering a reward point redemption, expiry of points, etc.
• Please do not respond to emails asking for your account or contact details.
• If in case you notice a fraudulent transaction on your account, please reach out to us on axisbank.com/support or call our customer care on 1860-419-5555,1860-500-5555.
• You can check your EDGE REWARD  Point balance by giving a missed call on 1800-419-6622 or SMS 'EDGEBAL' to 5676782.

• In the event of a breach by an EDGE REWARDS  relationship-holder of these terms & conditions or of any applicable provisions in any policy incorporated by reference herein, or in the event of failure on part of an EDGE REWARDS  relationship-holder to pay for any outstanding / dues within the prescribed time set by Axis Bank or for any other reason whatsoever, Axis Bank reserves the right, at its discretion, to:

   o Terminate and close the EDGE REWARDS  membership in the Program
   o Refuse to award EDGE REWARD  Points
   o Withdraw EDGE REWARD  Points; and/or
   o Refuse to redeem EDGE REWARD  Points
  
• Such suspension and disqualification of EDGE REWARD  Points relationship-holder may result, at Axis Banks discretion, in the forfeiture of all of the accrued EDGE REWARD  Points in the relationship-holders account.

• These terms and conditions are governed by the laws of the Indian Republic and all disputes to be dealt with in the Mumbai jurisdiction.

Axis Bank reserves the right to wholly or partly modify EDGE REWARDS  program. Axis Bank also reserves the right to change EDGE REWARDS  conversion rate, withdraw EDGE REWARDS  awarded or to change any of the terms & conditions herein in its absolute discretion and without prior notice to members.In case EDGE REWARDS  comes in conflict with any rule, regulation or order of any statutory authority, then Axis Bank has absolute authority and right to modify or cancel this program to give effect to the said requirements.

• The data shared by the customer will not be shared with any third party vendor / manufacturer. The customers data will not be misused or marketed outside of Axis Bank and will not be sent outside Axis Bank records for any purpose without explicit permission from the customer. The personal information of customer shall not be disclosed to any third party, except as described in this policy. Third party disclosures may include sharing such information with non-affiliated companies that perform support services including those that provide professional, legal or accounting advice to Axis Bank. Non-affiliated companies that assist Axis Bank in providing services to customer are required to maintain the confidentiality of such information to the extent they receive it and to use personal information of customer only in the course of providing such services. Whenever Axis Bank hires other organization to provide support services, other organization shall conform to privacy policy of the Axis Bank and shall allow Axis Bank to audit them for compliance.
• Axis Bank reserves the right to modify/ alter all or any of the terms applicable to the Program without assigning any reasons or without any prior intimation whatsoever. Axis Bank also reserves the right to discontinue the Program without assigning any reasons or without any prior intimation whatsoever.
• Banking relationship details along with transactional information of every EDGE eligible customer is shared with a third party vendor to fulfill the program criteria. However, the third party agreement ensures safety and security of our customers.