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:

Current Account

Normal Current Account (CANOR)

Local Current Account (CALCA)

Business Advantage Current Account (CAADV)

Business Global Current Account (CAGBL)

Business Privilege Current Account (CABPL)

Business Classic Current Account (CABCA)

Business Select Current Account (CASEL)

Channel One Current Account (CACH1)

Club 50 Current Account (CAC50)

Current Account Pharmaceutical (CAPHM)

Current Account Pharmacist Druggist Chemist (CAPDC)

Priority Business Account* (CAPBG)

*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:

Credit Cards	Debit Cards
My Business Credit Card	Priority Platinum Debit Card (MasterCard/Visa)
VISA Silver Corporate Card Individual Liability	Instant Welcome Kit Card For Priority A/Cs
VISA Silver Corporate - J&S	Priority Platinum Chip Debit Card
VISA Gold Corporate Card Individual Liability	Gold Debit Card
VISA Gold Corporate Card - J&S	Business Titanium Rewards Card
Easy Gold Card Salaried	Ladies First Card
Signature Card with Lifestyle Benefits	MasterCard Gold Plus Debit Card
Signature Card with Flexible Spending Limit	Wealth Card
Wealth Signature Credit Card with Travel Benefits	Privee Card
Gold Business Credit Card	Titanium Rewards Card
Easy Gold Credit Card - Self Employed	Domestic Debit Card (NRI)
Infinite Reserve Credit Card	NRI International Debit
VISA Platinum Credit Card	Titanium Prime Debit Card
Insta Easy Credit Card	Titanium Prime Plus Debit Card
VISA Secured Platinum Card	Titanium Domestic Card
My Zone Credit Card	Smart Privilege Card
VISA Gold Card	VISA Classic International Card(Inaam Account)
VISA Gold Std Card	VISA Classic Domestic Card(Inaam Account)
VISA Gold Plus Card	Burgundy World Debit Card
Secured Gold Card	Online Rewards Debit Card
VISA Silver Card	Secure + Debit Card (Visa/MasterCard)
VISA Silver Plus Card	Business Platinum Card
VISA Classic Silver Card	Display Debit Card
Secured Silver Card	Mariner’s Debit Card
VISA Platinum Corporate Card - CCIL	Active Debit Card
Titanium Credit Card	Priority Platinum Chip Card
My Choice Credit Card	RuPay Priority Banking Card
My Choice Image Credit Card	Rewards+ Visa Debit Card
My Wings Credit Card	Business Supreme Card
Signature Defence Card	Value + Debit Card
Pride Platinum Defence Card	Delight Debit Card
Privilege Credit Card
Neo Card
MasterCard CCIL Credit Card
Shopping Reward Credit Card
Select Credit Card
Buzz Credit Card
Pride Platinum Credit Card
Pride Signature Credit Card
Freecharge Credit Card
Magnus Credit Card

Effective 10^th November, 2014 all eligible Savings Account, Inaam account and NRI account customers need to maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000 a month to be eligible to earn EDGE REWARD  Points. Burgundy customers do not need to maintain an AMB of Rs. 25,000 to earn points.

Points earning will be basis 3 AMB slabs maintained.

If AMB is between Rs. 25,000 to Rs. 1,00,000, x reward points will be earned.

If AMB is between Rs. 1,00,000 to Rs. 5,00,000, 2x reward points will be earned

If AMB is greater than Rs. 5,00,000, 3x reward points will be earned.

Members eligible for Family Banking will earn points on the basis of the family banking relationship maintained with the bank.

For Example : If the total family relationship value is greater than Rs. 5,00,000, and the AMB balance maintained by the same individual is between Rs. 25,000 to Rs. 1,00,000 then the family members will earn 3x points due to his family relationship value.

Click here to know more about Average Monthly Balance calculation.

Please Note:

For Savings Account, Burgundy Account, NRI Account, Inaam Account, calculation of Average Monthly Balance on EDGE REWARDS  program is done for each Customer ID maintained with Axis Bank.

For Example :

If a customer holds 2 Savings Account with a single Customer ID for both accounts, then the Average Monthly Balance calculated to award points is a sum of the Average Monthly Balance maintained for both the accounts. In the event that the customer does not maintain a minimum AMB of Rs. 25,000 in a month for the sum of the accounts maintained on the individual Customer ID, then he will not earn any points even if he makes an eligible earn transaction.

For Family Banking, calculation of Family Balance on EDGE REWARDS  program is done for all Customer ID’s tagged to one Family ID maintained with Axis Bank.

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) 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.
• 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) 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.

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

g) 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.

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

i) 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.

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

k) 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.

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

m) 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.

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

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

p) 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.
• Purchases on Add-on Credit Cards will accrue EDGE REWARD  points which will be credited to the primary EDGE REWARDS  relationship holder’s account. Only the primary account holder can redeem points.
• 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 5 working days of the following week.
• The customer can view these points under the ‘Earn Summary’ Tab on the program website edgerewards.axisbank.co.in 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 -edgerewards.axisbank.co.in/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 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 REWARDS  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 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. E-Voucher redemptions from the NRI catalogue can be redeemed at select brand merchant outlets as specified in the product catalogue against those specific products, in the country as mentioned in the reward / product description.
• 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. Once exchanged for another partner loyalty program, if any, EDGE REWARD  points 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, 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.

Delivery of Rewards redeemed from ‘Rewards Store’

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

• i. 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.

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

• iii. Gift vouchers will be delivered in 6 working days.

• iv. 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.

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

• vi. E-voucher is sent from the customer.shipment@edgerewards.co.in 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.

• vii. 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.

• viii. 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. 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 shall be returned / credited to members account as per due process.

• e. 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 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

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

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

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

• iv. A minimum redemption of 300 points is applicable to use ‘Points Plus Pay’ feature

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

• vi. 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.

• vii. 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.

Note: Currently Point Plus Pay functionality is not available on Axis Mobile App

PIN Code Serviceability Check

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

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

• iii. 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.

• iv. 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.

Redemption at Merchant Stores/ Outlets:

• i. The minimum bill value should be greater than or equal to Rs.100.

• ii. The facility of redeeming EDGE REWARD  points 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

• iii. The list of participating outlets/ merchants is subject to change and will be updated on EDGE REWARDS  website from time to time.

• iv. 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.

• v. 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.

• vi. For cancelled transactions, EDGE REWARD  points 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.

• vii. Axis Bank will not entertain any cancellation request for EDGE REWARD  points redemption while availing this facility at the merchant store.

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

• ix. 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.

• x. 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.

• xi. 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.

• xii. 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.

• xiii. 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.

• xiv. 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.

• xv. Axis Bank may suspend redemption of points where the Credit Card account is not in good standing (overdue or in collection).

• xvi. 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.

• xvii. 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.

• xviii. All other terms & conditions of Axis Bank & related products apply.

Definition:

• 'EDGE REWARD  Points’ : 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
• 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.
l
• 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.

• 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.

• All customers with Axis Bank 3-in-1 (or 4-in-1 account in case of NRI customers) savings account eligible to transact on Axis Direct are eligible to earn EDGE REWARD  points subject to following terms and conditions. This whole arrangement shall hereinafter referred to as the “program”.
• Points will not be available for orders or investment in IPO/NCD/bonds, futures & options & MF transactions.
• On cancellation of the eligible transactions done on Axis Direct, relevant points will be debited from the customers EDGE REWARDS  account.
• Axis Bank and Axis Direct 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 the 20th of the following month.
• The customer can view these points under the ‘Earn Summary’ Tab on the program website, call the Axis Bank call center or give a missed call on 1800-419-6622.
• Redemption of points earned through Axis Direct account will fall under the purview of the redemption terms of EDGE REWARDS  program.
• E-mail address provided during the registration process will be treated as the e-mail address specific to the EDGE REWARDS  program and the member will receive all program related e-mail communications on this e-mail address.
• All redemptions will be fulfilled using the customer’s Bank registered e-mail ID only. This could be but not restricted to the e-mail ID registered with EDGE REWARDS  program.
• Points earned on all eligible Axis Direct transactions 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 2018, the EDGE REWARD  points shall be valid for redemption till 10th January 2021.) Unless used prior to the expiration date, the EDGE REWARD  points shall expire on such date.
• Axis Direct shall send the transaction's confirmation details on the existing registered e-mail id registered with Axis Direct. This will have no bearing on Axis Bank.
• The above terms and conditions are in addition to the EDGE REWARDS  program terms and conditions mentioned herein.
• The above program is subject to changes from time to time as per the policy of Axis Bank Ltd. Axis Bank at its sole discretion and at any time has the right to amend the above conditions and eligibility norms.
• Axis Bank has the right to discontinue this program at its sole discretion any time as Axis Bank deems fit.

a. EDGE REWARDS  Relationship*

• i. Savings Account
• ii. Current Account
• iii. Cards: Debit Card/s issued by Axis Bank / Credit Card/s issued by Axis Bank
• iv. Burgundy Private
• v. Burgundy
• vi. Priority
• vii. NRI
• viii. Forex
• ix. Inaam Account

The new earn structure on spends for the EDGE REWARDS  program will be as follows:

Savings Account

Effective 10^th November 2014, a Savings Account customer must maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000 per month to be eligible to earn EDGE REWARD  points for below mentioned transactions. Corporate and Government Trust Savings Account, no frills and Basic Savings Account are not eligible to earn points

Product	Transaction	AMB between Rs. 25,000 to Rs. 1,00,000	AMB between Rs. 1,00,000 to Rs. 5,00,000	AMB greater than Rs. 5,00,000	Limit per financial year i.e. April – March
Savings Account	Monthly Credit Transactions Amounting to Rs. 50,000 or more	25 points	50 points	75 points	Once a month
	Electronic Clearance System Transactions (ECS)– Credit or Debit ECS Transactions	5 points	10 points	15 points	Maximum 5 Transactions in a month
	Standing Instructions (Credit or Debit)	5 points	10 points	15 points	Maximum 5 Transactions in a month
	Opening of Recurring Deposit Account for Rs. 2000 or more	100 points	200 points	300 points	No cap
	Opening of Axis Direct Account	400 points	800 points	1200 points	One Time

*EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example: Points for transaction done on 10^th January 2014, will be credited by 20^th February, 2014..

Current Account

Effective 5^th November 2014, a Current Account customer will be eligible to earn EDGE REWARD  points for below mentioned transactions.

Product	Transaction	Points	Limit per financial year i.e. April – March
Current Account	New Account Opening & Funding	1000 Points – Channel One & Club 50 Current Account	One time for each account opened and funded. No lower limit on the value of funding.
		750 Points – Current Account Pharmaceutical, Business Select Current Account, Business Classic Current Account, Business Privilege Account,Priority Business Account
		500 Points – Normal Current Account, Business Global Current Account, Business Advantage Current Account
		250 Points – Local Current Account, Current Account-Pharmacist.Druggist.Chemist
	Account Reactivation	250 Points	One time - upon dormant account reactivation
	Register for iConnect (Corporate)	250 Points	One time – upon registration for Corporate iConnect basis eligibility
	Activate Mobile Banking App	150 Points	One time – upon download of Corporate Mobile Banking App and registration by setting up m-pin
	Register for e-Statement	150 Points	One time - upon registration
	Register for e-Forex	100 Points	One time - upon registration
	On Corporate Foreign Exchange Transactions with Axis Bank	1 Points	For every USD 1000 or equivalent amount on corporate foreign exchange transaction (buy/ sell) with Axis Bank

*EDGE REWARD  Points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example: Points for transaction done on 10^th January 2014, will be credited by 20^th February, 2014.

Debit Cards

Effective 5^th March 2013, below Debit Cards are eligible to earn EDGE REWARD  Points for below mentioned transactions.

Debit Cards	Points per Rs. 200 spent
Business Supreme Card	1 Point
Business Titanium Rewards Card	1 Point
Gold Debit Card	1 Point
Active Debit Card	1 Point for domestic NFC transactions only
RuPay Priority Banking Card	1 Point for domestic spends
Instant Welcome Kit Card For Priority A/Cs	1-3 Points
Ladies First Card*	10 Points
Master Card Gold Plus Debit Card	1 Point
Priority Platinum Chip Card*	1-3 Points
Priority Platinum Debit Card	1-3 Points
Privee Card	2-6 Points
Titanium Rewards Card	1 Point
Rewards+ Visa Debit Card	1 Point
Wealth Card	1-3 Points
Titanium Prime/ Prime Plus/ Domestic Debit Card	1 Point
Smart Privilege Card	1 Point
Visa Classic/ Domestic/ International Cards(NRI customers& Inaam Account only)	1 Point
Burgundy World Debit Card	2-6 Points
Online Rewards Debit Card	1 Point
Secure+ Debit Card (Visa/MasterCard)	1 Point
Business Platinum Card	1 Point on Domestic Spends/3 points on International Spends
Mariner’s Debit Card	1 point on Domestic Spends/2 points on International Spends
Display Debit Card	2 points on Domestic Spends/4 points on International Spends
Display Debit Card	2 points on Domestic Spends/4 points on International Spends
Value+ Debit Card	1 point
Delight Debit Card	2 points

• 1. ^*On Ladies First Card earn 5 points for every Rs. 100 spent on Groceries and Apparels


• 2. On Titanium Rewards Debit Card or Rewards+ Debit Card - Earn 3x reward points on dining
  

  Get 3 times the EDGE REWARD  Points every time you dine out using your Titanium Rewards / Rewards+ Debit Card on transactions of Rs.500 or more

  • Cardholders need to use their valid Titanium Rewards Debit Card or Rewards+ Debit Card as the mode of payment to enjoy 3x EDGE REWARD  Points on dining.
  
  
  • The bank will not be responsible for issuing points, if any merchant is not registered under dining category.
  
  
• 3. On Titanium Rewards Debit Card and Rewards+ Debit Card - Earn 3x reward points on shopping
  

  Get 3 times the EDGE REWARD  points on shopping at apparel stores whenever you pay using your Titanium Rewards Debit Card or Rewards+ Debit Card on transactions of Rs.500 or more

  • Cardholders need to use their valid Titanium Rewards Debit Card or Rewards+ Debit Card as the mode of payment to enjoy 3x EDGE REWARD  points on shopping at apparel stores.
  
  
  • The bank will not be responsible for issuing points, if any merchant is not registered under fashion apparels category
  
  

  Titanium Rewards Debit Card holders are entitled to 5% cash back on movie spends, both online and box office openings. EDGE REWARD  points will not be credited to members account for movie transactions

• 4. On Online Rewards Debit Card for every Rs. 200 spent, earn 3X Reward points on all online spends.


• 5. Activation offer :
  

  • • On Priority Platinum Chip Card:Any new customer transacting with their card / activating their card for the first time, within 45 days of account opening, will earn1000 additional EDGE REWARD  points. The customer will be eligible for this offer only once.This offer is applicable for new to bank customers (after Oct 01, 2016) holding a Priority account with Axis Bank and having a Priority Platinum Debit Card.

  • • On Online Rewards Debit Card :Any new customer transacting with their card / activating their card for the first time, within 30 days from card receipt, will earn 2500 additional reward points. The customer will be eligible for this offer only once. This offer is effective from Mar 01, 2017.

  • • On Value+ Debit Card:Any new customer on completing 3 financial transactions within the first 60 days from card setup, will earn 3000 additional reward points. The customer will be eligible for this offer only once.

  • • On Delight Debit Card:Any new customer on completing 3 financial transactions within the first 60 days from card setup, will earn 5000 additional reward points. The customer will be eligible for this offer only once.

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the member's account within 12 working days from the point of sales/ online transaction. For example: points for transaction done on 10^th July 2017, will be credited by 26^th July, 2017.

  
  
  

  Credit Cards

  Effective 5^th March 2013, below Credit Cards are eligible to earn EDGE REWARD  points for below mentioned transactions.

  Credit Cards	Points per Rs. 200 spent	Add-on Card	On Renewal/Welcome
  Commercial Card	1-2 Points**	NA	NA
  Shopping Reward Credit Card	2 Points	NA	NA
  Silver Cards	2-4 Points	100 Points	NA
  Gold Cards	2-4 Points	100 Points	NA
  Buzz Credit Card	2-6 Points	NA	NA
  Titanium Cards	2-8 Points	100 Points	NA
  My Choice/ My Wings Cards	4 Points	100 Points	NA
  Neo Card	2 Points	100 Points	NA
  My Business Cards	4 Points	100 Points	NA
  Pride Platinum Credit Card	4 Points	NA	NA
  Pride Signature Credit Card	4 Points	NA	NA
  Platinum/ Insta Easy Cards	6-12 Points	100 Points	NA
  Signature/ Infinite Reserve Card	10-20 Points	100 Points	NA
  My Zone Cards	4 Points	100 Points	NA
  Privilege Credit Cards	10 Points	100 Points	NA
  Select Credit Card	10-20 Points	NA	5000* Points
  Freecharge Credit Card	1 Points	NA	NA
  Magnus credit Card	12 Points	NA	NA

  *Welcome Bonus of 5000 reward points on Select Credit Card is effective from 1st April 2017.
  
  ^**1 point for domestic transactions/ 2 points on international transactions / 1 point on EMI conversion.Fuel transactions done on MasterCard CCIL Credit Card will not be rewarded with any points.
  
  

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the member's account within 12 working days from the point of sales/ online transaction. For example: Points for transaction done on 10^th July 2017, will be credited by 26^th July, 2017.

  EDGE REWARD  points will not be earned on those credit card transactions that have been converted into EMI.
  
  Effective 1^st December 2019, crediting of 2x EDGE REWARD points as Birthday bonus on certain credit card spends during the birthday month has been discontinued.
  
  
  
  
  

  Axis Mobile/ Internet Banking

  Effective 1^st December 2019 crediting of EDGE REWARD  points for Digital earns like transactions for booking Fixed Deposit, requesting Cheque book and making Bill Payments has been discontinued.

  
  

  BURGUNDY PRIVATE

  Transaction Type	Points
  Monthly Credit Transactions Amounting to Rs. 5,00,000 or more	500 Points
  Electronic Clearance System Transactions (Max 5 per month)	25 points
  Standing Instructions (Max 5 per month)	75 points
  Opening a Recurring Deposit Account for Rs. 1,00,000 or more	500 points
  Outward Remittance through Branch	500 points
  Loading of Travel Currency Card through Axis Bank Savings Account	750 points
  Reloading of Travel Currency Card through Axis Bank Savings Account	500 points
  Spends on Travel Currency Card for every USD 50 or equivalent amount in any other currency	1000 points
  One-time Bonus points on reaching TRV* of Rs. 5,00,00,000	30000 points
  For every Rs. 200 spent on Burgundy Private Credit Card	15 points
  For every Rs. 200 spent on Burgundy Private Debit Card	3 points (domestic spends) 10 points (international spends)

  ^*Total Relationship value
  
  Effective from 2^nd December 2019

  
  

  Burgundy

  Effective 10^th November 2014, a Burgundy customer will earn 3x EDGE REWARD  points for the below mentioned transactions:

  Product	Transaction	Points to be Earned	Limit per financial year i.e. April – March
  Burgundy	Monthly Credit Transactions Amounting to Rs. 50,000 or more	75 Points	Once a month
  	Electronic Clearance System Transactions	15 Points	Maximum 5 in a month
  	Standing Instructions	15 Points	Maximum 5 in a month
  	Opening a Recurring Deposit Account for Rs. 2000 or more	300 Points	No cap
  	Opening an Axis Direct Account	1200 Points	One time
  	Outward Remittance through Internet Banking	500 Points	Every time outward remittance is done
  	Outward Remittance through Branch	500 Points	Every time outward remittance is done
  	Loading of Travel Currency Card through Savings Account	500 Points	Points will be issued only on loading of amount through Savings Account
  	Reloading of Travel Currency Card through Savings Account	250 Points	Points will be issued only on loading of amount through Savings Account
  	Spends on Travel Currency Card for every USD 5 or equivalent amount in any other currency*	4 Points	Spends will be calculated in USD with prevailing exchange rate as on 1st of every month. Points will be issued on cumulative spends for a month

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example: Points for transaction done on 10^th January 2014, will be credited by 20^th of February, 2014.

  
  

  Priority

  Transaction Type	AMB between Rs. 25,000 to Rs. 5,00,000	AMB greater than Rs. 5,00,000
  Monthly Credit Transactions Amounting to Rs. 50,000 or more	50 points	75 points
  ECS Transactions	10 points	15 points
  Standing Instructions	10 points	15 points
  Opening of Recurring Deposit for Rs. 2000 or more	200 points	300 points
  Opening an Axis Direct Account	800 points	1200 points

  ^*With effective from 1st February 2017.

  
  

  NRI Savings Account

  Effective 10^th November 2014, an NRI Savings Account customer must maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000 per month to be eligible to earn EDGE REWARD  points for below mentioned transactions. Corporate and Government Trust Savings Account, no frills and Basic Savings Account are not eligible to earn points

  Sr. No.	Particular	AMB between Rs. 25,000 to Rs. 1,00,000	AMB between Rs. 1,00,000 to Rs. 5,00,000	AMB greater than Rs. 5,00,000	Limit per financial year i.e. April – March
  1	Monthly Credit Transactions Amounting to Rs. 50,000 or more	25 points	50 points	75 points	Once a month
  2	Electronic Clearance System Transactions (ECS)– Credit or Debit ECS Transactions	5 points	10 points	15 points	Maximum 5 transactions in a month
  3	Standing Instructions (Credit or Debit)	5 points	10 points	15 points	Maximum 5 transactions in a month
  4	Opening of Recurring Deposit Account for Rs. 2,000 or more	100 points	200 points	300 points	No Cap
  5	Opening of Axis Direct Account	400 points	800 points	1200 points	One Time

  
  

  Portfolio Investment Scheme Transaction
  

  Effective 1^st August 2016, an NRI Savings Account customer will earn EDGE REWARDS  point for Portfolio Investment Transactions.

  Earn Rule	Description	Points
  Trade reported	Maximum 20 points per trade day per customer (cust ID level)	20

  
  

  * EDGE REWARDS  point for NRI PIS Transactions are applicable only on scheme codes NREPI and NROPI

  
  

  Inward Remittance

  Effective 29^th September 2017, NRI saving account customers can earn EDGE REWARD  points on all inward remittance transactions as given below:

  Annexure A

  S.No	Value of Inward Remittance converted to INR	Points
  1	Less than or equivalent to INR 2 Lakhs	80 Points/Lakh*
  2	Greater than INR 2 lakhs to INR 5 Lakhs	100 Points/Lakh
  3	Greater than INR 5 Lakhs to INR 10 Lakhs	120 Points/Lakh
  4	Greater than INR 10 Lakhs	1000 Points/Transaction

  ^*Example 1-Any customer remitting an amount of less than INR 2 Lakh will be credited 80 EDGE REWARD  points, subject to a maximum of 1000 EDGE REWARD  points per month.
  
  Example 2- Any customer remitting an amount of INR 2 Lakh will be credited 160 (80 points/lakh) EDGE REWARD  points, subject to a maximum of 1000 EDGE REWARD  points per month.

  • 1. The earn rule is applicable for all Non-Resident Savings Accounts with Axis Bank.
  • 2. The earn rule will be applicable only for inward remittances credited to the customer’s Non-Resident Savings Account with Axis Bank.
  • 3. The above mentioned earn rules are not applicable for inward remittances done with the purpose of booking an FCNR deposit.
  • 4. Inward remittance transaction booked (by Non-Resident customers) through online as well as offline modes will be considered for EDGE REWARD  points credit.
  • 5. Inward remittances sent to Axis Bank as a beneficiary Bank but being converted through some other Bank and then being credited in the customer’s Non-Resident Savings Account via NEFT or RTGS will not be eligible for EDGE REWARD  points credit under the above mentioned earn rules.
    
    For example:- If customer A sends USD 10,000 in an NRI Savings account as a beneficiary but instructs the correspondent bank to convert it before being credited to Axis Bank wherein Axis Bank receives the remittance in the form of an NEFT or RTGS will not be considered under the earn rule as mentioned above.
  • 6. A Non-resident customer can earn a maximum of 1000 (One thousand) EDGE REWARD  points in a calendar month as per the table mentioned (Annexure A).
  • 7. Illustration on points credit:-
    1. a. If a Non-Resident customer remits an amount of INR 1.80 Lakh, the customer will get 80 points and not 160 points since the threshold of 2 lakhs is not achieved (as per Annexure A).
    2. b. If a Non-Resident customer remits an amount equivalent to INR 10 Lakhs twice in the same month, he/she will be credited with only 1000 (One thousand) EDGE REWARD  points and not 2000 as the maximum amount of points that can be credited to the customer per month is 1000.
  • 8. By participating in this offer, the customer shall be deemed to have read, understood, accepted and agreed to be bound by these terms & conditions.
  • 9. In all matters or disputes relating to the offer, the decision of Axis Bank shall be final and binding
  • 10. All information is provided on "as is" basis without warranty of any kind. Axis Bank makes no representation and disclaims all express, implied warranties of any kind to the customer and/or any third party.
  • 11. These terms and conditions and an arrangement herein shall be subject to applicable RBI guidelines issued from time to time and prevailing law and regulations.
  • 12. In addition to the above terms and conditions, the existing terms and conditions of Axis Bank and the EDGE REWARDS  program will also apply.

  ^**EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example: points for transaction done on 10^th January 2014, will be credited by 20^th February, 2014.

  Loans

  Effective 20^th May 2018, crediting of EDGE REWARD  points for any loan disbursals and/or anniversaries has been discontinued.

  ^*EDGE REWARD  Points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example: Points for transaction done on 10^th January 2014, points will be credited by 20^th of February, 2014.
  

  Forex

  Customers can earn Points on Forex transactions only if they have a Savings Account or Debit / Credit Cards or Inaam Account.

  Product	Transaction	Points	Remarks
  Forex	Outward Remittance through Internet Banking	500 Points	Every time outward remittance is done
  	Outward Remittance through Branch	250 Points	Every time outward remittance is done
  	Loading / Re-loading of Travel Currency Card through Savings Account	250 Points	Points will be issued only on loading of amount through Savings Account
  	Spends on Travel Currency Card for every USD 5 or equivalent amount in any other currency*	2 Points	The spends will be calculated in USD with prevailing exchange rate as on 1st of every month. Points will be issued on a cumulative spends for a month

  The above Forex rules are effective from 1^st January, 2014. The EDGE REWARD  points on the above transactions will be credited by 20^th of the following month.

  For example: Customer has spent a cumulative of EURO 300 in January, 2014. The exchange rate prevailing on 1^st January, 2014 is 1 EURO = USD 1.38. The equivalent USD amount now becomes USD 412.73. Basis the earn rule as mentioned above the customer account will be credited with 164 EDGE REWARD  points for USD 412.73.

  
  

  Inaam Account

  Effective 10^th November 2014, an Inaam Account customer must maintain a minimum Average Monthly Balance (AMB) of Rs. 25,000 per month to be eligible to earn EDGE REWARD  points for below mentioned transactions. Corporate and Government Trust Savings Account, no frills and Basic Savings Account are not eligible to earn points

  Product	Transaction	Points	Limit per financial year i.e. April – March
  Inaam Account	New Account Opening	500 points	Maximum of 5 account in a financial year
  	Maintain Average Quarterly Balance (AQB)	500 points (AQB of RS.Rs. 25,000 to 50,000) 1000 points (AQB > Rs. 50,000)	Once every quarter
  	Transaction	AMB between Rs. 25,000 to Rs. 1,00,000	AMB between Rs. 1,00,000 to Rs. 5,00,000	AMB greater than Rs. 5,00,000
  	Monthly Credit Transactions Amounting to Rs. 50,000 or more	25 points	50 points	75 points	Once a month
  	Electronic Clearance System Transactions (ECS)– Credit or Debit ECS Transactions	5 points	10 points	15 points	Maximum 5 transactions in a month
  	Standing Instructions (Credit or Debit)	5 points	10 points	15 points	Maximum 5 transactions in a month
  	Opening of Recurring Deposit Account for Rs. 2000 or more	100 points	200 points	300 points	No cap
  	Opening of Axis Direct Account one time	400 points	800 points	1200 points	One time

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example points for transaction done on 10^th January 2014, Points will be credited by 20^th February, 2014.

  
  

  Family Banking

  Effective 6^th April 2015, in order to be eligible to earn points, the combined family AMB should be > Rs. 25,000 per month. To earn points on Family Banking transactions, the primary member has to hold 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.

  Product	Transaction Type	Family Balance between Rs. 25,000 to Rs. 1,00,000	Family Balance between Rs. 1,00,000 to Rs. 5,00,000	Family Balance greater than Rs. 5,00,000	Limits
  Family Banking	Addition of Family Member*	100 points	200 points	300 points	Up to 3 members in a family, excluding the primary account holder
  	Monthly Deposits Amounting to Rs. 50,000 or more.	25 points	50 points	75 points	Once a month, per member
  	Electronic Clearance System Transactions (ECS) - Credit or Debit Transactions	5 points	10 points	15 points	Maximum of 5 transactions in a month, per member
  	Standing Instructions - Credit or Debit Transactions	5 points	10 points	15 points	Maximum of 5 transactions in a month, per member
  	Opening of Recurring Deposit for Rs. 2000 or more	100 points	200 points	300 points	No cap
  	Opening an Axis Direct Account	400 points	800 points	1200 points	One time, per member
  	Take any one Family Menu action in the Festival month-December*	50 points	100 points	150 points	Up to 3 members in a family, excluding the primary account holder

  ^*Points to be given to Primary Member

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example points for transaction done on 10^th January 2014, points will be credited by 20^th February, 2014.

  Points earned for the 1^st time on any of the above transactions will be credited by 31^st March 2015

  
  

  Axis Direct

  Effective 27^th October, 2017, below transaction on Axis Direct is eligible to earn EDGE REWARD  points for below mentioned transactions.

  Earn Rule	Description	Points
  Earn points when you start your first Equity SIP	Min. Rs. 2000 p.m., for min. 36 months	250 points
  Earn points when you place your first trade	Only through Axis Direct Mobile App	250 points

  ^*EDGE REWARD  points earned on the above transactions shall be credited to the members account by 20^th of the following month. For example, points for transaction done on 10^th January 2018, points will be credited by 20^th February, 2018.

  Axis Active

  Effective 27^th August 2016, below transaction on Axis Active is eligible to earn EDGE REWARD  points for below mentioned transaction.

  Earn Rule	Description	Points
  Weekly goals	Weekly step goal of 70,000	500

  Axis ACTIVE REGISTRATION OFFER – TERMS & CONDITIONS

  • 1. This is a limited period offer on activation of the Axis Active band purchased by the customer, using the activation code included in the customer's Active kit. This offer is valid for only a select audience that received this offer through email and SMS.
  • 2. This is a one-time offer and is available on a first-come, first-served basis only before 31st January, 2018.
  • 3. In order to be eligible for the offer, the activation procedure needs to be completed in full, as outlined in the Axis Active kit received by the customer.
  • 4. Once the band has been activated, within the offer period, the eligible customer will receive 500 EDGE REWARD  points in their account within 10-15 working days.
  • 5. This e-voucher will be delivered to your bank registered e-mail ID, instantly. In case of unforeseen situations it will be delivered maximum within 24 hours.
  • 6. This offer is subject to applicable laws 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 Bank 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 discontinued forthwith from the date when the amended law restricting/prohibiting the arrangement comes into force.
  • 7. The terms & conditions of Axis Active and EDGE REWARDS  prevail along with the offer T&Cs.
  • 8. All customer disputes will have to be reported to Axis Bank or its representatives on or before the 30th day, post the offer ends. In case of any dispute, the decision of Axis Bank will be final.