All Axis Bank customers holding Savings, NRI (including NRE and NRO) and Inaam account are eligible to be a part of Axis 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 Axis 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 Axis Bank Current Account – Debit Card holders are eligible to be a part of this program:

• Business Platinum Debit Card

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

Credit Cards	Debit Cards
Axis Bank 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
AXIS Bank Easy Gold Card Salaried	Ladies First Card
AXIS Bank Signature Card with Lifestyle Benefits	MasterCard Gold Plus Debit Card
AXIS Bank Signature Card with Flexible Spending Limit	Wealth Card
AXIS Bank Wealth Signature Credit Card with Travel Benefits	Privee Card
AXIS Bank Gold Business Credit Card	Titanium Rewards Card
AXIS Bank Easy Gold Credit Card - Self Employed	Domestic Debit Card (NRI)
Axis Bank Infinite Reserve Credit Card	NRI International Debit
AXIS Bank VISA Platinum Credit Card	Titanium Prime Debit Card
Insta Easy Credit Card	Titanium Prime Plus Debit Card
AXIS Bank VISA Secured Platinum Card	Titanium Domestic Card
AXIS Bank 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
AXIS Bank VISA Platinum Corporate Card - CCIL	Axis Active Debit Card
AXIS Bank Titanium Credit Card	Priority Platinum Chip Card
AXIS Bank My Choice Credit Card	RuPay Priority Banking Card
AXIS Bank My Choice Image Credit Card	Rewards+ Visa Debit Card
AXIS Bank My Wings Credit Card	Business Supreme Card
Signature Defence Card
Pride Platinum Defence Card
Privilege Credit Card
Axis Bank Neo Card
Axis Bank MasterCard CCIL Credit Card
Axis Bank Shopping Reward Credit Card
Axis Bank Select Credit Card
Buzz Credit Card
Pride Platinum Credit Card
Pride Signature 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 Axis 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 Axis 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 Axis eDGE Rewards program is done for all Customer ID’s tagged to one Family ID maintained with Axis Bank.

Axis Mobile / Axis Bank Internet Banking:

All customers using Axis Mobile / Axis Bank Internet Banking are eligible to earn Axis eDGE Reward points subject to terms and conditions as mentioned in Schedule A. This whole arrangement shall hereinafter referred to as the “program”.

a) Access through Axis Bank- Internet Banking:

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

Please note, Axis Bank Current Account customers will not be able to access the Axis eDGE Rewards program via this feature

b) Access through Axis Bank Mobile App:

• i) Members can login to the Axis Bank Mobile App.
• ii) Select Axis eDGE Rewards from the menu.

c) Access through Axis eDGE Rewards website:

• i) While registering on Axis eDGE Rewards website, the registration page for Axis 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 Axis Bank Call Center

• i) Customers can access the program by calling the Axis Bank 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 Axis 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 Axis 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) Axis 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 Axis eDGE Rewards program is non-transferable.

k) In case of joint or multiple holders of Axis eDGE Rewards relationship, all authorized signatories will be automatically enrolled in Axis eDGE Rewards program; however, the use and redemption of the points shall only be available to the primary Axis eDGE Rewards relationship signatory as identified in Axis Bank records and is limited, as described in these Terms & Conditions. However, each Axis 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 Axis 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 Axis eDGE Rewards relationship, then such signatory(ies) or supplementary account holder(s) is/are no longer eligible to participate in Axis eDGE Rewards program.

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

o) Membership in Axis eDGE Rewards program is automatically terminated upon death or bankruptcy of the primary Axis eDGE Rewards relationship-holder

p) Upon membership termination, all points accrued in the Axis 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 Axis eDGE Rewards relationships or which Axis Bank Card/Bank transactions are eligible for inclusion/exclusion in the Axis eDGE Rewards program and how many Axis eDGE Reward points to be earned and on what basis.
• Axis Bank will also determine from time to time the number of Axis eDGE Reward points required for redemption of any reward. A member must be a customer in good standing, having earned a minimum number of Axis eDGE Reward points (currently 300 points) to be eligible for redemption.
• In case of a reversal of any eligible transaction, Axis eDGE Reward points credited to the Axis eDGE Rewards account as a result of such eligible transaction will be deducted from the accrued Axis eDGE Reward points balance.
• Axis 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 Axis eDGE Reward points on already discounted transactions.
• Purchases on Add-on Credit Cards will accrue Axis eDGE Reward points which will be credited to the primary Axis eDGE Rewards relationship holder’s account. Only the primary account holder can redeem points.
• Points are earned for each of the Axis eDGE Rewards relationships or eligible transaction subject to the Axis eDGE Reward points earning criteria and no Axis eDGE Reward points shall be awarded retroactively. An indicative but not necessarily complete list of exceptions to earnings of Axis eDGE Reward points per type of Axis 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 “The Axis Active Program” are eligible to earn Axis 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 Axis eDGE Rewards relationships or actions are eligible for inclusion/exclusion in the Axis eDGE Rewards program and how many Axis eDGE Reward points to be earned and on what basis.
• Points earned through eligible earn actions will be credited to the customer’s Axis 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.com 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 Axis eDGE Rewards program.
• The above T&C’s are in addition to the Axis eDGE Rewards program T&C’s mentioned herein -edgerewards.axisbank.com/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.
• Axis eDGE Reward Points are not assignable and cannot be pledged.
• In case of a change to the status of the Axis eDGE Rewards relationship (such as an upgrade or downgrade thereof), the Axis eDGE Reward points calculation may be adjusted according to the revised status of the Axis eDGE Rewards relationship.
• Axis eDGE Reward points are valid for a period of three (3) years, starting from the day of the month on which the Axis eDGE Reward points are earned. For example, if a member has earned Axis eDGE Reward points on 10th January 2013, the Axis eDGE Reward points shall be valid for redemption till 10th January 2016. Unless used prior to the expiration date, the Axis eDGE Reward points shall expire on such date.
• Effective 01st May, 2016, all Axis eDGE Reward points earned by customers on or before 01st May, 2013 will stand lapsed. As your Axis 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 Axis eDGE Reward point balance, log on to Internet Banking/ Mobile App or edgerewards.axisbank.com.
• Axis eDGE Reward points will also expire in case of no earn transaction on the Axis eDGE Rewards account in a period of 365 days.
• Upon expiration, unused Axis eDGE Reward points will be removed from the Axis eDGE Rewards account as of the expiration date and cannot be re-credited. It is the Axis eDGE Rewards account holder's responsibility to be aware of both the number of Axis eDGE Reward points in his account and their expiration date.

• All the spends done under the Program purview shall be eligible to earn Axis 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 Axis 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 Axis 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 Axis eDGE Rewards relationships can request for redemption of points.
• The Axis 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 Axis 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 Axis eDGE Reward points. Once exchanged for another partner loyalty program, if any, Axis 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 Axis 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 Axis 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 Axis 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 Axis 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 Axis 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 Axis 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 Axis eDGE Rewards Catalogue, Axis Bank shall endeavor to procure replacements for the items and if not, shall credit the Axis 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 Axis eDGE Rewards points and cash payment through Axis Bank Credit/ Debit card, subject to a minimum number of 300 Axis 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 Axis eDGE Reward points for purchases at participating outlets/ merchants is available on select Axis Bank Credit Cards only. For the complete list of Axis Bank Credit Cards on Axis eDGE Rewards program, please visit edgerewards.axisbank.com

• iii. The list of participating outlets/ merchants is subject to change and will be updated on Axis 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, Axis 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 Axis eDGE Reward points redemption while availing this facility at the merchant store.

• viii. The facility of redeeming Axis 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 Axis Bank 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, Axis Bank 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 Axis eDGE Rewards program as agreed upon by Axis Bank Credit Card customer with Axis Bank.

• xiv. Payment of fees/service charges/all other amounts due from a Axis Bank Credit Card customer to Axis Bank from usage of the Axis Bank Credit Card on using this facility and/or otherwise will be governed by the detailed Axis Bank Credit Card terms & conditions.

• xv. Axis Bank may suspend redemption of points where the Axis Bank 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:

• 'Axis eDGE Reward Points’ : Reward points which an Axis Bank Customer earns on transactions undertaken across banking relationship with Axis Bank, as defined in Axis eDGE Rewards program.

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

• 'Axis Bank 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 Axis eDGE Rewards activity for each relationship will be mailed (electronically in the form of a statement to the Axis 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. Axis eDGE Reward points shall be transferred on a periodic basis from the Axis Bank relationship into the account (the “Axis eDGE Rewards account”) for the purpose of accruing points and all the Axis eDGE Reward points shall accrue and expire as described in the terms & conditions stated here and the terms & conditions contained in the statement. An Axis eDGE Rewards member can access the transactions for the last three months online at https://edgerewards.axisbank.com
• 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 Axis eDGE Reward points in the program shall result in forfeiture of the Axis eDGE Reward points as well as termination and cancellation of the Axis 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 Axis eDGE Rewards will be sent on the email ID registered on the Axis 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 Axis eDGE Rewards program on the registered email ID. Please note: The registered email ID for the Axis eDGE Rewards program may or may not be the registered email ID with Axis Bank. The Axis 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 Axis eDGE Reward points as aforesaid or otherwise shall be to the sole account of the member.
• Axis 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 Axis 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.
• Axis 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 Axis eDGE Rewards program should be addressed to 1860-419-5555, 1860-500-5555 or to edgerewards@axisbank.com or as specified by the program customer service centre from time to time.
• 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 22 27648000 or to nri.services@axisbank.com or as specified by the program customer service centre from time to time.
• Credit Card and Debit Card customers can write to us at creditcards@axisbank.com & debitcards@axisbank.com respectively.
• One of the conditions on which Axis 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.
• Axis 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 Axis eDGE Rewards shall be accepted by the Axis eDGE Rewards relationship holder at his/her own risk.
• Axis Bank is not responsible for disputes involving Axis 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 Axis eDGE Rewards relationship is solely the member’s responsibility.
• The Axis 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.
• Axis 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. Axis 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 Axis 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 Axis 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 Axis eDGE Rewards membership in the Program
   o Refuse to award Axis eDGE Reward points
   o Withdraw Axis eDGE Reward points; and/or
   o Refuse to redeem Axis eDGE Reward points
  
• Such suspension and disqualification of Axis eDGE Reward points relationship-holder may result, at Axis Banks discretion, in the forfeiture of all of the accrued Axis 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 Axis eDGE Rewards program. Axis Bank also reserves the right to change Axis eDGE Rewards conversion rate, withdraw Axis eDGE Rewards awarded or to change any of the terms & conditions herein in its absolute discretion and without prior notice to members.In case Axis 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 AxisDirect are eligible to earn Axis 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 AxisDirect, relevant points will be debited from the customers Axis eDGE Rewards account.
• Axis Bank and AxisDirect shall determine, from time to time, at its discretion, which Axis eDGE Rewards relationships or actions are eligible for inclusion/exclusion in the Axis eDGE Rewards program and how many Axis eDGE Reward points to be earned and on what basis.
• Points earned through eligible earn actions will be credited to the customer’s Axis 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 AxisDirect account will fall under the purview of the redemption terms of Axis eDGE Rewards program.
• E-mail address provided during the registration process will be treated as the e-mail address specific to the Axis 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 Axis eDGE Rewards program.
• Points earned on all eligible AxisDirect transactions are valid for a period of three (3) years, starting from the day of the month on which the Axis eDGE Reward points are earned. (For example, if a member has earned Axis eDGE Reward points on 10th January 2018, the Axis eDGE Reward points shall be valid for redemption till 10th January 2021.) Unless used prior to the expiration date, the Axis eDGE Reward points shall expire on such date.
• AxisDirect shall send the transaction's confirmation details on the existing registered e-mail id registered with AxisDirect. This will have no bearing on Axis Bank.
• The above terms and conditions are in addition to the Axis 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. Axis 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
• v. Priority
• vi. NRI
• vii. Loans
• viii. Forex
• viii. Inaam Account

The new earn structure on spends for the Axis 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 Axis 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

*Axis 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 Axis 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

*Axis 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 Axis 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
Axis 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

• 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 Axis eDGE Reward Points every time you dine out using your Axis Bank Titanium Rewards / Rewards+ Debit Card on transactions of Rs.500 or more

  • Cardholders need to use their valid Axis Bank Titanium Rewards Debit Card or Rewards+ Debit Card as the mode of payment to enjoy 3x Axis 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 Axis eDGE Reward points on shopping at apparel stores whenever you pay using your Axis Bank Titanium Rewards Debit Card or Rewards+ Debit Card on transactions of Rs.500 or more

  • Cardholders need to use their valid Axis Bank Titanium Rewards Debit Card or Rewards+ Debit Card as the mode of payment to enjoy 3x Axis 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. Axis 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 Axis 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.

  ^*Axis 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 Axis eDGE Reward points for below mentioned transactions.

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

  *Welcome Bonus of 5000 reward points on Select Credit Card is effective from 1st April 2017.
  
  

  ^*The Birthday Bonus Points will be credited by the 20^th of the following month. For example: If the birthday falls in the month of January, the 2X bonus points will be credited in the members account by the 20^th of February.
  
  ^**1 point for domestic transactions/ 2 points on international transactions / 1 point on EMI conversion.Fuel transactions done on Axis Bank MasterCard CCIL Credit Card will not be rewarded with any points.
  
  

  ^*Axis 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.

  ^*Axis Pay Card: (Applicable on all MasterCard variant Credit Cards only)

  • 1. Earn 10 points on every Rs. 200 spent on domestic / international transactions
  
  

  Activation offer (HCE Master Card)

  • 1. Earn 50 bonus points on 1st transaction
  
  
  • 2. Earn 200 bonus points on completion of first 5 successful transactions
  
  
  Axis eDGE Reward points will not be earned on those credit card transactions that have been converted into EMI.
  
  
  
  
  

  Axis Mobile/Axis Bank Internet Banking

  Effective 5^th October 2017, customer will earn Axis eDGE Reward points for the below mentioned transactions done on Axis Mobile / Axis Bank Internet Banking:

  Annexure A

  S.No	Transaction Type	Points
  1	Cheque book request	20
  2	Fixed Deposit Creation (Max 3 Fixed deposits a month)	100
  3	Customers doing 1 bill payment in a month	50
  4	Customers doing 2 bill payments in the same month (50 points for 1st bill and additional 25 points for 2nd bill)	25
  5	Customers doing 3 bill payments in the same month (50 points for 1st bill + 25 points for 2nd bill + 25 points for 3rd bill)	25

• 1. Cheque book request:
  1. i. A customer can earn 20 Axis eDGE Reward points for only one cheque book request per month for request raised using Axis Mobile/Axis Bank Internet banking.
• 2. Fixed deposit request:
  1. i. A customer can earn 100 Axis eDGE Reward points per fixed deposit creation subject to maximum 300 Axis eDGE Reward Points for 3 fixed deposits creation per month. Provided the said fixed deposits are created using Axis Mobile / Axis Bank Internet banking and the tenure of the fixed deposit should be a minimum of 6 months.
  2. ii. The fixed deposit created should be active at the time of credit of Axis eDGE Reward points.
  3. iii. If a customer invests in a fixed deposit and breaks the same prior to Axis eDGE reward points being credited, the transaction will not be eligible for points credit.
• 3. Bill Payments:
      A customer can earn up to 100 Axis eDGE Reward points for a maximum of 3 bill payments a month.
  1. i. For 1 bill payment in a month, customer will earn 50 Axis eDGE Reward points.
  2. ii. For 2 bill payments in the same month, a customer will earn 75 (50+25) Axis eDGE Reward points.
  3. iii. For 3 bill payments in the same month, a customer will earn 100 (50+25+25) Axis eDGE Reward points
  4. iv. The bill payments across Axis Mobile / Axis Internet Banking cannot exceed a total of 3 bills payment transactions. If a customer makes 3 bill payments on Axis Mobile and 1 bill payment on Axis Internet Banking, he/she will be rewarded for a total of 3 bill payments only, which is 100 Axis eDGE points.
  5. v. A customer will need to make 3 bill payments to separate billers only. If the customer makes multiple payments to one biller during the calendar month, it will be considered as 1 bill payment only.
• 4. Axis Bank shall determine, from time to time, at its discretion, which Axis eDGE Rewards relationships or actions are eligible for inclusion/exclusion in the Axis eDGE Rewards program and how many Axis eDGE Reward points to be earned and on what basis.


• 5. A customer will be eligible to earn Axis eDGE Reward points on transactions (stated above), carried out on or post 5^th October 2017 only. Any transactions carried out before the said date will be not considered for Axis eDGE Reward points credit.


• 6. The customer can view these points under the ‘Earn Summary’ tab on the program website or call the Axis Bank call center.


• 7. The above T&C’s are in addition to the Axis eDGE Rewards program T&C’s mentioned herein - https://edgerewards.axisbank.com/axisMobile/terms-conditions


• 8. The program is non-negotiable and the reward points earned cannot be en-cashed.


• 9. Incomplete / rejected / invalid / returned /disputed or unauthorized/fraudulent transactions will not be considered for points credit.


• 10. Axis Bank will not be responsible or liable in case the transactions could not be completed due to malfunction, delay, traffic congestion on any telephone network or line, computer on-line system, servers or providers, computer equipment, software, or website.


• 11. In case of all matters relating to the program including any dispute or discrepancy relating to the earn rules or eligibility of any customer, Axis Bank’s decision shall be final and binding on accountholder in all respects.


• 12. Any person taking the advantage of this program shall be deemed to have read, understood and accepted these terms and conditions.


• 13. Any dispute relating to the program or the terms and conditions shall be subject to the jurisdiction of the courts in Mumbai only.


• *Axis eDGE Reward points earned on the above transactions shall be credited to the members account by 20th of the following month. For example: points for transaction done on 10th August 2017 will be credited by 20th September, 2017.



Burgundy

Effective 10^th November 2014, a Burgundy customer will earn 3x Axis 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 AxisDirect 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 Axis Bank Savings Account	500 Points	Points will be issued only on loading of amount through Axis Bank Savings Account
	Reloading of Travel Currency Card through Axis Bank Savings Account	250 Points	Points will be issued only on loading of amount through Axis Bank 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

^*Axis 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 Axis 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 AxisDirect 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 Axis 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




* Axis 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 Axis 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 Axis eDGE Reward points, subject to a maximum of 1000 Axis eDGE Reward points per month.

Example 2- Any customer remitting an amount of INR 2 Lakh will be credited 160 (80 points/lakh) Axis eDGE Reward points, subject to a maximum of 1000 Axis 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 Axis Bank Non-Resident customers) through online as well as offline modes will be considered for Axis 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 Axis eDGE Reward points credit under the above mentioned earn rules.
  
  For example:- If customer A sends USD 10,000 in an Axis Bank 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) Axis 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) Axis 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 Axis eDGE Rewards program will also apply.

^**Axis 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 Axis eDGE Reward points for any loan disbursals and/or anniversaries has been discontinued.

Product	Transaction	Points	Limit per financial year i.e. April – March
Home Loan	New Home Loan Disbursement	Slab 1:Less than or equal to 25 lacs --> 500 Points	Subject to first disbursement dates as per the respective slabs. One Time
		Slab 2:Greater than 25 lacs but less than or equal to 75 lacs --> 1000 Points
		Slab 3:Greater than 75 lacs --> 2000 Points
	Existing Home Loan Top Up	Slab 1:Less than or equal to 25 lacs --> 250 Points	Subject to first disbursement dates as per the respective slabs. One Time
		Slab 2:Greater than 25 lacs but less than or equal to 75 lacs --> 500 Points
		Slab 3:Greater than 75 lacs --> 1000 Points
	Vintage	Existing Home Loan customers would be awarded on completion of each anniversary. 1st year - 100 Points, 2nd year - 200 Points, 3rd year - 300 Points, 4th year - 400 Points 500 Points from 5th year onwards.	Based on Loan account opening date. Will be calculated for every year of completion of loan (current date - loan account open date) Points would be credited as per defined slabs.
Personal Loan	New Personal Loan Disbursement	Slab 1:Less than or equal to 3 lacs --> 150 Points	Reward Points will be awarded on disbursement as per the defined slabs
		Slab 2:Greater than 3 lacs but less than or equal to 5 lacs --> 300 Points
		Slab 3:Greater than 5 lacs --> 450 Points
Loan Against Property	New Loan against Property	Slab 1:Less than or equal to 25 lacs --> 500 Points	Reward Points will be awarded on disbursement as per the defined slabs
		Slab 2:Greater than 25 lacs but less than or equal to 75 lacs --> 1250 Points
		Slab 3:Greater than 75 lacs --> 2500 Points
Gold Loan	New Gold Loan Disbursement	150 Points to be awarded on disbursement of each Gold Loan
Auto Loan	New Auto Loan Disbursement	350 Points on successful completion of Post Disbursal Documents within 60 days period.	Points will be awarded one time only on completion of documentation requirements as defined within 60 days of Loan Disbursal date. The calculation will be as (Documentation received date - Loan Disbursal date should be <= 60 days)

^*Axis 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 Axis Bank Savings Account	250 Points	Points will be issued only on loading of amount through Axis Bank 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 Axis 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 Axis 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 Axis 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

^*Axis 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 AxisDirect Account	400 points	800 points	1200 points	One time, per member
	Take any one Family Menu action in your Birthday month*	50 points	100 points	150 points	Once 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

Points to be given to Primary Member

^*Axis 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 AxisDirect is eligible to earn Axis 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 AxisDirect Mobile App	250 points

^*Axis 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 Axis 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 Axis 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 Axis 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 Axis 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.

Bonus Reward Points
(effective as on 10th August 2017)

• 1. All aspects of the Axis eDGE Bonus Reward points program, hereon referred to as Bonus Reward points program, will be applicable only to successful transactions done by Axis Bank customers using an Axis Bank Credit or Debit Card. All applicable terms and conditions of the Axis Bank Credit and Debit Cards will be applicable to the Bonus Reward points program as well.
• 2. An offer being introduced under the Bonus Reward points program will hereon be referred to as Bonus Reward points offer.
• 3. The Bonus Reward points program will be applicable post the completion of the following:
  1. a. Successful completion of a transaction
  2. b. Credit of points – as per usual earn rules on the card being used by the customer – to the customer’s Axis eDGE Rewards account. The earned points will be referred to as Base Points, hereon.
  3. c. Axis eDGE Bonus Reward points, hereon referred to as Bonus Points or Bonus, applied on the Base Points defined under point 3(b), as given above.
• 4. The Bonus value will vary from merchant to merchant. List of participating merchants in the Bonus Reward Points program along with the applicable multiple on Base Points:-
  1. a. Condé Nast magazines (Vogue, GQ, Condé Nast Traveller, Architectural Digest)
     1. i. Flat 800 Bonus Points on taking single or multiple magazine subscriptions in single transaction using Axis Bank Credit & Debit Cards.
     2. ii. Transaction can be done from the link provided by Axis eDGE Rewards or directly on the Condé Nast website.

        Magazine Subscribed	MRP (INR)	Customer will subscribe the magazine for (INR)	Axis eDGE points to be credited to customer account
        Vogue	1800	1200	800
        GQ	1800	1200	800
        Condé Nast Traveller	900	600	800
        Architect	1050	700	800

  2. b. WanderTrails
     1. i. Flat 10X points on spends done through Axis Bank Credit & Debit Cards
     2. ii. A customer may earn a maximum of 8000 Bonus Points on Wandertrails in a cycle of 30 days. On reaching the 8000 Bonus Points mark within the cycle period, the customer will not earn any more Bonus Points on Wandertrails until Day 30 of the cycle. However, the customer will continue to earn Base Points as per the respective card's earn rules. The 31st day will mark beginning of a new cycle, referred as 'Day one' of the new 30-day cycle. Thereafter, the same rule as defined above shall apply again.
  3. c. Savaari
     1. i. Flat 10X points on spends done through Axis Bank Credit & Debit Cards.
  4. d. Surat Diamond Jewellery
     1. i. Flat 20X points on spends done through Axis Bank Credit & Debit Cards.
• 5. The points expiry rules for the Bonus Points accumulated by customers under the Bonus Reward Points program will be similar to those under the general terms and conditions applicable w.r.t. expiry of points on the Axis eDGE Rewards program.
• 6. Example of points calculation in the Bonus Reward Points program:-
  1. a. Customer uses Axis Bank Signature card to spend INR 1,000 at Cheapticket.in.
  2. b. Customer will earn base Axis eDGE Reward points = 1000/200*10 = 50
  3. c. Customer will earn Bonus Points as per the Bonus Reward Points program = ((50*10)-50) = 450
     (The Base Points and Bonus Points can be looked up in the Earn Summary page on the Axis eDGE Rewards website.)
• 7. On the conversion of a transaction to EMI, the Base Points will be reversed from the customer's account, however, the Bonus Points will not be reversed.
• 8. The Bonus Reward Points offer is defined as getting points over and above the respective card's base earn structure. In cases where there are two or more bonus offers applicable for a transaction, only one bonus point offer will be applicable.
  Example: My Zone Credit Card has 5X offer for spends on a particular merchant. In case there is a 10X Bonus Reward Points offer applicable at the same merchant outlet, then only the 10X Bonus Reward Points offer will apply.
• 9. The Bonus Points will be credited to customer's loyalty account within 15 days of the respective transaction.
• 10. In case of cash back offer at merchant outlet, where the Bonus Reward Points offer is applicable, the customer will earn Bonus Points as per card's base earn rate.
• 11. Axis Bank reserves the right to withdraw the Bonus Reward Points program at any point of time, without prior information / notice.
• 12. The Bonus Reward Points program's features are not to be used for conducting activities against any law of country, or de-frauding a citizen of India. Axis Bank reserves the right to take an action as per the Bank's decision at the time, in response to such an incident.
• 13. Axis Bank reserves the right to debit points, in case of an incidence of fraud. Axis Bank reserves the right to decide on such incident.
• 14. 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.
• 15. The terms and conditions of the merchant and those of the Axis eDGE Rewards program prevail along with the terms and conditions of the Bonus Reward points program.