Axis Bank Delight Debit Card – Benefits, Fees & Eligibility

Introduction

The Delight Debit Card, issued by Axis Bank, is designed for Savings and Salary Account holders, offering a blend of lifestyle benefits and high transaction limits. It stands out with a complimentary annual Times Prime Membership on activation and renewal, along with attractive discounts on popular platforms like Swiggy, TataCliq, and BookMyShow. Cardholders also enjoy domestic airport lounge access and comprehensive insurance coverage, making it suitable for those seeking value-added features on their daily transactions.

Welcome Benefits

• Enjoy a complimentary Annual Times Prime Membership worth ₹1,199 upon completing 3 transactions within the first 60 days of account opening.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit: ₹1 lakh
• Daily POS/Online Transaction Limit: ₹5 lakh
• Contactless Payment Limit: Up to ₹5,000 per transaction.
• International Usage: The card allows transactions across the world. This service can be easily enabled through the Axis Bank mobile app or by calling customer care.

Fees and Charges

• Card Platform: Visa/Mastercard
• Issuance Fees (Primary/Joint): ₹1500
• Annual Fees (Primary/Joint): ₹1500
• Replacement Fee: ₹200
• Domestic ATM Cash Withdrawal Charges: ₹23 (applicable beyond the set free limit)
• Domestic ATM Non-Financial Transaction Charges: ₹10 (applicable beyond the set free limit)
• International ATM Cash Withdrawal Charges: ₹125
• International ATM Non-Financial Transaction Charges: ₹25
• Cross-Currency Mark-up: 3.5% will be levied on all international cash withdrawal and purchase transactions.
• Dynamic Currency Conversion (DCC) Markup Fee: 1% plus GST will be applicable.
• Goods and Service Tax (GST): Applicable on all mentioned fees & charges.

Rewards & Offers

• Milestone Benefit: Enjoy renewal of your Annual Times Prime Membership worth ₹1,199 upon achieving annual spending of ₹2 lakh.
• Discount Offers on Top Brands:
  • Swiggy: Up to 25% off on food spends. Use code: AXIS150. (Minimum order value: ₹400, Maximum discount: ₹150/transaction. Offer valid 3 times per month).
  • TataCliq: Up to 10% off on shopping spends. Use code: AXISDELIGHT. (Maximum discount: ₹500 per transaction, offer valid 2 times per month).
  • BookMyShow and INOX: Up to 50% off on movie purchases.
• Airport Lounge Access: Access to one domestic lounge at select airports per calendar quarter.
  • Complimentary domestic airport lounge access is based on a minimum eligible spend of ₹5,000 in the previous 3 calendar months.
  • For a newly issued Debit Card, the minimum spend criteria is waived for the month of issuance as well as for the following 3 months.
• Dining Delights with Eazy Diner: 15% instant discount up to Rs 500 on a minimum bill value of Rs.2500. Valid once per card per month.
• Insurance Coverage:
  • Personal accident insurance cover of ₹5 lakh
  • Air accident cover of ₹1 crore
  • Purchase protection cover up to ₹50,000
  • Price protection cover up to ₹50,000
  • Travel insurance for lost baggage or delay in baggage and travel documents up to 500 USD

Account & Eligibility Criteria

• Eligibility: All Axis Bank customers who have a Savings or Salary Account are eligible for the Delight Debit Card.
• Ineligibility: Burgundy, Priority, NRIs, no-frills, and basic saving account holders cannot apply for this card.
• Documentation: No extra documents are required for issuing the Delight Debit Card to existing Axis Bank Savings Account customers.
• Application: Apply by visiting your nearest branch or applying online.

Debit Card Review

The Delight Debit Card by Axis Bank is a premium offering best suited for individuals who frequently engage in online shopping, food delivery, and domestic travel, and can meet the annual spend threshold to maximize benefits. Its key strengths include a valuable Times Prime membership, substantial discounts on popular platforms, and comprehensive insurance coverage. However, the card comes with a notable annual fee of ₹1500, which requires cardholders to actively utilize its benefits and meet the ₹2 lakh annual spend for renewal waiver to justify the cost. The spend-based criteria for lounge access also means casual users might not always qualify. Overall, it offers good value for high-spending customers who can leverage its lifestyle perks.

Important Product Details

• Card Variant: Visa/Mastercard
• Positive Highlights:
  • Complimentary Annual Times Prime Membership worth ₹1,199 on activation and renewal.
  • Attractive discounts on Swiggy (up to 25%), TataCliq (up to 10%), and BookMyShow/INOX (up to 50%).
  • One complimentary domestic airport lounge access per calendar quarter.
  • High daily transaction limits: ₹1 lakh for ATM withdrawals and ₹5 lakh for purchases.
  • Comprehensive insurance coverage including personal accident, air accident, purchase protection, price protection, and travel insurance.
  • International usage capability.
• Negative Highlights:
  • High Issuance and Annual Fees of ₹1500 each.
  • Lounge access and Times Prime renewal are subject to minimum spend criteria.
  • Charges applicable for ATM cash withdrawals and non-financial transactions beyond free limits.
  • Cross-currency mark-up of 3.5% and DCC markup fee of 1% plus GST on international transactions.

Other Details

• Debit Card PIN Generation: Generate your Debit Card PIN anytime at your nearest Axis Bank ATM, by calling Axis Bank Phone Banking, Axis Mobile App, or Axis Internet Banking.
• Instant Card Blocking: In case of emergency or suspected misuse, block your card instantly by:
  • SMS ‘BLOCKCARD ’ to 5676782.
  • Calling Emergency Helpline Number +91-22-67987700 or toll-free number 1800-103-5577.
  • Logging into Internet Banking and selecting ‘Block Card’.
  • Logging into Axis Bank Mobile App and selecting ‘Block and Replace’.
• Instant Alerts: Receive instant SMS alerts for cash withdrawals, balance inquiries, debit/credit alerts, and transaction details.
• Legal Disclaimer: Customers are advised not to use their Debit Card or online banking for collecting/effecting/remitting payments directly/indirectly outside India for overseas foreign exchange trading through electronic/internet trading portals, as this may contravene FEMA, 1999 and KYC/AML regulations.
• Terms and Conditions: General terms and conditions apply to the use of the Debit Card and its benefits.