Axis Bank Savings Account - Use without a debit card?

[pothi]

Since the cost of yearly fee keeps rising, I want to get rid of debit card.

Just now, I received a Visa debit card that costs Rs.300 + GST, as a replacement for the existing RuPay card that is less costlier in general. I am yet to activate the new card.

I don’t really need a debit card. I hardly use / withdraw cash. I am fine with internet banking. I don’t need UPI (from Axis). Is it possible to use Axis bank savings account without the (physical or virtual) debit card?

 

[0xfallup]

@Batmanbaba knows better

 

[D₹V]

But most internet Banking apps ask for DC details for verification.

 

[Trust Me]

I don’t really need a debit card. I hardly use / withdraw cash. I am fine with internet banking. I don’t need UPI (from Axis). Is it possible to use Axis bank savings account without the (physical or virtual) debit card?

Yes, it's very much possible. I do have a DC which I never have to use.

On the other hand, if you were an ICICI SB account holder, you couldn't do transactions via netbanking without a DC !

 

[Trust Me]

But most internet Banking apps ask for DC details for verification.

Is that specific to mobile banking only? I believe most banks don't force a DC on you for everyday things like netbanking. In fact ICICI is the only bank which does this amongst the many that I use or have used. This is also the single most important reason why I rarely use my ICICI account.

 

[D₹V]

Is that specific to mobile banking only? I believe most banks don't force a DC on you for everyday things like netbanking. In fact ICICI is the only bank which does this amongst the many that I use or have used. This is also the single most important reason why I rarely use my ICICI account.

Can be asked for verification in internet Banking too.

 

[pothi]

I have switched mobiles and have switched the registered mobile number too. DC details were not asked so far. Of course, we can't predict the future. In the name of security,, things may change in the future.

 

[Trust Me]

Can be asked for verification in internet Banking too.

Which bank and which situation? I know it might be required for initial setup (which may usually be bypassed at the branch). Isn't the OTP method provided as an alternative?

For a long time now I didn't need my DCs for day to day banking. Except for ICICI.

 

[D₹V]

Which bank and which situation? I know it might be required for initial setup (which may usually be bypassed at the branch). Isn't the OTP method provided as an alternative?

For a long time now I didn't need my DCs for day to day banking. Except for ICICI.

If you're okay to deal with branch method then close the DCs.

 

[Trust Me]

If you're okay to deal with branch method then close the DCs.

Hehe. All the DCs I have now are free! If I get into some issue someday (haven't for a long time), perhaps they would save me a trip to a branch. 🙂

 

[hks789]

Since the cost of yearly fee keeps rising, I want to get rid of debit card.

Just now, I received a Visa debit card that costs Rs.300 + GST, as a replacement for the existing RuPay card that is less costlier in general. I am yet to activate the new card.

I don’t really need a debit card. I hardly use / withdraw cash. I am fine with internet banking. I don’t need UPI (from Axis). Is it possible to use Axis bank savings account without the (physical or virtual) debit card?

Yes you can. I called customer care to cancel all my axis debit cards. Later I took a free rupay atm only card(No online or debit card features). It doesn't have any issuance or renewal fees

 

[AritraSaha]

Since the cost of yearly fee keeps rising, I want to get rid of debit card.

Just now, I received a Visa debit card that costs Rs.300 + GST, as a replacement for the existing RuPay card that is less costlier in general. I am yet to activate the new card.

I don’t really need a debit card. I hardly use / withdraw cash. I am fine with internet banking. I don’t need UPI (from Axis). Is it possible to use Axis bank savings account without the (physical or virtual) debit card?

Yeah.. its possible..

I setup my net banking with customer id.
& Mobile banking with netbanking details.

Also in future axis might enable aadhar based upi pin.

So you should be good.

Axis bank give a free atm card(only for atm) you can take that.

 

[Batmanbaba]

you can easily use axis account without any debit card...best to take atm card...its free...but u can only do atm cash withdrwl with it....no pos or ecom transaction.....but it will work for other purposes like upi pin change

 

[pothi]

RM called me after a complaint via Twitter. He basically said the ATM-only-card can be issued only for salary account holders.

I ended up using the Visa variant issued upon renewal as the renewal fee was deducted a month earlier (in October).

I plan to switch to Liberty account after a year along with family banking.

 

[Batmanbaba]

RM called me after a complaint via Twitter. He basically said the ATM-only-card can be issued only for salary account holders.

I ended up using the Visa variant issued upon renewal as the renewal fee was deducted a month earlier (in October).

I plan to switch to Liberty account after a year along with family banking.

U CAN EASILY UPGRADE UR EXISTING debit card to atm card via axis netbanking or app.....never listen to these bank people.....

 

[pothi]

U CAN EASILY UPGRADE UR EXISTING debit card to atm card via axis netbanking or app.....never listen to these bank people.....

Tried it. I think that's how I got RuPay variant 5 years ago. Now, it says my account is not eligible for upgrades. Not just for debit card, but a few other things aren't working as expected. I will try after a month as this month (November) is the actual month of expiry for the previous card. Like credit cards, there may be a cool off period for debit cards. I don't know. But, I will keep checking once in a while even if I am not lucky next month either.