Axis Bank Debit Card Charges: Withdrawal Charges Per Year, Decline Charges

Axis Bank offers various debit cards, each with different benefits and charges. Knowing the debit card charges you must pay is essential as an existing Axis Bank account holder. You must also know the charges applicable to your Axis Bank savings account to choose the best bundle of benefits. 

Axis Bank debit card annual charges depend on the type and variant of your ATM/debit card. It is always best to check the Axis Bank debit card charges before applying for a new debit card in your bank.

Axis Bank ATM Charges per year in 2025

Axis Bank debit card types and charges are co-related. Follow this table to know the Axis Bank types and charges in 2025:

Axis Bank ATM Withdrawal Charges

Axis Bank allows you to withdraw cash from an ATM for free up to a specific limit every month. When you cross this limit, Axis Bank debits ATM withdrawal charges from your account. 

The Axis Bank debit card charges depend on the card variant and your account type. You can ask your branch’s executive or customer support team to know the limit. Beyond this free limit, you have to pay charges as applicable:

• Cash withdrawal fee domestic (savings A/c) ₹21 per transaction
• Cash withdrawal fee domestic (current A/c) ₹20 per transaction
• Cash withdrawal fee international ₹125 per transaction

Axis Bank ATM Charges per Transaction

Beyond the free limit of your Debit card, these are the ATM charges applicable per transaction:

• Financial Transactions: You must pay a charge of ₹20 + GST for every financial transaction (such as cash withdrawals).
• Non-Financial Transactions: After the free limit, you must pay a fee of ₹8.50 + GST for every non-financial transaction (like balance inquiry, PIN change, etc.).

Axis Bank Declined Transaction Charges

If a transaction declines due to insufficient funds in your account, Axis Bank will impose fees on you. The charges are different depending on the type of savings account you have.

If your transaction fails during ATM cash withdrawal for insufficient funds in your savings account, you have to pay ₹25 for every instance (at non-Axis Bank ATM). However, for Axis Bank ATM, the charge is Nil.

If the same happens at POS terminals, you will be charged a flat fee of ₹25 per incident. To know the exact charges applicable, you can read the terms and conditions before opening a new account or contact the customer support team at 1800 103 5577.

Axis Bank Unlimited Free Transactions

In Axis Bank, generally, you can get 3-5 debit card transactions free at an ATM with your debit card. However, with some savings account variants, you can get higher limits or unlimited free transactions with your debit card. Here is the list:

• Burgundy Savings Account (Unlimited ATM Transactions)
• Burgundy Salary Account (Unlimited ATM Transactions)
• Prime Savings Account (30 transactions/month)
• Prestige Savings Account (30 transactions/month)
• Prime Savings Account/Salary Account (30 transactions/month) 
• Liberty Savings Account/Liberty Salary Account (30 transactions/month)

Understanding Axis Bank debit card charges is crucial for managing your finances effectively. Different card variants come with unique benefits, joining fees, annual fees, and transaction charges. Knowing these charges, including withdrawal limits, declined transaction fees, and free transaction allowances, helps you choose the most suitable option. Always review the terms or consult customer support to avoid unexpected costs. By staying informed, you can maximize the benefits of your Axis Bank savings account and debit card.

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