Axis Bank Smart Pay Card is genuinely smart as it allows electronic disbursement of salaries, incentives, and reimbursements anytime, anywhere. Key features include no minimum balance requirement, nationwide validity at Axis Bank ATMs, a high ATM withdrawal limit of ₹20,000 and a purchase limit of ₹1 lakh.
The primary benefits of the Smart Pay Card include eliminating the need to maintain separate salary accounts and enabling hassle-free cash transfers. It offers instant and secure payments, emergency assistance and the option to transfer unutilised balance to the bank, simplifying money management.
The Smart Pay Card can be used at all Axis Bank ATMs in India as well as at any merchant establishment for purchase transactions in India
Secure and convenient electronic payments ensure instant payouts and empower your employees with anywhere-anytime money.
The Axis Bank Smart Pay Card facilitates cash withdrawal and point-of-sale transactions at merchant outlets.
The Smart Pay eliminates the need for a separate salary account.
24-Hour Emergency Helpline: In case the card is lost, you may call our 24-hour emergency helpline 022-67987700 to block the card.
Click here for the detailed BCSBI Codes.
Click here to view the terms and conditions for Axis Bank Smart Pay Card.
Read MoreDaily cash withdrawal of ₹20,000 at Axis Bank ATMs.
Daily point of sale transaction limit of ₹50,000.
Click here to view the terms and conditions for Axis Bank Smart Pay Card.
Please click here to view the terms and conditions for Axis Bank Smart Pay Cards in Hindi
Smart Pay Card eligibilty
No bank account or average quarterly balance maintenance is required.
Fees & charges for Prepaid Smart Pay Card Include Issuance Fees, Annual fees, Replacement Fees & Loading Charges.
Explore useful links to find the best options for your financial needs and lifestyle.
The Axis Bank Smart Pay Card is designed for making hassle-free disbursements of salaries/petty cash /reimbursements to your blue collar employees. With secure and convenient electronic payments it ensures instant pay outs and empowers your employees with anywhere-anytime money.
Corporates can only avail this card for their employees.
The Axis Bank Smart Pay card is issued on the Rupay Platform and can be used to withdraw cash or at any merchant outlets across the country.
ATM access is provided on Axis Bank Smart Pay Cards for cash withdrawal and balance enquiries.
Yes, the card can be used for making online purchases once E-commerce transactions are enabled on the card.
Process to enable E-commerce transactions:
https://www.axisbank.com>Login>Cards>Prepaid Cards> Username> Password> Manage Card Usage.
The Axis Bank Smart Pay cards can be loaded for amounts varying between ₹500 to ₹1,00,000 in a day, subject to available balance in the card.
The Axis Bank Smart Pay card can be loaded for up to ₹1,00,000 per day, subject to available balance in the card.
Cardholders can check their balance through Axis Bank ATM and Customer Portal through the steps mentioned below-
The Axis Bank Smart Pay card is a reloadable card. It can be loaded by the corporate as and when desired, subject to the maximum balance allowable limit.
To activate the card, cardholder needs to set 4-digit PIN first either via customer portal or Axis Bank ATM.
A. Process through Customer Portal
STEP 1: Visit https://prepaid-customer.axisbank.com/customerportal OR https://www.axisbank.com > Login > Cards > Prepaid Cards >
STEP 2: Registration*> Enter card no/ pack ref, expiry details & mobile number > Set Username & Password > Login > Green PIN > Enter new 4 digit Pin > Enter OTP
B. Process through ATM
STEP 1: Insert prepaid card in Axis Bank ATM > Other Transactions > Set Pin > Generate OTP > Enter DOB in YYYYMMDD format and Card Expiry date > Enter registered mobile number > 4-digit OTP will come in receipt
STEP 2: Insert prepaid card in Axis Bank ATM > Other Transactions > Set Pin > Set PIN Having OTP > Enter 4-digit OTP > Enter new PIN > Enter new PIN > New PIN is SET
In case of loss or theft, report it immediately through any of the following channels:
https://www.axisbank.com > Login>Cards>Prepaid card> Username>Password> Card Lock.
In case your prepaid card expired, employer/ employee may write to prepaidcard.support@axisbank.com along with card last four digits & register mobile number against card.
Once reported, the lost card will be hot listed, and the available balance (less applicable charges) will be transferred to a new card issued to you.
Upon expiry of the card, the purchaser must return the card to the nearest Axis Bank branch. If the card has a remaining balance of INR 100 or more, the amount will be refunded to the original purchaser in a similar instrument, after deducting applicable bank charges.
The cardholder can generate a duplicate PIN through the steps mentioned below-
Customer portal-
Visit https://prepaid-customer.axisbank.com/customerportal > Register here> Enter card no/ packet reference number, expiry details & mobile number > Set Username & Password> Login> Green PIN> Enter new 4 digit Pin > Enter OTP.
Axis Bank ATM-
STEP 1: Insert prepaid card in Axis Bank ATM > Other transactions >Set Pin > Generate OTP > Enter DOB in YYYYMMDD format and Card expiry date > Enter registered mobile number > Enter 4-digit OTP received.
STEP 2: Insert prepaid card in Axis Bank ATM > Other transactions > Set Pin > Set PIN using OTP > Enter 4-digit OTP received > Enter new PIN > New PIN is set.
Visit https://prepaid-customer.axisbank.com/customerportal > Forgot Password> Username> Set New Password>Confirm Password.
To check the transactions on customer portal, visit https://www.axis.bank.in>Login>Cards>Prepaid Cards> Username> Password> Card statement.
Look through our knowledge section for helpful blogs and articles.
Technology has simplified personal finance at every turn, from cashless transactions to expense tracking and filing income tax returns....
Are you paying your bills on time, but still have to deal with a low credit score? The problem could be your...
Have you been getting a slew of notifications recently for recurring payments you had...
As the festive season approaches, many people may be gearing up for travel. Whether visiting...
Copyright@ 2026 Axis Bank
