Axis Bank Easy Access Digital Savings Account

The Axis Bank Easy Access Digital Savings Account can be opened online in 7 minutes with paperless application form, Video KYC (VKYC), Aadhaar and PAN. The account offers easy access to digital banking services and will have an Average Monthly Balance (AMB) of ₹10,000.

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Senior Citizen FD Rates 2025
Guaranteed Return
Guaranteed Returns
Includes Life Cover
Includes Life Cover
Completely Tax Free+
Completely Tax Free+
3 Benefits, 1 Plan
Maximum returns offered by:
7.4%* (Tax-Free)

Guaranteed Plan

(By Insurance companies)
4.6%* (After Tax)

Fixed Deposit

(Offered by Banks)
4.0%*

Savings Account

(Post Office)
Maximum returns Offered by Guaranteed

6.5%**

Fixed Deposits

(by SBI bank)

(5-10 Years)

6.9%***

Public Provident Fund

(other popular options)

(15 Years)
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13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Get Guaranteed returns up to 7.4%*

Fully Tax-Free, Life Cover Included

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We are rated++
rating
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

What is the Axis Bank Easy Access Digital Savings Account?

The Axis Bank Easy Access Digital Savings Account gives qualified customers an opportunity to open a savings account in India online. Once the necessary verification has been made, customers are able to enjoy various digital banking services making it convenient to use in day to day banking.

Features and Benefits of Axis Bank Easy Access Digital Savings Account

The Axis Bank Easy Access Digital Savings Account is a convenient banking account that is a combination of digital convenience and everyday banking facilities.

  • High debit card limits: Enjoy a cash withdrawal limit of up to ₹40,000 per day and shopping limit of up to ₹1 lakh on eligible debit cards.
  • Instant E-Debit Card: Get an instant E-Debit Card when the Axis Bank savings account is opened and receive a physical Online Rewards Debit Card at your registered address.
  • Movie ticket offers: Enjoy Buy 1 Get 1 ticket deals on the booking of movie tickets via BookMyShow with the usage of the eligible E-Debit Card.
  • EDGE REWARD Points: You earn accelerated EDGE REWARD Points on the qualifying online and offline purchases made with the help of the physical Rewards Debit Card.
  • Shopping discounts: Get exclusive offers, such as discounts on shopping via Grab Deals on apps like Flipkart and Amazon.in, and offers on various partner brands.
  • Insurance benefits: Insurance benefits and purchase protection apply to Eligible physical Rewards Debit Cards in accordance with the terms and conditions of the bank.
  • 250+ banking services: Choose over 250 banking services including instant Fixed Deposits (FDs), Recurring Deposits (RDs), loans, insurance products, digital banking services, and customer special offers.
  • WhatsApp banking: Do Axis Bank balance check and manage your account, open FDs, block cards, and pay bills on WhatsApp.

Eligibility Criteria and Documents Required

Here’s the basic eligibility and document requirements to open the Axis Bank Easy Access Digital Savings Account:

  • The customer should be an Indian citizen.
  • Valid and linked PAN and Aadhaar.
  • Smartphone or laptop with a working camera.
  • Camera and location access for verification.
  • Aadhaar-linked mobile number.
  • First deposit using Debit Card, Internet Banking, or UPI.
  • Initial funding cannot be done by use of Credit Cards.

How to Open the Axis Bank Easy Access Digital Savings Account

The process of opening an account usually involves the following steps:

  • Visit the Website or App: Visit the Axis Bank official site or mobile application.
  • Select the Account: Select the Easy Access Digital Savings Account.
  • Enter Your Details: Fill in your personal and contact information.
  • Complete Digital KYC: Finish the identity verification process online.
  • Submit the Application: Review and send your application.
  • Activate Your Account: Digital banking is provided after verification.

Fees and Charges for the Axis Bank Easy Access Digital Savings Account

The following are important balance requirements and charges to be considered when opening the Axis Bank Easy Access Digital Savings Account.

Particulars Details
Initial funding ₹16,000 (Metro), ₹15,000 (Urban), ₹10,000 (Semi-Urban and Rural)
Average Monthly Balance (AMB) ₹12,000 (Metro and Urban), ₹5,000 (Semi-Urban), ₹2,500 (Rural)
Virtual Debit Card fee ₹500 + GST
Physical Debit Card issuance fee Nil
Physical Debit Card annual fee ₹500 + GST

FAQs

  • How much is the withdrawal limit of the Axis Bank Easy Access Digital Savings Account?

    Eligible debit cards come with a daily ATM withdrawal limit of ₹40,000, a shopping limit of ₹1 lakh, and 30 free ATM transactions per month at any bank ATM. This makes it one of the best savings accounts to use in daily banking.

  • Is an Easy Access Digital savings account a zero balance account?

    No. In comparison to Axis Bank zero balance account, the Easy Access Digital Savings Account demands an average monthly balance (AMB) of ₹10,000.

  • Is it possible to add a nominee to my Axis Bank Easy Access Digital Savings Account?

    Yes. Axis Bank allows you to add or replace a nominee on your savings account either in the branch, Internet Banking or through other available banking channels, depending on the bank's guidelines.

  • How can I check my Axis Bank Mini Statement?

    You can view your Axis Bank mini statement on the axis mobile application, internet banking, an Axis Bank ATM, SMS banking, or at your closest Axis Bank branch. It gives you the information on your latest account transactions.
Calculators

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
* Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy male of 18 years old paying Rs. 30,000/- monthly (exclusive of all applicable taxes)
** Fixed deposit rate applicable for 5 year's 1 day to 10 years for investment amount less< 2 Crore ( Not for senior citizens).
*** PPF interest rate applicable for 15 years for investment amount upto 1.5 Lac
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
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