Axis bank gold credit card fair practice code

Fair Practice Code:

1. In the Code, 'you' denotes the credit card customer and 'we' denotes Axis Bank. The standards of the Code are governed by the four key commitments detailed in paragraph titled 'Key Commitments'.

Unless stated otherwise, all parts of this Code apply to all the credit card products and services, whether we provide them across the counter, over the phone, on the internet or by any other method.

Commitments outlined in this Code are applicable under normal operating environment. In the event of force majeure, we may not be able to fulfill the commitments under this Code.

Key Commitments

We promise to:

1. Act fairly and reasonably in all our dealings with you by:

* Meeting the commitments and standards in this Code, for the products and services we offer, and in the procedures and practices our staff or agents follow

* Making sure our products and services meet relevant laws and regulations ensuring that our dealings with you will rest on ethical principles of integrity and transparency.

* Not engaging in any unlawful or unethical consumer practice.


1.Credit card is a plastic card with a credit facility, which allows you to pay for goods and services or to withdraw cash.

2.Help you to understand how our credit card products and services work by giving you the following information in a simple language:

* What are the benefits to you
* How you can avail of the benefits
* What are their financial implications
* Whom you can contact for addressing your queries and how


3.Deal quickly and effectively with your queries and complaints by:

* Offering channels for you to route your queries
* Listening to you patiently
* Accepting our mistakes, if any
* Correcting mistakes or implementing changes to address your queries
* Communicating our response to you promptly
* Telling you how to take your complaint forward if you are not satisfied with the response


4.Publicize this Code, by making it available for public access on our website and make copies available for you on request.

Information (To help you to choose products and services, which meet your needs)

1.Before you become a credit card customer, we will:

* Give you information explaining the key features of our credit card products including applicable fees and charges

* Advise you what information or documentation we need from you to enable us to issue credit card to you. We will also, advise you what documentation we need from you with respect to your identity, address, employment etc., and any other document that may be stipulated by statutory authorities (eg, PAN details), in order to comply with legal and regulatory requirements

* Verify the details mentioned by you in the credit card application by contacting you on your residence and/or business telephone numbers and/or physically visiting your residence and/or business addresses through agencies appointed by us for this purpose, if deemed necessary by us.


2.While you apply for credit card, we will explain the relevant terms and conditions such as fees and interest charges, billing and payment, renewal and termination procedures and any other information that you may require to operate the card.

3.We will advise you of our targeted turn around time while you are availing or applying for a product or service.

4.We will send a service guide or member booklet giving detailed terms and conditions, interest and charges applicable and other relevant information with respect to usage of your credit card along with your first credit card.

5.We will advise you our contact details such as contact telephone numbers, postal address, website or email address to enable you to contact us whenever you need to.

6.If you do not recognize a transaction, which appears on your credit card statement, we will give you more details if you ask us. In some cases, we may need you to give us confirmation or evidence that you have not authorized a transaction.

7.We will inform you, through our service guide or member booklet of the losses on your account that you may be liable if your card is lost or misused.

Tariff (Fees or charges or interest)

1.You can find our schedule of common fees and charges (including interest rates) by:

* Referring to the service guide or member booklet
* Calling up on customer service numbers
* Visiting our website; or
* Asking our designated staff.

2.When you become a customer, we will provide you information on the interest rates applicable on your credit card and we will charge the same to your credit card account, if applicable.

3.If you ask us, we will explain how we apply interest to your account.

4.Changes in our tariff: When we change our tariff (interest rate or other fees or charges) on our credit card products, we will update the information on our telephone helpline or website.

Marketing Ethics

1.Field personnel


* Our sales representatives will identify themselves when they approach you for selling card products.

* We have prescribed a code of conduct for our Direct Selling Agents (DSAs) whose services we may avail to market credit card products.

* In the event of receipt of any complaint from you that our representative has engaged in any improper conduct, we shall take appropriate steps to redress the complaint.


2.Telemarketing

* If our telemarketing staff or agents contact you over phone for selling any of our credit card products or with any cross sell offer, the caller will identify himself or herself and advise you that he or she is calling on our behalf.

Issuance of credit card or PIN

6.1 We will dispatch your credit card only to the mailing address mentioned by you through courier or post. Alternatively, we shall deliver your credit card at our branches which maintain your banking account(s) under due intimation to you.

6.2 We may also issue deactivated (not ready to use) credit card if we consider your profile appropriate for issuing credit card and such deactivated card will become active only after your acceptance of the same.

6.3 PIN (Personal Identification Number) whenever allotted, will be sent to you separately.
Account Operations

* Credit card statements

1. To help you manage your credit card account and check details of purchases or cash drawings using the credit card, we will offer you a facility to receive credit card transaction details either via monthly mail or through the Internet. Credit card statement will be dispatched on a predetermined date of every month which will be notified to you.

2. In the event of non-receipt of this information, we expect you to get in touch with us so that we can arrange to resend the details to enable you to make the payment and highlight exception, if any in a timely manner.

3. We will let you know or notify changes in schedule of fees and charges and terms and conditions. Normally, changes (other than interest rates and those which are a result of regulatory requirements) will be made with prospective effect giving notice of at least one month.

* Protecting your account

1. We will advise you what you can do to protect your credit card from misuse.

2.In the event your credit card has been lost or stolen, or that someone else knows your PIN or other security information, we will, on your notifying us, take immediate steps to try to prevent these from being misused, subject to operating regulations and law in force.

* Processing activities at our end

We may allow processing of credit cards related activities including operations and cross selling to third party agencies that we consider appropriate for these purposes.

Confidentiality of account details

We will treat all your personal information as private and confidential (even when you are no longer a customer). We will not reveal transaction details of your accounts to a third party, including entities in our group, other than in the following four exceptional cases when we are allowed to do:-

* if we have to give the information by law

* if there is a duty towards the public to reveal the information

* if our interests require us to give the information (eg, to prevent fraud) but we will not use this as a reason for giving information about you or your accounts (including your name and address) to anyone else, including other companies in our group, for marketing purposes

* if you ask us to reveal the information, or if we have your permission to provide such information to our group or associate or entities or companies when we have tie-up arrangements for providing other financial service products.


Collection of dues

Our bank's dues collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself or herself and interact with you in a civil manner. We will provide you with all the information regarding dues and will give sufficient notice for payment of dues. Our staff or agents are governed by Model Code for Collection of Dues and Repossession of Security issued by Indian Banks' Association.

Redressal of grievances

1.Redressal of your complaints internally


* We have a Grievance Redressal Cell within the organization. If you want to make a complaint, we will tell you how to go about it and what to do if you are not happy about the outcome. Our staff will help you with any queries you have.

* Our complaint handling procedure is displayed on our website. The timeframe for responding to your complaints and escalation process etc., are also displayed on the website.


2.Banking Ombudsman Service and other avenues for redressal. Within 60 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Banking Ombudsman appointed by Reserve Bank of India under Banking Ombudsman Scheme 2002.

Termination of credit card

* You may terminate your credit card by giving notice to us and by following the procedure laid down by us in our service guide or member booklet after clearing outstanding dues, if any.

* We may terminate your credit card, if in our opinion you are in breach of the cardholder agreement.

Feedback and suggestions

Please provide feedback on our services. Your suggestions will help us to improve our services.

Axis Bank Gold Credit Card Fees & Charges

Fees and charges

Joining fees and annual fees

There are joining fees, annual fees and renewal fees applicable on the credit card(s) issued by the Bank. Such fees vary from cardmember to cardmember, and from particular description of credit card to credit card. The applicable fees shall be as communicated to the cardmember at the time of applying for the credit card and/or at the time of issuance of the said credit card. Further, such fees, as applicable, are directly charged to the cardmember's account and are indicated on the card statement accordingly.

Cash withdrawal or advance fees

The cardmember can use the credit card to withdraw cash from ATMs (Automated Teller Machines) in India or overseas in accordance with the compatibility of the Credit Card at the said ATM(s). A transaction fee shall be levied on all such withdrawals and would be billed to the cardmember in the next statement. The cash withdrawal transaction attracts a fee of 2.5% (subject to a minimum of Rs 150 for domestic ATM withdrawal and Rs 250 for International ATM withdrawal). The transaction fee is subject to change at the sole discretion of the Bank. Further all cash withdrawal transactions shall also carry a finance charge from the date of withdrawal until the date of full and final payment.

Schedule of charges and interest rates

i) All charges and fees, as applicable from time to time, are payable by cardmember(s) towards the services provided by the Bank to the cardmember(s) and/or for defaults or delays committed by the cardmember towards payments or otherwise of their respective credit card account(s).

ii) The Bank exclusively retains the right to alter any or all charges or fees from time to time or to introduce any new charges or fees, as it may deem appropriate, upon issuing at least a 30 day prior notice to the cardmember of such change or alteration in the charges or fees. It is clarified that the said change may be indicated or communicated to the cardmember through any media chosen exclusively by the Bank in its sole discretion.

These charges and conditions are subject to change without prior notice and also under various marketing programs. Service Tax of 12.36% is applicable on all fees, interests and other charges.

Finance Charges

I. Finance charges are payable at the monthly percentage rate on all charges including cash advances.

II. Financial charges also accrue on

a. Cash withdrawal from ATMs and ordering demand drafts.

b. For purchases, the finance charges accrue only if the total outstanding is not paid in total by the payment due date.

c. Late payment charges will be applicable, if minimum amount due is unpaid after payment due date.

d. Overlimit charges are payable on total outstanding exceeding the credit limit subject to a minimum of Rs 300.

e. Incase of balance transfer from other credit card accounts finance charges accrue immediately from the date of issue of banker's cheque on the transferred amount and on any purchase amount outstanding on your card account.

f. Finance charges payable are debited to your card account on the last date of each statement period and are shown on your statement.

g. The finance charges as above will continue to be payable even after the closure of the card account till the outstanding on the card is cleared fully.

h. For the finance charges applicable to your card account please refer to the schedule of charges. These charges can be reduced under different marketing programs or promotions. The marketing promotions vary from time to time and any changes will be communicated by the Bank to you.

i. The Bank may vary the charges, finance charges, fees and or cash advance fee for all or some of its facilities.

Interest Free Grace Period:

The interest free grace period could range from 20 to 50 days. However this is not applicable if the previous month's balance has not been cleared in full or if you have availed of cash from an ATM, or you have any outstanding towards Balance transfer.

* When does the customer pay interest?
The customer pays interest when he does not pay off his full beginning balance by the payment due date.

In such cases where there is some outstanding balance,

The following are the criteria for a customer to NOT PAY INTEREST

* Beginning balance is zero.

Has a beginning balance but pays off 100% of his full beginning balance by the payment due date.

Does not have any outstanding towards Balance transfer

* Interest Calculation-Retail Purchases
On the statement date, accrued interest will be posted on the account if the card account is a revolving card account.

Revolving Account - A revolving account is the one in which the customer does not pay off the entire balance outstanding (i.e. 100%), as of last statement by his payment due date.

* Interest Calculation Cash
Interest is accrued from the transaction date.

* How is cash advance different from a retail purchase?
Cash transactions always accrues interest versus retail purchases where interest accrual depends on the payment of 100% balance payment in full by payment due date.


Currently interest is also charged on all fees and interest levied by the Bank.

Example for Interest Computation
Assume that you have paid all previous dues in full and do not have any amount outstanding in your credit card account. You have purchased household goods for Rs 25,000 on 12th June and withdrawn cash from ATM for Rs 5,000 on 15th June. Your monthly statement is on 20th of every month. On 20th June, you would be levied interest on Rs 5,000 cash withdrawal for 6 days @ 2.95% per month ie, 5000* 6 days* 2.95%*12 months/360 days = Rs 29.50. Your due date for 20th June statement is 10th July and you pay Rs 5,000 on 10th July and you also make a fresh purchase of Rs 10,000 on 11th July, interest to be levied on 20th July would be as under:

Interest on Rs 25,000 @ 2.95% per month for 12th June to 20th July (39 days)	958.75
Interest on Rs 5,000 @ 2.95% per month for 21st June to 10th July (20 days)	98.33
Interest on Rs 10,000 @ 2.95% per month for 11th July to 20th July (10 days)	98.33
Interest on Rs 33.15 (Interest + Service Tax levied in last statement) @ 2.95% per month for 20th June to 20th July (31 days)	1.01
Total interest charged on 20th July	1156.42

Actual interest calculation would vary based on the individual purchase and revolve behaviour.

Late Payment Fee Calculation
Late Payment Fee is charged to the cardmember if there has been no payment or a payment less than the Minimum Amount Due is received by the payment due date. Late Payment Fee is charged at the rate of 30% of Minimum Due Amount, subject to a minimum of Rs 250.00 and a maximum of Rs 500.00.

Example:

The minimum payment due (MAD) is Rs 3,400.00

Statement date is 15/11/2006

Payment due date is 04/12/2006

In the above case if the customer does not make a minimum payment of Rs 3,400.00 by the payment due date ie, 04/12/2006, a Late Payment Fee of Rs 500 will be levied on 09/12/2006. This is worked out as per the following logic:

30% of current due is Rs 1,020.00

Minimum Late Fee charge is Rs 250.00

Maximum Late Fee charge is Rs 500.00

Axis Bank Gold Credit Card Exclusive Benefits

Gold Credit Card Sheer Surprises coming your way:

Axis Bank presents an exclusive credit card for exclusive people - Gold Credit Card. With it you can access special features and avail the best benefits.


PlusPoints Rewards

With your Axis Bank Credit Card, you earn 1 PlusPoint for every Rs. 100 spent on domestic transactions and 2 PlusPoints for every Rs 100 spent on international transactions.Make PlusPoints on your Axis Bank Gold Credit Card and redeem them for exciting rewards!

Axis Bank helps you make the most of every rupee you spend with your Axis Bank Gold (including Gold Plus) Credit Card. Redeem your PlusPoints for exciting lifestyle products, fine dining vouchers, gift vouchers and more.

You earn 1 PlusPoint for every Rs. 100 spent on domestic transactions and 2 PlusPoints for every Rs. 100 spent on international transactions. You can start redeeming your PlusPoints once you have accumulated a minimum of 500 PlusPoints. PlusPoints makes your Axis Bank Gold Credit Card, the most rewarding card for you. So the more you spend, the more you earn. And the more you earn, the better the reward. So, go ahead, reward yourself with PlusPoints!

Select exclusive rewards either by choosing your preferred category or as per the PlusPoints (through the range selector) that you may have accumulated as indicated on the left.

To redeem your PlusPoints, call our Customer Care on 022-25261201 or 1860-425-8888 (MTNL & BSNL lines only).

eShop Card

eShop Card is a virtual credit card that allows you to shop online securely without divulging your credit card details.

Making your online shopping more secure

Worried about revealing your credit card details on the Internet? Axis Bank presents the eShop Card. A virtual credit card that allows you to shop online securely without divulging your credit card details. All you need is your Axis Bank Credit Card and an Internet connection!
How?

Just follow these simple steps to start secure online shopping. Register Register once with your Axis Bank Credit Card details. Accept the terms and conditions and add personal details to get your unique login and password. Generate Simply specify the amount you want to shop for with your eShop Card. It should be within the available limit on your Axis Bank Credit Card. eShop! Now you are all set to shop online.

Please login or register below before you start shopping.

Please Note:

* Customers with Axis Bank Platinum, Gold Plus, Gold, Silver Plus, Silver, Corporate (Platinum, Gold, Silver), Secured (Platinum, Gold, Silver) and Trust Chemists Credit Cards can create eShop Cards.

* The eShop Card can be used for online purchases only.

* Do not reveal your eShop Card details for any transactions over mail/phone.

* Never disclose your passwords to anyone, even to the Bank's staff. In case you get an email asking you to enter your personal security details or a Bank staff approaches you to disclose your password, please report to us. You can send an email to customer.services@axisbank.com

Comprehensive Insurance Cover

Axis Bank Gold Credit Card includes a package of insurance benefits to set you mind at ease. The table below enumerates the benefits provided on Axis Bank Gold Credit Card.

No.	Cover Type	All Gold Card (in Rs)
1.	Personal Accident Cover	5,00,000
2.	Air Accident Cover	20,00,000
3.	Credit Shield	40,000
4.	Lost Card Liability	1,00,000
5.	Purchase protection	40,000
6.	Travel Delayed Baggage	10,000
7.	Travel - Lost Baggage	60,000
8.	Travel - Loss of passport	25,000

Mobile Alerts

Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts.

Global Acceptance

Axis Bank Gold Credit Card helps you to be in control anywhere in the world. The Axis Bank Gold Credit Card is accepted at over 23 million VISA accepting merchant establishments world-wide. This is in addition to over 2,50,000 VISA merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees.

Please Note: As per the RBI guidelines, you can use your card in Nepal and Bhutan for transactions in Indian Rupees only.

Global Emergency Assistance

Axis Bank Credit Card enables you to access the VISA International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*.

A fee is applicable for this service. Please call the Bank to get a copy of the VISA Global Assistance Service numbers abroad.

Global Emergency Assistance

Axis Bank Credit Card enables you to access the VISA International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*.

A fee is applicable for this service. Please call the Bank to get a copy of the VISA Global Assistance Service numbers abroad.

Interest Free period*

Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account.

*Applicable only if there is no outstanding in the card account ie, previous bill has been settled in full by the payment due date. Not applicable to cash transactions.

Revolve Facility

Get Extended Credit Facility with Axis Bank Gold Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience.

The repayment options available to you is as below:

* Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months

* Pay the total amount due.

* Pay any amount ranging from the minimum amount due to the total amount due.

Balance Transfer

Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially.

Cash Advance Facility

You can use your Axis Bank Gold Plus Credit Card to withdraw cash upto 10% of your credit limit from over 1 million VISA ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 18,000 ATMs that display the VISA sign.

Dial A Draft

The Axis Bank Gold Credit Card also provides you the Dial-a-Draft service that allows you to order a draft over the phone and pay for it in parts later. All you need to do is call the Bank and place your request. The draft will be delivered at your doorstep.

Please note: Dial-a-Draft facility entails a transaction charge as applicable. These also carry finance charges from the date of transaction until the date of settlement. Dial-a-Draft will be processed only against the available cash limit.

Auto Debit Facility

If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto Debit:

* Debit Total Amount Due
* Debit Minimum Amount Due (5% of the outstanding amount)


EMI Facility

EMI feature on Axis Bank Credit Card gives you the convenience of paying for High Value Credit Card transactions in easy EMIs

* Debit Total Amount Due
* Debit Minimum Amount Due (5% of the outstanding amount)

Gold Credit Card : EMI Facility

No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of Rs 5000 or more into EMI.

Here's how you benefit from PAY-BY-EMI

Pay in Parts: Now you don't need to pay back the entire amount upfront when you make big Credit Card purchases. Just enjoy the convenience of paying back in easy EMI.

Reduced interest rate: You enjoy a lower interest rate than the revolving interest rate you would normally pay on your Credit Card. Now convert your transaction into EMI at just Rs. 1.5% p.m.

PAY-BY-EMI options You have the option of converting your transaction of Rs. 5,000 or more into 6, 12 or 24 month EMI.

EMI per Rs. 1000 for each of these tenors is given below:
Tenor Option Monthly Installments Per Rs. 1,000
6 Months Rs. 175.53
12 Months Rs. 91.68
24 Months Rs. 49.92
Note: A one time Processing Fee of 1.5% or Rs. 150, whichever is higher will be charged to your Credit Card account.

Process of Conversion to EMI

* Make a purchase of a minimum of Rs. 5,000 on your Axis Bank Credit Card. Your Axis Bank Credit Card has to be minimum 3 months old.

* Convert your purchase to EMI through any of the following channels within 20 days of making the purchase.

* Call Axis Bank at 1860 425 8888
* SMS 'EMI' to 54646

Gold Plus Credit Card Fair Practice Code

Fair Practice Code:

1. In the Code, 'you' denotes the credit card customer and 'we' denotes Axis Bank. The standards of the Code are governed by the four key commitments detailed in paragraph titled 'Key Commitments'.

Unless stated otherwise, all parts of this Code apply to all the credit card products and services, whether we provide them across the counter, over the phone, on the internet or by any other method.

Commitments outlined in this Code are applicable under normal operating environment. In the event of force majeure, we may not be able to fulfill the commitments under this Code.

Key Commitments

We promise to:

1. Act fairly and reasonably in all our dealings with you by:

* Meeting the commitments and standards in this Code, for the products and services we offer, and in the procedures and practices our staff or agents follow

* Making sure our products and services meet relevant laws and regulations ensuring that our dealings with you will rest on ethical principles of integrity and transparency.

* Not engaging in any unlawful or unethical consumer practice.


1.Credit card is a plastic card with a credit facility, which allows you to pay for goods and services or to withdraw cash.

2.Help you to understand how our credit card products and services work by giving you the following information in a simple language:

* What are the benefits to you
* How you can avail of the benefits
* What are their financial implications
* Whom you can contact for addressing your queries and how


3.Deal quickly and effectively with your queries and complaints by:

* Offering channels for you to route your queries
* Listening to you patiently
* Accepting our mistakes, if any
* Correcting mistakes or implementing changes to address your queries
* Communicating our response to you promptly
* Telling you how to take your complaint forward if you are not satisfied with the response


4.Publicize this Code, by making it available for public access on our website and make copies available for you on request.

Information (To help you to choose products and services, which meet your needs)

1.Before you become a credit card customer, we will:

* Give you information explaining the key features of our credit card products including applicable fees and charges

* Advise you what information or documentation we need from you to enable us to issue credit card to you. We will also, advise you what documentation we need from you with respect to your identity, address, employment etc., and any other document that may be stipulated by statutory authorities (eg, PAN details), in order to comply with legal and regulatory requirements

* Verify the details mentioned by you in the credit card application by contacting you on your residence and/or business telephone numbers and/or physically visiting your residence and/or business addresses through agencies appointed by us for this purpose, if deemed necessary by us.


2.While you apply for credit card, we will explain the relevant terms and conditions such as fees and interest charges, billing and payment, renewal and termination procedures and any other information that you may require to operate the card.

3.We will advise you of our targeted turn around time while you are availing or applying for a product or service.

4.We will send a service guide or member booklet giving detailed terms and conditions, interest and charges applicable and other relevant information with respect to usage of your credit card along with your first credit card.

5.We will advise you our contact details such as contact telephone numbers, postal address, website or email address to enable you to contact us whenever you need to.

6.If you do not recognize a transaction, which appears on your credit card statement, we will give you more details if you ask us. In some cases, we may need you to give us confirmation or evidence that you have not authorized a transaction.

7.We will inform you, through our service guide or member booklet of the losses on your account that you may be liable if your card is lost or misused.

Tariff (Fees or charges or interest)

1.You can find our schedule of common fees and charges (including interest rates) by:

* Referring to the service guide or member booklet
* Calling up on customer service numbers
* Visiting our website; or
* Asking our designated staff.

2.When you become a customer, we will provide you information on the interest rates applicable on your credit card and we will charge the same to your credit card account, if applicable.

3.If you ask us, we will explain how we apply interest to your account.

4.Changes in our tariff: When we change our tariff (interest rate or other fees or charges) on our credit card products, we will update the information on our telephone helpline or website.

Marketing Ethics

1.Field personnel


* Our sales representatives will identify themselves when they approach you for selling card products.

* We have prescribed a code of conduct for our Direct Selling Agents (DSAs) whose services we may avail to market credit card products.

* In the event of receipt of any complaint from you that our representative has engaged in any improper conduct, we shall take appropriate steps to redress the complaint.


2.Telemarketing

* If our telemarketing staff or agents contact you over phone for selling any of our credit card products or with any cross sell offer, the caller will identify himself or herself and advise you that he or she is calling on our behalf.

Issuance of credit card or PIN

6.1 We will dispatch your credit card only to the mailing address mentioned by you through courier or post. Alternatively, we shall deliver your credit card at our branches which maintain your banking account(s) under due intimation to you.

6.2 We may also issue deactivated (not ready to use) credit card if we consider your profile appropriate for issuing credit card and such deactivated card will become active only after your acceptance of the same.

6.3 PIN (Personal Identification Number) whenever allotted, will be sent to you separately.
Account Operations

* Credit card statements

1. To help you manage your credit card account and check details of purchases or cash drawings using the credit card, we will offer you a facility to receive credit card transaction details either via monthly mail or through the Internet. Credit card statement will be dispatched on a predetermined date of every month which will be notified to you.

2. In the event of non-receipt of this information, we expect you to get in touch with us so that we can arrange to resend the details to enable you to make the payment and highlight exception, if any in a timely manner.

3. We will let you know or notify changes in schedule of fees and charges and terms and conditions. Normally, changes (other than interest rates and those which are a result of regulatory requirements) will be made with prospective effect giving notice of at least one month.

* Protecting your account

1. We will advise you what you can do to protect your credit card from misuse.

2.In the event your credit card has been lost or stolen, or that someone else knows your PIN or other security information, we will, on your notifying us, take immediate steps to try to prevent these from being misused, subject to operating regulations and law in force.

* Processing activities at our end

We may allow processing of credit cards related activities including operations and cross selling to third party agencies that we consider appropriate for these purposes.

Confidentiality of account details

We will treat all your personal information as private and confidential (even when you are no longer a customer). We will not reveal transaction details of your accounts to a third party, including entities in our group, other than in the following four exceptional cases when we are allowed to do:-

* if we have to give the information by law

* if there is a duty towards the public to reveal the information

* if our interests require us to give the information (eg, to prevent fraud) but we will not use this as a reason for giving information about you or your accounts (including your name and address) to anyone else, including other companies in our group, for marketing purposes

* if you ask us to reveal the information, or if we have your permission to provide such information to our group or associate or entities or companies when we have tie-up arrangements for providing other financial service products.


Collection of dues

Our bank's dues collection policy is built on courtesy, fair treatment and persuasion. We believe in fostering customer confidence and long-term relationship. Our staff or any person authorized to represent us in collection of dues or/and security repossession will identify himself or herself and interact with you in a civil manner. We will provide you with all the information regarding dues and will give sufficient notice for payment of dues. Our staff or agents are governed by Model Code for Collection of Dues and Repossession of Security issued by Indian Banks' Association.

Redressal of grievances

1.Redressal of your complaints internally


* We have a Grievance Redressal Cell within the organization. If you want to make a complaint, we will tell you how to go about it and what to do if you are not happy about the outcome. Our staff will help you with any queries you have.

* Our complaint handling procedure is displayed on our website. The timeframe for responding to your complaints and escalation process etc., are also displayed on the website.


2.Banking Ombudsman Service and other avenues for redressal. Within 60 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Banking Ombudsman appointed by Reserve Bank of India under Banking Ombudsman Scheme 2002.

Termination of credit card

* You may terminate your credit card by giving notice to us and by following the procedure laid down by us in our service guide or member booklet after clearing outstanding dues, if any.

* We may terminate your credit card, if in our opinion you are in breach of the cardholder agreement.

Feedback and suggestions

Please provide feedback on our services. Your suggestions will help us to improve our services.

Axis Bank Gold Plus Card General Benefits

Axis Bank Gold Plus Credit Card genral Uses

Mobile Alerts

Apart from receiving regular alerts on your mobile phone on outstanding amounts, payments made, bill generation, etc., you have an option to subscribe to the enhanced Mobile Alerts.

Global Acceptance

Axis Bank Gold Plus Credit Card helps you to be in control anywhere in the world. The Axis Bank Credit Card is accepted at over 23 million VISA accepting merchant establishments worldwide. This is in addition to over 2,50,000 VISA merchant establishments in India and Nepal. What's more, you can now buy in any currency and pay back later in Indian Rupees.

Please Note: As per the RBI guidelines, you can use your card in Nepal and Bhutan for transactions in Indian Rupees only.

Global Emergency Assistance

Axis Bank Gold Plus Credit Card enables you to access the VISA International Global Card Assistance Services. This service provides you the facility to report the loss of your card as well as request for an emergency Replacement Card, or for emergency cash advances that will be sent to your overseas location*.

A fee is applicable for this service. Please call the Bank to get a copy of the VISA Global Assistance Service numbers abroad.

Interest Free period

*Get upto 50 days free credit period on your purchase transactions without any finance charge being levied to your card account.

* Applicable only if there is no outstanding in the card account ie, previous bill has been settled in full by the payment due date. Not applicable to cash transactions.

Revolve Facility

Get Extended Credit Facility with Axis Bank Gold Plus Credit Card, where you may buy a product anytime and choose to pay in installments as per your convenience.

The repayment options available to you is as below:

* Pay only the Minimum Amount Due (5% of the bill amount subject to a minimum of Rs 100) and remaining amount can be paid in subsequent months

* Pay the total amount due.

* Pay any amount ranging from the minimum amount due to the total amount due.


Balance Transfer

Transfer your existing balance from other credit cards to your Axis Bank Credit Card at a special rate of interest and save substantially. There are two exciting plans to choose from:

Balance Transfer Plan @ 0%

* 0% interest rate for 3 months*
* 2.95% interest after 3 months
* 2% processing fee or Rs. 199/- (whichever is higher)

The saving on Balance Transfer plan @ 0% is shown in the example given below:

Saving on Axis Bank Balance Transfer offer on Rs. 10,000 Amount in Rs. Normal interest @2.95% for 3 months on Rs. 10,000 885 Axis Bank Balance Transfer interest @ 0% for first 3 months on Rs. 10,000 0 Your Saving on Rs. 10,000 885

Balance Transfer Plan @ 0.75% 0.75% interest for 6 months* Zero processing fees 2.95% interest after 6 months The saving on Balance Transfer plan @ 0.75% is shown in the example given below: Saving on Axis Bank Balance Transfer offer on Rs. 10,000 Amount in Rs. Normal interest@2.95% for 6 months on Rs. 10,000 1770 Axis Bank Balance Transfer interest @ 0.75% for first 6 months on Rs. 10,000 450 Your Saving on Rs. 10,000 1320

How to Avail Mail Fill in the balance Transfer Form Attach self attested photocopy of other Bank's credit card statement (not more than 45 days old) Mail to: Results Marketing Services Company Unit: AXIS BANK "WEB" P. O. Box 9512, Antop Hill P.O., Mumbai - 400037 OR SMS SMS BT to 54646 (Our Customer Service Executive will call and help you with the process) * Terms & conditions apply

Cash Advance Facility

You can use your Axis Bank Gold Plus Credit Card to withdraw cash upto 10% of your credit limit from over 1 million VISA ATMs (Automated Teller Machines) around the world. In India, you can access cash around the-clock, 365 days a year from any of the 18,000 ATMs that display the VISA sign.

Dial A Draft

The Axis Bank Gold Plus Credit Card also provides you the Dial-a-Draft service that allows you to order a draft over the phone and pay for it in parts later. All you need to do is call the Bank and place your request. The draft will be delivered at your doorstep.

Please note: Dial-a-Draft facility entails a transaction charge as applicable. These also carry finance charges from the date of transaction until the date of settlement. Dial-a-Draft will be processed only against the available cash limit.

Auto Debit Facility

If you are an existing Axis Bank account holder, you have the added convenience of paying your monthly card bills directly through your Bank account. Based on the option selected, you have the flexibility of choosing between the following options for payment through Auto
Debit:

* Debit Total Amount Due
* Debit Minimum Amount Due (5% of the outstanding amount)


EMI Facility

No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of Rs. 5000 or more into EMI.