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Sr.No Contents Pg.No
1. Introduction of Bank
2. Introduction of Axis Bank
3. Review of Literature
. !et"odo#og$
%. &e'it and Credit Card (aci#it$ of Axis
Bank
). Swot Ana#$sis
*. (inding and Conc#usion
+. Bi'#ogra,"$
IN&-
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C/AP0-R N1
Introduction of Bank
Modern commercial banking, in its present form, is of recent origin. Though
bank is considered to be an ancient institution just like money. Its evolution
can be traced in the functions of money lender, the goldsmiths and the
merchants. A bank has been often described as an institution engaged in
accepting of deposits and granting loans. It can also be described as an
institution which borrows idle resources, makes funds available to. It does not
refer only to a place of tending and depositing money, but looks after the
financial problems of its consumers. This era is the age of specialiation with
the changing situation in the world economy, banking functions have
broadened. !inancial institutions which are shaped by the general economic
structures of the country concerned vary from one country to another. "ence, a
rigid classification of banks is bound to the unrealistic.
rigin and &eve#o,ent of Banking
There seem so be no uniformity amongst the economist about the origin of the
word #$ank. It has been believed that the word #$ank has been derived from
the %erman word #$ank which means joint stock of firm or from the Italian
word #$anco which means a heap or mound. In India the ancient "indu
scriptures refers to the money & lending activities in vedic period. They
performed most of those functions which banks perform in modern times.
'uring (amayana and Mahabharata eras also banking had become a full&
fledged business activity. In other words the development of commercial
banking in ancient times was closely associated with the business of money
changing. In simple words, bank refers to an institution that deals in money.
This institution accepts deposits from the people and gives loans to those who
are in need. $esides dealing in money, bank these days perform various other
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functions, such as credit creation, agency job and general service. $ank,
therefore is such an institution which accepts deposits from the people, gives
loans, creates credit and undertakes agency work.
&-(INI0INS ( BAN4IN5
A bank is a finanacial institution licensed by a government. Its primary
activity is to lend money. Many other financial activities were allowed
over time. !or e)ample banks are important players in financial markets
and offer financial services such as investment funds.
$anking can also be defined as engaging in the business of keeping
money for savings and checking accounts or for e)change or for issuing
loans and credit.
Transacting business with a bank* depositing or withdrawing funds or re+uesting a
loan.
$ank a supply or stock held in reserve for future use
!-ANIN5 ( BAN4IN5
An organiation, usually a corporation, charted by a state or federal
government, which does most or all of the following receives demand deposits
and time deposits, honors instruments drawn on them, and pays intertest on
them* discounts notes, makes loans and invests in securities* collects checks,
drafts and notes* certifies depositors checks* and issue drafts and cashiers
checks.
0"e /istor$ of Banking Sector in India
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$ank is a financial institution that performs several functions like accepting
deposits, lending loans, agriculture and rural development etc. $ank plays animportant role in the economic development of the country.It is necessary to
encourage people to deposit their surplus funds with the banks. These funds are
used &for providing loans to the industries thereby making productive
investments.A bank is a financial intermediary that accepts deposits and
channels those deposits into lending activities. They are the active players in
financial market. The essential role of a bank is to connect those who have
capital with those who seek capital. After the post economic liberaliation and
globaliation, there has been a significant impact on the banking
industry.$anking in India originated in the -th century. The oldest bank in
e)istence in India is the tate $ank of India, a government&owned bank in -/0.
$I is the largest commercial bank in the country.After the independence,
(eserve $ank of India was nationalied and given wide powers. 1urrently, India
has 20 cheduled 1ommercial $anks, 34 public sector banks, 5 private banks
and 5- foreign banks.Today, banks have diversified their activities and are
getting into new products and services that include opportunities in credit cards,
consumer finance, wealth management, life and general insurance, investment
banking, mutual funds, pension fund regulation, stock broking services,
etc.!urther, most of the leading Indian banks are going global, setting up offices
in foreign countries, by themselves or through their subsidiaries.
Structure of Indian Banking Sector in India
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1. Reserve Bank of India6
(eserve $ank of India is the 1entral $ank of our country. It was established on
stApril 256 under the ($I Act of 257. It holds the ape) position in the
banking structure. ($I performs various developmental and promotional
functions. It has given wide powers to supervise and control the banking
structure. It occupies the pivotal position in the monetary and banking structure
of the country. In many countries central bank is known by different names.!or
e)ample, !ederal (eserve $ank of 8..A, $ank of 9ngland in 8.:. and (eserve
$ank of India in India. 1entral bank is known as a bankers bank. They have the
authority to formulate and implement monetary and credit policies. It is owned
by the government of a country and has the monopoly power of issuing notes.
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2. Commercial Banks:
1ommercial bank is an institution that accepts deposit, makes business loans
and offer related services to various like accepting deposits and lending loansand advances to general customers and business man.These institutions run to
make profit. They cater to the financial re+uirements of industries and various
sectors like agriculture, rural development, etc. it is a profit making institution
owned by government or private of both.
Coercia# 'ank inc#udes ,u'#ic sector7 ,rivate sector7 foreign 'anks and
regiona# rura# 'anks6
a.Pu'#ic sector 'anks6
It includes $I, seven ;4< associate banks and nineteen ;2< nationalised banks.
Altogether there are 34 public sector banks. The public sector accounts for 2/
percent of total banking business in India and tate $ank of India is the largest
commercial bank in terms of volume of all commercial banks.
b. Private sector banks:
=rivate sector banks are those whose e+uity is held by private shareholders. !or
e)ample, I1I1I, "'!1 etc. =rivate sector bank plays a major role in the
development of Indian banking industry.
C. (oreign Banks
!oreign banks are those banks, which have their head offices abroad. 1ITI bank,
"$1, tandard 1hartered etc. are the e)amples of foreign bank in
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d. Regiona# Rura# Bank 8RRB96
These are state sponsored regional rural oriented banks. They provide credit for
agricultural and rural development. The main objective of (($ is to develop
rural economy. Their borrowers include small and marginal farmers, agricultural
labourers, artisans etc. >A$A(' holds the ape) position in the agricultural and
rural development.
3. Co-operative Bank:
1o&operative bank was set up by passing a co&operative act in 2/7. They are
organised and managed on the principal of co&operation and mutual help. The
main objective of co&operative bank is to provide rural credit.
The cooperative banks in India play an important role even today in rural co&
operative financing. The enactment of 1o&operative 1redit ocieties Act, 2/7,
however, gave the real impetus to the movement. The 1ooperative 1redit
ocieties Act, 2/7 was amended in 23, with a view to broad basing it to
enable organisation of non&credit societies.
0"ree tier structures exist in t"e coo,erative 'anking6
i. tate cooperative bank at the ape) level.
ii. 1entral cooperative banks at the district level.
iii. =rimary cooperative banks and the base or local level.
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4. Scheduled and Non-Scheduled banks:
A bank is said to be a scheduled bank when it has a paid up capital and reserves
as per the prescription of ($I and included in the second schedule of ($I Act257. >on&scheduled bank are those commercial banks, which are not included
in the second schedule of ($I Act 257.
5. Development banks and other fnancial institutions:
A development bank is a financial institution, which provides a long term funds
to the industries for development purpose. This organisation includes banks likeI'$I, I1I1I, I!1I etc. tate level institutions like !1s I'1s etc. It also
includes investment institutions like 8TI, ?I1, and %I1 etc.
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0$,es of Banking6
$anks can be classified into different groups either on the basis of their structure
or on the basis of their function. tructurally banking can be divided into
$ranch banking and 8nit $anking. !unctionally, banking can be divided into
'eposit $anking, Investment $anking and Mi)ed $anking.
Branch Bankin:
This refers to a system under which two or more banks are opened under a
single ownership. 9)amples are tate $ank of India, =unjab >ational $ank,
Indian $ank etc. which have several branches spread all&over India.
!nit Bankin:
This refers to that system of banking in which banking operations are carried on
through a single organisation, without any branches. This system used to be
popular in America.
@ne great advantage of branch banking is that the same bank can cater to
several parts of a large country ;through its branches situated in those partsatarajan and Manohar ;225< P1redit 1ardsDan AnalysisQ. A study
has been attempted to know that to what e)tent the credit cards are
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utilied by the cardholders and the factors influencing the utiliation of
credit cards. The study is confined to cards issued by the 1anara $ank.
A random sampling techni+ue is used to collect the data. Ten
components i.e. numbers of purchases, shops, percentage of purchases,
place, fre+uency, type of product, type of services, cash withdrawal
facilities, add on facility, insurance schemes are identified and used for
the measurement. 1hi s+uare test has been conducted to know the level
of utiliation. !or this, both personal and nonpersonal factors also have
been taken into consideration.
>atarajan and Manohar ;225< P1redit 1ardsDan AnalysisQ. A study
has been attempted to know that to what e)tent the credit cards are
utilied by the cardholders and the factors influencing the utiliation of
credit cards. The study is confined to cards issued by the 1anara $ank.A random sampling techni+ue is used to collect the data. Ten
components i.e. numbers of purchases, shops, percentage of purchases,
place, fre+uency, type of product, type of services, cash withdrawal
facilities, add on facility, insurance schemes are identified and used for
the measurement. 1hi s+uare test has been conducted to know the level
of utiliation. !or this, both personal and nonpersonal factors also have
been taken into consideration.
imon and Kictor ;227
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9!T=o has a higher level of risk than other traditional payment
methods. tudy shows that 9!T=o has the lowest physical risk and
highest financial risk, the credit card has the lowest psychological risk
and highest time loss risk, while cash has the highest physical risk and
lowest performance risk. =hysical risk, financial risk and time loss risk
for cash payment are significantly higher when purchase is large while
performance risk for 9!T=o and credit card payment is significantly
higher when the purchase is small.
%eorge ;226
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and smart cards. 1redit cards are being gradually revolutionised by
various factors introduction of customersD friendly technology, a
competitive marketing environment, the rise of the financially
sophisticated consumer who avoids paying interest and the emergence
of new competitors. The concept of debit cards as a new emerging
payment system has gained acceptance in the Asia&=acific region in
past few years. $eing a new concept, mass acceptance is gradual and
not instantaneous. It shows that spending on credit cards is higher than
debit cards but the number of transactions are more on debit cards.
>ash and inkey ;224
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use debit, general purpose credit cards, gasoline credit cards, or cash.
'ebit and credit card users are younger, more educated and hold more
credit cards.
teindl ;3///
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'evlin ;3//4< PAn Analysis of main and subsidiary credit card holding
and spending.Q This study seeks to e)amine why most multiple credit
cardholders have a PmainQ card ;i.e. a card used more often than
others< and PsubsidiaryQ cards ;i.e. cards used less often or only in an
emergency< and the spending pattern associated with main and
subsidiary cards. This study is a +ualitative in nature, using a survey
which contained open&ended +uestions to ac+uire data.
%an ;3//-< Pingapore credit cardholders ownership, usage patterns
and perceptions.Q The purpose of this study is to analyse ingapores
diverse cardholders in search of variations among demographic groups,
credit card profiles, and their perceptions with regard to credit card
ownership and use. It then aims to discuss possible reasons governingingaporeans credit card ownership and use. In this study, decision
trees were constructed using chi&s+uare techni+ue to e)amine the
association between number of credit cards and the demographic
characteristics, perceptions and other credit card&related variables.
C/AP0-R N
!et"odo#og$
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C/AP0-R N%
Axis 'ank de'it and credit card
Axis 'ank de'it card
A debit card ;also known as a bank card or check card< is aplastic payment
cardthat provides the cardholder electronic access to their bank accounts at a
financial institution. ome cards may bear a stored value with which a payment
is made, while most relay a message to the cardholderBs bank to withdraw funds
from a payerBs designated bank account. The card, where accepted, can be used
instead of cash when making purchases. In some cases, theprimary account
numberis assigned e)clusively for use on the Internet and there is no physical
card.
In many countries, the use of debit cards has become so widespread that their
volume has overtaken or entirely replaced che+ues and, in some instances, cash
transactions. The development of debit cards, unlike credit cards and charge
cards, has generally been country specific resulting in a number of different
systems around the world, which were often incompatible. ince the mid&3///s,
a number of initiatives have allowed debit cards issued in one country to be
used in other countries and allowed their use for internet and phone purchases.
8nlike credit and charge cards, payments using a debit card are immediately
transferred from the cardholderBs designated bank account, instead of them
paying the money back at a later date.
'ebit cards usually also allow for instant withdrawal of cash, acting as the ATM
card for withdrawing cash. Merchants may also offer cashback facilities to
customers, where a customer can withdraw cash along with their purchase.
https://en.wikipedia.org/wiki/ISO/IEC_7812https://en.wikipedia.org/wiki/Payment_cardhttps://en.wikipedia.org/wiki/Payment_cardhttps://en.wikipedia.org/wiki/Primary_account_numberhttps://en.wikipedia.org/wiki/Primary_account_numberhttps://en.wikipedia.org/wiki/Payment_cardhttps://en.wikipedia.org/wiki/Payment_cardhttps://en.wikipedia.org/wiki/Primary_account_numberhttps://en.wikipedia.org/wiki/Primary_account_numberhttps://en.wikipedia.org/wiki/ISO/IEC_78127/25/2019 Axis Bank Debit and Credit Card Sonam
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C/SIN5 A &-BI0 CAR&
A0! access6 If you choose a provider that doesnt have any ATMs nearby or
doesnt refund the fees, youll find yourself paying out&of&network ATM fees to
your bank, plus E3O in surcharges that go to the ATM owner. Make sure you
have convenient access at college and at home.
!iniu 'a#ance re?uireents6 Though many checking accounts will waive
monthly fees because youre a student, some re+uire you to keep a minimum
balance. If you cant meet that re+uirement, dont get that account.
In,erson services6 1an you get by with an entirely online bank, or do you
need to go into a branch If you forgo physical services, you can easily find free
or even rewards checking accounts
Rewards6 ome credit unions, online banks or even traditional banks offer
rewards on your debit card spending or interest on the balance in your account.
:eep an eye out for good deals.
The A)is $ank 'ebit 1ard is a Multifunctional 1ard. It can be used at
Axis Bank A0!s
!or transactions such as cash withdrawals, balance in+uiry, che+ue or cash
deposit, =I> change, transfer of funds, mini statement etc.
=ISA or =ISA P#us A0!s!or cash withdrawals and balance in+uiry transactions.
!erc"ant esta'#is"ents
;displaying the KIA 9lectron sign and having 9lectronic wipe Terminals
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Axis Bank de'it card offer
1ustomise and craft your own A)is $ank debit card with My 'esignU
"igher withdrawal and purchase transaction limits on every A)is $ank debit
card. 1omplimentary access to KI= airport lounges.
!uel surcharge waivers at petrol bunks across India.
9nhanced insurance coverage for the primary debit card holder.
verview
A)is $ank is the third largest private sector bank in India with a network of
37/3 branches and 3,233 ATMs spread across the country. The bank also has
its presence in the international arena with offices in ingapore, 'ubai, "ong
:ong, 1olombo and hanghai. A)is $ank caters to a diverse clientele
comprising of retail businesses, MM9, agriculturists and large and mid&
corporates. A)is $ank holds the distinction of being the first Indian private
sector bank to upgrade their representative office in hanghai to a full&fledged
overseas branch. Fith a wide spectrum of innovative banking products, A)is
$ank provides an array of debit cards offering customers convenient cashless
shopping, e)citing discounts, rewards from the e'%9 ?oyalty program and
personalied card designs. A)is $ank debit cards come with enhanced security
features for purchase transactions on Kerified by Kisa ;KbK< and Master1ard
ecure1ode platforms.
0
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1.Preiu Cards
8i9.Burgund$ >or#d &e'it Card6
The $urgundy Forld 'ebit 1ard is a global card with lifestyle privileges tailor
made to meet the re+uirements of a =remium banking customer. ?oaded with
benefits, this card offers higher transaction limits, dining and travel benefits,
rewards redemption, free ATM withdrawal options and insurance coverage to a
=remium debit card holder.
(eatures and Benefits6
/ig"er transaction #iit6
9njoy an enhanced daily cash withdrawal limit of (s. 3 lakh and purchase
limit
of (s. 0 lakh on your $urgundy Forld 'ebit 1ard subject to the balances held
in your account.
Book $ S"ow6
1omplimentary movie tickets ;$uy one, get one< through booking at
$ookMyhow.com and bookmyshow mobile app.
(ue# Suec"arge >e#ver6
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wipe your debit card at petrol pumps without any fuel surcharge on Jour
1ard.
-#igi'i#it$ and docuentation6
The $urgundy Forld 'ebit 1ard is available only to $urgundy Account holders
8ii9.>ea#t" &e'it Card6
Fealth Account holders can design their own version of the A)is $ank Fealth
'ebit 1ard available with unlimited privileges, complimentary access, no
issuance and annual fee charges, fuel surcharge waivers and free ATM
withdrawal options.
(eatures and 'enefits6
5enerate $our de'it card PIN
Jour 'ebit 1ard just got more secure and easier to useU
Jou can now generate your 'ebit 1ard =I> anytime at your convenience at the
nearest A)is $ank ATM or by calling A)is $ank =hone $anking.
/ig"er transaction #iit6
9njoy an enhanced daily cash withdrawal limit of (s. 3 lakh and a purchase
limit of (s. 6 lakh on your Fealth 'ebit 1ard, subject to the balances held in
your account.
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(ree usage at a## A0!@s6
9njoy free ATM withdrawals from any bank ATM anywhere in India.
&ining &e#ig"ts6Automatic membership to the A)is $ank dining delights program where you
%et over 6 off at more than 7,/// restaurants in India visit
www.diningdelights.in for further details
No c"arges on wea#t" de'it card6
9njoy Issuance and Annual 1harges waiver on your A)is $ank Fealth 'ebit
1ard.
-#igi'i#it$6
The A)is $ank Fealth 'ebit 1ard is available only to Fealth Account holders.
8iii9Priorit$ P#atinu &e'it Card6
Introduced mainly for =riority customers of A)is $ank, the =riority =latinum
'ebit 1ard offers 36 cashback on movie spends, fuel surcharge waivers,
issuance and annual fee waivers and insurance coverage for the debit card
holder.
(eatures and Benefits6
/ig"er 0ransaction #iit6
9njoy enhanced daily cash withdrawal limit of (s. lakh and purchase limit
of (s. 7 lakh on your =riority 'ebit 1ard subject to the balances held in your
account.
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2% cas"'ack on ovies s,end6
As a =riority =latinum 'ebit 1ard holder, you are entitled to 36 cash back on
your movie spends ;both online and bo) office bookings< using your 'ebit
1ard.
!$ &esig"n6
'esign your card with an image of your choice or choose from a wide array of
gallery images on www.a)isbank.comGmydesign.
-#igi'i#it$6
The A)is $ank =riority 'ebit 1ard is available only to =riority Account holders.
8iii9Priorit$ P#atinu C"i, &e'it Card6
The =riority =latinum 1hip 'ebit 1ard works on the Kisa&=latinum platform
designed e)clusively for A)is $anks =riority customers with an embedded
platinum chip. The card offers higher transaction limits, free ATM withdrawals,
rewards redemption program, 36 on movie tickets and complimentary access
to premium airport lounges in all the Metros.
8iii9Privee &e'it Card6
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(eatures and Benifits6
/ig"er 0ransaction Liit6
9njoy an enhanced daily cash withdrawal limit of (s. 3 lakh and purchase limit
of (s. 0 lakh on your =rivee =remium 'ebit 1ard subject to the balances held in
your account.
No C"arges on Privee &e'it Card6
9njoy Issuance and Annual 1harges waiver on your =remium =rivee 'ebit
1ard.
;n#iited Lounge Access6
8nlimited 1lipper ?ounge access at select domestic international airports in
India.
(ue# Surc"arge >a#ver6
wipe your debit card at petrol pumps without any fuel surcharge on your card.
(ree ;sage at A## A0!@s6
9njoy free ATM withdrawals from any bank ATM anywhere in India.
-#igi'i#t$6
The A)is $ank =rivee 'ebit 1ard is available only to =rivee Account holders.
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3.Segented Cards
8i9
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All consumer durable goods purchased using the debit card are insured against
fire, natural calamity, burglary and housebreaking up to 2/ days from the date of
purchase. Jou will be eligible for a combined lost card liability and purchase
protection of up to (s 7/,///.
-#igi'i#it$6Jouth 'ebit 1ard is meant e)clusively for youth customers from
the age of - to 36 years.
8ii9Ladies (irst &e'it Card6
'esigned e)clusively for homemakers, the ?adies !irst 'ebit 1ard helps themmanage their household finances better with a monthly spends tracker, interest
on savings, spa and lifestyle privileges, rewards on grocery and apparel
purchases, convenient transaction options and an instant debit card procurement
process.
(eatures and Benefits6
% e&5- Lo$a#t$ Rewards ,oints on ,urc"ases of 5rocer$
A,,are#6
The ?adies !irst 'ebit 1ard comes with an e)citing e'%9 ?oyalty (ewards. It
allows you to earn e'%9 ?oyalty (ewards points on your spends at merchant
outlets. The accumulated reward points can be spent on over 6// carefully
selected reward items just for you to make your card e)perience more
rewardingU
9arn 6 e'%9 ?oyalty (ewards =oints for every (s. // spent on spent on
grocery apparel purchases. All you need is just 5// points for a well&deserved
B(ewardsB from our 0 e)citing categories & B'ream (ewards, ?ittle Indulgences,
!avourites, Amaing 'eals, !estive pecials and Fhats newB.
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!ont"#$ Stateent wit" s,ends tracker6 (eceive a pends Tracker with
your monthly statement which gives detailed information of where have youspent your money D so no more writing down your e)penses in a diary or a
notebook.
-as$ Cas" in and Cas" out6
?oading using the ?adies !irst 1ard is really easy.
1ard can be loaded through
!unds transferG I
>9!T
1ash deposit
1he+ue
Fe give you one free cash transaction ;depositG withdrawal< at our branches
every monthU
And cash can be taken out through
1ard swipe at shops, with a daily limit of (s. //,///V
1ash withdrawal at any ATMW ;A)is $ank or >on&A)is $ank
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The >(I 'omestic Titanium debit card comes with insurance benefits, purchase
protection, ero lost card liability, 37G4 customer support mainly issued for
>(@ accounts.
(eature and Benefits6
0ransaction Liits6
9njoy a daily cash withdrawal limit of (s.7/,/// and purchase limit of (s.
,//,/// on your >(I 'omestic 'ebit 1ard, subject to the balances held in your
account.
-n"anced Insurance Coverage6
The A)is $ank Titanium 'omestic 'ebit 1ard comes with special insurance
features that protect you and your loved ones.
Purc"ase Protection6
All consumer durable goods purchased using the debit card are insured against
fire, natural calamity, burglary and housebreaking up to 2/ days from the date
of purchase. Jou will be eligible for a combined lost card liability and purchase
protection of up to (s 6/,///.
-#igi'i#it$6
>(I Titanium 'omestic 'ebit 1ard is meant e)clusively for >(@ accounts.
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.=a#ue Added Cards
8i90itaniu Rewards &e'it Card6
As a rewards debit card holder, customers can be part of the A)is $ank e'%9
rewards program enjoying privileges on shopping and dining and get other
benefits like airport lounge access, 6 cashback on movie spends, higher
transaction and withdrawal limits, fuel surcharge waivers and design their own
Titanium (ewards 'ebit 1ard.
(eatures and Benefits6
/ig"er 0ransaction Liit6
9njoy enhanced daily cash withdrawal limit of (s.6/,/// and purchase limit of
(s. 7 lakh on your Titanium (ewards 'ebit 1ard subject to the balances held inyour account.
(ue# Surc"arge >e#ver6
wipe your debit card at petrol pumps without any fuel surcharge on your card.
% Cas"'ack on !ovies S,ends6
tarting 3/th >ovember 3/7, you are entitled to 6 cash back on movie
spends ;both online and bo) office bookings< done using your Titanium
(ewards 'ebit 1ard.
-#igi'i#it$6
8pgrade from 1lassic 1ards & issued to all savings account.
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8ii9!$&esign Iage &e'it Card6
?et your A)is $ank debit card be a reflection of #Jou. 1hoose or create an
image of your choice to be printed on your debit card along with the variant of
the card that you need. 'epending on the type of card, A)is $ank will charge a
nominal designing fee for every My'esign debit card created.
(eatures And Benefits6
Print an iage of $our c"oice on $our &e'it Card6
"ave a look at yourself and your family every time you take your card out to
shop, or re&live that glorious moment from your vacation or graduation day.
?eave your friends and colleagues spellbound every time you take yourpersonally designed card out to pay.
C"oose an iage fro our 1*%iage ga##er$6
1apture a batsman playing a pull shot or a goalkeeper diving full&length to save
the ball. (e&live your memories of the Taj Mahal, the tatue of ?iberty or the
9iffel Tower. (eproduce your Nodiac sign and all that it reflects about yourself.Adore that cute puppy you have always wanted as a pet and much more right on
your card.
No need to visit $our 'ranc" if $ou are a#read$ our custoer6
If you already hold a avings Account with us, you can now apply for your
'ebit 1ard online using Internet $anking. Cust visit
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www.a)isbankGmydesign.com and keep your image and Internet $anking
passwords with you as we help you obtain the 'ebit 1ard of your choice from
the comfort of your home or office.
"owever, our entire Image %allery is available at the $ranch, and you can apply
for one of the images from the gallery by filling in a 'ebit 1ard Application
form where you indicate the Image 1ode of your choice.
Jou would be charged (e. only as online application charge in addition to the
Issuing !ee for your 'ebit 1ards.
C"oose w"at &e'it Card variant $ou want as we##6
Jou can choose not only the image on your 'ebit 1ard face but also the variant
of the card you want. In other words, even if you presently possess a standard
Kisa 'ebit 1ard, you can choose a Master1ard Titanium (ewards 'ebit 1ard
;or any other 'ebit 1ard that you are eligible for, according to your Account
type< and customie it with an image from our gallery. o, let your 'ebit 1ard
reflect not only your personality but your affluence as well.
8iii9Secure &e'it Card6
Jour ecureO 'ebit 1ard ensures you can freely use your debit card without
ever worrying about misuseGfraud on your card.
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(eatures and Benifits6
0ransaction Liit6
9njoy daily cash withdrawal limit of (s. 6/,/// and purchase limit of (s.
46,/// on your ecureO 'ebit 1ard subject to the balances held in your account
ne ca## service to '#ock a## #ost or sto#en &e'it and Credit Card6
(eporting loss of your valuable 'ebit 1redit 1ards to each $ank is painful
and time consuming. It is not easy to remember which cards you were carrying
and which number to call. Fith your A)is $ank ecureO 'ebit 1ard now avail
single call card loss reporting service to block all your cards with just a single
phone call, in case you lose them.
-ergenc$ cas" assistance6
In the event if you lose your cardsGcash while travelling in India and need
emergency cash advance up to (s. 6/// to meet your basic needs and return
"ome, you can contact 1== to avail the same.
(raud Protection6
8nder this plan your cards are covered for fraud due to lossGtheft, skimming,
counterfeiting, online usage, phishing and =I> based transactions. The fraud
protection cover is upto (s. 46,/// and it begins 6 days prior to the loss of
your card.
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-ergenc$ 0rave# and /ote# Assistance6
In the event if you lose your cardsGcash while travelling away from home, 1==
will help facilitate the emergency advance that helps you pay your hotel bills
and travel tickets up to (s. -/,/// so that you can return home safely.
-#igi'i#it$6
Issued to all savings and salary account customers.
%.Basic Cards
8i90itaniu Prie &e'it Card6
=rime savings account holders can enjoy rewards program benefits, ero
issuance charge, insurance coverage and higher purchase limits with their
Titanium =rime 'ebit 1ards.
(eatures and Benefits6
0ransaction #iits6
Jour Titanium =rime 'ebit 1ard comes with higher withdrawals of (s. 6/,///
and purchase transaction limit of (s. ,//,///
No Insurance C"arges n 0itani Prie &e'it Card6
9njoy a waiver on the Issuance 1harges on your A)is $ank =rime 'ebit 1ard.
-#igi'i#it$6
Titanium =rime debit card is available to =rime avings account customers only.
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8ii90itaniu Prie P#us &e'it Card6
Titanium =rime =lus 'ebit 1ard is an out and out shopping card offered to
=rime =lus savings account holders, loaded with benefits like insurancecoverage, / cashback on movie tickets, rewards program, ero issuance
charges along with My'esign options.
(eatures And Benefits6
Transaction ?imit
Jour =rime =lus 'ebit 1ard comes with higher withdrawals of (s. 6/,/// and a
purchase transaction limit of (s. ,//,///.
/ cash $ack on movies
As a Titanium =rime =lus 'ebit 1ard holder, you are entitled to / cash back
on your movie spends ;both online and bo) office bookings< using your 'ebit
1ard.
-#igi'i#it$6
Titanium =rime =lus debit card is available to =rime =lus savings account
customers only.
8iii9=isa C#assic &e'it Card6
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As an international debit card, the Kisa 1lassic debit card offers enhanced
protection to users as a chip or =I> enabled debit card along with unlimited
shopping, dining, and travel benefits.
(eatures and Benefits6
0ransaction and Purc"ase Liits6
9njoy daily withdrawal limit of (s. 7/,/// and purchase limits of (s. ,//,///
through with your Kisa 1lassic 'ebit 1ards.
/ig"er Securit$ on C"i, and PIN Cards6
Jou can choose to apply for 1hip =I> enabled visa debit card for enhanced
security of your purchase transactions. 9nabling international usage on your
1hip =I> debit card will also give you the freedom to use your debit card
across the world, includingtransactions on International websites.
-#igi'i#it$6
Kisa 1lassic 'ebit 1ard is being issued to as a default debit card to select
savings banking account.
).Coercia# &e'it Cards
!asterCard Business &e'it Card6
The Master1ard $usiness 'ebit 1ard is a commercial card packed with
attractive benefits, safety features and high transaction limits mainly for self&
employed entrepreneurs, helping them manage their business e)penses
efficiently.
*.Business P#atinu &e'it Card6
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Jour A)is bank debit card can be your business identity with your business
name and logo printed on your cardU $usiness banking customers can benefit
immensely from the $usiness =latinum debit card with specially designed
programs like $usiness avings =lan and other value&added benefits helping
them to efficiently manage their businesses. The card also offers other privileges
like fuel surcharge waivers, insurance coverage, rewards program and airport
lounge access.
+.Business 0itaniu Rewards &e'it Card6
@ffering the best rewards program to its business banking customers, A)is $ank
presents the $usiness Titanium (ewards debit card with enhanced insurance
coverage and high transaction limits.
D.Sart Privi#ege &e'it Card6
The mart =rivilege 'ebit 1ard is issued to women customers holding mart
=rivilege accounts with A)is $ank. The card comes with withdrawal and
purchase limits of up to (s ,//,///, rewards program and insurance coverage
for the card holder.
1E. t"er &e'it Cards6
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8i95o#d &e'it Card6
A)is $ankBs %old 'ebit 1ard is more than just a debit card. It comes with a host
of enhanced benefits and reward program.
(eatures And Benefits6
/ig"er 0ransaction Liit6
9njoy enhanced daily cash withdrawal limit of (s. 6/,/// and purchase limit of
(s. .46 lakh on your %old 'ebit 1ard subject to the balances held in your
account.
(ue# Surc"arge >a#ver6wipe your debit card at petrol pumps without any fuel surcharge on your card.
Persona# Accident Insurance Cover6
In the unfortunate event of loss of life in a mishap, the customerBs beneficiaries
will receive the benefit of accident insurance of (s 6 lakh.
-#igi'i#it$6
%old 'ebit 1ard is not Issued any more.
8ii95o#d P#us &e'it Card6
A)is $ankBs %old =lus 'ebit 1ard is more than just a debit card. It comes with a
host of enhanced benefits and reward program.
(eatures and Benefits6
/ig"er 0ransaction Liit6
9njoy enhanced daily cash withdrawal limit of (s. 6/,/// and purchase limit of
(s. .46 lakh on your %old 'ebit 1ard subject to the balances held in your
account.
(ue# Surc"arge >a#ver6
wipe your debit card at petrol pumps without any fuel surcharge on your card.
Air,ort Lounge Access6
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9njoy lounge access to select airports in the country just by flashing your A)is
$ank Fealth 'ebit 1ard.
-#igi'i#it$6
%old =lus 'ebit 1ard is not Issued any more.
8iii9!aster Card C#assic &e'it Card6
A)is $ankBs Master1ard 1lassic 'ebit 1ard is more than just a debit card. It
comes with a host of enhanced benefits.
(eatures and Benefits6
0ransaction Liit6
Transaction limit of ,//,/// for purchase transactions and 36,/// for ATMwithdrawals.
!$ &esign6
'esign your card with an image of your choice or choose from a wide array of
gallery images on www.a)isbank.comGmydesign.
-#igi'i#it$6
Master1ard 1lassic 'ebit 1ard is not Issued any more.
;iv
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9njoy a daily cash withdrawal limit and purchase limit of (s. ,//,/// on your
mart =rivilege 'ebit 1ard, subject to the balances held in your account.
ero Lost Card Lia'i#it$6
As an A)is $ank 'ebit 1ard customer, you will be insured for risk of loss due
to fraudulent use of a lost or stolen or missing debit card. All you need to do is
communicate the loss of your card by calling our 37&hour customer service
number.
!$ &esign6
'esign your card with an image of your choice or choose from a wide array of
gallery images on www.a)isbank.comGmydesign.
-#igi'i#it$6
mart =rivilege 'ebit card is issued only to mart =rivilege account holders.
Benefits of "o#ding an Axis Bank &e'it Card
1ustomers are entitled to world class offers, discounted prices, lu)ury
indulgences and fle)ible banking options with their A)is $ank debit cards.
My'esign & Make your A)is debit card as uni+ue as youU 'esign a card with
your favourite image and special effects in just three easy steps.
@nline shopping is now safer with your A)is $ank debit card, enabling users to
transact on secured platforms using Kerified by Kisa ;KbK< and Master1ard
ecure1ode services.
=urchase transactions using your A)is $ank debit card are also secured and
validated using your debit card =I> at all retail outlets.
Fuick ti,s to use Axis Bank &e'it Card
9nsure completion of a debit card transaction at merchant outlets and ATMs
to avoid fraudulent activity on your card.
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A)is $ank customers are advised to take necessary precautions to safeguard
their =I> details and not disclose it unnecessarily.
Fhile using your A)is $ank debit card at =o terminals customers should
make sure that the merchant establishment has subscribed to Kisa or Kisa
9lectron services.
1ustomers should mandatorily sign at the back of their debit cards for
merchants to validate their signatures at the time of purchases.
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5et t"e 'est credit cards fro Axis Bank t"roug" BankBaGaar
Axis Bank Credit Card verviewIn the year 227, A)is $ank, a private sector bank, began operations as one of
the first new generation banks in India. In 225, it was jointly promoted by
several organisations. Among all the private sector banks in India, A)is $ank
ranks third. It caters to MM9, Agriculture, ?arge and Medium 1orporates and
(etail $usinesses. A)is $ank has 37/3 branches and 3233 ATMs spread all
over the country.
A credit card can be of great help, if and when used wisely. The credit amount is
readily available and the payments can be made immediately. In case of an
emergency, it can prove to be e)tremely useful. There are varieties of credit
cards offered by A)is $ank for its customers.
>"$ c"oose Axis Bank credit cardsH
1atering to every lifestyle re+uirement, an A)is $ank credit card is the perfect
companion for shopping, dining, travel and for purchasing movie tickets.
1ustomers can choose a card that fits them the best and enjoy attractive offers
and rewards on each and every credit card purchase.
(eatures and 'enefits of an Axis Bank credit card6
A)is $ank credit cards offer world class privileges and card holders can enjoyunlimited discounts from various merchant outlets.
1ashback options
"igher purchase limits
@ver 6// rewards from A)is $ankBs e'%9 ?oyalty program
'iscounts on dining, shopping and e&commerce transactions
Airline vouchers
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KI= ?ounge access at airports
1reate your own credit card using My'esign.
1redit cards with embedded 9MK chips for enhanced security.
>"$ a,,#$ for Axis Bank credit cards t"roug" BankBaGaarH
$ank$aaar is your one&stop shop for procuring an A)is $ank credit card with
easy online application and processing. 1ustomers can compare the different
kinds of cards provided by A)is $ank and understand what each one offers. Fe
provide information regarding eligibility and other features of a particular credit
card helping customers make a well&informed decision. Applicants can also get
instant e&approvals from $ank$aaar after they apply for their credit cards.
/ow to a,,#$ for Axis Bank credit cards t"roug" BankBaGaarH
$ank$aaar offers an e)tensive array of A)is $ank credit cards and customers
can choose the card that meets their financial re+uirements. The 1redit 1ard
menu on the $ank$aaar home page contains a list of banks offering credit
cards and customers can choose the link featuring A)is $ank. This will lead
them to the A)is $ank credit card page, where they can understand and evaluate
different cards and also check their eligibility. @nce the card selection has been
done, customers can apply for an A)is $ank credit card using the #Apply >ow
feature and they will get an immediate e&approval from $ank$aaar via email.
The application will then be forwarded to A)is $ank for further processing.
Axis Bank Credit Card Eligibility and Documentation:
Axis Bank Credit Card -#igi'i#it$6
=rimary 1ard holder should be within the age limit of - to 4/ years.
hould be an Indian resident
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Add&on card holder must be above the age of 6 years.
Axis Bank Credit Card &ocuentation6
=an 1ard photocopy or !orm 0/
Income =roof !orm 0G ?atest =ayslipGIT (eturn copy
(esidence =roof =assportG (ation 1ardG 9lectricity $illG ?andline
Telephone bill
Axis Bank Credit Card &etai#s6
1.Preiu Card
8i9Signature Credit Card wit" Lifest$#e Benefits6
8pgrade your lifestyle and enjoy top class benefits. A)is $ank 1redit 1ard with
?ifestyle $enefits is definitely the key&card to the gateway of a classy life.
(eatures and Benefits6
Jou can have a fle)ible limit on your card. This card lets you spend more than
your credit limit without any e)tra charges. This feature is only available for
A)is $ank $urgundy 1ustomers. The Taj 9picure =lan Membership is an e)tremely interesting feature of this
card. It gives you a discount of / for dining at the Taj, which eventually gets
converted to 9picure points. Jou also get a 6/ discount on buffet lunch at Taj
1offee hop, e)cept on undays. Fatching your favourite movies at a theatre near you never got betterU Jou are
entitled to a 6/ cashback on both bo) office and online tickets, all through the
week.
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The card comes with a %lobal 9mergency Assistance. In case of any emergency,
A)is bank can transfer credit even when you are overseas. 9mergency
replacement can also be done in case of loss of card.
The e'%9 ?oyalty (ewards program helps you earn / points for every 3//
I>( domestic e)penditure and 3/ points for international e)penditure. It helps
you earn // points on your first transaction only.
-#igi'i#it$6
=rimary card holder should be in the age bracket of - years to 4/ years. Add&
on card holder should be - years and above
>et Income & (s. 2 lakhs and above per annum
hould be a resident of India
The above eligibility criteria are only indicative. The bank reserves the right to
approve or decline applications for 1redit 1ard.
&ocuentation6
=A> card photocopy or !orm 0/
Income =roof ?atest payslipG !orm 0G IT return copy
(esidence =roof =assportG driving licenseG ration cardG electricity billG landline
telephone bill
The above list is only indicative and documents re+uired may vary on a case to
case basis.
8ii9Signature Credit Card wit" 0rave# Benefits6
If travelling is your passion, this is definitely the card you should get.A)is $ank
ignature 1redit 1ard with Travel benefits is absolutely the #magic carpet for
you and will fulfil your dream of being a traveller.
(eatures and Benefits6
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Jou receive an Indi%o Airlines voucher within 76 days from activation.
Jou are entitled to 36 cashback on both online and bo) office movie ticket
purchases.
9njoy special benefits at airport lounges. it back and rela) at over 4//KI= lounges in more than 2/ countries and 346 cities worldwide.
Jou will be offered assistance during your travel, no matter where you
are in the world.
(efuel your vehicle at any station across India and enjoy fuel surcharge
refund.
8pto 3/ discounts on dining.
-#igi'i#it$6
=rimary card holder should be in the age bracket of - years to 4/ years. Add&
on card holder should be - years and above
>et Income & (s. 2 lakhs and above per annum
hould be a resident of India.
The above eligibility criteria are only indicative. The bank reserves the right to
approve or decline applications for 1redit 1ard.
&ocuentation6
=A> card photocopy or !orm 0/
Income =roof ?atest payslipG !orm 0G IT return copy
(esidence =roof =assportG driving licenseG ration cardG electricity billG landline
telephone bill
The above list is only indicative and documents re+uired may vary on a case tocase basis.
2.Co Branded Cards
8i9!i#es !ore Credit Card6
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The 9MK certified chip gives this card a top notch security status.
Jour e'%9 loyalty points multiply by / times when you use your A)is
$ank MJ None 1redit 1ard for dining out on weekends.
Jour e'%9 loyalty points multiply by 6 times when you use your A)is
$ank MJ None 1redit 1ard at supermarkets or apparel store on weekends.
36 cashback on purchase of both online and bo) office tickets for
movies.
-#igi'i#it$6
=rimary card holder should be in the age bracket of - years to 4/ years. Add&on card holder should be 6 years and above.
hould be an individual resident of India or non&resident Indian.
&ocuentation6
=A> card photocopy or !orm 0/
1olour =hotograph
Income =roof ?atest payslipG !orm 0G IT return copy
(esidence =roof =assportG ration cardG electricity billG landline telephone bill
Identity =roof =assportGdriving license G =A> card GAadhaar card
8iii9!< >ings Credit Card6
This particular credit card is e)tremely beneficial if you travel a lot. Fhether it
is a bus, train or flight it does not matter since this card will definitely come in
handy for all your travel purposes.
(eatures and Benefits6
Jou will be entitled to two base fare flight tickets.
Jou will get 3/ cashback on base fares for booking domestic flights.
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9very time you use your MJ Fings 1redit 1ard on the I(1T1 website
you get a discount of 36 I>(.
9very bus ticket you book using the card, gets you a I>( // cashback.
7// I>( cashback can be earned by booking a car from any car rental in
India.
-#igi'i#it$6
=rimary cardholder should be in the age bracket of - years to 4/ years. Add&on
cardholder should be 6 years and above. hould be an individual resident of India or non&resident Indian.
&ocuentation6
=A> card photocopy or !orm 0/
1olour =hotograph
Income =roof ?atest payslipG !orm 0G IT return copy
(esidence =roof =assportG ration cardG electricity billG landline telephone bill Identity =roof =assportG driving license G =A> card G Aadhaar card
8iv9!< Business Credit Card6
MJ $usiness 1redit 1ard is best suited for the business banking customers of
A)is $ank. The offers available with this card help customers manage
businesses efficiently. The card comes with low interest rates, substantial
savings and much more.
(eatures and Benefits6
The card offers 3/ cashback on base fares of flight bookings on eeego.com.
6// I>( cashback on domestic return flight bookings and 6// I>( cashback
on international return flight bookings.
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Jou can earn 7 points for every 3// I>( you spend from your card. Jou are
entitled to a // points on your first online transaction.
Jou can enjoy complimentary access to several airport lounges across the
country, twice in every three months. Jou can get 5/ cash from your credit limit even when you are overseas.
.t"er Credit Cards
8i90itaniu Sart 0rave#er Credit Card6
A)is $ank Titanium mart Traveler 1redit 1ard is very beneficial from people
who travel. This card will definitely make your journey a happy one.
(eatures and Benefits6
Jou can earn - e'%9 loyalty points for every 3// I>( you spend while
travelling abroad.
In India, you can earn 7 e'%9 loyalty points for every 3// I>( you
spend on booking hotels, buses, flights etc.
3.6 fuel surcharge waiver on all fuel transactions.
The protection is top notch and you are safe from fraud attacks.
!or all other spends, you will earn 3 e'%9 ?oyalty (ewards =oint for
every (s. 3// spent.
1onvert =urchase to 9MI.
Nero ?ost 1ard liability up to credit limit.
8ii9P#atinu Credit Card6
A)is $ank =latinum 1redit 1ard offers several benefits such as cashbacks,
loyalty points, etc. and hence this card is definitely very useful.
(eatures and Benefits6
The 9MK certified chip provides added security and consumer
protection.
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Jou can get a 36 cashback on both online and bo) office movie ticket
purchases.
A)is $ank will replace the card is case of loss or theft of card. The %lobal
9mergency Assistance feature is e)tremely useful.
Jou can earn 0 e'%9 loyalty points for every 3// I>( that you spend
domestically and 3 points for every 3// I>( spent internationally.
"ighest level of ecurity.
Nero ?ost card liability up to credit limit.
1onvert =urchase to 9MI
%et a 3.6 fuel surcharge waiver on all fuel transactions with your A)is
$ank =latinum 1ard
8iii9Insta -as$ Credit Card6
Jou need minimal documents to get this credit card. The card can be availed at
any A)is $ank branch, provided you have a fi)ed deposit of minimum 3////
I>( in A)is $ank. A lot many rewards and benefits are associated with this
card.
(eatures and Benefits6
This card offers a great amount of security. The =latinum chip is
e)tremely effective against fraud.
This card offers upto // cash withdrawal.
9very 3// I>( you spend domestically, you earn 0 e'%9 loyalty points
and every 3// I>( you spend internationally, you earn 3 e'%9 loyalty points.
The credit limit is pretty fle)ible. Jou can decide your own credit limit.
1redit ?imit as highGlow as you Fant.
%raranteed Approval.
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1onvert =urchase to 9MI.
8iv9S"rira Credit Card6
This is a co&branded credit card. A)is $ank launched it in association with
hriram Transport !inance 1ompany ?imited ;T!1?(.
1redit shield amount is 6/// I>(.
?ost card liability is 6/// I>(.
The cardholder can have his own photo on the credit card.
1omplementary 1omprehensive Insurance $enifits.
!ree Mobiile Alerts.
New Launc"es6
Neo Credit Card6
9njoy the world of e)citing offers and benefits with your A)is $ank >eo 1redit
1ard.
(eatures and Benifits
Felcome $enefits
9njoy the B=ower of /B
e'%9 ?oyalty (ewards =rogram
"ighest ?evel of ecurity
Nero ?ost 1ard ?iability up to credit limit
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Pa$ Axis Bank Credit Card utsatnding in 3 si#,#e ste,s
1. Provide $our Credit Card &etai#s6
9nter your 0 digit A)is $ank 1redit 1ard number and the amount you would
like to pay.
elect your bank account from which you would like to e)ecute this payment
;we partner only with select bankset $anking 8ser I' and =assword of your
$ank Account G 9+uivalent detailsumber.
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Axis Bank &e'it Card A,,#ication (or
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Axis Bank Credit Card (or
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C/AP0-R N)
S>0 Ana#$sis
Strengt"s
A)is bank has been given the rating as one of top three positions in terms
of fastest growth in private sector banks
!inancial e)press has given number two position and $T&:=M% has
rated AZI bank as the best bank with some 30 parameters
The bank has a network of ,725 domestic branches and -,537 ATMs
The bank has its presence in 24 cities and towns
The banks financial positions grows at a rate of 3/ every year which is
a major positive sign for any bank
The companys net profit is [5!J3 is ,/3.34 which has a increase of
36.2 growth compared to 3/
>eaknesses
%aps D Majorly they concentrated in corporate, wholesale banking,
treasury services, retail banking
!oreign branches constitute only - of total assets
Kery recently the bank started focusing its attention towards personal
banking and rural areas
The share rates of AZI bank is constantly fluctuating in higher margins
which makes investors in an uncomfortable position most of the time
There are lot of financial product gaps in terms of performance as well as
reaching out to the customer
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There are many fraudulent activities involved in credit cards as the banks
process credit card approval even without verification of original documents
Their financial consultants are not wise enough to guide the customers
towards right investments
1ustomer service has to improve a lot in order to be in race with other
major players
,,ortunities
Ac+uisitions to fill gap
In 3//2, Alliance with Motilal @swal for online trading for / million
customers
In 3//, ac+uired 9nam ecurities =vt ?td D broking and investment
banking
In ep 3//2, 9$I approved A)is Asset Management 1o. for mutual fund
business
>o. of e&transactions increased from /.4 million to around 3 million
%eographical e)pansion to rural market D -/ of them have no access to
formal lending
70 use informal lending channels
37 unregulated money lenders
>ow number of branches increased to 725 from 552.
?ast +uarter there were 7- new branches opened across the >ation
ince its a new age banking there are lot of opportunities to have the
advance technicalities in banking solutions compared to e)isting major players
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The assets in their international operations are growing at a very faster
pace with a growth rate of 2.
The concept of 9TM ;9verywhere teller machine< by AZI $ank had a
good response in terms of attracting new customers in personal banking
segment
0"reats
ince 3//2, ($I has increased 1(( by // basis points
Increased repo rate reverse repo rate by 6/ points D times of late
Increasing popularity of [I=s due to ease in fund raising
($I allowed foreign banks to invest up to 47 in Indian banking
%overnment schemes are most often serviced only by govern banks like
$I ,Indian $anks, =unjab >ational $ank etc
I1I1I and "'!1 are imposing strong threats in terms of their e)pansion
in customer base by their aggressive marketing strategies
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C/AP0-R N *
(inding and conc#usion
The study mainly was on the debit and credit card facility provided by the
a)is bank.
In this study I found that the bond of a)is $ank with its customer is very
strong, because A)is $ank mainly focus on retaining their customers.
The study finds that however A)is $ank is not athe lendingprivate sector
bank but its vast range of products and availiability of options make it one of
the better in India.
The bank should pay more attention on giving updates and should increase
the level of services providing because the competitors of A)is are better in
the area.
The study finds that A)is $ank provided best debit and credit card facility to
their customers. The bank should focus on mass banking in order to increase their market
share.
The bank should launch such products which would be within the reach of
the lower middle class.
The A)is $ank facilitates different types of debit and credit cards to their
customers.
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C/AP0-R N+
Bi'#ogra,"$