How to Generate Axis Bank ATM PIN

Once the Axis Bank account holder receives the debit card, the first thing that he/she should do is generate the PIN of the the debit card and there by activate the debit card.

Updated On - 06 Sep 2025
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Axis Bank account holders need a 4-digit Personal Identification Number (PIN) to activate their debit card. This ATM PIN is also required for various other transactions, such as international, online, and e-commerce transactions.

Steps to Activate Axis Bank ATM Debit PIN at an ATM

Axis Bank customers have to follow the steps mentioned below to generate their debit card PIN at an ATM:

Step 1: Visit any Axis Bank ATM closest to you.

Step 2: Insert your Axis Bank debit card and choose the 'set PIN' option.

Step 3: An activation code will be sent to your registered mobile number.

Step 4: Enter the activation code.

Step 5: Now, enter your bank account details such as your registered mobile number and your date of birth.

Step 6:  Once you have entered all the required details, enter the 4-digit PIN of your choice.

Step 7: Re-enter the PIN to confirm.

As soon as you have done that, your debit card PIN will be activated. The bank will inform you of the same.

For joint account holders, the details of the secondary account holder will have to be entered as well.

Steps to Activate Axis Bank ATM Debit PIN using Mobile App

Axis Bank customers have to follow the steps mentioned below to activate their debit card PIN on the Axis Bank mobile app:

Step 1: Login to the Axis Bank mobile app using your username and password.

Step 2: On the top-left corner of the screen, click on the 'home' button.

Step 3: Choose 'Banking' and click on the 'services' tab.

Step 4: Click on the 'debit card' option.

Step 5: Choose 'set/reset PIN' from the options available.

Step 6: Once you have done that, enter the 4-digit PIN of your choice.

Step 7: Re-enter the PIN and enter the MPIN as well.

Your Axis Bank debit card PIN will be activated from that point.

Steps to Activate Axis Bank ATM Debit PIN using Internet Banking

Axis Bank account holders have to follow the steps mentioned below to generate their debit card PIN using their internet banking account:

Step 1:   Login to your Axis Net banking account using your username and password.

Step 2: Once you have logged in, click on 'account' and select 'debit card'.

Step 3: Choose the 'more services' option and click on 'set debit card PIN'.

Step 4: Now, enter the 4-digit PIN of your choice. Re-enter the PIN and the expiry date of your card.

Step 5: An OTP (One-time password) will be sent to your registered mobile number, enter the number to activate your Axis Bank debit card PIN.

Steps to Activate Axis Bank ATM Debit PIN using Phone Banking

Customers that wish to activate their debit card PIN using the phone banking facility have to follow the two-step process - the first to get the activation passcode and the second to set the debit card PIN using the passcode.

Steps to get the activation passcode:

  1. Call to the Axis Bank toll-free numbers at 1-860-419-5555 / 1-860-500-5555 from the registered mobile number.
  2. Choose option 1 to know your savings account details.
  3. Next, choose option 4 for debit card related services.
  4. Now, to generate your activation passcode, dial 1.
  5. Enter your debit card number, expiry date of your card, your date of birth.
  6. Once that is done, the activation passcode will be sent to your mobile number.

Steps to generate Axis Bank ATM debit card PIN using the activation passcode:

  1. Redial the toll-free number of the Axis Bank phone banking facility.
  2. Repeat the steps and choose option 1 and option 4.
  3. Now, choose the generate PIN option.
  4. Provided that you have the activation passcode, dial 2.
  5. Enter your debit card number, expiry date of your card, and your date of birth.
  6. Enter the PIN of your choice. Re-enter the PIN.
  7. As soon as this is done, the bank will notify you that your PIN has been activated.
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Steps to Activate Axis Bank Debit Card for International Transactions

You can activate your Axis Bank debit card for international transactions through internet banking by following these steps:

Step 1: Use your ID and password to log in.

Step 2: Under the ‘Services’ option, select ‘Debit Card Services.’

Step 3: Select the debit card.

Step 4: Click on the ‘More Services’ option.

Step 5: Choose the option for international usage by clicking on the ‘Manage Usage’ option.

Step 6: Enable the ‘international usage’ option and confirm it.

To enable international transactions on your Axis Bank debit card, you can dial the phone banking numbers mentioned below:

  1. 1-860-500-5555, 1-860-419-5555
  2. +91-22-67987700 (for international customers)
  3. 1800–103–5577 (toll-free number)

The steps to activate your Axis Bank debit card for international transactions through the Axis mobile app:

Step 1: Use your ID and password to log in.

Step 2: Select the 'Services' option under the banking section.

Step 3: Select the ‘Debit Cards’ option.

Step 4: Click on the ‘Manage Usage’ option.

Step 5: Choose the debit card and then click the link for international usage.

Step 6: Confirm that your card has been activated for international transactions.

Steps to Activate Axis Bank Debit Card for E-commerce/Online Transactions

Axis Bank debit cards are generally not enabled for e-commerce/online transactions at the time of issuance. Additionally, the Axis card's online payment service is disabled if you do not use it for online transactions in a while.

In these situations, you can use internet banking, phone banking, and Axis mobile app for enabling online transactions. Alternatively, you can use phone banking numbers to do the same.

Process to Activate Axis Bank Debit Card for Contactless Transactions

Axis Bank debit cardholders can enable contactless transactions for quicker payments of up to Rs.5,000 per transaction. The internet banking and the Axis mobile app can be used for activating this facility.

The ‘Manage Usage’ section is where you can turn on contactless payments. Note that to change the usage limits and access of your Axis Bank debit card, you might be required to enter the last six digits of your Unique Reference Number (URN).

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FAQs on How to Activate Axis Bank ATM Debit Card PIN

  • Can I use my Axis Bank debit card without activating the PIN?

    No, activating the PIN is mandatory to use the debit card.

  • What are the different ways of activating an Axis Bank debit card for international transactions?

    You can activate an Axis Bank debit card for international transactions via internet banking, phone banking, and the Axis mobile app.

  • Can I adjust my Axis Bank debit card's limits?

    Yes, you can adjust your Axis Bank debit card's limits according to your preference.

  • How will I receive the OTP? Will I receive it via email? How long is it valid for?

    The OTP will be sent to your registered mobile number. It is valid for just 30 minutes.

  • Can I activate my debit card PIN at any Axis Bank ATM, or should it be done my home branch?

    No, it is not necessary to go to your home branch Axis Bank ATM to activate your debit card PIN. You can do it at any Axis Bank ATM.

  • What if I have entered the wrong OTP?

    If you have entered the wrong OTP three times in a row, then the transaction will be declined.

  • For the internet banking and mobile app procedures to activate my debit card PIN, should I upload my KYC documents as well?

    No, that would not be necessary since you would have submitted your KYC documents to open the account itself. You just need to enter your bank account details such as your registered mobile number, date of birth, etc. - if required only.

  • Do I have to follow the same steps to reset my PIN? Just to enhance the security of my card.

    Yes, you have to follow the same steps to reset your PIN. And yes, it is advisable to change your debit card PIN frequently to enhance the security of your account.

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