Axis Bank ASAP Zero Balance Account – Features, Benefits & Charges (2025)
What is Axis Bank ASAP Account?
The Axis Bank ASAP Account is a fully digital zero balance savings account that can be opened instantly using your Aadhaar and PAN card. With a few clicks, you get a functional savings account, virtual debit card, UPI access, and zero minimum balance requirement.
Key Features of Axis Bank ASAP Account
- ✅ Zero balance requirement – No minimum balance penalty
- ✅ Instant account opening with Aadhaar and PAN
- ✅ Free virtual debit card
- ✅ UPI enabled – Google Pay, PhonePe, Paytm supported
- ✅ Internet & Mobile Banking access
- ✅ Transfer funds via IMPS/NEFT/RTGS at no extra cost
- ✅ 3 Free ATM withdrawals at Axis ATMs per month
Benefits of Axis Bank ASAP Account
- 🌐 100% paperless and online account opening
- 💳 Virtual Debit Card usable instantly for online shopping
- 📱 Easy to manage via Axis Mobile App or Internet Banking
- 🆓 No charges for digital transactions
- 📈 Earn interest up to 3% p.a. on savings balance
Charges & Fees
| Service | Charges |
|---|---|
| Account Opening | Free |
| Minimum Balance | Zero |
| Virtual Debit Card | Free |
| Physical Debit Card | ₹499 + GST (Optional) |
| ATM Withdrawal (Axis Bank ATM) | 3 Free/month, then ₹21 + GST |
| UPI Transactions | Free |
| IMPS/NEFT/RTGS | Free (online mode) |
Eligibility & Documents Required
- 🧑 Must be 18+ years old
- 📜 Valid Aadhaar number (linked to mobile)
- 🪪 PAN card
- 📱 Mobile number linked with Aadhaar for OTP-based verification
How to Open Axis Bank ASAP Account Online?
- 👉 Visit the official page: Open Now
- 👉 Enter your Aadhaar and PAN details
- 👉 Complete mobile OTP and KYC verification
- 👉 Set up your mobile banking and create account credentials
- 👉 Start using your account instantly!
Customer Reviews
“I opened my Axis ASAP account in less than 5 minutes. The app is smooth, and I got my UPI and virtual card instantly!” – Ravi S., Mumbai
“Good for students and freelancers. Zero balance and no hidden charges so far.” – Anjali D., Bangalore
“Customer service is quick. However, Axis ATM coverage could be better in rural areas.” – Santosh K., Bihar
FAQs
Is Axis ASAP a real savings account?
Yes. It’s a full-featured digital savings account offered by Axis Bank under RBI regulations.
Can I upgrade this account later?
Yes, you can convert it to a full KYC account by visiting a branch.
Can I get a physical debit card?
Yes, you can request one for ₹499 + GST.
Final Verdict: Should You Open Axis ASAP Zero Balance Account?
If you’re looking for a simple, fast, and zero balance digital account from a reputed private bank, Axis Bank ASAP is a great option. With zero monthly charges, free digital tools, and instant UPI activation, it’s ideal for students, freelancers, and anyone who prefers online banking.
