I would like to start by saying that, axis bank was nice a very decent bank with excellent customer support and great features to offer to it's clients.
The overall reputation has reduced in my eyes because of various reasons. I would be mentioning the two of them which have given me a pain in the butt.
I had requested for a credit card which was supposed to be allocated to my father for opening a certain account and maintaining a certain sum. We did what was requured, it was the duty of the bank to offer us the credit card. We had to again and again be after them to issue is the card. They sent the person to our house to collect all the documents. He took all the paperwork and said the card would be issued soon and would be delivered to our house. We never heard from the bank regarding the card. Then came another guy who took all the required information again. But nothing happened. It's been 7 months they we haven't got the credit card.
Savings account is maintained here, so we withdraw monthly from this bank. I had withdrawn 25000 and 10k was in 100s. I was in a hurry so I left. I couldn't check each and every note out there. After coming home, I realised the notes were very old and 6 of them were damaged. I went to the bank next day but they refused completely and didn't accept that the notes were from their bank.
Overall, the bank has degraded and I would suggest people not to open accounts in axis bank of you're looking forward for it.