Axis Bank has introduced two industry-first features aimed at giving customers greater control over digital payments and international transactions. According to reports from Business Standard, the bank has launched UPI Limit Management and International Travel Declaration capabilities as part of its broader Safe Banking proposition. These features address common concerns with digital payments: preventing unintended high-value transactions and avoiding legitimate transactions being declined because they look unusual.
The UPI Limit Management feature allows customers to set personalised transaction limits across different categories of UPI payments. As reported by Business Standard, customers can set individual limits for Person-to-Person (P2P) payments, domestic merchant payments, and international merchant payments. For example, someone who routinely uses UPI for small everyday purchases but rarely makes large transfers could set a lower limit for transactions. The feature is particularly useful because limits configured through the Axis Mobile Banking App apply across all UPI applications linked to the customer's Axis Bank account, meaning customers do not need to configure separate limits on each platform. The feature is currently available to a limited number of customers with wider availability planned.
The second feature addresses the problem of legitimate international card transactions being declined because they look unusual to fraud-detection systems. According to Business Standard, Axis Bank's International Travel Declaration allows eligible credit-card customers to digitally declare their travel plans before leaving India. Customers can access this feature through Credit Card → Control Center → International Travel, providing information about travel intent in advance to give the bank additional context when assessing overseas transactions. This becomes particularly important when customers make transactions in countries where they have never used the card before, as such transactions can sometimes be flagged because they look different from the customer's normal spending pattern.
The UPI feature is currently being rolled out to a limited set of customers with wider availability planned, as reported by Business Standard. Customers can view or change their limits through Quick Links → Safety Centre → UPI Module → Control Centre with authentication through MPIN and OTP. Setting a UPI limit is an additional safeguard, not a guarantee against fraud, and customers should continue using standard precautions including checking payment details before authorising transactions. The International Travel Declaration does not mean overseas transactions will automatically be approved, as the bank will continue applying its fraud and risk-management controls.
