I have a savings a/c in axis bank in kulti branch since january, 2016.i am going to review this honestly after my one year of experience.
in terms of phone banking they are best in the market.no complaints regarding phone banking
atm availability is slightly disappointing as they have less numbers of atms.but I am ok with it.
internet banking is good as well.
the most important part of their service is their friendly behviour.they always warmly welcomed me each and every time I have visited there.i just loved their customer service.worth opening a a/c there