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Axis Bank Liberty Savings Account Benefits

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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
Axis liberty savings account is the best savings account for individuals who can qualify by meeting any one of the following conditions:-

(1)
Maintain a minimum balance of ₹25000 in your account.

OR

(2)
Spend ₹10000** per month on food, entertainment, shopping, and travel categories using the liberty debit card,
and
(2
) Spend ₹15000^ per month at any merchant via the liberty debit card.

OR

(3)
Spend ₹25000^ per month at any merchant via the liberty debit card.


By meeting the 2nd condition, you can enjoy the following benefits with maximized savings:

(1) Zero balance account, since monthly spend of ₹25000 (₹10000** + ₹15000^) is required to receive the Non-Maintenance Charge (NMC) waiver for that particular month.

(2) 5% cashback (up to ₹500 per month), available on weekend transactions only (transactions made on Saturday and Sunday are considered).

During your birthday month, you can earn 5% cashback up to ₹1000.

(3) One complimentary domestic lounge access per quarter.

Screenshot_2024-02-02-21-29-44-415-edit_com.google.android.gm.jpg

★ Conditions:-

**Check the list of eligible MCCs for the Weekend 5% Cashback at the link below.** 👇

^Check the list of excluded spends/MCCs for the NMC waiver at the link below.^ 👇


Screenshot 2025-10-21 114516.webp


★ Overall Benefit:-
₹1000 × 1
₹500 × 11

Total:- ₹6500

★ Consolidated Charges:-

● SMS Charges: ₹17.70 × 4 = ₹71 (including GST)
● Liberty debit card annual fee: ₹354 (including GST)

Total:- ₹425

Net Annual Savings:- ₹6075/-



1st Note:- You can now open a liberty account digitally and will receive both a virtual debit card and a physical liberty debit card. But, the virtual debit card issued with the digital axis liberty account is not the same as the e-debit card provided with other axis bank digital account variants.

2nd Note:- Quarterly gift voucher benefit linked to LIBERTY Savings Account shall be discontinued from 31th December, 2025 for all existing as well as new customers. Customers who qualify for this benefit basis the transactions done till 31st December, 2025 shall be considered eligible and awarded voucher as applicable basis terms laid out herewith.

Redemption Link for 750 GV:- https://www.gyftr.com/rewards/axisbankspendscampaign/
 
Last edited by 6ix9ine:
Main isliye has raha hoon ki Vishesh bhi soch raha hai kitne baar ek hi jawab doon alag alag tarah se 🤣

Waise mujhe kyun lag raha hai tum sirf reconfirm kar rahe ho 🤣

Sab sawaal ka jawab haan hai

Aur Liberty Card pe no restriction kahin se bhi le lo vouchers.
reconfirm to nahi but confirm jarur kar raha hu

kyuki maine Libertly wali aisi koi comment nahi dekhi jisme sare benefits 1sath summaries kiye gaye ho, ya fir maine miss kar di hogi

https://www.technofino.in/community/threads/tricks-to-get-5-cashback-in-liberty-account.7712/

is post me bhi kuch khas mila nahi to confirm karwa liya liberty exepert Vishesh bhai se
 
@VISHESH_BANSAL Bhai,

1. Buying 10k amazon gift card through liberty debit card for 5% cashback (500 Rs)
2. Paying 20k through E debit card on mobikwik to get 1% cashback (200 Rs)

will the above be the best use of liberty account per month ? max cb on both cards and reaching 25k merchant payment monthly?
or do you have anything else in mind to reach max benefit of Liberty account?

If Giftcard with Liberty debit card is ok, where should be buy to fulfil MCC requirement ( Giftedge, grabdeals, amazon, mpin,???)
Gift edge/Grabdeals/Amazon only.

30k/Month 👍
 
Mera thank you kahan 🤣
Yeh lo sabki taraf se Thank You 😛

thank-you-thank-u.gif
 
@VISHESH_BANSAL Bhai,

1. Buying 10k amazon gift card through liberty debit card for 5% cashback (500 Rs)
2. Paying 20k through E debit card on mobikwik to get 1% cashback (200 Rs)

will the above be the best use of liberty account per month ? max cb on both cards and reaching 25k merchant payment monthly?
or do you have anything else in mind to reach max benefit of Liberty account?

If Giftcard with Liberty debit card is ok, where should be buy to fulfil MCC requirement ( Giftedge, grabdeals, amazon, mpin,???)
E-debit card benefits are not applicable on liberty.

Once confirm before doing txn with twitter axis care.
 
what are the ways to force Axis to divulge details of a particular consolidated charge ?
yesterday got hit with my first consolidated charges of 13.25+gst and have no clue
SMS me Breakup send karta hai Axis

And Netbanking m bhi Breakup Show hota hai.

Mostly SMS Charges are deducted and for me it is 15+GST for last Quarter.

Jinke charges under 15+GST hai woh sirf SMS charges hoge and if above 15+GST hai then It may be for last two Quarters or some othe charges most likely Cash Txns Charges and NACH Charges

Otherwise Check in netbanking or Wait for SMS
 
SMS me Breakup send karta hai Axis

And Netbanking m bhi Breakup Show hota hai.

Mostly SMS Charges are deducted and for me it is 15+GST for last Quarter.

Jinke charges under 15+GST hai woh sirf SMS charges hoge and if above 15+GST hai then It may be for last two Quarters or some othe charges most likely Cash Txns Charges and NACH Charges

Otherwise Check in netbanking or Wait for SMS
Only UPI transactions and 3 emis
 
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