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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:
Yar you get 200 easily by paying cc bill on mobikwik.

Utility bill payments*
Okay.. Let me dig into deep...
I have 1.5 L Apay CC bill to pay and now that I have Liberty and Virtual DC, what is the best way to pay for this to maximise my returns?

Before,I used to do HDFC platinum DC in HDFC bill pay, and I exhausted both my DC s in HDFC for the last month , I got 1500 back.. PS; I have two SB accounts in HDFC..
 
Okay.. Let me dig into deep...
I have 1.35 L Apay CC bill to pay and now that I have Liberty and Virtual DC, what is the best way to pay for this to maximise my returns?

Before,I used to do HDFC platinum DC in HDFC bill pay, and I exhausted both my DC s in HDFC for the last month , I got 1500 back.. PS; I have two SB accounts in HDFC..
Pay 60k - quarter 750 voucher.
Rest you hdfc. Cb in August.
 
Pay 60k - quarter 750 voucher.
Rest you hdfc. Cb in August.
Thanks,

--Pay 60k - quarter 750 voucher.

Out of this 60K I need to pay 20k using Edebit card, so that I can get extra 200 cashback...

This is what I am looking for , rather than vanilla...
By paying via edebit , there will be some extra spice...😉😉
Got it?? I am a newbie in this area...😉😉
 
Thanks,

--Pay 60k - quarter 750 voucher.

Out of this 60K I need to pay 20k using Edebit card, so that I can get extra 200 cashback...

This is what I am looking for , rather than vanilla...
By paying via edebit , there will be some extra spice...😉😉
Got it?? I am a newbie in this area...😉😉
Which app you will be using to get the 200cb?🧐
 
Which app you will be using to get the 200cb?🧐
Please follow this, Courtesy @VISHESH_BANSAL
 
Thanks,

--Pay 60k - quarter 750 voucher.

Out of this 60K I need to pay 20k using Edebit card, so that I can get extra 200 cashback...

This is what I am looking for , rather than vanilla...
By paying via edebit , there will be some extra spice...😉😉
Got it?? I am a newbie in this area...😉😉
Take it Easy Peasy....

@4uziaul for you also

1.
Pay 20k credit card bill every Month via your Axis E-Debit Card on Mobikwik.
Mobikwik also gives additional 50 Cashback for first Payment of the Month.

So by paying 20k every month via this Route you will get:-

750 GV at the end of every Quarter

50×3= 150 every Quarter
200×3=600 every Quarter.

Total Benift:-
1500/Every Quarter.

2.
For Rest Amount utilitze your HDFC PLATINUM DC.

I am assuming you do not have any other Bank's DC.
 
Take it Easy Peasy....

@4uziaul for you also

1.
Pay 20k credit card bill every Month via you Axis E-Debit Card on Mobikwik.
Mobikwik also gives additional 50 Cashback for first Payment of the Month.

So by paying 20k every month via this Route you will get:-

750 GV at the end of every Quarter

50×3= 150 every Quarter
200×3=600 every Quarter.

Total Benift:-
1500/Every Quarter.

2.
For Rest Amount utilitze your HDFC PLATINUM DC.

BANG......

Now this is what I call PROFESSIONALISM... I just started researching about CC Bill rewards apps
and BANG you answered this...

Because Edebit DC gives 1% upto 200 whereever we use, we need some place to use this edebit to get extra return...
I will keep checking if there are any more CC rewards ways other than Mobikwik.....
 
Which app you will be using to get the 200cb?🧐
As per you yesterday.... me thinking... like this... with the help of the resident experts... 😉 😉 ... Just for fun....

 
So by paying 20k every month via this Route you will get:-

750 GV at the end of every Quarter

50×3= 150 every Quarter
200×3=600 every Quarter.

Total Benift:-
1500/Every Quarter.
+
Bonus
2000 ERs per year...


as per this for using Virtual Debit card

1690883181839.png

I am assuming you do not have any other Bank's DC.

The other card I have is WM MC DC thats it apart from two HDFC Platinum DCs..

Which other DC s will help in getting some rewards back for paying CC... Just a quick reference will help..
 
+
Bonus
2000 ERs per year...


as per this for using Virtual Debit card

View attachment 24609



The other card I have is WM MC DC thats it apart from two HDFC Platinum DCs..

Which other DC s will help in getting some rewards back for paying CC... Just a quci reference will help..
There are many DCs which gives rewards for CC Bill Payments.

But you have to open Account with them.
 
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