Axis Bank Liberty Savings Account Benefits

[Deleted member 2540]

★ 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.

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★ 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.



★ Conditions:-

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

https://www.axisbank.com/docs/default-source/default-document-library/liberty-cashback-tnc.pdf

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

https://www.axisbank.com/docs/default-source/default-document-library/liberty-savings-account-lifestyle-benefits-terms-and-conditions.pdf

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★ 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/-

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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 15th November, 2025 for all existing as well as new customers. Customers who qualify for this benefit basis the transactions done till 15th November, 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/

 

[Parallaxhal]

I have a HDFC bank personal loan running for 20k per month. If I pay that through this account, will that count towards the monthly spends or no?
Also is there an option to disable the autopay option for the personal loan from my HDFC salary account?

 

[SSV]

I have a HDFC bank personal loan running for 20k per month. If I pay that through this account, will that count towards the monthly spends or no?

if you pay thru UPI or DC, it will count , I believe ..

 

[Shubham Yadav]

I have a HDFC bank personal loan running for 20k per month. If I pay that through this account, will that count towards the monthly spends or no?
Also is there an option to disable the autopay option for the personal loan from my HDFC salary account?

Talking about through ECS ?

 

[Parallaxhal]

Talking about through ECS ?

What is ECS?

 

[VasukiVasuki is verified member.]

What is ECS?

Electronic Clearing Service.
NACH mandate

 

[𝙇.𝐊. 𝐓𝗶𝘄𝗮𝗿𝗶 :)]

...all Axis Liberty account experts...

I'm already following this thread from a long time, And I'm aware of that virtual debit card provided in Liberty is different from the one we get in other account which are eligible for flat 1% cashback.

I heard that we get that virtual dc in axis asap savings account, So I'm asking you guys, is it possible we open asap account now and then upgrade to the liberty later..? Main thing, is that virtual dc will be exciting after upgrade..?
If it work then it will be a way to get both virtual dc with 1% cashback and liberty dc together...

 

[varun__goel_]

...all Axis Liberty account experts...

I'm already following this thread from a long time, And I'm aware of that virtual debit card provided in Liberty is different from the one we get in other account which are eligible for flat 1% cashback.

I heard that we get that virtual dc in axis asap savings account, So I'm asking you guys, is it possible we open asap account now and then upgrade to the liberty later..? Main thing, is that virtual dc will be exciting after upgrade..?
If it work then it will be a way to get both virtual dc with 1% cashback and liberty dc together...

 

[Deleted member 2540]

...all Axis Liberty account experts...

I'm already following this thread from a long time, And I'm aware of that virtual debit card provided in Liberty is different from the one we get in other account which are eligible for flat 1% cashback.

I heard that we get that virtual dc in axis asap savings account, So I'm asking you guys, is it possible we open asap account now and then upgrade to the liberty later..? Main thing, is that virtual dc will be exciting after upgrade..?
If it work then it will be a way to get both virtual dc with 1% cashback and liberty dc together...

May be It works.
Try and Let us Know.

 

[varun__goel_]

...all Axis Liberty account experts...

I'm already following this thread from a long time, And I'm aware of that virtual debit card provided in Liberty is different from the one we get in other account which are eligible for flat 1% cashback.

I heard that we get that virtual dc in axis asap savings account, So I'm asking you guys, is it possible we open asap account now and then upgrade to the liberty later..? Main thing, is that virtual dc will be exciting after upgrade..?
If it work then it will be a way to get both virtual dc with 1% cashback and liberty dc together...

I don't think anyone in TF might have tried this. Now, as you have come up with this idea, it's your duty to try and let us also know about the results🤣🤭 and show you have potential to be a legend on TF🤣🤣

 

[𝙇.𝐊. 𝐓𝗶𝘄𝗮𝗿𝗶 :)]

View attachment 37023

 

[𝙇.𝐊. 𝐓𝗶𝘄𝗮𝗿𝗶 :)]

May be It works.
Try and Let us Know.

Okay..

But let me know, we can upgrade that asap account na..?

 

[𝙇.𝐊. 𝐓𝗶𝘄𝗮𝗿𝗶 :)]

I don't think anyone in TF might have tried this. Now, as you have come up with this idea, it's your duty to try and let us also know about the results🤣🤭 and show you have potential to be a legend on TF🤣🤣

Okay sir..will update.👍🏻😅

 

[Deleted member 2540]

Okay..

But let me know, we can upgrade that asap account na..?

Ask your nearest Branch beforehand.

UPGRADE will be done by any Branch Only.

Mostly they will ask you to close this one and they will open Fresh Liberty Account 🤣

So,.all depends on Branch and you.

 

[𝙇.𝐊. 𝐓𝗶𝘄𝗮𝗿𝗶 :)]

Ask your nearest Branch beforehand.

UPGRADE will be done by any Branch Only.

Mostly they will ask you to close this one and they will open Fresh Liberty Account 🤣

So,.all depends on Branch and you.

Okay, let me try it...Anyways it'll have very less chances of working...

 

[telescope]

URGENT

Trying to pay cc bill using liberty dc through paytm but payment getting failed.
Today is last day. Please someone tell me how to pay cc bill using liberty dc to be eligible to be counted as 60k quarterly milestone.

thanks

 

[Deleted member 13721]

URGENT

Trying to pay cc bill using liberty dc but payment getting failed.
Today is last day. Please someone tell me how to pay cc bill using liberty dc to be eligible to be counted as 60k quarterly milestone.

thanks

You forgot to mention where you are paying?

 

[telescope]

You forgot to mention where you are paying?

hdfc billpayment through paytm app

 

[telescope]

URGENT

Trying to pay cc bill using liberty dc through paytm but payment getting failed.
Today is last day. Please someone tell me how to pay cc bill using liberty dc to be eligible to be counted as 60k quarterly milestone.

thanks

tried paying through cred but below 50k dc option not available

 

[Deleted member 13721]

hdfc billpayment through paytm app

Try Mobikwik or Cheq

 

[eshwar_six]

If amount is greater than 50k try to use mobikwik+ Flipkart supercoin coupon for 200 cb.

Payment type as Other UPI apps> Gpay from mobikwik