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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 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/
 
Last edited by 6ix9ine:
Recenty I opened Axis Liberty account. I have Liberty virtual Debit card and a Physical Debit card.
My queries are :
1.Flat 5% Cashback is applicable only on virtual Liberty card or Physical card also ?
2.Flat 5% cashback is applicable only on weekend spends ( Sat and Sun ) or all weekdays ?
3.Is wallet loading is considered for this 5% ?
4. If I pay credit card bills (60k in 3months) through cred will i get quatery gift voucher of 750?
5.what transactions are eligible for grabbing quaterly gift voucher UPI or debit card ?
 
Recenty I opened Axis Liberty account. I have Liberty virtual Debit card and a Physical Debit card.
My queries are :
1.Flat 5% Cashback is applicable only on virtual Liberty card or Physical card also ?
2.Flat 5% cashback is applicable only on weekend spends ( Sat and Sun ) or all weekdays ?
3.Is wallet loading is considered for this 5% ?
4. If I pay credit card bills (60k in 3months) through cred will i get quatery gift voucher of 750?
5.what transactions are eligible for grabbing quaterly gift voucher UPI or debit card ?
You didn't even read the first post. Please go through it again before asking questions that have already been answered several times in this thread. 😁
 
Recenty I opened Axis Liberty account. I have Liberty virtual Debit card and a Physical Debit card.
My queries are :
1.Flat 5% Cashback is applicable only on virtual Liberty card or Physical card also ?
2.Flat 5% cashback is applicable only on weekend spends ( Sat and Sun ) or all weekdays ?
3.Is wallet loading is considered for this 5% ?
4. If I pay credit card bills (60k in 3months) through cred will i get quatery gift voucher of 750?
5.what transactions are eligible for grabbing quaterly gift voucher UPI or debit card ?
First here - ->

Then come back again here with the updated questionnnaire..
- - >
 
Recenty I opened Axis Liberty account. I have Liberty virtual Debit card and a Physical Debit card.
My queries are :
1.Flat 5% Cashback is applicable only on virtual Liberty card or Physical card also ?
2.Flat 5% cashback is applicable only on weekend spends ( Sat and Sun ) or all weekdays ?
3.Is wallet loading is considered for this 5% ?
4. If I pay credit card bills (60k in 3months) through cred will i get quatery gift voucher of 750?
5.what transactions are eligible for grabbing quaterly gift voucher UPI or debit card ?
1. Physical card
2. Weekends
3. Mcc depends
4. Yup
5. P2m
 
That was a looong conversion 🥴. expecting Short and simple answers 🫠
It’s only one post , not the entire thread..
There were instances where we advised the info seekers to go thru the whole thread..
I couldn’t imagine what would be your reaction, had we advised that to you!!! 😉
 
Last edited:
But Beware, the Virtual Debit Card issued with Digital Axis Liberty Account is not an E-debit Card which is issued by Axis Bank with other Digital Account Variants.
Could you please clarify what exactly is the difference between Virtual and E-debit card? Never used these before.

I opened an account few days back and can see the Virtual Debit Card listed along with the regular Debit card (which is yet to come).
 
Could you please clarify what exactly is the difference between Virtual and E-debit card? Never used these before.

I opened an account few days back and can see the Virtual Debit Card listed along with the regular Debit card (which is yet to come).

Axis Liberty virtual debit card provides no CB. Others provide some CB.
 
Could you please clarify what exactly is the difference between Virtual and E-debit card? Never used these before.

I opened an account few days back and can see the Virtual Debit Card listed along with the regular Debit card (which is yet to come).
"Ignorance is bliss" .. lets keep it like this in the context of this Virtual DC !!!
 
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The first post in this thread is a WikiPost, and can be edited by anyone with the appropriate permissions.
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