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have some queries regarding axis liberty savings account

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rahulsoni070...
I have some questions and queries for which i need answers and suggestions Recently i opened an axis liberty savings account for my wife now i know that we have spend or maintain 25k per month but i have some questions regarding this account (A) if i keep 50k for one month than 0 in next month will any maintenance changes will be deducted or not?? (B) what kind of spending will count for monthly spending criteria?? (C) we have to spend 60k to merchant in a quarter for vouchers so is their any way to achieve this without actual spending for e.g if my wife has paytm/phonepe/gpay merchant account linked to different bank account than if I transfer 25k each month from her axis account to hers merchant account than will it count towards monthly spending criteria as well as towards voucher spending criteria?? (D) since i opened this account by visiting branch, the agent who processed my application told me 3 family accounts can be opened along with primary account with NIL charges i.e, no maintaining or spending of 25k required for family accounts but my question is what the agent told me is true or not?? If true will i get additional Rs 750 voucher if i spend 60k in family account or not?? (E) how is a quarter calculated?? Like I opened account 3-4 days back so my quarter will be from august to october or july to September?? (E) any specific debit card to be applied for getting quarterly vouchers although I haven’t got physical card as of now so can’t confirm variant but agent told me Rs 200+ gst will be charged annually with no joining fees is this correct card??
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Crowdpuller Crowdpuller
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@sauravDD

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Another query today i paid electricity bill on airtel app via axis airtel card, in first transaction money got deducted from card but after few mins i received an SMS from airtel that my transaction has failed and any money deducted will be refunded after this i made second transaction for which too money got deducted and i received transaction success SMS, i know sooner or later i will receive refund for first transaction but my question is earlier when if i paid my bill than retry it always throws an error no payment required but now even after receiving success SMS if i am trying again it is ready for another payment so how can i make sure payment has been received by electricity company?? Also i don’t have number registered with the biller so will not receive any payment SMS from them

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B) Merchant spends

C) The description of debit txn will show P2M if it is Merchant spends. This is the checkpoint.

image

E) Quarter for Voucher Calculation : Jul-Sep, Oct-Dec, Jan-Mar and Apr-June

@rahulsoni0706846

Edit:

A) in case u already spent 25k for both the months, No issues.

If not spent 25k for both the months u will be charged for Non Maintanence of MAN for 2nd month where 0 bal is kept.

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You mean for (C) i have try with small amount first and check p2m mentioned or not? Will try that also what are the other ways of achieving this like cred, paytm etc?? Also if possible can you share a masked screenshot of how p2m is mentioned on an eligible transaction
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A- Yes, because its monthly average balance and not two-monthly average balance. E- July to Sep. F- Liberty debit card, which will be given by default. 200+gst joining and 300+gst annual fee 

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A. Yes Charge will be deducted

B. P2M merchant UPI txn will show like this  /Debit Card /Net Banking Txn on Merchant 

C. Yes , Transfer on Bharat pe /Paytm merchant qr And check Txn history with P2M/txnid/Paytm wallet add money using dc or UPI then transfer to bank and many other way 

D. As far as I know There is no such offer/benefit They might change some different family account type

E. Financial Quarter (Jan-Mar ,Apr-June,.....)

F. No , Agent said correct liberty debit card is by default and Voucher offer is account offer not debit card benefits 

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For (D) you mean if i join my wife in family banking than they might change account to different account other than liberty? How can i confirm family banking is available in liberty or not??

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https://cdn0.desidime.com/attachments/photos/800413/medium/Screenshot_20220830-202158.jpg?1661871204

I have made credit card bill payments through PayTm using Axis liberty debit card and the transactions show up as ECOM PUR. Aren't these considered as Merchant payments?

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@vkrmjeet Aren't Ecommerce purchases considered Merchant payments? 
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It takes some time to settle the bill paid to electricity board & depending on the mode it can vary from a few minutes to few days. For example, my electricity board bill if paid via payzapp is settled within few minutes because my region electricity board uses HDFC bank acc for a portion of its billing operation but if BBPS is used(like amazon) then even after paying the bill it still gives me option to pay the same if tried within 1-2 hours.

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