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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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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Ransome wrote:
@vkrmjeet Aren't Ecommerce purchases considered Merchant payments? 
chances are 50-50 as paytm uses special merchant name and possibly diff mcc code for cc payments unlike mobikwik,paytm wallet add money.
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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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rahulsoni0706846 wrote:

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

@Random123 @getready @xxxyyyzzz @guest_999 @PowerStar @prem4998 @bohemian @vkrmjeet @Scorpion @decideaim @Tanmayyy @insta @Knight11

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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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Scorpion wrote:

B) Merchant spends

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

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

@rahulsoni0706846

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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PowerStar wrote:

Check Ur Bill In Online Most Of The Time It Will Settle Instantly 

U Need To Enter The Bill Number In Respective Bill Portal 

Bro i have tried 2-3 different apps each one of them ready to take payment
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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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rahulsoni0706846 wrote:
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
already edited and posted in prev post.

All ways working as of now. That is the beauty of this account. Hope it continues the same.
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PowerStar wrote:

Check Ur Bill In Online Most Of The Time It Will Settle Instantly 

U Need To Enter The Bill Number In Respective Bill Portal 

Yeah check directly on bill portal, other payment apps may show bill pending and allow double payment
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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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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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sauravDD wrote:

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 

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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rahulsoni0706846 wrote:
Bro i have tried 2-3 different apps each one of them ready to take payment

Who Is The Electricity Provider? 

They Should Have Online Portal Pls Check 

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PowerStar wrote:

Who Is The Electricity Provider? 

They Should Have Online Portal Pls Check 

Bses rajdhani, just checked from their website they also allowing payment in my account 

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rahulsoni0706846 wrote:

Bses rajdhani, just checked from their website they also allowing payment in my account 

Then Pls Wait 

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Ransome wrote:


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?

@vkrmjeet Aren't Ecommerce purchases considered Merchant payments? 
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Ransome wrote:
@vkrmjeet Aren't Ecommerce purchases considered Merchant payments? 
chances are 50-50 as paytm uses special merchant name and possibly diff mcc code for cc payments unlike mobikwik,paytm wallet add money.
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vkrmjeet wrote:
chances are 50-50 as paytm uses special merchant name and possibly diff mcc code for cc payments unlike mobikwik,paytm wallet add money.
Thank you. I should stick with UPI payments then instead of debit card. Karma added. 
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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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rahulsoni0706846 wrote:

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??

You can search on axis Bank website . Only below four account type is family account check your account type

Every family is unique. Choose and pick the family type that suits your family needs the best:


Prime Family

Prestige Family

Priority Family

Burgundy Family

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Ransome wrote:
@vkrmjeet Aren't Ecommerce purchases considered Merchant payments? 

All debit card txn will show Ecom Pur and it will be conside

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sauravDD wrote:

All debit card txn will show Ecom Pur and it will be conside

Is Paytm wallet load via debit card considered?

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1cooldesidd wrote:

Is Paytm wallet load via debit card considered?

Yes 

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sauravDD wrote:

All debit card txn will show Ecom Pur and it will be conside

It'll be considered Merchant payments? 
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Ransome wrote:
It'll be considered Merchant payments? 

Yes . You can't do self txn using debit card 

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sauravDD wrote:

Yes . You can't do self txn using debit card 

Excellent. Thank you. Karma added. Yeah, I use debit card for credit card bill payments & e-commerce transactions only. 
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rahulsoni0706846 wrote:

@Random123 @getready @xxxyyyzzz @guest_999 @PowerStar @prem4998 @bohemian @vkrmjeet @Scorpion @decideaim @Tanmayyy @insta @Knight11

One more issue from past 2 months i am unable to book bharatgas lpg gas cylinder online via BajajFinserv and airtel thankapp, everytime it throws different error also i have tried booking for 2 different lpg connections and at the same time if i book hp or indane cyclinder than it is working on same app anyone else facing issue for booking bharatgas lpg on BajajFinserv or airtel app??
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