Charges, Fees & Interest Rates
All details regarding charges, fees and interest rates applicable to users of Airtel Payments Bank account or wallet.
Schedule of charges Min KYC & Full KYC Wallets
Service
Fee/Charges (Rs)
Account opening
0
Load Money
Charges (Rs.)
Through debit card/net banking/UPI
0*
Credit card
2.18% of the load account
Payment
Charges (Rs.)
Payment at merchant
0*
Payment by using Virtual Card
0
Payment to Utility bill/recharges/DTH
0
Payment for IRCTC Train Booking (via Airtel Thanks App)
1.8% of the ticket fare (exclusive of GST)
*Charges basis agreement with the merchant subject to revision
Transfer
Charges (Rs.)
Wallet to wallet
0
Wallet(Full KYC Only) to bank
3% of transaction amount*
*For Failed transactions, total amount including charges are reversed.
Wallet Maintenance Charges:
1. If you have a Wallet with Airtel Payments Bank Limited, and you have not transacted for 3 calendar months Airtel Payments Bank is entitled to levy a wallet maintenance fee of ₹20 and deduct it from your existing Wallet balance.
2. Thereafter, in case you still do not transact during the 4th, 5th, 6th, 7th, 8th, 9th, 10th, 11th calendar months, Airtel Payments Bank is entitled to levy a wallet maintenance fee of ₹20 and deduct it from your existing Wallet Balance.
3. If Wallet Balance is less than Wallet Maintenance Charge, then the entire wallet balance will be debited and wallet balance will become zero.
4. If the Wallet Balance is more than Wallet Maintenance Charge, then charges will be debited as per schedule mentioned above.
5. In case you have initiated atleast one transaction of minimum amount of ₹50 during the month of charging, reversal of charges will be initiated equivalent to the amount charged.
6. For any queries contact Wecare@airtelbank.com
7. Reversal of Wallet Maintenance charges, as stated above, will be over and above other cashback.
Introduction of the Annual Maintenance Charge (AMC) and removal of Waller Maintenance Charges (Effective from 10th t November, 2025)
Annual Maintenance Charge
1. Effective 10st November 2025, an Annual Maintenance Charge (AMC) of INR 75 per year (exclusive of GST), will be levied by way of 4 quarterly installments of INR 18.75 (exclusive of GST) each, on all active Wallets at the beginning of each calendar quarter. The AMC will be collected starting 1st January 2026.
2. If sufficient balance is not available at the time of charging, the available balance will be debited. The remaining amount will be recovered automatically when funds are next added. If the Wallet balance is more than the Annual Maintenance Charge, then charges will be debited as per the schedule mentioned above.
3. You may opt out of AMC by either closing Your wallet anytime or upgrading to an Airtel Payments Bank Savings Account to continue enjoying banking benefits (T&C: https://www.airtel.in/bank/static/terms-conditions/savings-account).