Terms & Conditions
Applicable to those using Airtel Payments Bank
Terms & Conditions
Applicable for Customers using Traveler Plan Subscription Plan by Airtel Payments Bank.
1. Traveller's Plan Annual Subscription
Airtel Payments Bank Limited (“Bank”) provides an option to its Savings Account holders and Wallet holders (“Customer”) to avail additional benefits by buying Traveller’s Plan which includes benefits like cash back and insurance (“Plan”) along with the FASTag issued by the Bankvia its registered agents (off-line mode).
The Insurance Plan is being provided by the insurance partner and Bank has no role in provision of the insurance services/ benefits etc and that the same is complementary and free of charge.
Customer understands and hereby agrees to abide by the terms and conditions (“T&C”) as stated herein. These T&C shall be read in conjunction with the terms and conditions governing the:
Savings Account available and/or Airtel Payments Bank Wallet available at (https://www.airtelpayments.bank.in/static/terms-conditions/savings-account (https://www.airtel.in/bank/static/terms-conditions-savings, Terms & Conditions for Savings Bank & Wallet | Airtel Payments Bank); and
FASTag available at (https://www.airtelpayments.bank.in/products/fastag) https://www.airtel.in/bank/fastag-pay-toll-online/buy
(Collectively, referred to as “Terms and Conditions”).
Capitalized terms not defined in this T&C but are defined in the Terms and Conditions will have the meaning given to them in the General Terms.
“Bank’s App” shall mean and include Airtel Thanks App and any other mobile App as may be designated by the Bank from time to time.
The words, "Customer" refer to the person who open the Savings account or Wallet with the Bank.
The interested Customers can opt-in for the Plan by visiting any registered agent of the Bank. Customer acknowledges that interested Customer who choose to buy the Plan by clicking the check box i.e. Opt-in accept the under mentioned T&C and related consents and disclaimers/disclosures/declarations.
2. Eligibility
The customer may be an existing Airtel Payments Bank active SBA/wallet customer if not, a new wallet/SBA will be opened on spot.
To avail the benefits of Traveller’s Plan, Customer agrees to pay the annual subscription charges of INR 249 (inclusive of GST). w.e.f. 2 Dec'2025
3. Customer Obligations
To avail the benefits of Plan, Customer agrees to pay the annual subscription charges as determined by the Bank from time to time and published on the website of the Bank. Customer is advised to check the website of the Bank for any change thereof.
At the end of the subscription period, Plan subscription will be auto-renewed at the original price for the customers for a further period of 1 year unless Customer opts out. To opt out, Customers can open the Airtel Thanks App, go to the Banking section, and select ‘Traveller’. Under Active Plans, they can tap on ‘Traveller’ to access the Manage page. On the manage page they can toggle Auto‑Renewal ON/OFF.
If the auto-renewal of SBA/Wallet customers is not registered at the time of purchase, the customer can opt-in for auto-renewal from Manage page of Traveller on Thanks App. To opt out, Customers can open the Airtel Thanks App, go to the Banking section, and select ‘Traveller’. Under Active Plans, they can tap on ‘Traveller’ to access the Manage page. On the manage page they can toggle Auto‑Renewal ON/OFF.
4. Cashback
a) Customer would be eligible for cashback offers linked with Traveller’s Plan as per the below terms and conditions. Consistent cashback every month: The Customer availing Travelers Plan Subscription shall be eligible for cashback of 1% on all FASTAG Toll and Parking debit Transactions.
b) Cashback can be availed till maximum cashback is Rs 20 per month, during the validity of the subscription period.
c) Cashback will be credited to Customer’s SBA/Wallet within 90 working days from the date of the transaction.
d) Cashback not claimed in a particular month, will not be carried forward to the next month.
e) Bank may send any communications/letters etc. through courier/registered post/messenger/registered and verified email/SMS/in app notifications or through any other mode at its discretion and Bank. The Bank is also authorized to use the contact number/e-mail ID of the Customer, registered with the Bank, in connection with transactional, promotional as well as service related calls or messages, through Telephone/Mobile/SMS/e-mail/Whatsapp/ RCS by the Bank, its agents and/or its authorized service providers. However, the Customer have the right and option to reregister for DND/NDNC at any time at his/her discretion. Bank shall not be liable for any delay arising therefrom or for any errors or issues in the address/mobile number as provided by Customer. Updating the correct mobile number and communication address with the Bank shall be the sole responsibility of the Customer.
f) The Customer agrees that Bank reserves the right to block/suspend/close/freeze the Savings Account/Wallet of the Customer or suspend/restrict access to Bank’s platform without any prior intimation to the Customer, if Bank suspects any misuse or fraudulent transactions for the Traveller Plan’s Subscription. Such transactions shall be subject to investigation and actions as per Bank policy and/or shall be informed to the Government Authority as per applicable laws.
g) Customer hereby agrees to indemnify and hold harmless Bank against and from all and any loss, cost, compensations, third party claims, litigation, disputes, damages, awards, judgments etc., arising out of and/or related to any use/misuse of the funds for usage of the Traveller Plan’s subscription. Customer further agrees that any false/misleading information provided by Customer, or suppression of any material fact shall render the Savings Account/Wallet subject to closure, suspension and/or any such action as deemed necessary by the Bank. Bank may at its sole discretion suspend/cancel the Customer’s remaining subscription or such benefits as made available under the same.
h) In case the Customer is eligible for two (2) Cashbacks on same transaction, between Traveller’s Plan cashback & any other Bank offers then Customer will be eligible to avail benefits of only the higher of the two Cashbacks.
i) Traveller Plan subscription will remain active even if Fastag is deactivated. However, cashback will be provided to the Customer only for the eligible debit transactions from the FasTag of the Customer.
j) Cashback will be credited only to the Customer’s Savings Bank Account or Wallet and not the Fastag from which the transaction is performed.
5. Traveller Plan Auto-Renewal/SI (Standing Instruction)
a) Auto Renewal/SI for Traveller’s Plan will be captured for the Customers (applicable for wallet customers w.e.f. 25-Feb-2026)
b) Customer agrees to provide consent for Standing Instruction or Auto renewal of Traveller’s Plan at the time of buying Traveller’s Plan or when Customer chooses to opt-in via the manage page of Traveller’s Plan on Bank App.
c) Customer can choose to opt out of auto-renewal of Traveller’s Plan from the Manage Section of Bank’s App.
d) Prior to expiry, reminder SMS communications will be sent to the Customer regarding their subscription so that they may manage their renewal settings or maintain the required amount of funds in their account to process auto-renewal for Traveller’s Plan.
e) On expiry date, for Customer with renewals opted-in, the subscription fees will be auto-debited for renewal of subscription from their account/wallet as may be applicable.
f) On a successful auto-debit & activation, Customer will receive the confirmation SMS and will be able to view their renewed benefit details on the Bank’s app.
g) Existing Plan will be renewed after the auto-debit is successful. Customer will receive the confirmation via SMS from the Bank.
h) If a Customer purchases ‘Rewards Mini subscription’ with Airtel Prepaid Recharges, their Traveller Plan’s subscription SI will be automatically deactivated in accordance with its terms and conditions.
i) For Customers whose subscription fees cannot be deducted due to technical error/insufficient balance/ any other reasons, a retry will be enabled post the expiry date. During retry, an attempt to debit the subscription fee for auto-renewal will be made every day until the:
i. Subscription fees are successfully debited, or
ii. The customer opts-out of subscription renewal
j) Auto-renewals occurring on or after 1st February 2026 shall be processed at the revised fee of Rs. 249 (inclusive of applicable GST). These charges are subject to change at the sole discretion of the Bank with prior intimation to Customers.
*In the event, the Bank is unable to debit the subscription renewal charges for the Customers due to any reasons, including the reasons specified above, before the abovementioned cutoff date, the subscription shall be renewed at the prevailing subscription renewal price.
6. Group Accident Guard offered and issued by TATA AIG General Insurance Company Limited (called as “Scheme” or “Policy”)
The below mentioned Insurance TnCs are a part of the Traveler’s Subscription Plan Opted by Active SBA and Wallet holders while purchasing FASTag.
Master Policyholder Name: Airtel Payments Bank Limited
Eligibility: This group policy is for all ‘Active’ Savings Bank Account holders and Wallet holders of the Bank, who has enrolled into Travelers Plan at the time of purchasing a FASTag from the Bank.
- Age of Entry: minimum entry Age is 18 years
- Tenure/Cover Period: 1 Year from Risk Commencement Date
Coverage Details/Inclusions
Accidental Death: Tata AIG General Insurance Company Limited ( “Insurer” or “TATA AIG”) will pay INR 5,000 for Death of insured person (“ Scheme Member” or “insured” or “insured person”), directly and independently resulting from an Accident within the Policy / Cover Period. The loss must be within twelve (12) months from the date of the Accident which caused injury. Once a Claim has been accepted by Insurer and paid as per Insurer’s underwriting process then this Policy shall immediately and automatically cease in respect of that Insured Person for remaining period of the Cover Period. The Policy Risk start date will be T, i.e. the transaction date with no waiting period.
Accidental Medical Expenses: Tata AIG General Insurance Company will reimburse up to INR 1,00,000 or actuals, whichever is lower for Injury due to an Accident to the Insured Person(s) within the Policy / Cover Period which results in In-patient medical expenses subject otherwise to all other terms, conditions and exclusions of the Policy. A minimum of 24 hours hospitalization is required. The Policy Risk start date will be T, i.e the transaction date with no waiting period
Emergency Assistance Service: Same is covered and is provided by the empanelled assistance service provider of TATA AIG. For details, refer the annexure.
The Benefits which are mentioned above shall only be available under the Policy.
Pre-requisite Criteria
The coverage is applicable to a valid accidental event only.
The accident will be considered valid only when it happens during the Policy coverage when the insured/FASTag owner is driving or being accompanied as a passenger in the same vehicle for which he or she has purchased the above FASTag and FASTag is affixed. This will be applicable for all the coverages provided in the policy.
The person who is purchasing the FASTag should be the owner of the vehicle for which he or she is purchasing the FASTag or should be the immediate blood relative (1st relation i.e Spouse, Son, Daughter, Mother or Father) of the owner purchasing the FASTag on the owner's behalf. If, in any case, the vehicle is registered under someone else's name and the FASTag for that vehicle is bought by an insured who is not the owner or immediate blood relative (1st relation) of the owner of the vehicle, TATA AIG won't be liable to pay any claim.
For one vehicle, only one policy can be purchased.
If a person is found to be covered multiple times under this policy, TATA AIG will be liable to settle the claim on any one Policy Number only.
If the blood relatives of the owner of a specific vehicle have purchased FASTag for that same vehicle multiple times and all are traveling within the same vehicle that met with an accident, then in that case TATA AIG will be liable to pay claims in a maximum of 3 valid Policy Numbers.
In case the savings bank account or wallet account is found to be inactive or exits the group after sourcing is done and during the policy coverage (being active at the time of sourcing), the enrolment will remain in effect for the remaining tenure until the Policy expiry date.
Important Exclusions
The Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, in respect of:
Any Pre-existing disease, any complication arising from it.
Any claim of Insured Person arising from:
a. suicide or attempted suicide.
b. wilful self-inflicted illness or injury except injury in self-defence or to save life; or
Being under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication.
Participation in an actual or attempted felony, riot, crime, misdemeanour (excluding traffic violations) or civil commotion.
This is only a summary of the product features/terms/conditions/exclusions. For complete list of Exclusions, please refer Insurer website www.tataaig.com.
General Covenants
Commencement of risk cover under the policy is subject to receipt of premium by Tata AIG General Insurance Company Limited.
These terms and conditions shall at all times be read in conjunction with master policy including as to the T&Cs of the master policy, the sum insured under the master policy and the premium payable under the master policy.
Policy Issuance- Once the payment is received for the Traveler’s Subscription Plan. The customer will receive an SMS on his registered mobile number with the Policy Number which will be imply that the Policy has been successfully issued and will be considered for any grievance or claim. Please note, there will not be any hard copy or Soft copy of the Certificate of Insurance shared to customer by the Bank.
Free Look Period/Cancellation: Free look period/Cancellation is not allowed under this policy so there will be no benefit amount provided to customer if he/she wants to cancel the policy.
Suspension / Termination of Scheme- In case the savings bank account or wallet account is found to be inactive or exits the group after sourcing is done (being active at the time of sourcing), the Policy will remain in effect for the remaining tenure until the expiry date. However, Tata AIG General Insurance Company may at any time terminate this Policy on grounds of misrepresentation, fraud, non- disclosure of material facts or non- cooperation by Insured Person or any Insured Person or anyone acting on Insured Person’s behalf or on behalf of an Insured Person by sending an endorsement to Insured Person address shown in the Schedule to this Policy.
Claims Administrator Detail/Policy Servicing/Grievances/Complaints: Insured Person(s) can notify a Claim by sending an SMS CLAIMS to 5616181 or by calling Tata AIG General Insurance Company’ 24x7 toll free helpline 1800-266-7780 or 1800-229966 (only for senior citizen Policy holders). Please use the Claim Intimation Form for intimation of a claim. Tata AIG General Insurance Company is committed to extend the best possible services to its customers. However, if you are not satisfied with our services and wish to lodge a complaint / claim, please feel free to call at above numbers or you may email to the customer service desk at [email protected]. Please refer Tata AIG General Insurance Company’s website for the grievance redressal policy.
Claim Process: It is a Condition precedent to Tata AIG General Insurance Company’s liability hereunder that notice of Claim must be given by the Insured Person to Tata AIG General Insurance Company within seven (7) Days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than One (1) month after an actual or potential loss begins. Failure to furnish such intimation within the time required shall not invalidate nor reduce any Claim if the Insured Person can satisfy Tata AIG General Insurance Company that it was not reasonably possible for the Insured Person to give intimation / documents within such time. Tata AIG General Insurance Company may relax these timelines only in special circumstances and for the reasons beyond the control of the Insured Person.
Claim Documents
· Name of Injured person
· Date & Time of Loss, Location of accident
· Nature of Injury / Accident
· Name of Hospital / doctor where treatment taken
· Copy of Death Certificate in case of Accidental Death
· Copy of Discharge card / summary, diagnostic test reports, etc
· Name / Location of police station, if case is reported with police
· E-mail ID & mobile/ telephone no. of Insured Person / Contact Person
For complete list please read the Policy wordings
Please send a duly signed Claim form and all the information / documents mentioned below to Tata AIG General Insurance Company within One (1) month of the date of loss / Injury.
It is a Condition precedent to The Company’s liability hereunder that notice of Claim must be given by the Insured Person to The Company within seven (7) Days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than One (1) month after an actual or potential loss begins
Prohibition of Rebates – Section 41 of Insurance Act, 1938 as amended by Insurance Laws (Amendment) Act, 2015:
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees
Policy is subject to other terms and conditions of Policy wordings, general terms & clauses, inclusions, exclusions, benefits, claims etc., please click on the below link:
https://www.tataaig.com/s3/GROUP_ACCIDENT_GUARD_POLICY_Polciy_Wordings_7354e32876.pdf
For any help or query please call TATA AIG General Insurance Company Ltd at their 24x7 toll free helpline 1800-266-7780 or 1800-229966 (only for senior citizen Policy holders).You can also contact Airtel Payments Bank at 400 or 8800688006.
Annexure: Emergency Assistance Service – A waiting period of T+7 will be applicable for the below mentioned assistance services.
· First Aid Services
· Ambulance Service/ Transportation to hospital
· Tele/Video consultation
· Resuscitation aid
· Assistance for appointment booking at hospital
· Assistance to coordinate with insurance for claim processing
· Accommodation assistance after first aid services, if required.
· Location alert to an immediate family member.
· Assistance in case of Medical Legal Case
· Emergency Medical Payments assistance - Arrangement of cash advancement
· Investigation/diagnostic test assistance – Arranging Emergency Diagnostics Logistics
· Emergency Pharmacy Delivery
· Assistance in Repatriation of mortal remains