On Trustpilot, Coinpayu has ~3.9 / 5 from over 1,000+ reviews. Many users say it does pay out small amounts, that the interface is easy, and that payments are mostly reliable. Trustpilot
Some YouTube reviewers (e.g. “Coinpayu Review – Real or Fake?”) call it “legit” as a paid‑to‑click / PTC site, but emphasize that earnings are very low and it may not be worth the time. YouTube
On Reddit, there are users who say they were able to withdraw small amounts in crypto (e.g. “I cashed out 5 euro”) through the site. Reddit
https://www.coinpayu.com/lp3/jaimavady23
👎 Negative / Warning Signals
On Sitejabber, CoinPayU has a 1.9 / 5 rating from 15 reviews. Many complain about accounts being suspended, withdrawal being blocked, or “they take all your earnings” after you become “inactive.” Sitejabber
Some blog / review sites label Coinpayu as a scam or at least a very risky site. E.g. PlanetOfReviews says it may pay initial users but then stall payments and hide behind increasing requirements. Planet of Reviews
LegitExaminer reports many user complaints:
• Withdrawal delays (promised “within 3 days” but extended to 30 days) Legit Examiner
• Unresponsive or generic customer support Legit Examiner
• Accounts banned or put on hold with little explanation Legit Examiner
• Verification demands that seem intrusive (live photo, voice recording, QR codes) Legit Examiner
Scamadviser gives a “relatively high” trust score, but with caveats: the site’s owner is hidden in domain registration, and because it deals in crypto/earnings, it carries inherent risk. ScamAdviser
Another evaluation by Scamadviser is more skeptical, noting that the identity of the owner is hidden and that crypto‑earning sites are higher risk. ScamAdviser
Some users on forums warn that these types of PTC / “earn money online” schemes often operate like bait‑and‑switch: small payouts initially to build trust, then harder obstacles to cash out. Planet of Reviews+1
On Reddit, several users assert it is a “scam,” or at least “legit scam” (i.e., something that works at first but then traps users). Reddit+1
⚖️ Overall Assessment & Takeaways
It might “work” at small scales, i.e. for very modest payouts, for some users. The existence of users claiming small successful withdrawals suggests it’s not obviously a total fraud (at least for low amounts).
Because of the nature of these earning schemes (PTC, “do tasks for crypto / points”), the value you get relative to time and effort is likely very low.
Fedbank Financial Services Limited is set to release its Q3FY2024 results on January 15. Thus, it is advisable to add this stock to the watchlist. The company is a subsidiary of The Federal Bank Limited and provides Gold Loans, Home Loans, Loan Against Property (LAP), and Business Loan Services.
2)First Source Solutions Ltd (CMP Rs 209.90)
Firstsource Solutions Limited is a leading player in the Business Process Management (BPM) industry. Part of the RP-Sanjiv Goenka Group, Firstsource provides bespoke services and solutions to its customers across Banking and Financial Services, Healthcare, Communications, Media and Technology, and other diverse industries. The stock experienced a significant surge in trading volume today, surpassing its weekly average by over 21 times. Considering this positive signal, it’s advisable to consider adding this stock to your watchlist.
3)D B Realty Ltd (CMP Rs 222.65)
Today, the shares of D B Realty Ltd were locked in an upper circuit of 10% signalling bullish momentum. The company is engaged primarily in the business of real estate construction, development and other related activities. Most of the projects are based in and around Mumbai and are under various stages of planning and construction. Add this stock to the watchlist.
4)Ashiana Housing Ltd (CMP Rs 311.35)
Ashiana Housing’s principal business activity is Real Estate Development. Today, the shares of the company reached a new 52-week high price of Rs 321 indicating increased buying momentum in the stock. Given this positive signal consider adding this stock to the watchlist
Wardwizard Innovations & Mobility Limited focuses on providing clean and greener alternatives to current ways of life through two-star products, Joy E-Bikes and Vyom Innovations. The company is set to release its Q3FY2024 results tomorrow. Thus, it is advisable to add this stock to the watchlist.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.
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In India, Axis Bank is one of the premier banking institutions that offer a wide range of financial services, which include credit cards, too. Over time the bank has transformed to be a major credit card issuer in the nation. Ranging from entry-level to premium categories, Axis Bank Credit Cards cater to the requirements of various individuals. For example, one can find some credit cards solely focused on travel, shopping, rewards, or cash back. Some of them provide a variety of benefits such as fuel surcharge waivers, discounts on dining and shopping, complimentary movie tickets, free access to domestic and international airport lounges, and many more.
In this blog, Fintra presents some of the features and benefits of the top 13 Axis Bank Credit Cards in India for 2023.
Following are the Top 13 Axis Bank Credit Cards in India you must own in 2023:
Axis Bank ACE Credit Card
In India, Axis Bank ACE Credit Card is known to be one of the best cashback credit cards. The card offers the highest cashback of around 5% on specific brands and categories, 2% on all other transactions, and 4% cashback on Ola, Zomato, and Swiggy. In comparison to the facilities it offers, the credit card's annual fee is fairly low. Axis Bank ACE Credit Car is best for those seeking a good value-back credit card.
Following are some of the highlights of the Axis Bank ACE Credit Card:- CLICK
Spend up to Rs. 10,000 within 45 days of card issuance to get the joining fee reversal
Spend Rs. 2 lakh or more in a year to avail of the annual fee waiver
Get 5% cashback on bill payments, DTH recharge, and mobile recharges on Google Pay
Get 4% cashback on Ola, Zomato, and Swiggy
Get 2% cashback on all other spends
There's no upper limit on cashback
4 complimentary domestic airport lounge access per calendar year
Avail a 1% fuel surcharge waiver on fuel purchases at all fuel stations in India. This is valid on transactions between Rs. 400 to Rs. 4000
Get up to 20% off at 4000+ partnered restaurants in India
Easily convert transactions of Rs. 2,500 or more into EMI
In India, Flipkart Axis Bank Credit Card is claimed to be the best cashback credit card as it unlocks a world where there are rains of cashback with every transaction! Users can obtain up to 5% cashback on Flipkart, Myntra, and other partnered websites along with 1.5% flat cashback on all other spendings. It's believed after Axis Bank ACE Card that offers 2% cashback, Flipkart Axis Bank Credit Card has the second-highest flat cashback rate in the market. Since it's a co-branded card, it provides the best benefits inclined towards Flipkart and its partnered merchants. With accelerated cashback ranging from various categories like travel, shopping, entertainment, and lifestyle, with this card, there’s no limit to what you can earn.
Following are some of the highlights of the Flipkart Axis Bank Credit Card:- CLICK
The Welcome Benefits include getting a package amounting to a total of Rs. 1,100. The welcome/activation benefit includes: Getting a Flipkart voucher worth Rs.500 on the first transaction, 15% cashback up to Rs. 500 on making the first transaction on Myntra, and get 50% discount, up to Rs. 100, on the first transaction for new Swiggy customers
By making transactions on Flipkart and Myntra get a 5% cashback
Get 4% cashback on Preferred Merchants
In all other categories get 1.5% cashback
4 complimentary domestic airport lounge visits every year
Avail 1% fuel surcharge waiver for transactions worth Rs. 400 to Rs. 4,000
Get up to 20% discount at 4,000+ partnered restaurants
Easily convert transactions of Rs. 2,500 or more into EMI
Get the annual fee waived on annual spending of more than Rs. 2,00,000
Axis Bank Neo Credit Card, one of the most affordable credit cards, has been designed for frequent online shoppers because it provides discounts on Book my show, Amazon, Myntra, Paytm, and more. The card can also be used for dining out, ordering food, paying bills, and obtaining entertainment benefits. One phenomenal aspect of Axis Bank Neo Credit Card is that it provides a 40% discount on Zomato. This card is generally considered best for singles, small families, and students.
Following are some of the highlights of the Axis Bank Neo Credit Card:- CLICK
Obtain an Amazon gift voucher worth Rs. 250, a Zomato Voucher worth Rs. 200, a Blinkit voucher worth Rs. 250, and a Pharmeasy subscription for 6 months by using the card for spending within 30 days of issuance
Avail 40% discount on food delivery at Zomato. The maximum discount is capped at Rs. 120 per order. This offer is applicable on a minimum spend of Rs. 200, and users can avail it up to twice a month
Obtain 5% cashback on mobile recharges/electricity bill payments/DTH Recharges done via the Paytm app. The maximum cashback is capped at 150 per month. Users can avail the cashback once a month
Get 10% off on Blinkit, up to Rs. 250 off on minimum spennds of Rs. 750. This is valid once every month
Avail 10% discount whenever shopping at Myntra on a minimum purchase value of Rs. 500
Get 10% discount on every movie ticket bought on BookMyShow with maximum monthly benefits of up to Rs. 100
Get up to 15% off on dining at partnered restaurants in India
Easily convert transactions of Rs. 2,500 or more into EMI
Get EDGE REWARDS points when making transactions and use them to redeem 500+ rewards and offers. Earn 1 point on every Rs. 200 spent using the card
Zero Lost Card Liability
MasterCard Cardholders, can visit the MasterCard Shop Perks website to avail of exciting cashback on popular brands
With Axis Bank, My Wings Credit Card, travel smartly as it provides special features relating to air, railway, and road travel. This card offers exhilarating benefits and features for every traveler. Cardholders can get complimentary two-base fare flight tickets, access to airport lounges, cashback offers on IRCTC, bus tickets, railway tickets, and domestic flights.
Following are some of the highlights of the Axis Bank My Wings Credit Card:- CLICK
One can redeem 2 complementary base fare flight tickets
Get up to 15% off on dining at partnered restaurants in India
Easily convert transactions of Rs. 2,500 or more into EMI
Get complimentary domestic airport lounge access
Obtain up to 20% cashback on bare-fare domestic flight bookings.
One can benefit from cashback on tickets booked on the IRCTC website. Get a Rs. 20 discount every time a ticket gets booked through the card. The maximum cashback per transaction one can get is Rs. 25, and the maximum annual benefits per cardholder can get is Rs. 200
Now travel easy with hotel and holiday vouchers that are worth Rs. 10,000:
a. Get Rs. 500 cashback on booking any domestic return flight ticket and Rs. 1,500 cashback on booking any international return flight ticket
b. Get Rs. 1,000 cashback on booking any hotels in India, Nepal, and Bhutan on a minimum booking value of Rs. 7,000 and Rs. 1,500 cashback on international hotel bookings of Rs. 7,000 and above
c. Get Rs. 2,500 cashback on domestic holidays worth Rs. 20,000 and above, and get Rs. 3,000 cashback on booking any international holidays on a minimum booking value of Rs. 20,000 and above
Get cashback by booking bus tickets- obtain Rs. 100 on bus ticket bookings
Get cashback by renting cars in India- Obtain flat Rs. 400 per car booking
Get a 1% surcharge waiver at fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 4000
Get EDGE REWARDS points when making transactions and use them to redeem for 500+ rewards and offers. Earn 4 points on every Rs. 200 spent using the card
Axis Bank SELECT Credit Card, a premium credit card, is best suited for those who desire to obtain multi-dimensional benefits in shopping, lifestyle, travel, and other categories. You will even get a complimentary Amazon e-voucher and exclusive online discounts on groceries and food.
Following are some of the highlights of the Axis Bank SELECT Credit Card:- CLICK
The Welcome Benefits include availing Amazon voucher worth Rs. 2,000 when making the first transaction within 90 days from the date of card issuance
On BigBasket, get a 20% discount, max Rs.500, once per month on a minimum transaction of Rs. 2,000
On Swiggy, get a 40% discount, max Rs. 200, twice a month on a minimum transaction of Rs.400 per order
Purchase 1 and get 1 movie ticket free on BookMyShow, once per month. The maximum discount given is Rs. 300 on the second ticket
Avail complimentary Priority Pass Membership worth USD 99 that has 12 complimentary International lounge visits in a year
Get 2 complimentary domestic lounge visits per quarter
The renewal of Priority Pass membership will occur on the annual spending of Rs. 3 lakhs in the preceding year
The renewal of offers will also occur on BigBasket, Swiggy, and BookMyShow
Get 5000 EDGE points on spending Rs. 3 lakhs in a card anniversary year
Get a complete waiver of the annual fee by spending Rs. 6 lakhs on a card anniversary year
Avail 10 Axis EDGE Reward Points on every spend of Rs. 200
Avail 2x per Rs. 200 on Retail Shopping spends
6 complimentary Golf rounds every year
Get an extra 3 Golf visits by spending Rs. 3 lakhs annually
24×7 concierge
Avail up to Rs. 1000 off and more via the Dining Delights Program
The bank curates extraordinary experiences exclusively for their premium customers
Avail a 1% fuel surcharge waiver on fuel at fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 4,000; the maximum surcharge waiver is Rs. 400 per month
Get purchase protection up to Rs. 1 lakh
Get cumulative cover up to USD 500 for the following: Loss of travel documents, Delay of check-in baggage, and Loss of check-in baggage cover
Axis Bank Vistara Signature Credit Card, a co-branded credit card launched with Vistara Airlines, is claimed to be one of the best travel cards in India. It offers various benefits like complimentary Club Vistara Silver membership, complimentary airport lounge access, premium economy ticket, and insurance benefits. Apart from this, the card even offers reward benefits on all purchases. Cardholders will earn Club Vistara points on eligible spending as well.
Following are some of the highlights of the Axis Bank Vistara Signature Credit Card:- CLICK
As a Welcome Gift, get a Premium Economy class ticket voucher and continue to enjoy this benefit when renewing the card membership every year
Get a complimentary Club Vistara Silver Membership when making the fee payment of the card
Get 4 Club Vistara (CV) points for every Rs. 200 spent on all categories. The points can then be redeemed for upgrades and award flights
On achieving milestone spends, avail bonus CV reward points and up to 4 complimentary Premium Economy tickets
Complimentary domestic airport lounges access
Get up to 25% discount at partnered restaurants in India
Avail 3 complimentary rounds of golf at some of the best destinations in India
With the Extraordinary Weekends feature, enjoy specially curated unique experiences across the globe
Get purchase protection cover up to Rs. 1 lakh
Loss of travel documents cover up to USD 300
Loss of Check-in Baggage cover of up to USD 300
Delay of Check-in Baggage cover of up to USD 300
Easily convert transactions of Rs. 2,500 or more into EMI
Avail a 1% fuel surcharge waiver on fuel transactions at fuel stations in India
The Axis Bank My Zone Credit Card provides various benefits across entertainment, shopping, and dining. The card offers benefits on some of the top brands like Swiggy, Paytm Movies, and Ajio. The card also provides a complimentary annual SonyLiv membership and complimentary airport lounge access.
Following are some of the highlights of the Axis Bank My Zone Credit Card:- CLICK
Purchase one movie ticket and get the second one with 100% discount at Paytm Movies. The maximum discount one can avail in a calendar month is Rs. 200
At Swiggy, get 40% discount on food delivery. The maximum discount per order is Rs. 120, and it is applicable on minimum spends of Rs. 200. Users can avail this discount 4 times a month
Avail a complimentary SonyLiv Premium annual subscription, worth Rs. 999, on the first spend within the first 30 days of card issuance. The SonyLiv Premium membership renewal occurs when users spend Rs. 1.5 lakh in a card anniversary year
At Ajio on a minimum spend of Rs. 2,000 get flat Rs. 600 off
Earn 4 EDGE reward points on every Rs. 200 spent via the credit card
1 complimentary domestic airport lounge access per calendar quarter
Get a 1% fuel surcharge waiver at all fuel stations in India on fuel transactions between Rs. 400 and Rs. 4,000. The maximum benefits are up to Rs. 400 per statement cycle
Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
Get up to 20% off at partnered restaurants in India under the Dining Delights program
Axis Bank Reserve Credit Card is enriched with a host of best-in-class privileges and uncontrolled indulgences. It's created to make every journey special, the card will delight its user every step of the way because when it arrives at the cardholder, luxury always leads the way.
Following are some of the highlights of the Axis Bank Reserve Credit Card:- CLICK
Get 8 complimentary VIP Assistance Services at the airport
Get 4 complimentary chauffeured luxury airport transfers every year
Unlimited complimentary international airport lounge access for primary and add-on cardholders along with Priority Pass membership, 12 complimentary visits in a year for accompanying guests
Unlimited complimentary domestic airport lounge access for primary and add-on cardholders, 12 complimentary visits in a year for accompanying guests
Complimentary Club ITC Culinaire membership with numerous benefits at ITC hotels such as the following:
a. Get a complimentary third-night stay
b. Get 50% savings on published room tariff for suites on weekends
c. Get 25% Green Points on food and beverage spending
d. Avail a bouquet of 10 certificates and more
Complimentary Accorplus membership that offers the following benefits with multiple benefits:
a. Avail 1-night complimentary stay in the Asia Pacific region
b. Get a complimentary room upgrade
c. Avail up to 50% discount on dining
d. Get a complimentary lunch buffet for 2 in all Accor Hotels in India
Get complimentary Handcrafted Club Marriott Asia Pacific membership that offers a 20% discount on food and beverage and a 20% discount on the best available rates at the participating Marriott hotels in India and on weekend rates in the Asia Pacific
Get exclusive offers at Oberoi hotels and resorts. One can have 15% savings on room only rate and room with breakfast rate or third night complimentary, and 50% savings on the best available rates on suites
Enjoy 15% savings at Postcard hotels. The benefits include getting a 15% discount on the best available room rate, a time you can check in and check out, and a complimentary lifestyle consultation
Get 50 complimentary golf rounds every year at premium golf courses in India
Avail complimentary membership of the EazyDiner Prime dining program in which you can save up to 25% at participating restaurants across India
Buy one movie ticket and get up to Rs. 500 discount on the second ticket for a maximum of 5 times a month on BookMyShow. Moreover, purchase 1 non-movie ticket and obtain up to Rs. 1000 off on the second ticket for a maximum of 5 times a month
With the Extraordinary Weekends feature, enjoy specially curated unique experiences across the globe
Get 50,000 reward points on card activation and renewal
Get 15 Edge Reward Points per Rs. 200 spent
Earn 2X Reward Points on all international spends
The annual fee of Rs.50,000+ taxes will get waived off by spending Rs. 25 Lakh in the preceding year
Enjoy the reduced mark-up of 1.5% on international transactions
There are no cash withdrawal charges
Get a fuel surcharge waiver of 1% on transactions between Rs. 400 to Rs. 4000
Get Insurance benefits that include counterfeit/lost card liability up to the credit limit, purchase protection of Rs. 2 Lakhs, loss/delay in baggage and personal documents cover of 500 USD, and credit shield cover of Rs. 5 Lakhs
Axis Bank Atlas Credit Card is claimed to be an airline-agnostic travel credit card invented to benefit individuals on every travel they make. With this card, one can enjoy exclusive travel benefits and much more.
Following are some of the highlights of the Axis Bank Atlas Credit Card:- CLICK
As a Welcome Benefit, get 5000 EDGE Miles upon making the first 3 transactions on the card within 60 days from the date of card setup
Get to be an exclusive Silver membership tier that offers a host of benefits. Do note that as the cardholder spends more in its anniversary year, its membership tier will get upgraded
One can also unlock additional benefits in Gold and Platinum tier memberships. In an anniversary year, when spends hit Rs. 7.5L, get upgraded to the Gold tier and when spends go beyond Rs. 15L, get upgraded to the Platinum tier. Every tier has Milestone and Annual benefits in the form of EDGE Miles which can be redeemed. Every tier has 5X accelerated rewards on the TRAVEL EDGE portal and partner airlines
As a special anniversary gift, receive up to 10,000 EDGE Miles on completion of a year
The Milestone Benefits include unlocking EDGE Miles up to 10,000 on Spend Milestone
Earn 1X EDGE Miles for every Rs. 100 spent on other spends
Earn 5X EDGE Miles for every Rs 100 spent on travel spendings
Earn 2X EDGE Miles on FX Transactions for every Rs. 100 spent
Complimentary domestic and international airport lounges access
Complimentary airport concierge service and airport pick-up service
Get up to 20% discount at over 4,000 restaurants in India
Get a 1% fuel surcharge waiver at all fuel stations in India on fuel transactions between Rs. 400 and Rs. 4,000
Airtel Axis Bank Credit Card opens doors to a world of privileges and benefits because it provides exclusive offers, cashback, and other added delights.
Following are some of the highlights of the Airtel Axis Bank Credit Card:- CLICK
Get a welcome gift that includes an Amazon eVoucher worth Rs. 500
Avail up to 25% cashback on spends done via the Airtel Thanks app
Get 10% cashback on utility bill payments
Get 10% cashback on Zomato, Swiggy, and bigbasket
Get 1% cashback on all other retail spends
Get 4 complimentary domestic airport lounge access per year
Avail 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 to Rs. 4000
Get up to 20% discount at over 4,000 restaurants in India
Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
Get the annual fee waived by doing annual spends greater than Rs. 2,00,000
SpiceJet Axis Bank Voyage Black Credit Card welcomes you aboard to enjoy the essence of a premium lifestyle accompanied by amazing rewards for a delightful travel experience. You can earn SpiceClub Points on every purchase and enjoy a huge variety of other benefits.
Following are some of the highlights of the SpiceJet Axis Bank Voyage Black Credit Card:- CLICK
As a welcome benefit, get a SpiceJet flight voucher worth Rs. 4,000
Get a complimentary SpiceClub Gold membership on card issuance, and complimentary SpiceJet add-on vouchers worth Rs. 6500
Gain up to 28 SpiceClub Points for every spend of Rs. 200 on the SpiceJet mobile application and website
Gain up to 12 SpiceClub Points for every spend of Rs. 200 on online food orders, online bill payments, and online entertainment
Gain 6 SpiceClub Points for every spend of Rs. 200 on all other domestic retail and international transactions
Earn 4000 SpiceClub Points on achieving annual spends of Rs. 2 lakh
Avail 6000 SpiceClub Points on achieving annual spends of Rs. 4 lakh
Get 2000 SpiceClub Points on every renewal of the card
Get 8 complimentary domestic airport lounge access every year
1% fuel surcharge waiver on all fuel transactions in India
Get up to 20% discount at over 4,000 restaurants in India
Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
SpiceJet Axis Bank Voyage Credit Card welcomes you aboard with amazing rewards to have a delightful travel experience. One can earn SpiceClub Points on spending and get a variety of other benefits.
Following are some of the highlights of the SpiceJet Axis Bank Voyage Credit Card:- CLICK
As a welcome gift, get a SpiceJet voucher worth Rs. 1,500
Obtain complimentary Spice Club Silver Membership
Gain up to 18 SpiceClub Points for every spend of Rs. 200 on the SpiceJet mobile application and website
Gain up to 6 SpiceClub Points for every spend of Rs. 200 on online food orders, online bill payments, and online entertainment
Gain 3 SpiceClub Points for every spend of Rs. 200 on all other domestic retail and international transactions
Earn 2000 SpiceClub Points on achieving annual spends of Rs. 1 lakh
Avail 3000 SpiceClub Points on achieving annual spends of Rs. 2 lakh
Get 1000 SpiceClub Points on every renewal of the card
Get 4 complimentary domestic airport lounge access every year
1% fuel surcharge waiver on all fuel transactions in India
Get up to 20% discount at over 4,000 restaurants in India
Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
Amongst other top banks in India, Axis Bank is also one of the major credit card issuers along with being popular for its great offerings. Right from premium to very basic cards, one will find all types of credit cards ranging from diverse categories in Axis Bank’s portfolio. Since Axis Bank has several credit cards, it can get hard for individuals to go through all the benefits and features of all the cards to pick the best one. Thus, in this blog, Fintra has highlighted all the details about the top Axis Bank Credit Cards. Now, you can simply read, compare them, and select the right one.
high rating from its customers with 95% positive reviews
Starting at only ₹1.5 per Day*
Bike Insurance
Bike insurance prices starting at just ₹555*
Buy or Renew Two Wheeler Insurance Online in 60 Seconds ⚡️
The Acko General Insurance Company is one of the newest entrants in the Indian general industry. It is the only general insurance company in India that sells all of its plans online. The company was founded in 2016 and received the IRDA licence in 2017. Headquartered in Mumbai, it is one of the fastest-growing motor insurance providers in India.
There are over 50 million customers in Acko Insurance Company with the partnership of more than 400 agencies including Ola, OYO, Amazon as well as RedBus. There are various types of innovative products launched by Acko Insurance Company which includes trip insurance, hotel-stay insurance plans and coverage for electronic products and equipment. Acko had launched a micro-insurance plan with Ola for which it had received the Golden Peacock Award for Innovative Product.
Types of Acko Two Wheeler Insurance Plans
When you look to buy a two-wheeler insurance plan from Acko, you get the following options to choose from:
Third-party liability only insurance plan -
The Indian government has made it compulsory for all bike owners to have a basic form of insurance when they purchase the vehicle. This is known as third-party liability bike insurance. If you happen to injure the third party’s vehicle or property when riding your bike, you will have to pay for the damages. The third-party liability plans offer coverage for this. The third-party liability covers are available from Acko Two Wheeler Insurance.
There are 2 types of Liability Only Two Wheeler Insurance Plans available with Acko General Insurance:
One year Liability Only Plan:
Which covers the third party liability for only one policy year.
Long Term Liability Only Plan:
Which covers the third party liability for the entire tenure for which the policy has been opted for like 2 or 3 years
Comprehensive insurance plan -
This is called the Two Wheeler Package Policy. When you buy a third party liability insurance plan, you do not get any coverage for your own vehicle. For that, you need to invest in a comprehensive two-wheeler insurance policy, which offers the third party liability benefits along with cover for your own bike too. You can buy the comprehensive plans from Acko Two Wheeler Insurance too. This policy covers third-party liability + own damage to the bike.
There are 2 types of Comprehensive Two Wheeler Insurance Plans available with Acko General Insurance:
One year Comprehensive Two Wheeler Insurance Plan:
Which covers the third party liability as well as own damage for only one policy year.
Long Term Comprehensive Plan- 5 years: This is a Package Policy for 5 years which covers the third-party liability and own damage for the entire tenure of 5 years.
Bundled Plan:
This type of plan covers the third party liability for the bike for 5 years and damages of your own bike for only 1 year.
Note: According to the latest guidelines of the IRDAI, you need to buy a minimum of 5 years of third party liability plan if you buy a new bike or a scooter. Along with a 5-year third party plan, you can opt for 1-year own damage under Bundled Plan or a 5-year own-damage under Long Term Comprehensive Plan- 5 years.
Benefits of Acko Two Wheeler Insurance
Now, let us take a look at the benefits you get when you buy an Acko Two Wheeler Insurance policy:
Digital benefit -
The biggest advantage is that you get the plans online. Buying an Acko Two Wheeler Insurance policy is a very simple thing to do. You just need to go online, enter your details, choose your cover, pay the premium and your plan will be issued instantly. This apart, you can also renew your plan, check the status and initiate claims online.
Large network -
The company has tie-ups with a large number of garages all over the country. You can get a cashless settlement done at any of these network garages and that makes it all the more convenient for you.
Helpful customer service -
The customer support team is one of the best in the industry. You can call in with any query or doubt and they will assist you in a polite and efficient manner.
Emergency assistance -
The facility of 24/7 emergency assistance, including roadside assistance makes the Acko Two Wheeler Insurance plans very helpful and beneficial for the policyholders.
Easy claim process -
The claim process is very simple and straightforward. You can opt for the cashless claim at a network garage. In that case, you simply need to notify the insurer and then they will contact the garage and clear the dues directly. If you go for reimbursement, you just have to click photos of the damage, inform the insurance company and they will release the claim amount after assessing the damages.
What is Covered Under the Acko Two Wheeler Insurance Plans?
Now, let us take a look at what is covered under the Acko Two Wheeler Insurance plans:
Third-party liability -
When you buy a third party liability cover, all damages incurred to the third party liability, including damage to the person or property, is covered. This cover is also available under the comprehensive two-wheeler insurance plans from Acko Two Wheeler Insurance.
Cover for own vehicle -
If you opt for a comprehensive plan, you will get the third party liability cover and you will also get cover for damages to your own vehicle. You will also get a cover for bodily injuries of the rider incurred in a bike accident.
Damage -
Damages suffered by the bike such as scratches, dents, broken parts, etc are covered under the comprehensive Acko Two Wheeler Insurance plans. You can make a claim if your bike is damaged following an accident.
Theft -
Theft protection covers are available under comprehensive plans from Acko Two Wheeler Insurance. If your vehicle gets stolen, the company will pay you for the losses so that you can use the money to replace the bike with a new one.
Personal accident (if opted)-
If you or your pillion suffers death or bodily injuries in an accident, the medical bills will be taken care of by the insurance provider. This is available under the personal accident cover of the Acko Two Wheeler Insurance plans.
What is not Covered Under the Acko Two Wheeler Insurance?
While the Acko Two Wheeler Insurance policies do offer a wide range of cover, there are some permanent exclusions that you should be aware of:
Mechanical or electrical breakdown -
No coverage is available for mechanical or electrical breakdowns of the two-wheeler.
Damage due to man-made disasters -
If the vehicle is damaged in a man-made disaster such as war or riots, you cannot make a claim as that is a permanent exclusion.
Regular servicing -
Every bike requires regular servicing to ensure it runs smoothly. The servicing cost has to be borne by the bike owner as the insurance provider will not offer compensation for natural wear and tear.
Damage due to drunk driving -
If any accident happens due to the rider being drunk or under the influence of a banned substance like a drug, then he cannot make any claim for damages to a third party liability or for damages and injuries he sustains himself.
The damage took place outside India -
The covers available under the Acko Two Wheeler Insurance plans are only offered within the geographical limits of India. If you travel by your bike beyond the Indian borders and an accident happens thereafter, you cannot make a claim.
Damage when policy is not active: If you have an inactive policy or your policy has expired/lapsed, no damages or claims will be covered by the insurance company.
Driving a vehicle without a valid license: If you are driving a vehicle without a valid license or using it for illegal activities, the insurance company will not offer any compensensation for such damages.
Keep these exclusions in mind when you look to make a claim to ensure your claim is not rejected.
How to Apply for an Acko Two Wheeler Insurance Policy?
It is very easy to apply for an Acko Two Wheeler Insurance plan. Here are the simple steps:
Visit the insurer’s website - Start off by visiting the website of Acko General Insurance. Then, go over the available plans, look at the prices, read the policy wordings and understand which policy would suit you the best.
Fill in your details - After you select the perfect plan, fill in the relevant details such as your name, address, contact number, etc. Along with that, you also need to feed in some basic information about your vehicle such as the number of your bike, the make and model, etc.
Submit the documents - Very few documents are needed. You just need an ID proof and a KYC document.
Pay the premium - Pay the premium and you will be the proud owner of an excellent Acko Two Wheeler Insurance policy.
It is actually this simple to buy a two-wheeler insurance plan from Acko General Insurance. All the plans are directly available online from the insurance provider so you do not have to go via an insurance agent or any middleman to get the policy.
Acko Two Wheeler Insurance Claim Process
There are 2 types of claims possible for Acko two Wheeler Insurance Plans.
Cashless Claim:
You can opt for the cashless claim process. In that case, you simply need to go to a network garage. The surveyor will visit the garage to survey the claim and once it is approved, your repair work can be done by the authorised garage. The amount approved by the insurer would be settled directly with your garage and you do not have to pay from your own pocket.
Reimbursement Claim:
If you wish to opt for the reimbursement claims, you want to make a claim on the Acko Two Wheeler Insurance policy, you have to follow these steps:
Inform the insurer -
Begin by informing the insurance provider about the damage and subsequent need to get your vehicle repaired.
Click and upload photos -
Next, you need to click photos of the damaged vehicle. Send the photos to the insurance provider and they will assess the damage. If found suitable and within the coverage limits, the claim will instantly be reimbursed without any need for further documentation or formalities and within 2 hours.
Note: You need to get the approval from the insurer before the repair work is done and not afterwards.
Get the amount in your account -
You will then get the reimbursed amount in your account for the amount spent in the repair work that has been approved.
The claim process of the Acko General Insurance Company is one of the smoothest and best in the country. The insurer settles the valid bike insurance claims without asking for any documents, provided the policyholder adheres to the terms and conditions stated in the policy.
Reviving a Lapsed/Expired Acko Two Wheeler Insurance Plan
If you forgot to pay the two-wheeler insurance premium on time, your Acko Two Wheeler Insurance may have gotten lapsed/expired. If you are within the grace period, you can simply pay the premium and get the policy reinstated. If it has crossed the grace period, you will have to call the insurance provider as your policy has been lapsed. They will reassess your vehicle and then offer a fresh quote. Pay the premium and your policy will get revived.
Review of Acko Two Wheeler Insurance
Acko is a new and modern vehicle insurance provider in India. The company functions online only and this makes it very simple for people to buy their plans whenever they wish to. Since a lot of the process is automated, there is almost zero room for error and this adds to the positive experience the policyholders have. The plans are very reasonably priced and the claim process is quite simple. The company doesn't ask for too many documents when issuing the policy or when processing a claim and this makes it completely hassle-free. Acko Insurance enjoys a high rating from its customers with 95% positive reviews all across the internet.
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