ABHIEO Wallet Charges
1. Wallet Opening & KYC
| Service |
Charges |
Details |
| Wallet Opening |
FREE |
No charges for opening ABHIEO wallet |
| Minimum KYC (Aadhaar OTP) |
FREE |
One-time Aadhaar OTP based KYC |
| Full KYC (Aadhaar + PAN) |
FREE |
Complete KYC for higher limits |
| Annual Maintenance Charge (AMC) |
₹75/year + GST |
Charged quarterly at ₹18.75 + GST per quarter |
| Wallet Inactivity Charge |
₹20/month + GST |
After 3 months of no transactions (from 4th month onwards) |
⚠️ Annual Maintenance Charge (Effective from Jan 1, 2026):
An AMC of ₹75/year (excluding GST) will be levied in 4 quarterly installments of ₹18.75 each, debited at the start of each calendar quarter (Jan, Apr, Jul, Oct). You can opt-out by closing your wallet or upgrading to ABHIEO Savings Account.
2. Wallet Transaction Limits
Minimum KYC Wallet Limits
| Limit Type |
Amount |
| Maximum Wallet Balance |
₹10,000 |
| Monthly Spending Limit |
₹10,000 |
| Validity |
12 months from KYC date |
Full KYC Wallet Limits
| Limit Type |
Amount |
| Maximum Wallet Balance |
₹99,000 |
| Monthly Spending Limit |
₹1,00,000 |
| Yearly Credit Limit |
₹1,90,000 |
| Validity |
Lifetime |
3. Adding Money to Wallet
| Method |
Charges |
Processing Time |
| UPI |
FREE |
Instant |
| Debit Card |
FREE |
Instant |
| Credit Card |
1% + GST |
Instant |
| Net Banking |
FREE |
Instant |
| NEFT/RTGS |
FREE |
30 min - 2 hours |
4. Withdrawing Money from Wallet
| Method |
Charges |
Processing Time |
| To Bank Account (0-₹1,000) |
FREE |
Instant (IMPS) |
| To Bank Account (Above ₹1,000) |
₹5 + GST |
Instant (IMPS) |
| NEFT Transfer |
FREE |
30 min - 2 hours |
| Wallet Closure & Refund |
FREE |
3-5 business days |
5. Other Wallet Charges
| Service |
Charges |
| SMS Alerts (First 5/month) |
FREE |
| SMS Alerts (After 5) |
₹0.30 + GST per SMS |
| SMS Charges Cap (Monthly) |
Maximum ₹75 + GST per month |
| Email/App Notifications |
FREE |
| Mini Statement (Digital) |
FREE |
| Physical Statement |
₹50 + GST |
✅ Upgrade to Full KYC:
Complete your full KYC with Aadhaar + PAN to enjoy higher limits and better features at no extra cost!
ABHIEO Domestic Money Transfer (DMT)
1. DMT Service Overview
ABHIEO DMT service enables instant money transfers to any bank account in India using just the beneficiary's account number and IFSC code.
2. DMT Transaction Charges
| Transaction Amount |
DMT Charges |
GST (18%) |
Total Charges |
| ₹100 - ₹500 |
₹5 |
₹0.90 |
₹5.90 |
| ₹501 - ₹1,000 |
₹8 |
₹1.44 |
₹9.44 |
| ₹1,001 - ₹2,500 |
₹12 |
₹2.16 |
₹14.16 |
| ₹2,501 - ₹5,000 |
₹15 |
₹2.70 |
₹17.70 |
| ₹5,001 - ₹10,000 |
₹20 |
₹3.60 |
₹23.60 |
| ₹10,001 - ₹25,000 |
₹25 |
₹4.50 |
₹29.50 |
3. DMT Transaction Limits
| Limit Type |
Min KYC Wallet |
Full KYC Wallet |
| Minimum Transaction |
₹100 |
₹100 |
| Maximum Per Transaction |
₹5,000 |
₹25,000 |
| Daily Limit |
₹10,000 |
₹1,00,000 |
| Monthly Limit |
₹20,000 |
₹2,00,000 |
| Daily Transaction Count |
5 transactions |
15 transactions |
4. DMT Features
- Instant Transfer: Money reaches beneficiary account within minutes
- 24x7 Service: Available round the clock, including holidays
- Beneficiary Management: Add up to 10 beneficiaries for quick transfers
- SMS Confirmation: Instant SMS notification on successful transfer
- Transaction History: Complete record of all DMT transactions
- Refund Policy: Automatic refund within 3-5 business days for failed transactions
💡 Pro Tip:
Add your frequently used beneficiaries to save time on future transfers. The first transfer to a new beneficiary may take up to 30 minutes for security verification.
5. DMT Service Requirements
- Minimum KYC completed for basic DMT services
- Full KYC required for higher transaction limits
- Beneficiary's complete bank account details (Account Number + IFSC)
- Valid mobile number linked to wallet
⚠️ Important Notice:
DMT charges are non-refundable even if the transaction fails. However, the transfer amount will be refunded to your wallet within 3-5 business days. Always verify beneficiary details before initiating transfer.
ABHIEO Virtual Card
1. Virtual Card Overview
ABHIEO Virtual Card is a digital prepaid card that can be used for online shopping, bill payments, and subscriptions worldwide. It works like a regular debit card but exists only in digital form.
2. Virtual Card Issuance & Maintenance
| Service |
Charges |
Details |
| Card Issuance |
FREE |
Instant virtual card generation |
| Annual Card Fee |
₹99 + GST |
Charged annually from 2nd year onwards |
| Card Replacement |
FREE |
Generate new card anytime at no cost |
| Card Blocking |
FREE |
Temporary or permanent block |
| Card Closure |
FREE |
Close card anytime without charges |
✅ First Year Free:
Get your ABHIEO Virtual Card absolutely free for the first year! No issuance charges, no annual fee for 12 months.
3. Virtual Card Transaction Charges
| Transaction Type |
Charges |
Details |
| Domestic Online Transactions |
FREE |
Shopping, bill payments, subscriptions |
| International Transactions |
3.5% + GST |
Foreign currency markup charges |
| Failed Transaction |
FREE |
No charges for declined transactions |
| Card to Card Transfer |
Not Applicable |
Feature not available |
4. Virtual Card Limits
| Limit Type |
Amount |
| Per Transaction Limit |
₹50,000 |
| Daily Transaction Limit |
₹1,00,000 |
| Monthly Transaction Limit |
₹5,00,000 |
| Daily Transaction Count |
20 transactions |
5. Virtual Card Features
- Instant Issuance: Get your virtual card within seconds
- Secure CVV: Dynamic CVV that changes periodically for enhanced security
- Freeze/Unfreeze: Temporarily freeze card when not in use
- Transaction Alerts: Instant SMS and email notifications for every transaction
- Set Custom Limits: Control daily and per-transaction spending limits
- Card Lock: Lock card for specific merchant categories (gambling, adult content, etc.)
- Linked to Wallet: Card balance is your ABHIEO wallet balance
- International Acceptance: Accepted at millions of online merchants worldwide
💳 Card Networks:
ABHIEO Virtual Card is issued on the RuPay network and is accepted at all domestic and international merchants that accept RuPay cards.
⚠️ Important Note:
Virtual Card cannot be used for ATM withdrawals, physical POS transactions, or cash advances. It is designed exclusively for online/digital transactions.
Mobile & DTH Recharge Charges
1. Prepaid Mobile Recharge
| Operator |
Transaction Fee |
Cashback |
| All Operators (Airtel, Jio, Vi, BSNL) |
FREE |
Up to 1.5% cashback |
2. Postpaid Mobile Bill Payment
| Operator |
Convenience Fee |
Cashback |
| All Operators |
FREE |
Up to 1% cashback |
3. DTH Recharge
| DTH Provider |
Transaction Fee |
Cashback |
| Tata Sky / Tata Play |
FREE |
Up to 1.5% |
| Airtel Digital TV |
FREE |
Up to 1.5% |
| Dish TV |
FREE |
Up to 1.5% |
| Videocon D2H |
FREE |
Up to 1.5% |
| Sun Direct |
FREE |
Up to 1.5% |
✅ Zero Convenience Fee:
ABHIEO never charges any transaction fee or convenience fee on recharges. You pay only the recharge amount and get cashback on top!
4. Recharge Features
- Instant Processing: Recharge completed within 5 seconds
- Cashback Rewards: Earn cashback on every recharge (credited within 24-72 hours)
- Plan Recommendations: AI-powered plan suggestions based on usage
- Validity Alerts: Get notified 3 days before plan expiry
- Recharge History: Track all your recharges in one place
- Auto Recharge: Set up automatic recharge before expiry
- Multiple Numbers: Save and manage multiple mobile/DTH numbers
💡 Cashback Terms:
Cashback offers are promotional and may vary from time to time. Cashback is credited to ABHIEO wallet within 24-72 hours and cannot be withdrawn directly. Check current offers in the app.
Bill Payment Charges
1. Utility Bill Payments
| Bill Type |
Transaction Fee |
Convenience Fee |
| Electricity Bill |
FREE |
No charges |
| Gas Bill (Piped/LPG) |
FREE |
No charges |
| Water Bill |
FREE |
No charges |
| Broadband/Landline |
FREE |
No charges |
| Cable TV |
FREE |
No charges |
2. Financial Bill Payments
| Bill Type |
Transaction Fee |
Convenience Fee |
| Credit Card Bill (Any Bank) |
FREE |
No charges |
| Loan EMI Payment |
FREE |
No charges |
| Insurance Premium |
FREE |
No charges |
| Mutual Fund SIP |
FREE |
No charges |
✅ Zero Hidden Charges:
ABHIEO does not charge ANY fee or convenience charge for bill payments. You pay only the exact bill amount. Save more with cashback offers on select billers!
3. Bill Payment Features
- Instant Confirmation: Get bill payment confirmation within seconds
- Auto Pay: Set up auto-debit for recurring bills
- Payment Reminders: Never miss a due date with smart reminders
- Bill History: Access 12 months of bill payment records
- Multiple Billers: Add and manage all your billers in one place
- Partial Payments: Pay partial amount for credit card bills
- Quick Pay: One-tap payment for saved billers
- Cashback Offers: Earn rewards on select bill payments
💡 Auto-Pay Benefits:
Set up auto-pay for recurring bills and never worry about late payment charges. You can modify or cancel auto-pay anytime from the app. Notification sent 2 days before auto-debit.
4. Bill Payment Limits
| Limit Type |
Amount |
| Minimum Bill Payment |
₹10 |
| Maximum Per Transaction |
₹2,00,000 |
| Daily Limit |
₹5,00,000 |
| Monthly Limit |
No limit |
FASTag Services Charges
1. FASTag Recharge
| Service |
Charges |
Details |
| FASTag Recharge (All Banks) |
FREE |
Zero transaction fee |
| Minimum Recharge Amount |
₹100 |
| Maximum Recharge Amount |
₹10,000 per transaction |
| Processing Time |
Instant (credited within 30 seconds) |
2. FASTag Information Services
| Service |
Charges |
| Balance Check |
FREE |
| Transaction History (6 months) |
FREE |
| Trip Details |
FREE |
| Low Balance Alert |
FREE |
| Recharge Confirmation SMS |
FREE |
3. Supported FASTag Banks
- ICICI Bank FASTag
- HDFC Bank FASTag
- Axis Bank FASTag
- Paytm Payments Bank FASTag
- Airtel Payments Bank FASTag
- State Bank of India FASTag
- Kotak Mahindra Bank FASTag
- IDFC First Bank FASTag
- Bank of Baroda FASTag
- And all other NHAI authorized FASTag issuers
4. FASTag Recharge Features
- Multi-Bank Support: Recharge FASTag from any bank
- Vehicle Number Search: Find FASTag by vehicle registration number
- Auto-Recharge: Set up auto-top-up when balance falls below threshold
- Instant Alerts: SMS notification on every toll deduction
- Detailed Reports: View toll plaza-wise transaction breakdown
- Save FASTag Details: Quick recharge for saved tags
- Trip Analysis: Track your journey and toll expenses
💡 Auto-Recharge Setup:
Set up auto-recharge to maintain minimum ₹200 balance in your FASTag. Whenever balance falls below ₹200, ₹500 will be automatically recharged from your ABHIEO wallet. Change these amounts anytime.
5. FASTag Recharge Limits
| Limit Type |
Amount |
| Minimum Recharge |
₹100 |
| Maximum Per Transaction |
₹10,000 |
| Daily Recharge Limit |
₹50,000 |
| Monthly Recharge Limit |
No limit |
✅ Cashback Offers:
Get up to 1% cashback on FASTag recharges during promotional periods. Cashback credited to ABHIEO wallet within 24-72 hours. Check current offers in app!
⚠️ Important Notice:
Ensure your vehicle's FASTag is active and properly affixed to the windshield. ABHIEO only provides recharge facility - for FASTag issuance, replacement, or blacklisting, please contact your bank.