Menu hamburger
Airtel Payments Bank Logo Light
Register
Login

Terms & Conditions

Applicable to those using Airtel Payments Bank

Airtel Payments Bank FASTag (hereinafter referred as “FASTag”) is a simple and reusable tag based on radio-frequency identification technology (RFID) that can be affixed on vehicle’s windscreen. Each FASTag is linked to a registered Airtel Payments Bank Wallet / Account held with Airtel Payments Bank’s customer, having sufficient money balance to facilitate instant automatic deduction of toll charges. This program is part of the National Electronic Toll Collection (NETC) initiative rolled out by National Payments Corporation of India (NPCI) under the guidelines of National Highways Authority of India (NHAI) & Indian Highways Management Company Limited (IHMCL).

  1. Each Customer is eligible for only one FASTag against one vehicle. In case Customer approaches Bank for issuance of new FASTag, Customer shall ensure that earlier issued FASTag against the same vehicle are not in use or is /obsolete and accordingly destroyed or deactivated. Customer shall also inform for the said non-usage and destruction or deactivation of the FASTag to the Bank which has issued the earlier FASTag. In case the Customer fails to destroy the previously issued FASTag, the Wallet or Account linked with the respective FASTag/s will continue to be charged for all the active FASTags, until one/previously issued FASTag/s out of all is destroyed/deactivated.
  2. By submitting the application, the Customer shall be deemed to have agreed and accepted the Terms and Conditions contained herein. Bank may issue Bank’s FASTag only to Customers who are duly submitting this an application for the issuance of FASTag and agreeing to the applicable terms and conditions in the form and manner prescribed by Bank from time to time.
  3. The FASTag shall be solely used for the purpose of making applicable toll payments at designated Toll plazas on the highway through the electronic toll collection (“ETC”) enabled lane and parking payments at designated places as and when updated by NPCI. Further, the scope of payment for any other product shall widen as and when intimated by NPCI. The list of designated toll plazas is made available at www.airtel.in/bank/fastag    https://www.airtel.in/bank/fastag-pay-toll-online/buy. The Customer who wishes to avail the FASTag shall be required to have standard Bank Wallet/Savings Account, within which money will be blocked for FASTag. FASTag Wallet shall have predefined monetary limits as may be applicable from time to time. Wallet/Savings Account holder may also get access to the FASTag transactions which will be a part of their Bank Wallet/Savings Account and the maximum monetary limit as specified in the RBI guidelines and amendment from time to time shall apply to the combined limit.
  4. Any charge levied by the establishment on the purchase made by the FASTag linked Wallet/Account holder using the linked Bank’s Wallet/Savings Account shall be settled by such Bank’s Customer with the establishment directly and Bank shall not be responsible for the same. All spends by Wallet/Account holder - for FASTag should be in compliance with the applicable laws. Wallet/Account holder agree that FASTag balance shall be used for the purpose of purchase of Electronic Toll Collection (ETC) enabled toll tickets from relevant establishments who have agreed to redeem the amount from the FASTag Wallet section and have an arrangement with Bank in this regard. Bank FASTag can also be purchased through E-commerce channel. Once Customer provides the necessary details, FASTag to will be sent to Customer through courier services at the address provided by the Customer. Based on the information provided by the customer through the online form, Customer’s Bank FASTag will be allocated to the vehicle as per the details provided by the Customer. Customer has to provide the original vehicle registration copy for tag issuance activity.
  5. Bank may ask for other necessary details as in vehicle details, photograph of vehicle with FASTag affixed on it, as part of documents for Bank FASTag activation in order to validate the documents. Wallet/Account holder shall prior to availing the FASTag services from Bank obtain appropriate advice and shall familiarize himself with the associated risks and all the terms and conditions pertaining to the FASTag Services. Wallet/Account holder further verify all facts and statutory provisions and seek appropriate professional advice including the relevant tax implications. Customer agrees that he/she will not use Bank FASTag for payment of any illegal/unlawful purchase/purposes. In case of termination/cancellation of single FASTag mapped under wallet having multiple FASTag issued, FASTag service will continue. Customer shall agree to submit all the documents with Bank as directed from time to time, to meet KYC norms in compliance with the relevant extant guidelines of the Reserve Bank of India and National Payments Corporation of India.
  6. Customer shall forthwith notify Bank of any change in his/her address for communication as submitted with Bank at the time of activating Bank FASTag. The responsibility shall be solely of the Customer who is holding FASTag to ensure that Bank has been informed of the correct address for communication. Customer shall act in good faith at all times in relation to all dealings with the Bank. Customer shall be fully responsible for any use or misuse of the Bank FASTag. Customer shall indemnify Bank to make good any loss, damage, interest, or any other financial charge that Bank may incur and/or suffer, whether directly or indirectly, as a result of Customer committing violations of these Terms and Conditions or breach of law or regulations. Customer shall indemnify and hold Bank harmless for any / all actions, proceedings, claims, liabilities (including statutory liability), penalties, demands and costs, awards, damages and losses arising out of wrongful use, violation of any law or regulations or cancellation (wrongful or otherwise) of Bank FASTag Service.
  7. The Customer, hereby is obliged to inform Bank of any loss or theft of Bank FASTag on immediate basis as and when such loss or theft occurs. In case the Customer finds a lost or stolen FASTag, whomsoever it belongs, he or she shall inform Bank immediately. Any loss or theft of the FASTag shall be immediately reported to Bank and the Customer stands liable to report the same to the near by Police station and lodge an FIR, if required. The Bank shall at no time be responsible for any liability arising out of or in relation to the lost or stolen FASTag or any misuse of the FASTag by any of the Customers or its representative. FASTag issued to the Customer shall at all times remain the property of Bank and shall be surrendered to Bank, as and when requested by Bank. In case of any replacement of FASTag, Customer shall be charged with the requisite replacement fee. FASTag is non-transferable instrument but can be cancelled at any point of time as per the policies of BankANK. Customer can enquire any concerns related to charges, fees for FASTag at Bank web page (https://www.airtel.in/bank/fastag-pay-toll-online/buywww.airtel.in/bank/FASTag ). If at any stage Customer’s FASTag threshold balance gets exhausted due to frequent transactions done at the toll plazas and linked wallet/account reaches to a due balance state, then such due balance shall be adjusted from the Customer’s security amount deposited at the time of FASTag issuance. Customer holds the right either to suspend or terminate the FASTag services either for the desired period or permanently respectively either by Bank Customer Support or by web portal.
  8. On termination of the FASTag or FASTag services, Customer stands liable to pay any outstanding amount or charges incurred after termination along with the interest accrue thereon, whether reflected in the statement or not. Such amount or any charges payable shall be governed as per Bank’s policy/ process from time to time. The Customer shall continue to be fully liable for Bank for all the charges incurred on the FASTag prior to termination. Notice of termination or request to surrender the FASTag shall be deemed given when a notice shall be posted to the mailing address/email ID of the Customer, as per the records of Bank is received by the Customer through ordinary post/email. The Customer hereby agrees to surrender the FASTag of Bank, whensoever Bank directs the Customer to do so. Further, Customer shall cease the use of FASTag on immediate effect after receiving the termination notice from Bank. Bank FASTag shall be valid in India only.
  9. The FASTag issued by Bank to the Customer shall be mandatorily affixed on vehicle with the license plate number specified by the Customer in the application. The FASTag is not transferable and only be used for the specific vehicle on which the FASTag has been affixed by the authorized representative of the Bank. For all the online tag issuance request where the tag is dispatched through courier to the vehicle owner, the tag will be affixed by the vehicle owner or issuer’s authorized person. At the time of making the application for issuance of the FASTag, The Customer shall be required to pay a tag cost (please see web page for information on FASTag charges – www.airtel.in/bank/FASTag ) as FASTag fee plus applicable taxes, threshold amount (minimum balance) and also the security deposit as per the type of the vehicle with a maximum limit of Rs.1, 00,000 (Rupees One Lakh only) at any given point of time or such other limit as may be specified by the Bank subject to Bank’s internal stakeholders and applicable regulatory and statutory guidelines. Security Deposit will be interest free. The FASTag shall be activated subject to approval of application by the Bank thereby loading the minimum amount in FASTag linked Wallet/Savings Account by the Customer. The said amount shall be loaded in the FASTag after deduction of applicable charges/fees etc., payable by the Customer to Bank for availing the FASTag.
  10. Customer shall ensure to keep the safe custody of FASTag . The Customer shall be bound to comply with these Terms and Conditions and all the policies stipulated by Bank from time to time in relation to the FASTag. Bank may, at its sole discretion, refuse to accept the application and to issue the FASTag to the Customer. The Bank shall at no time be responsible for any surcharge levied and debits made at the Tolls. All transactions undertaken at a participating Toll plaza shall be conclusive proof that the charge is recorded or such requisition was properly incurred for the amount by Customer using the Bank FASTag except where the FASTag has been lost, stolen or fraudulently misused, the burden of proof for which shall be on the Customer. Customer shall at no time exceed the expenditure at the toll plaza than the amount available in his or her FASTag linked Wallet/Savings Account.
  11. Bank reserves the right to bill the Customer for any due balance in its sole discretion and Customer stands liable to pay such bill without any failure. The Customer agrees to pay Bank promptly for the due balance. Bank also reserves the right in its sole discretion to cancel/terminate the FASTag under the situation where Customer creates more than one due balance with FASTag.
  12. Bank reserves unto itself the absolute discretion to decline to honor the transaction requests on the FASTag, without assigning reason thereof. Customer reserves the right to cancel his/her Wallet/Savings Account at any time after submitting such documents and information as may be required by the Bank and also return the FASTags. The balance amount (if any) remaining in the related to FASTag would be returned to Customer in his linked Bank Wallet/Savings Account.
  13. Bank’s Customer care can be reached for any enquiries pertaining to the FASTag. Customers shall immediately inform Bank in case they find any irregularities or discrepancies in any transaction undertaken with the FASTag. The Customer will be liable to pay Bank, upon demand, all amounts outstanding from the Customer to Bank. The holding and use of the FASTag will incur fees which will be debited to the balance available in the Bank Wallet/Savings Account. FASTag issuance fee is non-refundable. Any Government charges, duty on debits, or tax payable as a result of the FASTag shall be the Customers responsibility and if such charges, duty on tax shall be imposed upon Bank (either directly or indirectly), Bank shall debit such charges, duty on tax against the balance available on the FASTag. There will be separate service charges levied for such facilities as may be announced by the bank from time to time and deduct from the balance available on the FASTag. In the situation that the balance available on the FASTag is not sufficient to deduct such fees, the Bank reserves the right to deny any further transactions. The Customer also authorizes Bank to deduct from the balance available in his or her Bank Wallet/Savings Account to balance out the FASTag minimum threshold balance, and indemnifies the Bank against any expenses it may occur in collecting money owed to it by the Customer in connection with the FASTag (Including without limitation reasonable legal fees). Bank may levy services and other charges for use of the FASTag, which will be notified by the Bank from time to time by updating these Terms and Conditions. The Customer authorizes to recover all charges related to the FASTag as determined by Bank from time to time by debiting the balance available in the Bank Wallet/Savings Account. Details of the applicable fees and charges as stipulated by Bank shall be displayed on the website. However, in case of chargeback, if any, Customer shall raise the query as per the guidelines issued by NPCI. The TAT for raising such a request is 40 days from the date of toll transaction.
  14. Bank shall have no responsibility to entertain chargeback requests received by the Customer after 40 days. The Customer agrees that upon receipt of chargeback request within 40 days, Bank will raise the chargeback with NPCI/Acquirer Bank and refund, if any (post due verification) will be paid in accordance with NPCI guidelines.
  15. The Customer agrees to indemnify and keep indemnified Bank against all and any claims, suits, liability , damages, losses , costs charges, proceedings, expenses, and actions of any nature whatsoever made or instituted against Bank or incurred by Bank on account of usage of the FASTag. “Bank may, at its sole discretion, utilize the services of external service provider/’s or agent/’s and on such terms as required or necessary, in relation to its products/services. Bank shall also provide transactional alerts through short messaging system message on the registered mobile number for that FASTag with the Bank. Customer hereby, irrecoverably authorizes Bank to disclose, exchange, share or part with all the information relating to the Customer/’s details and payment history information and all information pertaining to and contained in the terms and conditions or as expressed in the application made for FASTag affiliates/banks/financial institutions/ credit bureaus/agencies/statutory bodies as may be required and undertakes not to hold Bank/Its affiliates/ the other group companies of Bank and their agents liable for use of the aforesaid information. Bank reserves the right in its absolute discretion to amend or supplement any of the terms and conditions, features and benefits offered on the FASTag including, without any limitation to changes which further affect interest charges or rates and methods of calculation at any time. The balance available in the FASTag shall be further utilized for all charges incurred and other obligations under the revised terms and conditions. Bank shall notify/communicate the amended terms and conditions by hosting the same on the FASTag website or any other manner decided by Bank. The Customer shall be responsible for regularly viewing the Terms and Conditions, including amendments thereto as may be posted on the FASTag website and shall be deemed to have accepted the amended terms and conditions by continuing to use the FASTag.
  16. Cashback for FASTAG program is provided by NHAI, kindly refer  https://www.nhai.gov.in/#/national-electronic-toll-collection or  https://online-fastag.org/faq to get more details on the list of eligible plazas for cashback along with applicable cashback percentage for the given financial year. However, NHAI FASTag cashback was applicable for trips at National Highways up to March 2020 post that no cashback shall be applicable.
  17. FASTag would be delivered through courier service to the delivery address provided by the user while purchasing FASTag online. Bank will endeavor to deliver the FASTag within 5-9 working days unless the same is delayed due to unavoidable reasons or circumstances. Order once placed, cannot be cancelled.
  18. FASTAag has benefits like save up to 80 hours of time using FASTag. The calculation is based on NPCI data as quoted by Economic Times article dated Feb 27, 2016 published on their website. It assumes 10 minutes saved at tolls twice a day for 6 days a week across the year. Vehicle mileage will drop 4%. If average speed is 40Kmph and petrol price is Rs.73rs/ltr and average distance travel is 40Kms one side every day the saving will be Rs. 8.8 (216.85 – 208.05).
  19. These Terms and Conditions shall be interpreted, construed and enforced in all respects in accordance with the laws of India without regard to any principles of conflicts of laws thereof. Courts at New Delhi shall have the exclusive jurisdiction.
  20. Bank will send a transactional SMS messages to the Customer on his/her registered mobile after every successful transaction. Customer understands and agrees that such SMSes may get delayed due to certain technical glitch or network issue. Customer is further advised to immediately act upon the instructions (if any) written on the SMS sent by Bank.
  21. Bank will have no responsibility whatsoever for non-functioning or any other malfunctioning of FASTag reader/scanner installed at any toll plaza. Customer is advised to take note that as per extant regulations issued by NHAI, if the vehicle user with valid and functional FASTag with sufficient balance crossing the toll plaza could not pay the toll amount owning to malfunctioning of FASTag reader/ETCI – Electronic Toll Collection Infrastructure, then the vehicle user shall be permitted to pass the toll plaza without payment of any fee. Zero Transaction Receipt will be issued by the concerned toll plaza for the transaction.
  22. Customer hereby irrevocably authorizes Bank to fetch the details of Customer’s vehicle from Ministry of Road Transport & Highways, Govt of India and to disclose, exchange, share or part with any information relating to the Customer/Vehicle inter alia payment history information, insurance details, etc. to and between its the branches, subsidiaries, affiliates, representatives, auditors, sub-contractors, service providers, other banks/ financial institution, credit bureaus and governmental authorities as may be deemed necessary by Bank including for the purpose of  search, survey and allied services and/or for providing third party products such as insurance or loans and neither Bank nor the abovementioned entities shall be liable for the use of such information
  23. Customer agrees and confirms that Bank may utilizse such third party subcontractor(s)/ service providers as it may deem fit, to such extent permitted under the extant regulations.