I am putting 4 stars only because my consent was not taken when my AIRTEL payments bank account was opened. Otherwise, after opening the account, it works beautifully. I am using it regularly for online transactions and bills. UPI works perfectly. All refunds are prompt.
Only problem is that although airtel says that it has cash collection centres, none of them are accepting cash deposits. Hence, if you want to make a deposit, you can only do it online and the account can hold only Rs. 1 lakh limit.