If you’re an Airtel customer – whether it’s for prepaid, postpaid, broadband, or DTH – the Airtel Axis Bank Credit Card is practically made for you. With one of the most generous cashback structures in the market, this card delivers exceptional value for Airtel-related expenses. For a joining and annual fee of ₹500 + GST (waived on spending ₹2 lakh annually), you unlock 25% cashback on Airtel recharges and bill payments via the Airtel Thanks app, 10% cashback on utility bill payments, and 10% cashback with preferred partners like Swiggy, Zomato, and BigBasket. Simply put, no other entry-level cashback credit card offers this kind of return – especially for those who are already using Airtel services regularly.
Fees
| Joining Fee | ₹500+GST ~₹590 |
| Welcome Benefit | ₹500 Amazon Gift Voucher on the first transaction within 30 days |
| Annual Fee | ₹500+GST ~₹590 |
| Annual Fee Waiver | On ₹2 Lakh spends in a membership year excluding rent and wallet load transactions |
The ₹500 + GST annual fee is very reasonable, especially considering the generous cashback offered. With just ₹1,000/month in Airtel spends and ₹2,500/month on utility bills via the Airtel Thanks app, you can easily earn back the fee – and much more. Plus, the annual fee waiver at ₹2 lakh spend makes it even more rewarding for regular users.
Cashback
| Spends Category | Cashback | Cap |
|---|---|---|
| Airtel Mobile, DTH, and Broadband Payments via Airtel Thanks app | 25% | Rs 250/statement cycle |
| Utility Bill Payments via Airtel Thanks app | 10% | Rs 250/statement cycle |
| Preferred Merchants (Swiggy, Zomato and BigBasket) | 10% | Rs 500/statement cycle |
| Other Spends (excluding categories below) | 1% | No Cap |
The rewards on this card are excellent, especially for Airtel users. You get 25% cashback on Airtel payments and 10% cashback on utility bills and select apps like Swiggy, Zomato, and BigBasket. Even with monthly limits, you can save a good amount every year. For a low annual fee, the cashback you get is much better than most other cards in this range.
Exclusions for Cashback
Fuel, insurance, rent, government payments, education, jewelry, wallets, or utility bills made outside Airtel Thanks app.
Complimentary Airport Lounge Access
- Domestic Airport Lounge Access: 4 visits/year
- International Airport Lounge Access: Not Available
- Cities Covered: New Delhi, Mumbai, Bengaluru, Chennai, Hyderabad, Kolkata
The Airtel Axis Bank Credit Card gives you 4 free domestic airport lounge visits per calendar year. If you travel occasionally within India, this is a useful perk. However, the lounge access is limited to select cities, including Bangalore, Chennai, New Delhi, Hyderabad, Kolkata, and Mumbai. The details are available over here.
To use the free airport lounge access, you must spend ₹50,000 in the last 3 months before your travel date. For example, if you want to access a lounge on March 10, you should have spent ₹50,000 between December 1 and February 28. This is a rolling 3-month requirement that must be met each time you want to use the benefit.
Other Benefits & Charges
| Feature | Details |
|---|---|
| Fuel Surcharge Waiver | 1% (₹400–₹4,000 spends) |
| Waiver Cap | ₹500/month |
| Forex Markup Fee | 3.5% + GST (~4.13%) |
| Interest Rate | 3.6% per month (43.2% annually) |
Airtel Axis vs Other Cashback Cards
If you use multiple cashback credit cards and are wondering which one gives you the best value for your spending, check out the comparison chart below. It breaks down cashback rates across popular cards to help you choose the most rewarding option based on your spending habits.
| Card | Best For | Cashback Rate |
|---|---|---|
| Airtel Axis | Airtel + Utility Bill Payments | Up to 25% |
| Flipkart Axis | Flipkart, Swiggy | 5% Flipkart, 4% Swiggy, 1% others |
| Axis Ace | General Spending | 5% (Google Pay bills), 1.5% others |
How to Maximize Cashback on Airtel Axis Bank Credit Card
Want to get the most value from your Airtel Axis Bank Credit Card? Instead of focusing only on the ₹2 lakh annual spend required for the annual fee waiver, it’s smarter to aim for maximum cashback within key categories.
Here’s how you can optimize your monthly spends to unlock the highest rewards:
- Utility Bills via Airtel Thanks App – Spend ₹2,500/month to hit the ₹250 cashback cap (10% cashback)
- Airtel Mobile, DTH, or Broadband Payments – Spend ₹1,000/month to get ₹250 cashback (25% cashback)
By doing this consistently every month, your total annual spend is just ₹42,000, but your effective reward rate shoots up to 14%.
Even if you don’t meet the ₹2 lakh annual fee waiver, paying the ₹500 fee still gives you a net reward rate of 13%, which is excellent for an entry-level credit card.
Conclusion
The Airtel Axis Bank Credit Card is a top pick for Airtel users who want high-value cashback without the hassle of tracking complex reward points. With 25% cashback on Airtel services, 10% on utilities, and lounge access benefits, it delivers excellent returns for a modest annual fee. If your monthly spends align with the card’s bonus categories, this card can easily become your go-to for everyday payments.
Frequently Asked Questions (FAQs)
Airtel Axis Bank Credit Card
25 thoughts on “Airtel Axis Bank Credit Card Review”
If I use credit card for recharge and the limit of 250 gets triggered and during the same month if I do some Swiggy zomato transaction, is the limit different or it will get capped under the same 250rs cap of recharge discount?
Both of these have different caps.
I have some Jewellery and high value fuel spending coming up , if i use airtel axis credit card, will they count in fee waiver threshold ?
Yes, it should. Right now, only rent and wallet load transactions are excluded.
Do they offer Rupay variant in Airtel axis credit card ?
Yes
Hi,
To avail the welcome offer (amazon voucher); is there any minimum amount to spend or any amount will do ?
Any amount is ok. Axis Bank does not specify any minimum amount for this card.
Hi.
Will I get 10% cashback on payment of JIO or ACT broadband bills via Airtel Thanks app?
No
I applied a few days back through the Airtel Thanks App, but got rejected saying I don’t fit the bank’s criteria. I earn 70K+ a month easily so I am unsure what else is in the criteria. If there is any workaround or any other way that I should apply I’d be glad to know.
No workarounds. This card has always been difficult to get. You may want to try for some other mobile number in the family.
I have a doubt on apply from different number . can i apply from different number with my name and my pan
Yes, you can do that.
I am customer of Airtel for the past 10 years. Earning twice of you, Credit score is more than 800 still card rejected 2 times. Juts today, the card is approved. Axis bank is a tough bank to get a card.
Will I be able to pay friends and family Airtel services bills using it and get 25% cashback. Or services have to be on card holders name
Yes, you can
Insurance payment on Airtel Thanks app will get 10% cashback or not?
It is not applicable on insurance transactions.
Application of mine got rejected.
Is there any possible way to get it approved else way?
By mailing nodal officer? Or get it against FD?
I mailed nodal officer to reconsider and pathetic customer service, they told to get credit card against FD and also to reply back with the application reference number if not eager to do FD.
I have replied with the reference number to reconsider as well as provide airtel CC against FD for which I am ready to book an FD now waiting for the principal nodal officer to reply for my replied mail.
Is there any chance that they’ll approve? Or allow me to get airtel CC against FD?
Can a non-airtel user apply for the card? Thinking of getting one, but only if card is approved then only will port to airtel.
Is there any internal criteria to apply from a airtel sim only for further approval?
Cashback capping is 300₹ per statement period or calendar month?
It is per statement period.
Have they stopped issuing this card? Applied 1 month back, haven’t got the card yet.
good article