What is the annual fee for Airtel Axis Bank Credit Card?

The annual fee for Airtel Axis Bank Credit Card is ₹500. The fee is waived on annual spend above ₹2,00,000.

What is the joining fee for Airtel Axis Bank Credit Card?

The one-time joining fee for Airtel Axis Bank Credit Card is ₹500.

What are the rewards and benefits of Airtel Axis Bank Credit Card?

Airtel Axis Bank Credit Card earns cashback rewards. Reward rate ranges from 1% to 25%.

What lounge access benefits does Airtel Axis Bank Credit Card provide?

Airtel Axis Bank Credit Card provides 1 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for Airtel Axis Bank Credit Card?

To be eligible for Airtel Axis Bank Credit Card, you need a minimum monthly income of ₹15,000.

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Axis Bank

Airtel Axis Bank Credit Card

Name: Airtel Axis Bank Credit Card
Brand: Axis Bank
Price: 500 INR
Availability: InStock

The Airtel Axis Bank Credit Card is purpose-built for Airtel subscribers — 25% cashback on Airtel mobile, broadband, WiFi and DTH payments via Airtel Thanks app (capped ₹250/month), 10% on utility bills via the same app (capped ₹250/month), and 10% on Swiggy, Zomato and BigBasket (capped ₹500/month combined).

Co-branded

CardCheck ScoreExcellent

Top Category Performance

Cashback (95/100)

Best for: Airtel subscribers — telecom, broadband & utility cashback

Joining Fee

₹500

Annual Fee

₹500

Reward Rate (%)

1 – 25

Forex Markup

3.5%

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

ExcellentScore / 100

Reward Power

35/35

Fee Value & ROI

22/25

Lounge & Perks

11/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Cashback Spends

95/100

RuPay UPI Payments

88/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Airtel Axis Bank Credit Card Benefits

25% cashback on Airtel mobile, broadband, Wi-Fi & DTH bill payments via Airtel Thanks app (up to ₹250/month)

10% cashback on utility bill payments via Airtel Thanks app (up to ₹250/month)

10% cashback on Swiggy, Zomato & Blinkit spends (up to ₹500/month)

1% cashback on all other eligible spends

₹500 Amazon voucher as welcome benefit on first transaction within 30 days

1% fuel surcharge waiver on ₹400–₹4,000 fuel transactions

Annual fee of ₹500 + GST waived on ₹2 lakh annual spends

Cashback auto-credited to statement balance

Airtel Axis Bank Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1% – 25%

Earn rate

Airtel Axis Bank Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹500

Annual fee₹500

Fee waiver on annual spend₹2,00,000

Interest-free period50 days

Interest rate (APR)55.55%

Late payment fee (max)₹1,200

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹4000)

Airtel Axis Bank Credit Card Lounge Access

Airport perks included with this card

1 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

utility spends outside Airtel Thanks app earn no cashback
fuel transactions earn no cashback
rent and wallet load transactions do not count toward annual fee waiver
excluded MCC categories on other spends
reward redemption fee not applicable

Card Features

Metal Card

Contactless

UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹2,00,000/yr

Your Estimated Monthly Spend:₹16,667/mo

Presets:

Annual Fee 100% Waived₹2,00,004 / ₹2,00,000

🎉 Annual renewal fee 100% waived! At ₹16,667/mo (₹2,00,004/yr), your ₹500 fee drops to ₹0.

Gross Rewards+₹50,001

Effective Fee₹0 (Waived)

Net Profit/Yr+₹50,001

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Airtel Axis Bank Credit Card Eligibility

Age18+ yrs – 70

Min. income₹15,000/month

CIBIL score750+

Employment type

Salaried

Pros & Cons

Pros

One of the best cards for Airtel users
Excellent utility bill cashback rates
Strong savings on food delivery and grocery apps
Easy statement-credit cashback system
Low annual fee with achievable waiver milestone
Good everyday cashback card for salaried users
High real-world savings potential for families with multiple Airtel connections

Cons

Cashback categories have monthly caps
Best value depends heavily on Airtel Thanks app usage
No airport lounge access
Forex markup is high for international spending
Cashback exclusions apply on fuel, rent, EMI, wallet loads, and government payments
Limited travel and premium lifestyle benefits
1% base cashback is average outside bonus categories

Who is this card for?

Airtel mobile/broadband subscribers who pay utility bills via the Airtel Thanks app and regularly order on Swiggy, Zomato or BigBasket. Non-Airtel users will only benefit from the Swiggy/Zomato/BigBasket 10% cashback (capped ₹500/month) and 1% on everything else.