Airtel Axis Bank Credit Card
Issuer Regulated by RBI
Axis Bank logo
Axis Bank

Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card offers 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments via the Airtel Thanks app (capped at 2X the base 1% cashback earned in the statement month), 10% on utility bill payments (electricity, gas, water) via the Airtel Thanks app (capped at 1X base cashback, max ₹250/month), 10% instant value back at Zomato, Blinkit, and District Movies (capped at ₹200/month per partner; ₹499 min order on food/grocery), and 1% unlimited base cashback on other eligible retail spends.

RuPay
Co-branded
73
Overall CardCheck ScoreVery Good

Cashback Fit Score

95/100

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

Joining Fee

₹500

Annual Fee

₹500

Reward Rate (%)

1 – 25

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

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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.

Reward Power

35/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

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

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
₹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.

Est. Base Rewards+₹2,000@1% base rate
Effective Fee₹0 (Waived)100% saved
Net Annual Value+₹2,000rewards vs fee
*Estimated using standard base rate (1%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

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

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Airtel Axis Bank Credit Card Eligibility

Age18+ yrs – 70
CIBIL score
750+

Employment type

Salaried

Pros & Cons

Pros
  • 25% cashback on Airtel mobile, broadband, and DTH recharges via Airtel Thanks app
  • 10% cashback on electricity, gas, and water bill payments via Airtel Thanks app
  • 10% instant value back on Zomato, Blinkit, and District Movies (up to ₹200/month each)
  • 1% unlimited cashback on everyday retail spends with no maximum cap
  • 4 complimentary domestic airport lounge visits per year (1/quarter, spend-linked)
  • Annual renewal fee waived on ₹2 lakh annual spend
Cons
  • Airtel 25% and utility 10% cashback caps are strictly tied to base spends (2X and 1X base cashback multiplier)
  • Zero cashback earned on telecom or utility bills if no eligible base spends are made in the statement cycle
  • Swiggy and BigBasket are no longer preferred partner merchants (replaced by Zomato and Blinkit)
  • Preferred merchant 10% value back is capped at only ₹200 per partner per month and requires ₹499 minimum order
  • Utility and telecom spends done outside Airtel Thanks app earn 0% cashback
  • Zero cashback on fuel, rent, wallet loads, jewelry, insurance, education, and government payments

Who is this card for?

Best for Airtel mobile and broadband subscribers who regularly pay their utility bills via the Airtel Thanks app and frequently order on Zomato and Blinkit. Cardholders must have regular retail spends in other categories to unlock the 2X and 1X cashback caps on telecom and utility bills.

Quick Links

Data last updated 4 Sept 2026

All Axis Bank credit cards →Best Cashback CardsBest Fuel Cards
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