Airtel Axis Bank Credit Card
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Axis Bank

Airtel Axis Bank Credit Card

RuPay
Co-branded

Your rating

Community rating

Best for Airtel subscribers — telecom, broadband & utility cashback

Joining Fee

₹500

Annual Fee

₹500

Reward Rate

1% – 10%

Forex Markup

3.5%

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Key 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

Rewards

How you earn back on every swipe

cashback

Reward type

1% – 10%

Earn rate

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)

Travel & 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

Tips & reviews

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

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Eligibility

Age21+ yrs – 70
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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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