Airtel Axis Bank Credit Card vs IndusInd Nexxt Credit Card
Axis Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹500
Max Reward25%
IndusInd BankScoreVery Good
Annual Fee₹999
Max Reward5%
Airtel Axis Bank Credit Card leads overall with a CardCheck Score of 80/100 (+10 pts over IndusInd Nexxt Credit Card).
4-Pillar Head-to-Head Breakdown
Airtel vs IndusIndReward Power
35%Airtel35/35
IndusInd34/35
Airtel Wins
Fee Value & ROI
25%Airtel22/25
IndusInd20/25
Airtel Wins
Lounge & Travel
20%Airtel11/20
IndusInd4/20
Airtel Wins
Forex & Access
20%Airtel12/20
IndusInd12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 80Best
- 70
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- IndusInd Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Regular
- Best for
- Airtel subscribers — telecom, broadband & utility cashback
- India's only switchable card — choose Savings, Rewards, or EMI mode per transaction
03—Fees
- Joining fee
- ₹500Best
- ₹999
- Annual fee
- ₹500Best
- ₹999
- Fee waiver
- ₹2,00,000
- ₹1,50,000Best
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%Best
- 0.5%
- Max rate
- 25%Best
- 5%
06—Travel & Lounge
- Domestic lounge / qtr
- 1Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹15,000
- ₹25,000
- Min CIBIL
- 700
- 700
- Invite only
Rows won
06of 09
03of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 80Best | 70 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IndusInd Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Regular |
| Best for | Airtel subscribers — telecom, broadband & utility cashback | India's only switchable card — choose Savings, Rewards, or EMI mode per transaction |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹999 |
| Annual fee | ₹500Best | ₹999 |
| Fee waiver | ₹2,00,000 | ₹1,50,000Best |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1%Best | 0.5% |
| Max rate | 25%Best | 5% |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹15,000 | ₹25,000 |
| Min CIBIL | 700 | 700 |
| Invite only | ||
| Rows won | 06of 09 | 03of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Airtel Axis Bank Credit Card | IndusInd Nexxt Credit Card |
|---|---|---|
| CardCheck Score | 80/100Excellent | 70/100Very Good |
| Annual Fee | ₹500 | ₹999 |
| Fee Waiver Spend | ₹2L/yr | ₹1.5L/yr |
| Max Reward Potential | 25% | 5% |
| Domestic Lounge Access | 1 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Airtel Axis Bank Credit Card if:
Your spending centers around airtel subscribers — telecom, broadband & utility cashback and you want direct partner rewards with Axis Bank.
Choose IndusInd Nexxt Credit Card if:
Your spending aligns with india's only switchable card — choose savings, rewards, or emi mode per transaction and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: Airtel Axis Bank Credit Card vs IndusInd Nexxt Credit Card
- Which is better: Airtel Axis Bank Credit Card or IndusInd Nexxt Credit Card?
- Airtel Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 80/100 (Excellent) compared to 70/100 (Very Good) for IndusInd Nexxt Credit Card (a lead of +10 points). Airtel Axis Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Airtel Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, IndusInd Nexxt Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1.5 Lakh.
- How do the reward rates and cashback compare between Airtel Axis Bank Credit Card and IndusInd Nexxt Credit Card?
- Airtel Axis Bank Credit Card offers a base reward rate of 1% and up to 25% on accelerated partner categories. Meanwhile, IndusInd Nexxt Credit Card offers a base rate of 0.5% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Airtel Axis Bank Credit Card or IndusInd Nexxt Credit Card?
- Airtel Axis Bank Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, IndusInd Nexxt Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Airtel Axis Bank Credit Card levies a foreign currency markup fee of 3.5%, while IndusInd Nexxt Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).