Airtel Axis Bank Credit Card is designed to offer benefits to Airtel customers in the form of cashback, discounts and vouchers not only on Airtel spends but also across spending on other brands like Zomato, Swiggy and BigBasket. Complimentary airport lounge access, dining discounts etc. also make it a worthy competitor to popular cashback cards like Amazon Pay ICICI Credit Card and Cashback SBI Card. At an affordable annual fee of Rs. 500, this card is a good choice for those who are in the Airtel ecosystem. Read on to know more about this co-branded credit card.
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Great for: Utility Bill Payment | Cashback | Online Shopping
Annual Fee: Rs. 500
| Airtel Axis Bank Credit Card Rating |
| Co-branded Benefits ★★★★★ Cashback ★★★★ Annual Fee ★★★★ Other Benefits ★★★ |
| Overall Rating ★★★ |
Note: Details mentioned in the video have been sourced from the issuer’s website as of October 2024. For updated information, refer to this page.
Welcome Benefits: This credit card offers Amazon e-voucher worth Rs. 500 as a welcome/activation benefit, on the first transaction made within the 30 days of card issuance. The voucher is sent to your registered mobile number within 30 days of meeting the requirement.
Cashback Benefits: You get the following cashback benefits on your Airtel Axis Credit Card:
| Type of Transaction | Cashback Rate | Capped at |
| Bill payment for Airtel Mobile, Broadband, Wifi, and DTH via the Airtel Thanks app | 25% | Rs. 250 per month |
| Utility bill payments such as electricity, water, gas via the Airtel Thanks app | 10% | Rs. 250 per month |
| Across preferred merchants- Zomato, Swiggy and BigBasket | 10% | Rs. 500 per month across all merchants |
| Other spends* | 1% | No limit |
*Except utility bills paid via any other platform except Airtel Thanks app and spends made on fuel, EMI transactions, purchases converted to EMI, outstanding balance, wallet loading, jewellery, rent, govt. services, insurance, education, cash advances and card-related fee & charges.
Click here to know about the other terms and conditions related to cashback on this credit card.
Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit Axis Bank’s website.
Suggested Read: Top Cashback Credit Cards in India
Airport Lounge Access: 4 complimentary domestic lounge visits per year at select domestic airports in India on spending Rs. 50,000 during the previous 3 months. In case of a newly issued card (not for card upgrades), the minimum spend criteria is waived for the month of card issuance and for the next 3 months as well.
The spending condition on lounge access is applicable from 1st May 2024 onwards.
Other Benefits: Some other benefits offered by this co-branded credit card are:
To understand this better, let us compare Airtel Axis Bank Credit Card (with monthly capping) with Axis Ace (with no monthly capping). To get a clear comparative view, we have also added Cashback SBI Card, which comes with a high general cashback rate but no benefits on utility bill payments.
| Transaction Type | Transaction Value (in Rs.) | Airtel Axis Bank Credit Card (in Rs.) | Axis Ace Credit Card (in Rs.) | Cashback SBI Card (in Rs.) |
| Electricity Bill | 6,000 | 250 | 300 | 0 |
| Mobile Bill | 3,000 | 150 | 150 | 0 |
| DTH Bill | 1,000 | 100 | 50 | 0 |
| Water Bill | 1,000 | 0 | 50 | 0 |
| Zomato | 2,000 | 200 | 80 | 100 |
| Bigbasket | 5,000 | 300 | 75 | 250 |
| Ola | 2,000 | 20 | 80 | 100 |
| Apparel Purchase | 5,000 | 50 | 75 | 250 |
| Fuel | 5,000 | 0 | 0 | 0 |
| Total | 30,000 | 1,070 | 860 | 700 |
*In the above example, we have assumed that the utility bill payments are made via the co-branded platform. In case of Airtel Axis Card, it will be Airtel Thanks app and in case of Axis Ace, it would be Google Pay.
Here, we realise that for transactions like mobile bills and utility bills, a capping of Rs. 250 per month for Airtel Axis cardholders is too low, since these transactions are usually high value. But this card still offers a considerable value-back when compared to other similar credit cards. You can make the most of Airtel Axis Bank Credit Card if you use it for your spends on the Airtel Thanks app and put rest of the expenses on a card that gives a higher value back across other categories without any capping.
Suggested read: Top Credit Cards for Online Shopping
Offering the maximum cashback on spends made via Airtel Thanks App, this credit card is best-suited for those who are already in the Airtel ecosystem or are planning to come onboard. Moreover, the card also rewards its users for utility bill payments. Since most credit cards keep utility bills in the excluded category, this card is a good option for those looking to save on this category of spends.
| Axis Ace is another credit card by Axis Bank that offers cashback on utility bill payments (made via Google Pay). So, if you are not an Airtel customer but wish to earn cashback on utilities as well as other spends, Axis Ace would be a better choice for you. |
However, cashback on Airtel Axis Bank credit card comes with monthly capping. So, you would only be able to maximize benefits on limited spends every month, as shown below:
The above calculation is done on the basis of cashback rate and the maximum capping. For example, for Airtel Bills you get 25% cashback but only up to Rs. 250 per month. This means you can avail this benefit on monthly transaction value of Rs. 1,000 only.
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Fee and charges associated with Airtel Axis Credit Card are listed as follows:
| Fee Type | Details |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Finance Charges | 3.6% per month | 52.86% per month |
| Late Payment Fee | For Outstanding Amount: Less than Rs. 500: Nil From Rs. 501 to Rs. 5,000: Rs. 500 From Rs. 5,001 to Rs. 10,000: Rs. 750 Greater than Rs. 10,000: Rs. 1,200 |
Click here to know other fees and charges associated with this credit card.
Note that, Airtel Axis Bank Credit Card can be availed exclusively via the Airtel Thanks App. However, the basic criteria to avail this credit card is:
Click here to know the list of acceptable documents for this credit card. Please note, that the documents required may vary on a case to case basis.
Axis Bank ACE Credit Card
Joining fee: ₹499
Annual/Renewal Fee: ₹499
5% cashback on utility bill payments and recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
Product Details
Amazon Pay ICICI Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
Up to 5% cashback on Amazon purchases
1% cashback across all offline spends
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Standard Chartered Platinum Rewards Credit Card
Joining fee: ₹250
Annual/Renewal Fee: ₹250
5X reward points on dining & fuel spends
100% cashback on your first transaction at restaurants
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What is the minimum expenditure criteria to earn cashback on Airtel Axis Credit Card?
To earn cashback there is no minimum expenditure requirement on Airtel Axis Bank Credit Card. However, the maximum cashback you can earn per statement cycle is capped at certain limits across different spends. Click here to know more.
How to redeem the welcome voucher earned via Airtel Credit Card?
To redeem the Amazon gift voucher worth Rs. 500, earned as a welcome benefit on this credit card, you need to follow these steps. (i) Go to www.amazon.in/addgiftcard (ii) Enter the gift card or voucher code in the required field (iii) Click on ‘Add to your balance’
Note that, you can redeem the welcome benefit only when you have an amazon account. In case you do not have one, you need to first create a new Amazon account and then proceed with redemption.
How do I receive the cashback earned via Axis Bank Airtel Credit Card?
The cashback amount earned via transaction made with this card will be auto-credited to your monthly statement. It will be reflected in the next month’s credit card statement as ‘cashback credited’ and adjusted against the next month’s bill. It will be credited to your next billing cycle within three days before the next statement generation.
