The Airtel Axis Bank Credit Card is a cashback-focused credit card designed for everyday digital spending—especially Airtel services, utilities, and leading online platforms.Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel services, utility bills, food delivery, and groceries. Enjoy ₹500 Amazon voucher, 4 complimentary domestic lounge visits, fuel surcharge waiver, and easy EMI options with a ₹500 annual fee. Apply online via Airtel Thanks app for seamless digital savings on everyday spends.
Here’s a detailed breakdown:
Welcome Benefit
- Get an Amazon voucher worth ₹500 on your first transaction within 30 days of card issuance.
- Effectively offsets the first-year fee for regular users.
Cashback Structure
| Spend Category | Cashback Rate | Cashback Cap | Key Condition |
|---|---|---|---|
| Airtel Services | 25% | ₹250/month | Via Airtel Thanks App |
| Utility Bill Payments | 10% | ₹250/month | Via Airtel Thanks App |
| Swiggy, Zomato, BigBasket | 10% | ₹500/month | Direct spend |
| All Other Spends | 1% | Unlimited | Standard CC payment |
- Cashback is auto-credited to your card statement; no redemption hassles.
- Cashback rates are among the highest for telecom and digital utility payments—makes this card highly valuable for regular Airtel and utility spends.
Travel and Dining
- 4 complimentary domestic airport lounge visits per year (minimum spend ₹50,000 in preceding 3 months required).
- Up to 15–20% discount at thousands of partner restaurants across India via EazyDiner and Dining Delights program.
Fuel and EMI
- 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (max ₹500/month; GST on surcharge not refunded; no cashback on fuel).
- Ability to convert purchases of ₹2,500 or more into EMIs for better manageability.
Wednesday Delight (Special Offers)
- Weekly discounts of up to 15% on flights/hotels via MakeMyTrip, 10% off Swiggy orders, and other deals every Wednesday[2].
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | ₹500 + GST |
| Renewal Fee (Yearly) | ₹500 + GST |
| Add-on Card Fee | ₹100 |
| Interest Rate | 52.86% p.a. |
| Late Payment Fee | Variable |
| Foreign Transaction Fee | 3.5% |
| Over-limit Penalty | 2.5% |
| Cash Withdrawal Fee | 2.5% (min ₹500) |
- Annual fee is waived from the second year if you spend ₹2 lakh in the previous year.
Eligibility
- Age: 18–70 years, Indian resident.
- Requires good credit score, identity/address proof, PAN, and income documents.
Pros
- High cashback on Airtel and utility spends.
- Amazon voucher covers first-year fee for active users[2][5][7].
- Partner discounts on dining/OTTs, strong food/grocery cashback.
- Lounge access and fuel surcharge waiver add value for frequent travelers[2][7].
Cons
- Cashback caps mean best value for moderate household spends.
- No international lounge access; travel benefits are India-only.
- Fuel transactions don’t earn cashback[2].
- Only digital payment via Airtel Thanks App eligible for higher cashback.
Typical Monthly Savings (Example Table)
| Category | Monthly Spend | Cashback % | Monthly Cashback* |
|---|---|---|---|
| Airtel (services) | ₹1,000 | 25% | ₹250 |
| Utilities | ₹2,000 | 10% | ₹200 |
| Food/Grocery | ₹3,000 | 10% | ₹300 |
| Other | ₹5,000 | 1% | ₹50 |
Actual savings may be capped as per above caps.AU Bank SPONT Credit Card
Here are the most frequently asked questions (FAQs) about the Airtel Axis Bank Credit Card, covering features, eligibility, cashback, charges, and application processes.
Airtel Axis Bank Credit Card FAQs
1. Who is eligible for the Airtel Axis Bank Credit Card?
- Indian residents aged 18–70 years, with a good credit score and stable income sources, are eligible to apply.
2. How can I apply for the card?
- Applications are made digitally via the Airtel Thanks app or via Axis Bank branches/website.
3. What documents are required?
- Basic KYC: PAN card, identity proof, address proof, and income documents (salary slip or ITR).
4. What is the joining and renewal fee?
- ₹500 + GST for both joining and annual renewal; waived from year 2 if you spend ₹2 lakh annually (some spends like wallet loads & rent are excluded).
5. What are the cashback rates and monthly caps?
- 25% cashback (up to ₹250/month) on Airtel payments via Airtel Thanks app.
- 10% cashback (up to ₹250/month) on eligible utility payments via Airtel Thanks app.
- 10% cashback (up to ₹500/month) on Swiggy, Zomato, and BigBasket.
- 1% unlimited cashback on all other eligible spends.
6. How is the cashback credited?
- Cashback is directly settled against your next statement bill, making payments easier.
7. Are cash withdrawals and fuel spends eligible for cashback?
- No cashback on fuel transactions or cash advances.
- You do get a 1% fuel surcharge waiver (up to ₹500/month; some conditions apply).
8. Is lounge access included?
- Yes, 4 complimentary domestic airport lounge visits each year, provided you spend ₹50,000 in the previous 3 months.
9. What are the interest rates and charges?
- Finance charges: 3.75% per month (~52.86% p.a.).
- Late payment fee: ₹500 to ₹1,200, depending on bill amount.
10. Can purchases be converted into EMIs?
- Yes, any qualifying purchase above ₹2,500 can be converted into easy EMIs—just contact the bank after making the purchase.
11. Are there any special offers or partner tie-ups?
- Wednesday Delight: Extra discounts on MakeMyTrip, Swiggy, and various partners each Wednesday.
- Up to 15–20% off at partner restaurants via Dining Delights/EazyDiner.
12. Is it useful for all telecom users?
- Best suited for frequent Airtel users who also pay utility bills and order food/groceries online.