The Airtel Axis Bank Credit Card is a co-branded credit card offered by Axis Bank in partnership with Airtel, one of India’s leading telecom service providers. It is a great credit card for a variety of utility bill payments, and also offers attractive cashback on food orders & grocery purchases. It also offers other benefits like free airport lounge access in India, an attractive dining program, and fuel surcharge waivers.
Brief Summary
Our View :
Best for paying your utility bills – 25% cashback on Airtel bill payments (maximum cashback of ₹300 per month), 10% cashback on various utility bill payments (water, electricity, gas bills – maximum cashback of ₹300 per month).
The card also offers 10% cashback on grocery purchases and food orders – through Swiggy, Zomato, and BigBasket (maximum cashback of ₹500 per month). And free visits to airport lounges in India , maximum 1 time per quarter.
The annual card spend target to get annual fee waived off (from 2nd year onwards) is on the higher side – ₹2 lakhs, but if you use all the cashback amounts available , it may still be a good card choice even if you have to pay the annual fee . The 1st year annual fee is covered by welcome offer worth ₹500.
Airtel Axis Bank Credit Card
Special Benefits
25% cashback on Airtel bills
Other Benefits
10% cashback on water, electricity and gas bills. 10% cashback on Swiggy, Zomato, and BigBasket
Minimum Income
Not specified
Annual Fee
₹ 500
Annual Fee Offers
Welcome offer worth ₹ 500
Renewal fee waived at ₹2 lakhs annual card spend
Airtel Axis Bank Credit Card : Summary Table
| 25% cashback on Airtel bills – via Airtel Thanks App (capped at ₹300 per month) | You earn 25% cashback on mobile, satellite TV (DTH), internet & wifi (broadband) bills from Bharti Airtel – on upto ₹1200 of spends per month (since maximum cashback amount is ₹300 per month). On total bill payments of more than ₹1200 per month , your percentage cashback will be lower than 25% (since maximum cashback is fixed at ₹300 per month). For example , on total bill payments of ₹1500, your cashback will drop to 20%. |
| 10% cashback on water, electricity and gas bills – via Airtel Thanks App (capped at ₹300 per month) | You earn 10% cashback on your water, electricity and gas bills of upto ₹3,000 per month (since maximum cashback amount is capped at ₹300 per monthly card statement cycle). On total bill payments of more than ₹3000 per month in this category , your percentage cashback will be lower than 10% (since maximum cashback is capped at ₹300 per month). For example , on total bill payments of ₹6000, your cashback will drop to 5%. |
| 10% cashback on grocery purchases and food orders – through Swiggy, Zomato, and BigBasket (capped at ₹500 per month) | You earn 10% cashback on Swiggy, Zomato, and BigBasket purchases – on combined total purchases of upto ₹5,000 per month in this category (since maximum cashback is limited to ₹500 per month) On total spends of more than ₹5000 per month in this category , your percentage cashback will be lower than 10% (since maximum cashback is capped at ₹500 per month). For example , on spends of ₹10000, your cashback will drop to 5%. |
| 1% cashback on all other spends | You earn 1% cashback on all other spends. Important exceptions : No cashback is earned on fuel purchases , wallet load transactions, rent payments and property related payments , jewelry & related payments , insurance payments. |
| Dining benefits : – 15% discount at restaurants, in partnership with EazyDiner | You get a 15% discount up to ₹500 , at over 4,000 restaurants nationwide. Minimum order amount of ₹2,500. Hence you get a 15% discount on orders between ₹2,500 and ₹3,333. On orders above ₹3,333, your discount% will be below 15% since maximum discount is fixed at ₹500. This offer can be redeemed once every month. |
| 4 free visits per year – to airport lounges in India | For list of lounges please click here – Axis Airtel Lounges List |
| Exclusive deals on Axis Grabdeals platform | Axis Grabdeals is a platform where Axis Bank presents its exclusive tieups with a large variety of partners. There are more than 50 exclusive deals available on Axis Grabdeals – from large online stores, fashion, groceries, travel etc. For details, please visit click here – Axis Grabdeals Platform |
| ₹500 annual fee | Annual fee offers – – Welcome offer worth ₹500 : You get ₹500 Amazon Gift Voucher on your first card transaction , within 30 days of card issuance date. – Renewal offer : Annual fee is not charged from the 2nd year onwards , if you spend ₹2,00,000 or more in the previous year. |
Pros & Cons
Pros
- Good card for a variety of utility bill payments – mobile, satellite TV, internet & wifi, water, gas, electricity
- Attractive cashback on food ordering (Zomato & Swiggy) & small grocery purchases (BigBasket)
- Free airport lounge access in India , 4 times per year
- Attractive dining program, and other exclusive benefits from Axis Bank available through Axis Grabdeals platform
Cons
- High annual spend target of ₹2,00,000 , for annual fee waiver
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|---|---|---|---|---|---|
| Rewards Rate |
1% – 25%
|
0.20% – 4%
|
0.6% – 1.2%
|
1% – 2%
|
2% – 5%
|
| Other benefits | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver |
| Annual Fee |
₹500
|
₹500
|
Nil
|
₹3000 + GST
|
₹499
|
| Annual Fee Offers |
Zero renewal fees – if minimum spending in the previous year is ₹2,00,000
|
Zero renewal fees – if minimum spending in the previous year is ₹50,000
| – |
Annual fee waived off on annual spends greater than ₹. 6,00,000.
|
Annual Fee waived off on annual spends greater than ₹. 2,00,000
|
| Minimum Income | Not Specified | Not Specified | – | ₹ 6,00,000 | Not Specified |
A Detailed Review of the Airtel Axis Bank Credit Card
Features & Benefits of Airtel Axis Bank Credit Card
25% special cashback on various Airtel services, via Airtel Thanks app : mobile || internet & wifi || satellite TV (DTH)
Earning & redeeming special cashback :
– You earn ₹25 (as cashback) on every ₹100 you spend on above Airtel services
– Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.
Limits & caps on special cashback :
– Maximum cashback amount is ₹300 per month
– You will get 25% cashback, on total spends upto ₹1200 per month (since maximum cashback amount is ₹300 per month)
– If you spend more than ₹1200 on these Airtel services – your percentage cashback will be lower than 25% and will depend on the total spends on these services (since maximum cashback is ₹300 per month). For example if your total spends on these services is ₹1500, then your cashback percentage will be 20%
10% special cashback on utility bill payments (electricity, water & gas bills) via Airtel Thanks app
Earning & redeeming special cashback :
– You earn ₹10 on every ₹100 you spend on above bills as cashback
– Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.
Limits & caps on special cashback :
– Maximum cashback amount is ₹300 per month
– You will get 10% cashback on total bill amount upto ₹3,000 per month (since maximum cashback amount is ₹300 per month)
– If you have more than ₹3,000 total bill in a month – your percentage cashback will be lower than 10% and will depend on the total bill amount (since maximum cashback is ₹300 per month). For example if your total bill amount is ₹3750, then your cashback percentage will be 8%
10% special cashback on Swiggy, Zomato & BigBasket payments
Earning & redeeming special cashback :
– You earn ₹10 on every ₹100 you spend, as cashback. For example, if you make a purchase of ₹1,000 on Zomato, you will get cashback of ₹100
– Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.
Limits & caps on special cashback :
– Maximum cashback amount is ₹300 per month
– You get 10% cashback on total purchase amount (across the 3 retailers) upto ₹5,000 per month (since maximum cashback amount is ₹500 per month)
– If your total purchases are more than ₹5,000 in a month – your percentage cashback will be lower than 10% and will depend on the total purchase amount (since maximum cashback is ₹500 per month). For example if your total bill amount is ₹6,250, then your cashback percentage will be 8%
1% basic cashback benefit on all other purchases
You earn ₹1 on every ₹100 you spend on all other purchases . For example, if you make a purchase of ₹1,000 on Amazon, you will get cashback of ₹10. – Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.
Exceptions & important terms & conditions : Spends on which no cashback is given –
– Fuel purchases
– Wallet load transactions
– Rent payments and property related payments – property management fees, rental commissions etc
– Jewelry & related payments : jewelry, silverware, watch, clock related payments
– Insurance payments
– Non customer initiated debits like annual fee and other fees
– Returns, refunds & cancellations
Please click here to view all terms and conditions of the Airtel Axis Bank Credit Card.
Dining Benefits – Dining Delights Program
Participating restaurant partners : Dining Delights is an exclusive program for Axis Bank Credit and Debit Cardholders in partnership with EazyDiner, a popular online restaurant reservation platform.This program offers customers exciting discounts and offers at top restaurants across India. For a list of participating restaurants and more information, please visit here.
Discounts and offers : You can avail of a 15% discount at participating restaurants in India by making a transaction between ₹2500 to ₹3333 – since the maximum discount is capped at ₹500 and minimum order amount is ₹2500.
On orders above ₹3,333, your discount% will be below 15% since maximum discount is fixed at ₹500. For example if your order amount is ₹5000, you will get the maximum discount of ₹500 and your discount% will fall to 10%.
Important terms & conditions
– 15% discount on dining spends upto ₹3,333 (since maximum discount is ₹500)
– Minimum order value – ₹2500
– Valid twice per month
– Offer valid till 30th June 2024
– Offer applicable on booking via the Axis Bank Dining Delights Program on EazyDiner
– Escalations: ED Concierge Board Number & email ID : Phone No.7861004444 Email: booking@eazydiner.com
Other Cardholder Benefits
| 4 free visits per year – to airport lounges in India | For list of lounges and more details, please click here – Axis Airtel Lounges List |
| 1% fuel surcharge waiver | Applicable fuel stations and brands : Fuel surcharge is applicable at all petrol stations. Restrictions : – Fuel transaction limit : Applicable only on fuel transactions between ₹400 and ₹4,000 only, AND – Monthly fuel spend limit : Applicable only upto a maximum of ₹50,000 fuel spend per month (since the maximum waiver amount is ₹500 per monthly card statement cycle) – Both the above conditions need to be met to avail fuel surcharge waiver |
| 24/7 customer support | Please click here for all the options to contact the bank for various issues and escalations |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card. Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone. Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card. |
Card Fees and Charges
Annual fee & annual fee offers
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fee | ₹500 | Welcome Offer : You get an Amazon voucher worth ₹500 , on your first card transaction (within the first 30 days of card issuance). Please click here to view details of the offer. |
| Renewal fee from 2nd year onwards | ₹500 | Renewal fee offer : Renewal fee is not charged from the second year onwards , if you spend ₹2,00,000 or more in the previous year (Rent transactions and wallet load transactions will not be considered as eligible spends , towards availing this annual fee waiver) |
Late payment fee : please see below table
| Pending card statement amount | Late Fees |
|---|---|
| Less than ₹500 | NIL |
| ₹501 to ₹5000 | ₹500 |
| ₹5001 to ₹10,000 | ₹750 |
| ₹10,001 and above | ₹1200 |
Foreign currency transaction fee: 3.5% of the transaction value.
Finance charges: 3.6% per month (52.86% per annum)
Please note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Airtel Axis Bank Card Fees & Charges
Eligibility Criteria
Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the Airtel Axis Bank Credit Card, there are certain basic criteria that all applicants must fulfil.
| Minimum age | 18 years |
| Maximum age | 70 years |
| Minimum income | Not specified |
| Occupation | Salaried or self-employed |
| Residential status | The individual should be a resident of India |
| Credit score | Should have a good credit score, preferably over 750 |
Application Process
Step-by-step guide to applying for the card
| Online application process – on Airtel Thanks App only | You can apply through the Airtel Thanks App (for eligible customers only) : – You can simply scan the QR code on the Airtel website, please click here to see the airtel website page which has the QR code . – You can also click on the link shared in SMS communications done by Airtel for the credit card offer (if you have received this). The application process for Airtel Axis Bank credit card is simple. Please follow the steps in the online journey to complete your application. The KYC process, where applicable, will be conducted after conditional approval for the credit card. |
| Documents required | – PAN card photocopy or Form 60 – Colour photograph – Income proof : Latest payslip/Form 16/IT return copy – Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill – Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card Please note that this list is only indicative. Documents required may vary on a case-to-case basis. |
Conclusion
Airtel Axis Bank credit card is a great credit card for a variety of utility bill payments. It also offers attractive cashback on food orders & grocery purchases.
Apply Nowon Airtel website
Frequently Asked Questions
Can I use the Airtel Axis Bank Credit Card for international transactions?
Yes, the Airtel Axis Bank Credit Card can be used for international transactions. However, please note that foreign currency transactions attract foreign transaction fee of 3.50% on transaction value.
Can I convert my Airtel Axis Bank Credit Card purchases into EMI?
Yes, you can convert your Airtel Axis Bank Credit Card purchases into easy monthly instalments (EMIs). This allows you to manage your expenses by spreading the cost over time, in times of need. This option should be ideally chosen only if you can not repay the full credit card bill amount , since the interest rate on EMI option is likely to be lower than the finance charges (3.6% per month) on outstanding balances , when you do not pay the full credit card bill.
How can I track my cashback earnings and rewards on the Airtel Axis Bank Credit Card?
You can conveniently track your cashback earnings and rewards through the Axis Bank mobile app or internet banking portal. Log in to your account and navigate to the credit card section to view your cashback and rewards summary.
Is there a limit on the number of lounge access visits I can avail , with the Airtel Axis Bank Credit Card?
Yes, the Airtel Axis Bank Credit Card provides 4 complimentary domestic lounge access visits per year. This benefit allows you to enjoy a comfortable and relaxing environment at select lounges in domestic airports across India.
On this page
- Brief overview
- Pros and cons
- Detailed look at the card
- Features & benefits
- Card fees & charges
- Eligibility criteria
- Application process
- Other cardholder benefits
- Frequently asked questions
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