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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 good 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 Rating
4.0 / 5

Our View :

Best for paying your utility bills – 25% cashback (upto ₹250 per month) on Airtel bill payments || 10% cashback (upto ₹250 per month) on various utility bill payments – water, electricity, gas

The card also offers 10% cashback (upto ₹500 per month) on grocery purchases and food orders – through Swiggy, Zomato, and BigBasket.

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 deals 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.

on Airtel website

Airtel Axis Bank Credit Card

Special Benefits

25% cashback (upto ₹500 per month) on various Airtel utility bills

Other Benefits

10% cashback (upto ₹500 per month) 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

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

  • You may need to consider other cards, on earn rewards on other significant spends like travel etc.
Features
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Rewards Rate 1% – 25%

0.20% – 4%

0.6% – 1.2%

1% – 2%

2% – 5%

Other benefits Fuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel Surcharge WaiverFuel 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 SpecifiedNot Specified₹ 6,00,000Not Specified

Features & Benefits of Airtel Axis Bank Credit Card

25% cashback (upto ₹250 per month) on various Airtel services via Airtel Thanks app : mobile || broadband || wifi || DTH TV services

You earn ₹25 (as cashback) on every ₹100 you spend on above Airtel services.

Maximum cashback given is ₹250 per month.

Hence you will get 25% cashback, on total spends upto ₹1000 per month (since maximum cashback amount is ₹250 per month). If you spend more than ₹1000 on these Airtel services, your percentage cashback will be fall below 25%. For example if your total spends on these services is ₹2000, then your cashback percentage will be 12.50%.

10% cashback (upto ₹250 per month) on utility bill payments via Airtel Thanks app : electricity || water || gas bills

You earn ₹10 as cashback, on every ₹100 you spend on above bills.

10% cashback (upto ₹500 per month) on following apps – Swiggy || Zomato || BigBasket

You earn ₹10 as cashback, on every ₹100 you spend on these apps. This offer is applicable if you spend through these apps only.

1% basic cashback benefit on all other purchases

You earn ₹1 as cashback, on every ₹100 you spend on all other card purchases .

Exceptions : No cashback is given on the following spends- utility bills which are not paid on Airtel platform, fuel purchases, wallet loads, EMI transactions, government & education services, rent, jewelry, insurance, annual fee and other fees, cash advances, payment of outstanding card balances, returns & cancellations

Please click here to view all terms and conditions of the Airtel Axis Bank Credit Card.

Complimentary access to airport lounges in India – 4 times per year

Dining offers in partnership with EazyDiner (Dining Delights Program) : 15% discount (upto ₹500) once a month, at participating restaurants

Fuel surcharge waiver, upto ₹500 per month

Axis Bank 24/7 customer care support

Please click here for all the options to contact the bank for various issues and escalations.

Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹500Welcome 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₹500Renewal fee offer : Renewal fee is not charged from the second year onwards , if you spend ₹2 lakhs 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 amountLate Fees
Less than ₹500NIL
₹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

Please note

– GST/ 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 age18 years
Maximum age70 years
Minimum incomeNot specified
Residential statusThe individual should be a resident of India
Credit scoreShould 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.

Tracking your credit card application status

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 Now

on 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.