By: OurMoneyGuide || Last updated on: May 8, 2024

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

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.

Pros & Cons of Airtel Axis Bank Credit Card

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 & Benefits of the 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%.

Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.

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

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

Maximum cashback given is ₹250 per month.

Hence you will get 10% cashback on total spends upto ₹2500 per month. If you spend more than ₹2500 on these bills in a month, your percentage cashback will be lower than 10%. For example if you spend ₹5000 on these bills, then your cashback percentage will be 5%

Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.

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.

Maximum cashback given is ₹500 per month.

Hence you will get 10% cashback on total spends upto ₹5000 per month. If you spend more than ₹5000 on these bills in a month, your percentage cashback will be lower than 10%. For example if you spend ₹10000 on these apps, then your cashback percentage will be 5%.

Important terms & conditions
– BigBasket offer : This offer is eligible on Bigbasket & BBnow. If customer does transaction on ‘ the beautystore’, ’fresho!meats’ etc then customer shall not be eligible for cashback.
– Swiggy offer : This offer is eligible only on transactions done on Swiggy App, on spends made on Food Delivery and Dineout. If customer does a transaction on ‘ Instamart’, ’ genie’ etc then customer shall not be eligible for cashback.
– Zomato offer : This offer is eligible only on transactions done on Zomato App, on spends made on Delivery and Dining. If customer does a transaction on ‘ Zomaland’, ’ Money’, ‘Blinkit’ etc then customer shall not be eligible for cashback.

Cashback will be paid into your credit card statement, 3 days before the next monthly card bill is generated.

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

You get free visits to domestic airport lounges, 4 times per year. For list of lounges and more details, please click here – Axis Airtel Lounges List

To access complimentary lounge from 1st May 2024 onwards, you need to have spent a minimum of ₹50,000 on your credit card in the previous 3 months.

In case of a newly issued card, the minimum spend criteria is waived for the month of card issuance as well as for the following three months. For example, if card issuance date is 20th March 2024, you will be able to access lounge for the period 20th March to 30th June 2024, without any minimum spend requirement. But if you want to avail lounge access after this period (in this case July 2024), then you will be able to do so only by spending ₹50,000 from 1st April to 30th June 2024 (preceding 3 months).

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

This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500. 

Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.

This offer can be redeemed once every month.

Fuel surcharge waiver, upto ₹500 per month

You get a 1% fuel surcharge waiver, only on fuel transactions between ₹400 and ₹4000. And on fuel purchases upto ₹50,000 per month, since the maximum waiver amount is restricted to ₹500 per monthly card statement cycle.

Axis Bank 24/7 customer care support


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

Airtel Axis Bank Credit 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

Application trackingYou can track the status of your application through the CC Tracker. You can see this on the Home page OR use the search bar & simply type in CC Tracker or Application Tracker.

Steps :
1. Enter the application ID number (that you would have received at the time of applying for a card) & mobile number OR enter PAN number & mobile number (in case you do not remember your application ID number)
2. Next, enter the CAPTCHA, and then click on the Track button to check the status of your Card application.

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.