Airtel Axis Bank Credit Card

Key Features & Benefits

All You Need to Know About: Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is designed to offer significant savings primarily to Airtel customers by providing up to 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments made through the Airtel Thanks app. Cardholders also earn 10% cashback on utility bill payments such as gas and electricity, as well as on purchases made via popular partner merchants like Swiggy, Zomato, and BigBasket. All other spends earn 1% cashback with no upper limit, adding versatile rewards across daily purchases.

New cardholders receive a welcome gift of an Amazon eVoucher worth ₹500 on their first transaction within 30 days of card issuance. The card also offers four complimentary domestic airport lounge visits annually, provided the cardholder has spent at least ₹50,000 in the previous three months. There is a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement, though fuel spends do not earn cashback.

The card carries a joining fee and annual fee of ₹500 plus GST each. The annual fee is waived if the cardholder’s annual spending exceeds ₹2 lakh, excluding wallet loads and rent payments. Interest rates on outstanding balances stand at 3.75% per month (approximately 55.5% per annum). Foreign currency transactions incur a 3.5% markup fee. The card also supports EMI conversions on purchases above ₹2,500 and offers dining discounts at partner restaurants, making it suitable for Airtel users who want to maximize utility bill savings and enjoy travel and lifestyle perks.

Pros & Cons

How to Apply

1. Download the Airtel Thanks app from the Play Store or App Store.

2. Open the app, go to the ‘Shop’ section, and select ‘Credit Card’ under ‘Financial Services’.

3. Complete the application form by filling in the required personal and financial details.

4. Submit the application and wait for approval. Once approved, the card will be delivered to your doorstep.

Detailed Fee Structure

The Airtel Axis Bank Credit Card charges a joining fee of ₹500 plus GST, applicable on the primary card at issuance. The annual fee is ₹500 plus GST from the second year onwards and is waived if the cardholder spends over ₹2 lakh annually, excluding rent and wallet load transactions. Add-on cards have no joining or annual fees.

Interest is charged at 3.75% per month (around 55.5% per annum) on outstanding balances. Late payment fees range from ₹500 to ₹1,200 depending on the unpaid amount. The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement, though cashback is excluded on fuel spends. Additional fees include ₹100 for add-on card replacement, ₹175 for cash payments, while statements and SMS alerts have no charges. Foreign currency transactions attract a 3.5% markup fee. These transparent fees help users fully understand their cost structure.

Who Should Get This Card?

The Airtel Axis Bank Credit Card is best suited for Airtel customers who regularly use Airtel mobile, broadband, WiFi, or DTH services and want to maximize cashback on these spends. It is ideal for users who pay utility bills frequently and shop from partner merchants like Swiggy, Zomato, and BigBasket. This card is also a good fit for individuals looking for affordable annual fees combined with the benefits of complimentary domestic lounge access. Users seeking easy rewards on everyday household expenses and dining will find this card rewarding and convenient.Here is the professional credit card content for Carddhundo on Airtel Axis Bank Credit Card:

Alternatives & Competitor Comparison

Feature	Airtel Axis Bank Credit Card	Hdfc Millenia Card
Card Image
Card Network	RuPay	Mastercard, Visa
USP	The Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel mobile, broadband, and DTH bill payments via the Airtel Thanks app, along with 10% cashback on utility bills and partner merchants like Swiggy, Zomato, and BigBasket. It also provides 1% cashback on all other spends, plus 4 complimentary domestic lounge visits per year, making it ideal for Airtel users who want maximum savings on everyday bills and dining with added travel perks.	The HDFC Millennia Card offers premium cashback rewards on top online merchants, fuel surcharge waivers, and generous domestic lounge access, making it ideal for millennials and savvy online shoppers seeking maximum lifestyle and travel benefits.
Annual Fee	500 plus GST	1000 + Applicable Taxes
Joining Fee	500 plus GST	1000 + Applicable Taxes
Welcome Benefits	Amazon e-voucher worth ₹500 on the first transaction within 30 days of card issuance.	1000 bonus Cashpoints credited on payment of joining fee, redeemable against statement credit or rewards
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months	Domestic: 2 per quarter | International: 2 per quarter On spends of ₹1,00,000+ in the last 3 months
Reward Rate	Earn 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments via Airtel Thanks app (capped at ₹250/month), 10% cashback on utility bills via Airtel Thanks app (capped at ₹250/month), 10% cashback on Swiggy, Zomato, and BigBasket (capped at ₹500/month combined), and 1% unlimited cashback on all other spends including UPI on RuPay variant.	Get 5% cashback on Amazon, Flipkart, Swiggy, Zomato, Uber, and select partners (capped at ₹1,000/month) and 1% cashback on other spends (also capped at ₹1,000/month)
Interest Rate	3.6% per month (52.86% per annum)	Approximately 3.6% per month (43.2% per annum) on revolving credit and cash advances
Best For	Bill Payments, Food Ordering	Online Shopping
Apply Now	Apply Now	Apply Now

Frequently Asked Questions