If you are not an Airtel Customer but need a credit card that helps you save on utility bill payments, Axis Ace could be a strong alternative. Using Axis Ace, you can get 5% cashback on bill payments made through Google Pay, along with 1.5% cashback across all other spends.
Axis Bank
Airtel Axis Bank Credit Card
Cashback
1st Year Fee: ₹500* Plus Applicable Taxes
Entry-level
Low annual fee of Rs. 500 only
Cashback
Up to 25% cashback on Airtel Thanks App
Dining Benefits
10% cashback on Zomato & Swiggy
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About Airtel Axis Bank Credit Card
Airtel Axis Bank Credit Card is one of the few credit cards in India offering substantial savings on utility spends. Being a co-branded card, it is designed to offer benefits to Airtel customers in the form of cashback on mobile recharges, broadband, DTH, utility bill payment, etc. through the Airtel Thanks App. However, the benefits are not limited to this app. Cardholders also get accelerated cashback on some everyday brands like Swiggy, Zomato and Big Basket.
In addition to direct value-back, the card also offers complimentary airport lounge access, dining discounts, etc., which makes it a worthy competitor to popular cashback cards like Amazon Pay ICICI Credit Card and Cashback SBI Card. At an affordable annual fee of Rs. 500, this card is a good choice for those who are part of the Airtel ecosystem. Read on to know more about this co-branded credit card.
Airtel Axis Credit Card: Cashback Structure
- 25% cashback: On bill payment for Airtel Mobile, Broadband, Wifi, and DTH via the Airtel Thanks app* (Capped at Rs. 250 per month)1
- 10% cashback: On utility bill payments such as electricity, water, gas via the Airtel Thanks app (Capped at Rs. 250 per month)
- 10% cashback: Across preferred merchants- Zomato, Swiggy and BigBasket (Capped at Rs. 500 per month across all merchants)
- 1% cashback: On other eligible spends (No capping)2
Suggest Read: Best Credit Cards for Utility Bill Payments 2025
Other Features & Benefits
- Welcome Benefits: Amazon e-voucher worth Rs. 500 as activation benefit on making the first transaction within 30 days of card issuance3
- Lounge Access: 4 complimentary domestic lounge visits per year at select airports in India on spending Rs. 50,000 during the previous 3 months4
- Fuel Surcharge: 1% fuel surcharge waiver, up to Rs. 500 per statement cycle, at all fuel stations across India, applicable on fuel spends between Rs. 400 to Rs. 4,000
- Dining: Up to 20% dining discount at 4000+ partner restaurants in India
- EMI Benefit: Convert purchases above Rs. 2,500 into EMIs and pay off the balance in easy installments
Fees & Charges
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Fee |
|
Value-back Comparison: Airtel Axis Vs. Axis Ace Vs. Cashback SBI Card
| Transaction Type | Transaction Value (in Rs.) | Airtel Axis Bank Credit Card (in Rs.) | Axis Ace Credit Card (in Rs.) | Cashback SBI Card (in Rs.) |
|---|---|---|---|---|
| Electricity Bill | 6,000 | 250 | 300 | 0 |
| Mobile Bill | 3,000 | 150 | 150 | 0 |
| DTH Bill | 1,000 | 100 | 50 | 0 |
| Water Bill | 1,000 | 0 | 50 | 0 |
| Zomato | 2,000 | 200 | 80 | 100 |
| Bigbasket | 5,000 | 300 | 75 | 250 |
| Ola | 2,000 | 20 | 80 | 100 |
| Apparel Purchase | 5,000 | 50 | 75 | 250 |
| Fuel | 5,000 | 0 | 0 | 0 |
| Total | 30,000 | 1,070 | 860 | 700 |
*In the above example, we have assumed that the utility bill payments are made via the co-branded platform. In case of Airtel Axis Card, it will be Airtel Thanks app and in case of Axis Ace, it would be Google Pay.
For recurring high-value transactions like utility bills, a capping of Rs. 250 per month for Airtel Axis cardholders seems too low. However, the card still offers a considerable value-back when compared to other similar credit cards. To make the most of Airtel Axis Bank Credit Card, use it for your Airtel spends and route the rest of the expenses through a card that gives higher value-back across other categories without any capping.
Things to Know Before you apply
Get this card if:
You are an Airtel Customer and make bill payments, recharges, etc. via the Airtel Thanks App
You want a low annual fee card that offers value-back on utility bill payment
You frequently spend on Zomato, Swiggy and BigBasket
You do not want savings benefits on other categories like travel, dining, etc.
Other Similar Cards:
Axis Bank ACE Credit Card
HDFC UPI Rupay Credit Card
Amazon Pay ICICI Credit Card
Paisabazaar Review
What do we like about this card?
Since most credit cards keep utility bills in the excluded category, Airtel Axis Bank Credit Card can be a good option for those looking to save on utilities. Additionally, beyond co-branded spends on Airtel, it offers exclusive benefits on some popular everyday brands like Zomato, Swiggy, and BigBasket.
Pros
- Up to 25% cashback
- No capping on base cashback
- Welcome benefit worth the joining fee
- Benefits on everyday brands: Zomato, Swiggy and BigBasket
Cons
- Bill payment benefits are limited to Airtel Thanks App
- Monthly capping on all accelerated cashback category
- Lounge access is spend-based
Conclusion
Offering maximum cashback on spends made via the Airtel Thanks App, this credit card is best suited for those who are already in the Airtel ecosystem or are planning to come on board. However, cashback on the Airtel Axis Bank credit card comes with monthly capping. So, you would only be able to maximize benefits on limited spends every month. For example, for Airtel Bills, you get 25% cashback but only up to Rs. 250 per month. This means you can avail this benefit on a monthly transaction value of Rs. 1,000 only. Despite the capping, Airtel customers who spend a considerable amount through the Airtel Thanks platform can maximize value.
Frequently Asked Questions
Everything you need to know about this credit card
To earn cashback, there is no minimum expenditure requirement on Airtel Axis Bank Credit Card. However, the maximum cashback you can earn per statement cycle is capped at certain limits across different spends. The 25% cashback via the Airtel Thanks app is capped at Rs. 250 per month, 10% cashback on utility bill payments is capped at Rs. 250 per month and 10% cashback on Zomato, Swiggy and BigBasket is capped at Rs. 500 per month across all merchants.
To redeem the Amazon gift voucher worth Rs. 500, earned as a welcome benefit on this credit card, you need to follow these steps. Go to www.amazon.in/addgiftcard. Enter the gift card or voucher code in the required field. Click on ‘Add to your balance’. Note that, you can redeem the welcome benefit only when you have an amazon account. In case you do not have one, you need to first create a new Amazon account and then proceed with redemption.
The cashback amount earned via transaction made with this card will be auto-credited to your monthly statement. It will be reflected in the next month’s credit card statement as ‘cashback credited’ and adjusted against the next month’s bill. It will be credited to your next billing cycle within three days before the next statement generation.
Finance charge on the Airtel Axis Bank Credit Card is 3.75% per month i.e. 55.55% per annum.
Yes, you can avail the annual fee waiver of Rs. 500 on the card on completing the annual spends of Rs. 2 Lakh in the previous year.
Footnotes
- Selected payments like hardware cost, installation charges, advance recharge or bill payment amounts made for new or inactive connections will not be eligible for the cashback.
- Other exclusions from cashback program: Utility bills paid via any other platform except Airtel Thanks app and spends made on fuel, EMI transactions, purchases converted to EMI, outstanding balance, wallet loading, jewellery, rent, govt. services, insurance, education, cash advances and card-related fee & charges.
- The welcome voucher is sent to your registered mobile number within 30 days of meeting the requirement.
- In case of a newly issued card (not for card upgrades), the minimum spend criteria is waived for the month of card issuance and for the next 3 months as well.
- 1% transaction fee applies to education payments via third-party apps, rent payments, and spends exceeding monthly limits on wallet loads (Rs. 10,000), fuel (Rs. 50,000), utilities (Rs. 25,000), and gaming (Rs. 10,000).
- An additional fee of Rs. 100 will be charged per cycle if the Minimum Amount Due (MAD) is not cleared for two consecutive billing cycles.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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