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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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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.
Suggest Read: Best Credit Cards for Utility Bill Payments 2025
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.
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Fee |
|
| 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.
Also Read: Airtel Axis vs Axis ACE Credit Card Comparison | Get the Right Credit Card
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.
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.
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.
Everything you need to know about this credit card
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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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