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Cashback
1st Year Fee: ₹ 0
Cashback
Up to 25% cashback on Airtel Thanks App
Dining Benefits
10% cashback on Zomato spends
Fee Waiver
Annual fee waived on Rs. 2 lakh annual spends
Save up to 25% on Bill Payments & More
Get your Airtel Axis Bank Credit Card now!
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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 offerbenefits to Airtel customers in the form of cashback on mobile recharges, broadband, DTH, utility bill payment, etc. through the Airtel Thanks App. Cardholders can earn 25% cashback on Airtel bill payments and 10% cashback on other utility bill payments via the Airtel Thanks app. However, the benefits are not limited to this app. Cardholders can also earn 10% value-back on select everyday brands like Zomato, Blinkit, and District Movies. Besides this, the card offers a base cashback of 1%.
However, effective 12 April, one important thing to note is that the accelerated cashback is capped based on spends in the base cashback category. The cashback for 25% category is capped at 2X of the base category spends in the same month, while the cashback for 10% category is capped at the same amount as the base category spends in that month. Besides this, 10% value-back on partner merchants is offered via partner wallet and not as direct cashback. Consumers who frequently spend on these brands can still maximize the value from it. However, consumers need to spend more on the base cashback category to maximize benefit from the accelerated cashback, which may not be suitable for everyone.
Also, earlier the card used to offer complimentary lounge access, but effective 12 April, this benefit has been discontinued, which might impact the card’s overall value. Read on to know more about this co-branded credit card.
Click here to view the latest changes to the features and benefits of the Airtel Axis Bank Credit Card, effective 12 April 2026.
Suggest Read: Best Credit Cards for Utility Bill Payments 2026
1st Year Free – Limited Period Offer
No joining fee charged for new-to-bank customers (existing Axis Bank customers are not eligible). Also note that the Amazon voucher as welcome benefit will not be given to those availing this offer.
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 (Nil under limited time offer for new-to-bank customers) | ||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Fee |
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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, Blinkit and District Movies
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, Blinkit and Distrcit Movies.
Everything you need to know about this credit card
To redeem the Amazon gift voucher worth Rs. 250, 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 offered on Airtel and other bill payments 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. However, the value-back offered on Zomato, Blinkit, and District Movies will be credited to the respective partner’s wallet.
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.
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.
