|Airtel Axis Bank Credit Card Rating
|Co-branded Benefits ★★★★★
Annual Fee ★★★★
Other Benefits ★★★
|Overall Rating ★★★
Features & Benefits
Welcome Benefits: This credit card offers Amazon e-voucher worth Rs. 500 as a welcome/activation benefit, on the first transaction made within the 30 days of card issuance. The voucher is sent to your registered mobile number within 30 days of meeting the requirement.
Cashback Benefits: You get the following cashback benefits on your Airtel Axis Credit Card:
|Type of Transaction
|Bill payment for Airtel Mobile, Broadband, Wifi, and DTH via the Airtel Thanks app
|Rs. 300 per month
|Utility bill payments such as electricity, water, gas via the Airtel Thanks app
|Rs. 300 per month
|Across preferred merchants- Zomato, Swiggy and BigBasket
|Rs. 500 per month across all merchants
**Fuel spends, EMI transactions, purchases converted to EMI, payment of outstanding balance, transactions for wallet loading, purchase of jewelry, rental payments, cash advances and payment of card related fee & charges. Click here to know about the other terms and conditions related to cashback on this credit card.
Suggested Read: Top Cashback Credit Cards in India
Airport Lounge Access: With the Axis Bank Airtel Credit Card, you can avail 4 complimentary lounge visits per calendar year (limited to one per quarter) at select domestic airports in India. However, note that in order to use the participating lounge, you need to validate the card at the point of entry. For this, a nominal fee of Rs. 2 is charged for Visa.
Other Benefits: Some other benefits offered by this co-branded credit card are:
- 1% fuel surcharge waiver at all fuel stations across India, applicable on transaction between Rs. 400 to Rs. 4,000. Note that, you can avail maximum benefit of up to Rs. 500 per statement cycle
- The card offers benefits around dining, with up to 20% off at 4000+ partner restaurants in India
- You can convert purchases above Rs. 2,500 into easy EMIs
Should you Get this Credit Card?
Offering the maximum cashback on spends made via Airtel Thanks App, this credit card is best for those who are already in the Airtel ecosystem or are planning to come on board. Moreover, the card also rewards its users for utility bill payments. Since most credit cards keep utility bills in the excluded category, this card is a good option for those looking to save on their utility spends.
|Axis Ace is another credit card by Axis Bank that offers cashback on utility bill payments (made via Google Pay). So, if you are not an Airtel customer but wish to earn cashback on utilities as well as other spends, Axis Ace would be a better choice for you.
However, cashback on Airtel Axis Bank credit card comes with monthly capping so you would only be able to maximize benefits on limited spends every month, as shown below:
- Airtel Bills- 1,200 per month
- Utility Bill Payment– Rs. 3,000 per month
- Preferred Merchants– Rs. 5,000 per month
The above calculation is done on the basis of cashback rate and the maximum capping. For example, for Airtel Bills you get 25% cashback but only up to Rs. 300 per month. This means you can avail this benefit on a transaction value of Rs. 1,200 only.
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Value-back Comparison: Airtel Axis Vs. Axis Ace Vs. Cashback SBI Card
To understand this better, let us compare Airtel Axis Bank Credit Card (with monthly capping) with Axis Ace (with no monthly capping). To get a clear comparative view, we have also added Cashback SBI Card, which comes with a high general cashback rate but no benefits on utility bill payments.
|Transaction Value (in Rs.)
|Airtel Axis Bank Credit Card (in Rs.)
|Axis Ace Credit Card (in Rs.)
|Cashback SBI Card (in Rs.)
*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 transactions like mobile bills and utility bills, a capping of Rs. 300 per month is too low, since these transactions are usually high value.
You can make the most of Airtel Axis Bank Credit Card if you use it for your spends on the Airtel Thanks app and put rest of the expenses on a card that gives a higher value back across other categories without any capping.
Suggested read: Top Credit Cards for Online Shopping
Fees and Charges
Fee and charges associated with Airtel Axis Credit Card are listed as follows:
|3.6% per month| 52.86% per month
|Late Payment Fee
|For Outstanding Amount:
Click here to know other fees and charges associated with this credit card.
Eligibility and Documentation
Note that, Airtel Axis Bank Credit Card can be availed exclusively via the Airtel Thanks App. However, the basic criteria to avail this credit card is:
- You need to be 18 to 70 years of age to be the primary cardholder
- You should be a resident of India
Click here to know the list of acceptable documents for this credit card. Please note, that the documents required may vary on a case to case basis.
Cards Similar to Airtel Axis Bank Credit Card
Axis Ace Credit Card
Joining fee: ₹499
Annual/Renewal Fee: ₹499
5% cashback on utility bill payments and recharges via Google Pay
4% cashback on Swiggy, Zomato and Ola
- 5% cashback on utility bill payments, DTH and mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato and Ola
- 2% cashback on all other spends
- 4 complimentary domestic lounge visits in a year
- Up to 20% off at 4,000+ participating restaurants
Amazon Pay ICICI Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
Up to 5% cashback on Amazon purchases
1% cashback across all offline spends
- 5% cashback on Amazon spends for Prime members
- 3% cashback on Amazon spends for non-Prime members
- 2% cashback on spends at Amazon Pay partner merchants
- 1% cashback on other spends
- 1% waiver on fuel surcharge across all petrol pumps in India
Standard Chartered Platinum Rewards Credit Card
Joining fee: ₹250
Annual/Renewal Fee: ₹250
5X reward points on dining & fuel spends
100% cashback on your first transaction at restaurants
- 5X rewards on dining and fuel spends
- Joining fee waiver on spending Rs. 500 or more within 30 days of card issuance
- Dial-a-loan facility, for a loan of up to Rs. 5 Lakh for a tenure of 12 to 60 months
What is the minimum expenditure criteria to earn cashback on Airtel Axis 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. Click here to know more.
How to redeem the welcome voucher earned via Airtel Credit Card?
To redeem the Amazon gift voucher worth Rs. 500, earned as a welcome benefit on this credit card, you need to follow these steps. (i) Go to www.amazon.in/addgiftcard (ii) Enter the gift card or voucher code in the required field (iii) 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.
How do I receive the cashback earned via Axis Bank Airtel Credit Card?
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.