Great for: Utility Bill Payment | Cashback | Online Shopping
Annual Fee: Rs. 500
| Airtel Axis Bank Credit Card Rating |
| Co-branded Benefits ★★★★★ Cashback ★★★★ Annual Fee ★★★★ Other Features ★★★ |
| 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 | Cashback Rate | Capped at |
| Bill payment for Airtel Mobile, Broadband, Wifi, and DTH via the Airtel Thanks app | 25% | Rs. 300 per month |
| Utility bill payments such as electricity, water, gas via the Airtel Thanks app | 10% | Rs. 300 per month |
| Across preferred merchants- Zomato, Swiggy and BigBasket | 10% | Rs. 500 per month across all merchants |
| Other spends** | 1% | No limit |
**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 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 | 300 | 300 | 0 |
| Mobile Bill | 3,000 | 200 | 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 | 100 | 250 |
| Ola | 2,000 | 20 | 80 | 100 |
| Apparel Purchase | 5,000 | 50 | 100 | 250 |
| Fuel | 5,000 | 0 | 0 | 0 |
| Total | 30,000 | 1,170 | 910 | 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 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:
| Fee Type | Details |
| Joining Fee | Rs. 500 |
| Annual Fee | Rs. 500 |
| Finance Charges | 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.
Other Similar Credit Cards
| Credit Card | Annual Fee | Best Feature |
| ICICI Amazon Pay Credit Card | Nil | Up to 5% cashback on Amazon Spends |
| Cashback SBI Card | Rs. 999 | 5% cashback on all online transactions |
| Axis Bank Ace Credit Card | Rs. 499 | 5% cashback on bill payment, DTH and Mobile recharge; 4% cashback on Swiggy, Ola, Zomato |
| Paytm SBI Credit Card | Rs. 499 | Up to 3% cashback on Paytm mall, movies and travel |
Suggested read: Popular Credit Cards in India 2023
FAQs
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.