Airtel Axis Bank Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
25% cashback on Airtel Mobile, Broadband & DTH via Airtel Thanks app (capped at 2x base 1% cashback earned same cycle, revised Apr 2026); 10% cashback on utility bills (capped at 1x base cashback); 10% value-back on Zomato, Blinkit & District Movies as partner-wallet credit (Swiggy & BigBasket 10% tier removed); 1% cashback on other retail
Welcome Bonus
₹500 Amazon gift voucher code on completing your first eligible retail transaction within 30 days of issuance
Lounge
No Lounge Access (Discontinued Apr 2026)
Our Expert Take
Airtel Axis Bank Card is built for Airtel customers first: 25% cashback on Airtel recharges and bills is a genuinely high rate, and the 10% on utilities and food delivery apps extends the value further. Outside Airtel and those specific categories, it drops to a flat 1%, so it's really a card for Airtel-heavy households.
Reward limits
Checked 27 Sep 2026 · Bank terms
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25% on Airtel bills via Airtel Thanks
Max 2x the 1% cashback you earn elsewhere per statement cycle
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10% on other utility bills via Airtel Thanks
Max 1x the 1% cashback you earn elsewhere per statement cycle
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10% value back at Zomato, Blinkit and District Movies (as wallet credit)
Max ₹200 per partner per month
Reached after about ₹2,000 per partner of spend
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1% on other spends
No limit
No rewards on: Utility and telecom spends outside Airtel Thanks, rent, wallet, gift cards, government, insurance, gold/jewellery, fuel, tolls (from 28 Aug 2026), EMI
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 25% cashback on Airtel Mobile, Broadband, Wi-Fi and DTH recharges through the Airtel Thanks app
- 10% value-back on Zomato, Blinkit and District Movies as partner-wallet credit (Swiggy and BigBasket removed, effective Apr 2026)
- Complimentary domestic lounge access discontinued from 12 April 2026
Limitations
- 25% and 10% cashback tiers are now capped relative to your base 1% cashback earned in the same cycle, not a fixed ₹250/month (revised 12 Apr 2026) — low base-category spenders see sharply reduced accelerated cashback
- The 25% rate only applies to payments made through the Airtel Thanks app
Key Perks & Spending Milestones
Flat 25% cash back on Airtel Mobile, DTH, and Broadband bill transactions via Airtel Thanks App (capped at ₹250/month)
Flat 10% cash back on utility electricity, gas, and water bills paid via Airtel Thanks App (capped at ₹250/month)
10% value-back on Zomato, Blinkit and District Movies, credited to the partner's wallet rather than as statement cashback (Swiggy and BigBasket 10% tier withdrawn, effective Apr 2026)
Flat 1% cash back applied universally across all external online and offline everyday card outlays
Complimentary domestic airport lounge access discontinued effective 12 April 2026
Spend milestone
Annual membership renewal fee completely reversed for the subsequent cycle upon reaching ₹2 Lakhs in annual spends
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹2 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- ₹501 to ₹1,000
- ₹500
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
Credit score & income
Good (730+), Salaried minimum monthly income ₹20,000