Airtel Axis Bank Credit Card
Fees
₹500 + Taxes
Joining & AnnualReward Rate
25% on Airtel bills; 10% on utility apps; 10% on Swiggy/Zomato/BigBasket; 1% other retail
Welcome Bonus
₹500 Amazon gift voucher code on completing your first eligible retail transaction within 30 days of issuance
Lounge Access
4 Domestic/yr
FindMyCard 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.
Pros & Cons
Key Advantages
- 25% cashback on Airtel Mobile, Broadband, Wi-Fi and DTH recharges through the Airtel Thanks app
- 10% cashback on electricity, gas and water bills, plus Swiggy, Zomato and BigBasket
- 4 complimentary domestic lounge visits per year across India
Limitations
- Cashback is capped monthly per category
- The 25% rate only applies to payments made through the Airtel Thanks app
Editorial Verdict
The Airtel Axis Bank Credit Card is ideally suited for airtel subscribers, monthly utility billers, and high-yield app spenders. If you want 25% on airtel bills; 10% on utility apps; 10% on swiggy/zomato/bigbasket; 1% other retail, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+), Salaried minimum monthly income ₹20,000 credit to be approved.
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)
Flat 10% cash back on food delivery and grocery spends across Swiggy, Zomato, and BigBasket (capped at ₹500/month)
Flat 1% cash back applied universally across all external online and offline everyday card outlays
4 complimentary domestic airport lounge visits per year within India (1 per calendar quarter)
🚀 Milestone Spends Timeline
Annual membership renewal fee completely reversed for the subsequent cycle upon reaching ₹2 Lakhs in annual spends
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 Annual fee waived on ₹2 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |