Airtel Axis Bank Credit Card

The Airtel Axis Bank Credit Card is a co-branded contactless credit card designed exclusively for Airtel customers, offering seamless integration with the Airtel Thanks app. This card combines the banking expertise of Axis Bank with Airtel’s extensive digital ecosystem, providing cardholders with an exceptional cashback experience on telecom services, utility payments, and everyday spending. Launched through a strategic partnership between Axis Bank and Bharti Airtel, this card delivers industry-leading benefits including 25% cashback on Airtel bill payments, 10% cashback on utility bills, and a welcome bonus of Amazon eVoucher worth ₹500. With complimentary airport lounge access, fuel surcharge waiver, and dining privileges, the Airtel Axis Bank Credit Card is tailored for Airtel customers who want to maximize value on their regular expenses.

Airtel Axis Bank Credit Card

Joining Fees	500
Annual Fees
Card Type	Cashback
Network Type	Rupay

Rewards & Benifits

Rewards & Benefits

25% Cashback: On Airtel mobile, broadband, WiFi, and DTH bill payments via Airtel Thanks app (capped at ₹250 per statement cycle)
10% Cashback: On utility bill payments (gas, electricity, etc.) via Airtel Thanks app (capped at ₹250 per statement cycle)
Amazon eVoucher: Worth ₹500 on first transaction made within 30 days of card issuance
Complimentary Lounge Access: 4 domestic airport lounge visits per calendar year (on minimum spends of ₹50,000 in previous 3 months)
Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 to ₹4,000 (maximum benefit up to ₹500 per statement)
Dining Delights Program: Access to Axis Bank Dining Delights for exceptional dining experiences at top restaurants across India

Fees & Charges

Joining Fee: ₹500
Annual Fee: ₹500 (Waived on spends of ₹2,00,000 in the preceding year)
Interest Rate: 3.75% per month (45% per annum)
Cash Advance Fee: 2.5% of cash amount (Minimum ₹500)
Foreign Transaction Fee: 3.5% of transaction amount
Dynamic Currency Conversion Markup: 1.5% of transaction amount
Rent Transaction Fee: 1% of each rental transaction amount
Late Payment Charges: Nil up to ₹500; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Over-limit Fee: 2.5% of over-limit amount (Minimum ₹500)
Cheque Return/Dishonour Fee: 2% of payment amount (Minimum ₹500)
Cash Payment at Branches: ₹175
Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle
Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle
Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle
Education Transaction Fee: 1% on education payments made via third-party apps
GST Exclusion Note: All fees are exclusive of applicable GST

Card Details

Product Details

Card Network: Mastercard
Card Category: Partnership Credit Card
Interest-Free Grace Period: 20 to 50 days depending on transaction date
Cash Withdrawal Limit: 30% of assigned credit limit
Minimum Amount Due (MAD): 100% of interest/finance charges, fees, loans, taxes + 2% of purchases/cash withdrawals
Billing Cycle: Monthly statement generation
Availability: Exclusively available for Airtel customers through the Airtel Thanks app
Cashback Condition: Cashback applicable only on active Airtel connections (not valid for new or inactive connections)

Pros & Cons

Pros

High Cashback: Excellent 25% cashback on Airtel services for regular Airtel users
Utility Cashback: 10% cashback on utility payments via Airtel Thanks app
Welcome Benefit: ₹500 Amazon voucher as welcome benefit
Lounge Access: 4 complimentary domestic lounge visits annually
Fuel Benefit: Fuel surcharge waiver up to ₹500 per statement
Fee Waiver: Annual fee waiver available on spending ₹2 lakh
Easy Application: Seamless digital application via Airtel Thanks app

Cons

Low Caps: Cashback caps at ₹250 per statement cycle for both Airtel and utility payments
Lounge Condition: Lounge access requires minimum ₹50,000 spend in previous 3 months
High Forex Fee: High foreign transaction fee of 3.5%
Platform Restriction: No cashback on utility spends outside Airtel Thanks app
Limited User Base: Not suitable for non-Airtel customers
Limited Rewards: Limited reward earning outside Airtel ecosystem

ELIGIBILITY CRITERIA

Age: Primary cardholder should be between the age of 18 and 70 years.

Income: Not specified on the official page.

Employment: Not specified on the official page.

Credit Score: Not specified on the official page.

Nationality: The individual should be a resident of India.

Other Requirements: Exclusively available for eligible Airtel customers. Application can be made through the Airtel Thanks app.

Documents Required: Copy of PAN card or Form 60, residence proof, identity proof, a color photograph, and proof of income in the form of latest payslip/Form 16/IT return copy. Please note this list is indicative and documents required may vary on a case-to-case basis.

Note: These criteria are only indicative and the bank reserves the ultimate right to approve or decline applications for the Airtel Axis Bank Credit Card.

WELCOME BENEFITS

New cardholders will receive an Amazon eVoucher worth ₹500 on making their first transaction within the first 30 days of card issuance. This is a one-time welcome benefit designed to provide immediate value to new cardholders upon activation and first use of the card.

CARD REVIEW

The Airtel Axis Bank Credit Card is best suited for existing Airtel customers who regularly pay bills for mobile, DTH, broadband, or WiFi services and utility bills through the Airtel Thanks app. With 25% cashback on Airtel services and 10% on utilities, the card offers exceptional value for Airtel’s ecosystem users. The ₹500 joining and annual fees are reasonable, and the fee waiver threshold of ₹2,00,000 is achievable for regular users. The welcome benefit and dining privileges add to its appeal. However, the card’s exclusivity to Airtel customers, capped cashback limits (₹250 per category per month), and the requirement to use Airtel Thanks app for maximum benefits may limit its versatility. The introduction of multiple surcharge fees from December 2024 on various transaction categories is a notable drawback. Overall, it’s an excellent choice for active Airtel users but less attractive for those outside the Airtel ecosystem.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Airtel Axis Bank Credit Card