Airtel Axis Bank Credit Card
The Airtel Axis Bank Credit Card is a great choice for families using Airtel services, such as prepaid and postpaid mobile connections, broadband, or DTH. The card has a joining and annual fee of ₹500 plus GST, which can be waived if you spend ₹2 lakh in a year. What makes this card special is its unbeatable cashback benefits compared to other cards. With this card, you can enjoy 25% cashback on Airtel recharges and bill payments made through the Airtel Thanks app. Additionally, it offers 10% cashback on utility bill payments and purchases made with select partner merchants. All cashback is automatically credited to your account, making it easy to keep track of your savings.
There are also extra benefits, including complimentary access to airport lounges, a 20% discount at selected restaurants, and a 1% waiver on fuel surcharges. As a welcome gift, cardholders receive an Amazon voucher. You can conveniently apply for this card through the Airtel Thanks app and start enjoying these rewards right away.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
What are the spend categories where no cashback is offered on the Airtel Axis Bank credit card?
Cashback is not applicable for expenses related to non-Airtel utility bills, education, fuel, wallets, jewelry, government payments, insurance, and rent.
How can I contact the Axis Bank credit card customer service department?
Reach Axis Bank credit card customer care by dialing 1860 419 5555.
Is there a minimum spending requirement to qualify for the cashback?
No specific minimum spend is required to get cashback, but there is a cap per statement cycle.
Can I apply for this card through the Airtel showroom or Axis Bank?
You can visit an Axis Bank branch to apply for this card.
How can I get my cashback from the Airtel Axis Bank Credit Card?
Cashback is automatically credited to your statement and reflects as 'cashback credited' three days before the next statement generation.
Can I apply for the Airtel Axis Bank card through my mobile banking application?
Yes, applications are possible via mobile banking apps.
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