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.
Airtel Axis Bank Credit Card: Benefits, Cashback, and Features
The Airtel Axis Bank Credit Card is one of the most rewarding cards for people who regularly use Airtel services. It offers cashback on Airtel mobile, DTH, broadband, and WiFi payments, as well as on partner platforms like Swiggy, Big Basket, and Zomato. Along with cashback, the card provides lifestyle and travel benefits, making it a versatile choice for everyday and premium spending.
Welcome Gift
New cardholders are eligible for a ₹500 Amazon gift voucher. This welcome offer is activated when the first transaction is made within 30 days of card issuance. It is a simple way to start enjoying rewards from the moment you get the card.
Cashback on Airtel Payments
Get up to 25% cashback on Airtel mobile, DTH, broadband, and WiFi recharges through the Airtel Thanks app. The cashback is capped at ₹250 per month and is applicable only on active Airtel connections. Payments for new or inactive connections, hardware charges, installation fees, and advance recharges are not eligible for cashback.
Partner Merchant Cashback
Earn 10% cashback on platforms such as Swiggy, Big Basket, and Zomato, capped at ₹500 per month across all partners. This makes it ideal for everyday online and offline shopping.
Utility Bill Cashback
Pay utility bills through the Airtel Thanks app and get 10% cashback, up to ₹250 per month. This includes electricity, water, and other essential utility services.
Cashback on Other Spending
All other retail purchases earn 1% unlimited cashback. For RuPay cardholders, this cashback also applies to UPI transactions.
- Cashback Exclusions: Fuel purchases, EMI payments, Rent, Government services, Insurance payments, Education fees, Credit card fees, Wallet top-ups, Jewelry purchases, Cash advances.
- Cashback Credit Timeline: Cashback earned during a billing cycle is credited in the next billing cycle, three days before the statement date. It is calculated after adjusting any refunds or returns in the same period.
Dining Discounts
Enjoy 15% discount (up to ₹500) at more than 4,000 restaurants across India under the Axis Bank Dining Delights Program. A minimum spend of ₹2,500 applies. This makes dining out more enjoyable and cost-effective.
Domestic Airport Lounge Access
For frequent travelers, the card offers four complimentary domestic airport lounge visits per year. To access this benefit, you need to spend ₹50,000 in the previous quarter. It’s a convenient way to relax before your flight without additional charges.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, up to ₹500 per month. This makes it suitable for cardholders who drive regularly and want to save on fuel costs.
Annual Fee Waiver
The Airtel Axis Bank Credit Card has an annual fee of ₹500. However, this fee is waived from the second year onwards if annual spending exceeds ₹2 lakh, excluding rent and wallet top-ups. This makes it a cost-effective credit card for regular users.
Airtel Axis Bank Credit Card Eligibility
- Age between 18 and 70 years
- Stable source of income
- Indian resident
How to Apply
- Visit the Axis Bank website and click Apply Now
- Fill in your basic personal details
- Complete KYC verification and upload documents
- Submit your application for approval
Airtel Axis Bank Credit Card Review
The Airtel Axis Bank Credit Card is an excellent option for Airtel users who want to maximize savings on their monthly payments. The card offers up to 25% cashback on Airtel services, along with cashback on partner platforms like Swiggy, Zomato, and Big Basket, allowing you to earn up to ₹500 per month.
Additional perks include a welcome Amazon voucher, dining discounts, fuel surcharge waiver, and complimentary airport lounge access, making it a card that suits both everyday and premium lifestyle spending. With a low annual fee of ₹590, the Airtel Axis Bank Credit Card combines cashback, travel, and lifestyle benefits, making it a highly rewarding choice for frequent Airtel users and online shoppers alike.
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?
You can contact Axis Bank credit card customer care by calling 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 cashback from the Airtel Axis Bank Credit Card?
Your cashback is added to your account automatically and shows up as ‘cashback credited’ three days before your next statement is generated.
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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