The Airtel Axis Bank Credit Card is designed by Axis Bank in partnership with Airtel, this card helps you turn your everyday spending into smart savings. Whether you’re paying bills, recharging your phone, ordering meals, or buying groceries, this card rewards you with up to 25% cashback, making it an excellent choice for frequent Airtel users and online buyers.
The biggest feature is, no doubt, the 25% cashback on Airtel services such as postpaid mobile bills, broadband, Wi-Fi, and DTH if you pay using the Airtel Thanks app. You also earn 10% cashback on utility bills (electricity, gas) and on spends at Swiggy, Zomato, and BigBasket. And there’s 1% cashback on all your other spends, so every transaction matters! On top of that, the card provides 4 free domestic airport lounge visits per year and up to 15% discount at partner restaurants in India. Regular drivers will love the 1% fuel surcharge waiver, saving them even more.
Table of Contents
Reward Points And Redemptions
- The Airtel Axis Bank Credit Card does away with complexity by providing simple cashback, rather than the conventional reward points. This means all the cashback you get is directly offset in your subsequent credit card bill no additional steps, no complex conversions.
- 25% cashback on Airtel payments this covers postpaid mobile bills, broadband, DTH, and Wi-Fi recharges done via the Airtel Thanks app. You can save ₹250 per month or ₹3,000 per year. 10% cashback on electricity, gas bills, as well as spends on Swiggy, Zomato, and BigBasket. You can save till ₹500 per month in these categories combined, amounting to ₹6,000 per year.
Airtel Axis Bank Credit Card Benefits
- This Credit Card is an intelligent option for anyone who wishes to cut down on their daily expenses. The major advantage of the card is the 25% cash back you receive on all your Airtel bills, your mobile postpaid bill, broadband, DTH, or Wi-Fi recharge. As long as you pay using the Airtel Thanks app, you can accumulate up to ₹250 per month, which is a total of ₹3,000 saved annually. This is a great choice for frequent Airtel customers.
- But the good news doesn’t end here. You also receive 10% cashback on your electricity and gas bills and even when you order groceries or food from Swiggy, Zomato, and BigBasket. This cashback also gets credited while you pay through the Airtel Thanks app. You can save up to ₹500 per month in these categories, which amounts to ₹6,000 in a year. It’s an easy way to reduce your monthly spends on essentials and lifestyle spends.
- For all your other purchases, the card provides 1% cashback and there’s no limit to this. Be it shopping online, purchasing tickets, or paying for services, you keep earning cashback on all your spends.
- On top of all this, the card provides you with 4 free domestic airport lounge visits per year. If you fly frequently, this is a wonderful benefit to indulge in a bit of extra comfort at airports. You also receive up to 15% discount when you eat at participating partner restaurants through Axis Bank’s Dining Delights program.
- For frequent drivers, there is the added advantage of a 1% fuel surcharge exemption on fuel pumps at petrol stations throughout India. You save more whenever you fill up.
- New card members get a ₹500 cashback as a welcome bonus when they complete their first transaction of ₹2,000 in the first 30 days of acquiring the card. Given the card’s annual fee is ₹500, this is an easy choice to start with.
- The ₹500 annual fee is also exempted if you spend ₹2 lakh or more in a year, making this card even more useful for frequent spenders. Getting the card is easy and fast through the Airtel Thanks app, and paying for it is just as convenient through Axis Bank’s app or internet banking.
Fees and Charges
- The Airtel Axis Bank Credit Card has easy and low-cost fees. There is a joining fee of ₹500 plus GST, but you receive it back through a ₹500 cashback when you spend your first ₹2,000 within 30 days. The annual fee is ₹500 plus GST, and if you spend ₹2 lakh or more in a year, the fee is waived from the following year, so it’s easy to save more in the long run.
- If you continue any outstanding balance, interest is charged at 3.6% every month (or 52.86% per annum), so it’s wise to pay your dues in time. You can be charged anything from ₹500 to ₹1,200 for late payments, depending on the amount due. For cash withdrawals, a charge of 2.5% is levied, with a minimum charge of ₹500. If you do any international transactions, a foreign currency markup fee of 3.5% is charged.
Airtel Axis Bank Credit Card Eligibility Criteria
- It is very easy to get the Airtel Axis Bank Credit Card, but there are some simple eligibility criteria you must fulfill. To start with, the main cardholder must be between 18 and 70 years old. This makes the card available to a broad age range, whether you’re beginning your financial life or seeking additional rewards on your day-to-day expenses.
- The card is currently available only to Indian residents, so applicants must be citizens of India. Along with this, Axis Bank considers your credit score and financial history, so having a good credit score will improve your chances of approval.
- When you apply, you will have to submit some basic documents. These are identity proof (such as Aadhaar card or PAN card), address proof, and income proof like your recent salary slip or bank statement. These documents enable the bank to check your profile and ascertain your creditworthiness.
Effective Use Of Airtel Thanks App
The Airtel Thanks App is instrumental in assisting you in getting the best out of your Airtel Axis Bank Credit Card. If you use the app for bill payments and recharges, you can get up to 25% cashback on Airtel services such as postpaid bills, Wi-Fi, DTH, and broadband. Also, when you pay utility bills for services such as gas and electricity using the app, you receive 10% cashback. It’s also the perfect location to shop with partner brands Swiggy, Zomato, and BigBasket, where you get 10% cashback on your spends. Using the app often means you will unlock maximum rewards, monitor your cashback, and manage your card easily at one location.
Example Case Study
Jagadish is a responsible spender and makes extensive use of his Airtel Axis Bank Credit Card for the majority of his yearly expenses. He spends approximately ₹1.5 lakh throughout the year on various categories like bill payments, grocery shopping, dining, and online purchases. By paying through the Airtel Thanks App and on partner platforms, Jagadish makes sure that he get the best possible cashback on his spends. Let’s check in more detail how he profits from his card and how much he saves yearly.
| Category | Annual Spend (₹) | Cashback % | Cashback Earned (₹) |
|---|---|---|---|
| Airtel Services (Postpaid, DTH, Wi-Fi) | 12,000 | 25% | 3,000 |
| Utility Bill Payments (Electricity, Gas, etc.) | 24,000 | 10% | 2,400 |
| Swiggy, Zomato, BigBasket | 18,000 | 10% | 1,800 |
| Other Spends (Groceries, Shopping, etc.) | 96,000 | 1% | 960 |
| Welcome Benefit | – | – | 500 |
| Fuel Surcharge Waiver (Estimated) | – | – | 500 |
| Total Annual Cashback & Savings | 1,50,000 | – | ₹9,160 |
Airtel Axis Bank Credit Card Review
Airtel Axis Bank Credit Card is a good option for those who regularly use Airtel services such as postpaid mobile, broadband, DTH, and Wi-Fi. If you regularly pay bills for your utilities, order from Swiggy, Zomato, or BigBasket, and like cashback better than reward points, this card is of great value. It’s best for those who like to pay using the Airtel Thanks App since this is where you can get the most out of the 25% and 10% cashback rewards. The low annual fee of ₹500, which can be waived off with higher annual spends, makes it easy to keep and convenient to use. Additionally, with features such as complimentary airport lounge access and fuel surcharge exemptions, it’s ideal for individuals who fly from time to time and seek to save on fuel charges.
Reddit Community User Experiences
Top 10 Commonly Asked Questions (FAQs)
- What is Axis Bank Airtel Credit Card ? – It’s a co-branded credit card of Airtel and Axis Bank that provides cashback on Airtel services, utility bills, and online shopping websites like Swiggy, Zomato, and BigBasket.
- How much cashback do I get with this card? – You get a maximum of 25% cashback on Airtel services (postpaid, Wi-Fi, DTH) and 10% cashback on utility bills, Swiggy, Zomato, and BigBasket. All other spends provide 1% cashback.
- Is there any cashback limit in a month? – Yes, cashback is limited to ₹300 in a month on Airtel services and ₹500 in a month on other eligible categories such as utility payments and online spends.
- What is the annual fee for the Airtel Axis Bank Credit Card? – Yearly fee is ₹500. This is exempted if you spend ₹2 lakh and above in a year.
- How do I apply for this credit card? – You can apply directly on the Airtel Thanks app by going to the credit card option in ‘Shop’ or on Axis Bank’s website.
- Is there lounge access on this card? – Yes, you enjoy 4 free domestic airport lounge visits annually, adding to your travel experience.
- Who can apply for the Airtel Axis Bank Credit Card? – Applicants must be Indian citizens aged between 18 and 70 years with valid KYC documents and a regular income.
- Do I have to be an Airtel customer to apply? – No, but being an Airtel customer allows you to avail maximum cashback rewards for Airtel payments and services.
- How do I redeem my cashback? – Cashback gets credited automatically to your card account and is shown in your statement, lowering your outstanding bill amount.
- Is the Airtel Thanks App required to get maximum benefits? – Yes, all high cashback offers (25% and 10%) are applicable if payments are made using the Airtel Thanks App.
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