Axis Bank Airtel Credit Card
Best cashback card for Airtel services, utility bills & food delivery apps
Network: Rupay, Mastercard, Visa | Type: Cashback and First | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
- Waiver: Waived on ₹2,00,000 annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver on ₹400–₹4,000 transactions (max ₹500/month)
- Redemption Fee: None
- Late Payment Fee: ₹400 to ₹1,200 depending on bill amount
- Interest Rate: 3.6% per month (~43.2% APR)
- Cash Advance: 2.5% or ₹500 minimum
Credofly Review
Perfect fit for bill payers and food/grocery app users who want no-frills cashback. Value is visible from month one.
Rewards & Earnings
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25% cashback on Airtel mobile, broadband, DTH (₹250/month cap)
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10% cashback on utility bill payments via Airtel Thanks App (₹250/month cap)
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10% cashback on Swiggy, Zomato, BigBasket (₹500/month combined cap)
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1% cashback on all other spends (no cap)
Cashback is auto-applied as statement credit before bill generation. No redemption portal needed.
Benefits
- Welcome:
₹500 Amazon voucher on 1st transaction within 30 days
- Milestone:
Annual fee waived on ₹2L spend in a card anniversary year
- Renewal:
None (only milestone waiver available)
- Lifestyle:
lounge domestic, dining benefits
Why We Like It
High, instant-value cashback with minimal effort. Great for Airtel ecosystem users and online spenders.
Pros & Cons
✅ Pros
25% cashback on Airtel spends
10% cashback on utilities & food delivery apps
₹500 Amazon voucher + lounge access (on ₹50K quarterly spend)
❌ Cons
Cashback works only via Airtel Thanks App
Cashback is capped per category
No international lounge or travel rewards
Eligibility & Application
Eligibility:
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Age: 21–60
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Income: ₹25,000+/month
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CIBIL Score: 700+
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Nationality: Indian resident
How to Apply:
Apply via Airtel Thanks App → PAN + Aadhaar → eKYC → Instant virtual card → Physical card in 5–7 days
FAQs
Is cashback credited automatically?
Yes, as a statement credit before your billing date.
Do I need to redeem cashback manually?
No, it’s auto-applied — no extra steps needed.
Will I get cashback on wallet or rent spends?
No, these are excluded per Axis Bank’s terms.
Is Airtel Thanks App necessary?
Yes. You must use the app for Airtel and utility rewards.
What is the max cashback per month?
₹250 (Airtel) + ₹250 (Utilities) + ₹500 (Food/Grocery) = ₹1,000
Are there any other fees I should be aware of?
Apart from the annual fee, there are standard charges like interest on revolving credit (approx. 3.6% per month), cash advance fees, and late payment penalties. Check the latest fee schedule on the Axis Bank website.
What kind of cashback can I earn with this card?
You get 25% cashback on Airtel services (capped at ₹250/month), 10% on utility bills and partner merchants like Swiggy, Zomato, and BigBasket (capped at ₹250 and ₹500/month respectively), and 1% on all other spends.
How is the cashback credited?
Cashback is automatically credited to your credit card account as statement credit at the end of each billing cycle.
Are there any exclusions from earning cashback?
Yes, fuel transactions, rent payments, educational fees, and some other categories might be excluded from earning cashback.
What are the travel benefits of this card?
You get 4 complimentary domestic airport lounge accesses per year, but you need to spend ₹50,000 in the previous 3 months to qualify for each visit.
Can I get any dining benefits with this card?
Through Axis Bank’s Dining Delights program, you can enjoy discounts at participating restaurants, but this isn’t specific to the Airtel card.
How do I manage my card?
You can manage your card through Axis Bank’s mobile app or internet banking, where you can track rewards, make payments, and monitor transactions.
User Reviews
Users say
Great card
Wonderful card for Airtel users. Saving 25% on my Airtel bills
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