Axis Bank credit card
Axis Bank Airtel Credit Card
Best cashback card for Airtel services, utility bills & food delivery apps
Credofly overview
Is Axis Bank Airtel Credit Card right for you?
₹500 fee card with ₹1,000 monthly cashback potential for Airtel users. Auto credit, low effort, instant approval via app.
Use Airtel Thanks App to avail maximum cashback rates.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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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)
How you can redeem
Cashback is auto-applied as statement credit before bill generation. No redemption portal needed.
EMI Transactions, Insurance, Wallet, Rent, Education, Fuel, Government Spends, Tax Payments, and Jewelry
<p>Cashback applies only to Airtel Thanks App spends for Airtel and utilities. Other exclusions include rent, fuel, wallets, education, insurance, EMI, etc., as per Axis Bank’s terms.</p>Beyond rewards
Benefits that matter
Welcome offer
₹500 Amazon voucher on 1st transaction within 30 days
Milestone benefits
Annual fee waived on ₹2L spend in a card anniversary year
Renewal benefits
None (only milestone waiver available)
Card benefits
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Auto cashback via statement credit
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Welcome Amazon voucher
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High rewards on essential categories
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4 free lounge visits/year (on ₹50K quarterly spend)
Lifestyle & travel
lounge domestic, dining benefits
Our independent take
Credofly review
Perfect fit for bill payers and food/grocery app users who want no-frills cashback. Value is visible from month one.
👍 For Airtel & utility users — highly rewarding
👎 Not for non-Airtel or rent/fuel spenders
Why we like it
High, instant-value cashback with minimal effort. Great for Airtel ecosystem users and online spenders.
Strengths
- <p>25% cashback on Airtel spends</p>
- <p>10% cashback on utilities & food delivery apps</p>
- <p>₹500 Amazon voucher + lounge access (on ₹50K quarterly spend)</p>
Watch-outs
- <p>Cashback works only via Airtel Thanks App</p>
- <p>Cashback is capped per category</p>
- <p>No international lounge or travel rewards</p>
Before you apply
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
Your questions answered
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.
Is there a foreign transaction fee with this card?
Typically, there’s a foreign transaction fee, but check the latest terms as some promotions might waive this fee.
Can I convert my purchases to EMI?
Yes, you can convert purchases above a certain amount into EMIs. This feature can help manage larger expenses over time.
How long does it take to get the card after applying?
After approval, you might receive a digital card immediately for online use, with the physical card arriving within 7-10 business days.
What happens if I don’t meet the spending requirement for the annual fee waiver?
If you don’t spend ₹2 lakh in a year, you’ll have to pay the ₹500 + GST annual fee.
From cardholders
User reviews
Great card
Wonderful card for Airtel users. Saving 25% on my Airtel bills
Based on 27 responses
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