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Axis Bank Airtel Credit Card

(4.2/5)

Best For: Grocery,Online Food Order,Utility Bills

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Axis Bank’s Airtel Credit Card is a co-branded credit card of Axis Bank with Airtel. This card is not only the most rewarding credit card for payment for Airtel services, but is one of the best credit cards for utility bills payment, grocery purchase and online food order. This hassle-free credit card gives real cashback which is credited directly into the credit card statement. Literally no manual effort are required by the credit card users to redeem any reward points or cashback points. Scroll down this page to know more about this credit card.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

Joining and Renewal Benefits

Joining Benefits

Rs.500 Amazon Giftcard on any one transaction in First 30 days of Card Issuance

Renewal Benefits

No renewal benefits

Cashback and Rewards

Airtel: 25% cashback upto Rs.250 on payment towards Airtel mobile prepaid recharge, Airtel postpaid mobile bill, Airtel Broadband and Airtel DTH recharge payment on Airtel Thanks App
Utility Bills: 10% cashback upto Rs.250 on utility bills payment (piped gas, gas cylinder, water, electricity) through Airtel Thanks App. It should be noted that Airtel Thanks App charges 1.75% convenience fee on utility bill payments. So, effective cashback rate decreases to 8.25%. Since it’s a real cashback, so still the best option for utility bills upto the value of Rs.2,500 per month.
Swiggy, Zomato, BigBasket: 10% Cashback upto Rs.500 per monthly Statement Cycle on Swiggy (food delivery only, not on Instamart, Ginie, DineOut etc), Zomato (Food delivery only) and BigBasket (BigBasket & BBNow, not on Fresho or BB Beauty Store)
Bonus Tip: If you shop on BigBasket using Tata Neu App and make payment through Axis Airtel Credit Card, you get 5% valueback in the form of Neu Coins on top of 10% real cashback. This increases the total benefit on BigBaket to 15%.
EazyDiner: 15% Instant Discount upto Rs.500 on Eazydiner on order above Rs.2,500 once in a month
Other Spend: 1% Unlimited real cashback on other spend except certain excluded categories (check “No Cashback list” section on this page)
Instant Discount Offers: Card is eligible for instant discount offers of Axis Bank on various brands or during online and offline sale.

Lifestyle Benefits

Airport Lounge Access: 1 Domestic Lounge Access per Quarter on Spending Rs.50,000 in previous 3 calendar months

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on fuel transactions between Rs.400 and Rs.4,000; Maximum upto Rs.500 per Monthly Statement

Forex Mark-up Fee

3.5% plus GST (4.13% including GST)

Joining and Renewal Benefits

Joining Benefits

Rs.500 Amazon Giftcard on any one transaction in First 30 days of Card Issuance

Renewal Benefits

No renewal benefits

Cashback and Rewards

Airtel: 25% cashback upto Rs.250 on payment towards Airtel mobile prepaid recharge, Airtel postpaid mobile bill, Airtel Broadband and Airtel DTH recharge payment on Airtel Thanks App
Utility Bills: 10% cashback upto Rs.250 on utility bills payment (piped gas, gas cylinder, water, electricity) through Airtel Thanks App. It should be noted that Airtel Thanks App charges 1.75% convenience fee on utility bill payments. So, effective cashback rate decreases to 8.25%. Since it’s a real cashback, so still the best option for utility bills upto the value of Rs.2,500 per month.
Swiggy, Zomato, BigBasket: 10% Cashback upto Rs.500 per monthly Statement Cycle on Swiggy (food delivery only, not on Instamart, Ginie, DineOut etc), Zomato (Food delivery only) and BigBasket (BigBasket & BBNow, not on Fresho or BB Beauty Store)
Bonus Tip: If you shop on BigBasket using Tata Neu App and make payment through Axis Airtel Credit Card, you get 5% valueback in the form of Neu Coins on top of 10% real cashback. This increases the total benefit on BigBaket to 15%.
EazyDiner: 15% Instant Discount upto Rs.500 on Eazydiner on order above Rs.2,500 once in a month
Other Spend: 1% Unlimited real cashback on other spend except certain excluded categories (check “No Cashback list” section on this page)
Instant Discount Offers: Card is eligible for instant discount offers of Axis Bank on various brands or during online and offline sale.

Lifestyle Benefits

Airport Lounge Access: 1 Domestic Lounge Access per Quarter on Spending Rs.50,000 in previous 3 calendar months

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on fuel transactions between Rs.400 and Rs.4,000; Maximum upto Rs.500 per Monthly Statement

Forex Mark-up Fee

3.5% plus GST (4.13% including GST)

Reward Redemption

This credit card gives real cashback which is automatically credited in credit card statement.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 590

Renewal fee
(INR including GST)

₹ 590

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 200000

Pros

Aspects that make this credit card amazing.

Very high cashback on Airtel services
One of the highest cashback rates on Utility bills, BigBasket, Swiggy and Zomato
No limit on 1% cashback on other spend
Real cashback automatically credited to credit card statement.

Cons

Aspects this credit card lacks.

Airtel Thanks app has started charging a convenience fee of 1.75% on utility bills. This reduces the effective cashback rate.
No cashback on insurance, fuel,EMI, Wallet Load, Jewellery, Rent, Government, Insurance, Education related payments, Cash Advances, Card fees and charges. Nowadays, these categories are excluded for cashback and rewards with most of the credit card.
Cashback limit on utility bills is Rs.250 per month only which is low. Effective cashback rate becomes less than 10% if total utility bill amount is more than Rs.2,500.
Spend condition for Lounge Access. You need to spend Rs.50,000 in last 3 months to be eligible for 1 lounge access in a quarter. Although, this is an entry level credit card and mainly for utility bill payment. This should not be a major drawback.
Lounge network limited to metro city airports.

Spend Categories with No Cashback / Rewards

No cashback on following spend categories

Fuel Spends
EMI transactions
Purchases converted to EMI post facto o Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform

Add-on Cards

Upto 3 Add-on credit cards are given. But for long time, Axis Bank is not issuing any Add-on credit card to new credit card users.

Eligibility Criteria

Age: Minimum 18 years, Maximum 70 years
Income: Rs.30,000 net-in-hand salary per month for salaried customer. For others, ITR of Rs.4 Lacs in a year (basis the card approval experience, criteria not shared by the bank)

Important Links

Lounge List Accessible using Airtel Axis Bank Credit Card https://bit.ly/AxisAirtelLoungeList

Upcoming Changes

N/A

Rating & Leave your comment here about this credit card

(4.2/5)

SpendWisely’s Rating for this Credit Card

(4.2/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value

(5)

Lifestyle Benefits

(3)

Ease of Reward Redemption

(5)

Value for Money

(5)

Customer Service

(3)

This credit card is the best credit card for utility bill payment and Airtel services. No other card can match the cash back rate on utility bills which this credit card gives. This is also the best cashback credit card for Swiggy, Tomato and BigBasket.

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Domestic Airport Lounge Access

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Not Available

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Axis Bank Airtel Credit Card

Features and Benefits

Joining and Renewal Benefits

Cashback and Rewards

Lifestyle Benefits

Fuel Surcharge Waiver

Forex Mark-up Fee

Joining and Renewal Benefits

Cashback and Rewards

Lifestyle Benefits

Fuel Surcharge Waiver

Forex Mark-up Fee

Reward Redemption

Fee and Charges

Pros

Cons

Spend Categories with No Cashback / Rewards

Add-on Cards

Eligibility Criteria

Important Links

Upcoming Changes

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

SpendWisely’s Rating for this Credit Card

Credit Card Youtube Video Feed

Leave your comment here about this credit card

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