Axis Bank Airtel Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

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 payments, grocery purchase and online food orders. This hassle-free credit card gives real cashback at very high rate and the cashback is credited directly into the credit card statement. Literally no manual efforts are required by the credit card users to redeem any reward points or cashback points. This makes this credit card one of the most popular cashback credit cards in India.

Pros

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

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.

Fees & Charges

Joining / Annual Fee ₹ 590

Renewal Fee ₹ 590

Annual Spend Target for Fee Waiver ₹ 200,000

Minimum Annual Income Required ₹ 360,000

Rewards and Benefits

Reward Rate

25% Cashback on Airtel Service; 10% Cashback on Utility Bills, Swiggy, Zomato and BigBasket; 1% Cashback on Other Spend

Base Reward Rate

1%

Accelerated Reward Rate

25%

Welcome Benefits

Rs.500 Amazon Gift card on making any one transaction within first 30 days on card issuance

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

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.

Rewards Redemption

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

Additional Benefits

Domestic Airport Lounge

Dining Benefits

International Airport Lounge

Railway Lounge Access

Movie Benefits

Golf Benefits

Lifestyle Benefits Details

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

Features & Benefits

Cashback

Airport Lounge

Utility Bills

Gift Cards

Reward Points

Airmiles

Insurance

NPS

Education

Government Payment

Fuel

Rent

Jewellery

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

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

Ratings & Reviews

4.2

Overall Rating

Reward Rate

5/5

Lifestyle Benefits

3/5

Ease of Reward Redemption

5/5

Value For Money

5/5

Customer Service

3/5

Detailed Review

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.

Eligibility & Important Info

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)