Airtel Axis Bank Credit Card benefits
- Rewards25%
cashback on Airtel bills through the Airtel Thanks app
up to twice your base cashback
- Rewards10%
cashback on utility bills through the Airtel Thanks app
up to your base cashback
- Rewards1%
base cashback on other eligible spends
with no limit
- Benefit10%
value back on Zomato, Blinkit and District Movies
up to ₹200 per partner a month
- Gift₹250
Amazon eVoucher on your first transaction within 30 days
- Fees
Annual fee waived on yearly spends above ₹2,00,000
Airtel Axis Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Bills and utilities25% cashback on Airtel Mobile, Broadband, WiFi and DTH bills paid through the Airtel Thanks app. The limit is twice the base cashback you earn in the same statement month, so it is left out of the maths. | 25% back | None |
| Bills and utilities10% cashback on gas, electricity and other utility bills paid through the Airtel Thanks app. The limit equals the base cashback you earn in the same statement month, so it is left out of the maths. | 10% back | None |
| Dining and food delivery10% value back on Zomato, Blinkit and District Movies, up to ₹200 per partner a month. It goes to the partner's wallet, not your statement. Zomato and Blinkit need an order of ₹499 or more. | 10% back | None |
| Everything else | 1% back | None |
No rewards on: Fuel, rent, wallet recharges, jewellery, insurance, education, government services, gift cards, cash advances, EMI, and utility and telecom spends made outside the Airtel Thanks app.
All reward rules
- 1% base cashback has no limit. It also sets how much you can earn on Airtel Thanks bills, so you earn no 25% or 10% cashback in a month with no base spends.
- Our maths counts no cashback on bills, because the higher rates depend on your base cashback and work only through the Airtel Thanks app.
- Cashback goes directly to your card statement.
- From 12 April 2026, 10% value back on Zomato, Blinkit and District Movies replaced 10% cashback on Swiggy, Zomato and BigBasket.
- You get a ₹250 Amazon eVoucher on your first transaction within 30 days of card issue. Cards issued without a joining fee do not get it.
- A 1% fee applies to rent, and to education payments through third-party apps. A 1% fee also applies in a statement cycle if utilities reach ₹25,000, fuel ₹50,000, wallet loads ₹10,000 or online skill gaming ₹10,000.
What the Airtel Axis Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹3,240 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,240* |
Airtel Axis Bank Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹2,00,000 a year
- Foreign currency markup
- 3.5%
The annual fee applies from the second year. It is waived on yearly spends above ₹2,00,000. Rent, wallet loads and gift cards do not count. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹4,000, up to ₹500 per statement cycle.
Airtel Axis Bank Credit Card eligibility
- Age
- 18 to 70
Applicants must live in India. Axis Bank's page gives no income figure, and it says the criteria are only indicative.
The bank alone decides approval and your credit limit.
Airtel Axis Bank Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Axis Bank ended complimentary lounge access on this card from 12 April 2026.
Is the Airtel Axis Bank Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying an above-average 1% on most spends.
Worth its fee if you spend about ₹6,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹2,00,000 a year or more (about ₹16,700 a month), so the ₹500 renewal fee is waived.
Not for you if
- You spend less than about ₹16,700 a month: you would pay ₹590 a year with GST.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Airtel Axis Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Airtel Axis Bank Credit Card | ₹500 | 25% | ₹2,880* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹12,360 a year, against ₹3,240 with the Airtel Axis Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Airtel Axis Bank Credit Card?
The joining fee is ₹500 and the annual fee is ₹500 from the second year, both before GST. The annual fee is waived on yearly spends above ₹2,00,000.
Is the Airtel Axis Bank Credit Card lifetime free?
No. The standard terms have a ₹500 joining fee and a ₹500 annual fee.
What is the cashback limit on the Airtel Axis Bank Credit Card?
Since 12 April 2026, cashback on Airtel bills is limited to twice your base cashback in that statement month. Cashback on utility bills through the Airtel Thanks app is limited to your base cashback. The 1% base cashback has no limit.
Does the Airtel Axis Bank Credit Card give lounge access?
No. Axis Bank ended complimentary lounge access on this card from 12 April 2026.
What is the eligibility for the Airtel Axis Bank Credit Card?
The primary cardholder must be 18 to 70 years old and live in India. Axis Bank says the criteria are only indicative.