Airtel Axis Bank Credit Card
CashbackVerified · August 25, 2026
5.0/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Reward Rate — Airtel Bills: 25% cashback, same categories
Overview
Airtel Axis Bank Credit Card with cashback on Airtel bill payments, utility bill payments via Airtel Thanks App, 1% base cashback on other eligible spends, and 10% value back on Zomato, Blinkit and District Movies.
Rewards
Reward Type
Cashback
Reward Rate
- • Base Reward Rate — Airtel Bills: 25% cashback, same categories
- • cap is 'twice the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Utility Bills: 10% cashback
- • cap is 'the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Food/Grocery Delivery: 10% value back on Zomato, Blinkit & District Movies, capped ₹200/partner/month, MOV ₹499 for Zomato/Blinkit
- • Base Reward Rate — Other Spends: 1% cashback/base cashback on all other spends (excluded MCC categories apply)
Welcome Benefit
₹250 Amazon eVoucher on first transaction within 30 days of card issuance (not applicable for cards issued without Joining Fee)
Milestone Benefit
Annual fee waived on spends >₹2,00,000 (rent & wallet load transactions excluded from qualifying spend)
Redemption
No fee
Benefits
- Fuel Surcharge Waiver: 1% waiver on transactions ₹400–₹4,000, max benefit ₹500 per statement cycle
- GST on surcharge not refundable
- no cashback on fuel transactions
- Wednesday Delight: Every Wednesday: up to 15% off flights/hotels (Goibibo/MakeMyTrip)
- 10% off Swiggy orders
- 10% off up to ₹1,000 on Tira
- Convert Purchases to EMI: Convert transactions of ₹1,500+ into easy EMI by contacting the bank
- Value Chart (₹3L annual spend estimate): Total annual benefit ≈ ₹13,950 (~4.65% back), broken down: Activation ₹250
- Airtel billpay 25%/₹20K=₹3,800
- Utility 10%/₹20K=₹1,900
- Preferred Partner value-back 10%/₹60K=₹6,000
- Fuel waiver 1%/₹10K=₹100
- Other spends 1%/₹1.9L=₹1,900
Things to Know Before you apply
Airtel Axis Bank Credit Card Eligibility Criteria
- Age: 18–70 years
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- Resident of India.
Airtel Axis Bank Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹2,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
The official Axis Bank page currently lists a ₹500 joining fee and ₹500 annual fee from the second year, with annual fee waiver on annual spends greater than ₹2,00,000 subject to stated exclusions. Current benefits include 25% cashback on eligible Airtel payments via Airtel Thanks App, 10% cashback on eligible utility bills via Airtel Thanks App, 1% base cashback on other eligible spends, 10% value back on Zomato, Blinkit and District Movies, fuel surcharge waiver, a ₹250 Amazon eVoucher welcome benefit, Wednesday offers and EMI conversion for transactions of ₹1,500 or more.
Pros
- • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
- • 10% cashback on eligible utility bill payments via Airtel Thanks App.
- • 1% base cashback on other eligible spends.
- • 10% value back on Zomato, Blinkit and District Movies, subject to the stated monthly cap and minimum order value conditions.
- • Annual fee of ₹500 can be waived when annual spends exceed ₹2,00,000, subject to stated exclusions.
- • 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, with maximum benefit up to ₹500 per statement.
- • Amazon eVoucher worth ₹250 on the first transaction within 30 days of card issuance, subject to the stated joining-fee condition.
- • Wednesday offers include up to 15% off flights and hotels via Goibibo and MakeMyTrip, 10% off Swiggy orders and 10% off up to ₹1,000 on Tira.
- • Transactions of ₹1,500 or more can be converted into EMI by contacting Axis Bank.
Cons
- • Joining fee is ₹500.
- • Annual fee is ₹500 from the second year onward unless the stated spend-based waiver is achieved.
- • Airtel and utility cashback caps are linked to base cashback earned during the same statement month rather than a fixed monthly rupee cap.
- • Zomato and Blinkit value back has a minimum order value of ₹499.
- • Foreign currency transaction fee is 3.50% of the transaction value.
- • Finance charges are 3.75% per month (55.55% per annum) on retail purchases and cash.
- • Cash withdrawal fee is minimum ₹500, up to 2.5% of the cash withdrawal amount.
- • Certain transaction categories carry a 1% fee after the stated thresholds, including wallet loads, fuel and utilities
- • education via third-party apps carries a 1% per-transaction fee.
- • No cashback is earned on fuel transactions.
- • The ₹250 welcome eVoucher is not applicable for cards issued without Joining Fee.
Compare with Similar Cards
Rating
5.0/5
5.0/5
4.9/5
Best Suited for
Cashback
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Fee Details
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹500
Annual/Renewal Fee
₹500
Joining Fee
₹500
Annual Fee
₹1.5
Welcome Benefit
- • ₹250 Amazon eVoucher on first transaction within 30 days of card issuance (not applicable for cards issued without Joining Fee)
- • ₹350 worth of activation benefits + ₹250 Flipkart voucher on first transaction within 30 days (not for first-year-free cards
- • only paid cards with Joining+Annual fee qualify) + 50% off up to ₹100 on Swiggy (code AXISFKNEW) for first-time Swiggy users
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Reward/Cashback Rate
- • Base Reward Rate — Airtel Bills: 25% cashback, same categories
- • cap is 'twice the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Utility Bills: 10% cashback
- • cap is 'the base cashback earned during the same statement month' (dynamic, not flat ₹250)
- • Reward Rate — Food/Grocery Delivery: 10% value back on Zomato, Blinkit & District Movies, capped ₹200/partner/month, MOV ₹499 for Zomato/Blinkit
- • Base Reward Rate — Other Spends: 1% cashback/base cashback on all other spends (excluded MCC categories apply)
- • Top-tier cashback rate — Myntra: 7.5% cashback on Myntra spends, capped at ₹4,000 per statement quarter
- • Top-tier cashback rate — Flipkart: 5% cashback on Flipkart and Cleartrip spends, capped at ₹4,000 per statement quarter per merchant
- • Preferred merchant cashback (4%): Unlimited 4% cashback on 'Preferred Merchants' (list not fully visible in captured screenshots)
- • Cleartrip is actually grouped in the 5%-capped tier per official site, not the 4% tier
- • Base Reward Rate: 1 reward point for every ₹100 spent on other purchases (excluding categories such as Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers, and more)
- • Fuel Reward Rate: Not offered — RBL's Reward Benefits section only covers Grocery (20 pts) and 'other purchases' (1 pt)
- • its exclusion list explicitly states Fuel & Auto transactions do NOT earn reward points at all
- • Reward Points Crediting: Credited within 45 days from the purchase settlement date
Pros
- • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks App.
- • 10% cashback on eligible utility bill payments via Airtel Thanks App.
- • 1% base cashback on other eligible spends.
- • 10% value back on Zomato, Blinkit and District Movies, subject to the stated monthly cap and minimum order value conditions.
- • Annual fee of ₹500 can be waived when annual spends exceed ₹2,00,000, subject to stated exclusions.
- • 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000, with maximum benefit up to ₹500 per statement.
- • Amazon eVoucher worth ₹250 on the first transaction within 30 days of card issuance, subject to the stated joining-fee condition.
- • Wednesday offers include up to 15% off flights and hotels via Goibibo and MakeMyTrip, 10% off Swiggy orders and 10% off up to ₹1,000 on Tira.
- • Transactions of ₹1,500 or more can be converted into EMI by contacting Axis Bank.
- • Base Rewards: 5% Cashback per ₹100 (5% unlimited cashback on Flipkart & Myntra)
- • 4% Cashback per ₹100 (4% cashback on preferred partner merchants (Swiggy, PVR, Uber, Tata 1mg, Cleartrip))
- • 1% Cashback per ₹100 (1% unlimited cashback on all other eligible retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 spent on all regular retail purchases)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Joining fee is ₹500.
- • Annual fee is ₹500 from the second year onward unless the stated spend-based waiver is achieved.
- • Airtel and utility cashback caps are linked to base cashback earned during the same statement month rather than a fixed monthly rupee cap.
- • Zomato and Blinkit value back has a minimum order value of ₹499.
- • Foreign currency transaction fee is 3.50% of the transaction value.
- • Finance charges are 3.75% per month (55.55% per annum) on retail purchases and cash.
- • Cash withdrawal fee is minimum ₹500, up to 2.5% of the cash withdrawal amount.
- • Certain transaction categories carry a 1% fee after the stated thresholds, including wallet loads, fuel and utilities
- • education via third-party apps carries a 1% per-transaction fee.
- • No cashback is earned on fuel transactions.
- • The ₹250 welcome eVoucher is not applicable for cards issued without Joining Fee.
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹500
- • Reward exclusion on fuel purchases and wallet load transactions