Axis Bank
Airtel Axis Bank Credit Card
Annual Fee
₹590₹500 + GSTBase Reward
1% cashback
Foreign Markup
3.5% of the total transaction amount.
Welcome Benefits
Amazon Voucher Worth ₹500
Product Highlights
- 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges via Airtel Thanks app.
- 10% cashback on utility bill payments via Airtel Thanks app.
- 10% cashback on Swiggy, Zomato, and BigBasket.
- 4 complimentary domestic lounge accesses each year.
- 1% fuel surcharge waiver.
Category Rewards
utilities
10% Cashback
10%
Specialty
1% Cashback
1%
shopping
1% Cashback on Other Shopping
1%
Fee Waiver
Annual Charges Waived on Spends of ₹2 Lakh
Merchant-Specific Rewards
Airtel Thanks App
★ 25% on Airtel Mobile/Broadband/WiFi/DTH
Swiggy
10% on preferred merchants
Zomato
10% on preferred merchants
BigBasket
10% on preferred merchants
Reward Calculator
Earns ₹13,210/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
₹13.8K
direct cashback
₹13.8K
via direct credit
Effective rate
7.19%
Annual fee
₹590
Year 1 net
+₹13,210
Year 2+ net
+₹13,210
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, cash advance, rent, jewelry, gold, insurance, education, government
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
25% cashback on Airtel Mobile, Broadband, WiFi, and DTH recharges via Airtel Thanks app (capped at ₹250 per month). 10% cashback on utility bill payments via Airtel Thanks app (capped at ₹250 per month). 10% cashback on Swiggy, Zomato, and BigBasket (capped at ₹500 per month). 1% cashback on all other eligible spends.
Redemption
Direct Cashback Against Statement
Benefits & Features
Domestic: 4 complimentary visits per year (Min ₹50,000 spend in the previous quarter required for activation.) Complimentary lounge access available with a minimum spend of ₹50,000 in the previous quarter. Without meeting the spend criteria, access is not available.
Pros & Cons
Pros
- 25% exclusive cashback on Airtel Mobile, WiFi, Broadband and DTH services.
- 1% cashback on all other purchases.
- Easy application process with delivery in 7 to 10 days.
Cons
- No access to international lounges.
- Less beneficial for users who prefer payment platforms like Amazon Pay or Google Pay.
Additional Info
Cashback for Airtel and utility payments is only applicable if made through the Airtel Thanks app.
Cashback earned will be credited three days before the statement generation date.
Annual fee waiver is applicable only after spending ₹2 lakh in the previous anniversary year.
Cashback capped at ₹250 for Airtel and utility payments, ₹500 for partner merchants.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
Annual Charges Waived on Spends of ₹2 Lakh