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Last updated: 29 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
25% on Airtel Bills
Earn 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bills via the Airtel Thanks app (capped at 2X the base 1% cashback earned in the same cycle). Earn 10% cashback on utility bills via the Airtel Thanks app (capped at 1X the base cashback earned). Earn 10% value back on Zomato, Blinkit, and District Movies (up to ₹200/partner/month). Earn an uncapped 1% cashback on other eligible regular spends.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual Fee Waiver: The renewal fee of ₹500 is waived upon achieving an annual eligible spend of ₹2 Lakhs in the preceding year (excluding rent and wallet loads)
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (maximum waiver of ₹500 per statement cycle)
An honest read on where this card earns its keep — and where it doesn't.
Massive 25% cashback on Airtel mobile, broadband, and DTH bills via the Airtel Thanks app
Excellent 10% cashback on household utility bills paid through the Airtel Thanks app
10% value back on Zomato and Blinkit adds great lifestyle savings
Base cashback of 1% on all other eligible regular spends is uncapped
High-yield cashback is now strictly capped based on how much 1% base cashback you earn (requires regular card usage)
Airport lounge access was completely removed from the card effective April 2026
Zomato and Blinkit rewards are credited to the partner wallet rather than as a statement credit
Rent, wallet loads, fuel, and government spends are excluded from cashback and the fee waiver target
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Airtel Axis Bank Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Airtel Axis Bank Credit Card fees, reward conversion, lounge access, and application eligibility.
Airtel Axis Bank Credit Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "₹250 Amazon e-Voucher on your first eligible transaction within 30 days of card issuance.".
Airtel Axis Bank Credit Card earns Cashback at a primary rate of 25% on Airtel Bills. Specifically, Earn 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bills via the Airtel Thanks app (capped at 2X the base 1% cashback earned in the same cycle). Earn 10% cashback on utility bills via the Airtel Thanks app (capped at 1X the base cashback earned). Earn 10% value back on Zomato, Blinkit, and District Movies (up to ₹200/partner/month). Earn an uncapped 1% cashback on other eligible regular spends.. Spends in Cashback, Co-branded, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on Airtel Axis Bank Credit Card can be redeemed for Statement Credit (for Airtel, Utilities, and regular spends), Partner Wallet Balance (for Zomato, Blinkit, and District Movies) via Axis Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 700 or above is strongly recommended for approval of Airtel Axis Bank Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Airtel Axis Bank Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Airtel Axis Bank Credit Card levies a forex markup fee of 3.5% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Airtel Axis Bank Credit Card currently features a welcome offer: "₹250 Amazon e-Voucher on your first eligible transaction within 30 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Massive 25% cashback on Airtel mobile and broadband. However, keep in mind that High-yield cashback is now strictly capped based on how much 1% base cashback you earn (requires regular card usage) and Airport lounge access was completely removed from the card effective April 2026. Overall, Airtel Axis Bank Credit Card delivers strong value if your regular spending aligns with Cashback, Co-branded, Entry Level.
Airtel Axis Bank Credit Card is focused on Cashback and Co-branded and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Airtel Axis Bank Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
