Airtel Axis Bank Credit Card
- Updated On: 1 June, 2026
The Airtel Axis Credit Card is a co-branded card offered by Axis Bank in partnership with the telecom services provider company Bharti Airtel. Targeted at individuals who mostly use Airtel Mobile, Broadband, WiFi, and DTH, it comes at an affordable annual fee of ₹500 + GST (~₹590). As a joining benefit, cardholders shall receive an Amazon voucher worth ₹250 on realization of charges, offsetting the amount paid.
The Airtel Axis Credit Card used to be one of the best cards for utility bill payments and Airtel recharges. But after the April 2026 devaluation, it has lost a lot of its value. The cashback rates are still the same, but now the actual cashback depends on how much you spend in the 1% category. So even if you are eligible for 25% cashback, you won’t get the full benefit unless you spend enough in other categories first.
This makes the card much less useful, especially for people who only use it for bills and recharges. On top of that, benefits like airport lounge access have also been removed, making the card less attractive overall.
Airtel Axis Bank Credit Card
( 3.8 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
25% Cashback On Airtel Recharges (Capped At 2× Base Cashback In Same Statement Month). 10% Cashback On Utility Bills (Capped At Base Cashback In Same Statement Month). 10% Value Back On Zomato, Blinkit & District (Up To ₹200 Per Partner Per Month). 1% Cashback On All Other Spends
Welcome Benefits
Amazon Voucher Worth ₹250
Rewards and Benefits
Movie & Dining
10% Valueback on Zomato, Blinkit, and District Movies
Rewards Rate
25% Cashback On Airtel Recharges (Capped At 2× Base Cashback In Same Statement Month). 10% Cashback On Utility Bills (Capped At Base Cashback In Same Statement Month). 10% Value Back On Zomato, Blinkit & District (Up To ₹200 Per Partner Per Month). 1% Cashback On All Other Spends
Reward Redemption
Direct Cashback Against Statement
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Charges Waived on Spends of ₹2 Lakh
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5%
Interest Rates
3.75% Per Month (55.55% Per Annum)
Fuel Surcharge Waiver
1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 4,000.
Cash Advance Charges
Min of ₹500 Up to 2.5% of the Cash Withdrawn
Product Details
- Amazon gift voucher worth ₹250 as a welcome benefit.
- Up to 25% cashback on Airtel Mobile, broadband, and DTH bill spends via the Airtel Thanks app.
- 10% cashback on gas, electricity, and water bill payments via the Airtel Thanks app.
- 10% valueback on Zomato, Blinkit, and District Movies.
- 1% cashback on all other retail spends using the Airtel Axis Bank Credit Card.
- 1% fuel surcharge waiver.
- Spend-based waiver of the annual fee.
Pros/Cons
Pros
- 10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month)
Cons
- The card doesn’t make much sense anymore due to its complicated reward structure. Cashback on utility bill payments now depends entirely on how much you spend in the 1% category.
- Your spending in the 1% category decides the cashback limit for higher categories, which makes the card confusing and less rewarding for users.
Up to 25% Cashback With Airtel Axis
- 25% cashback on Airtel mobile, DTH, WiFi, and broadband recharge via the Airtel Thanks app. Maximum cashback is twice the base cashback earned in that statement cycle.
- Get 10% cashback on utility bill payments via the Airtel Thanks app. Capped at the base cashback earned in the same statement month.
- You get unlimited 1% cashback on all other retail spends. Those with the RuPay variant shall be eligible for 1% cashback on UPI spends.
Cashback Exclusions
- Utility Bill Payments not made through the Airtel Thanks app
- Fuel purchases
- EMI transactions
- Rent payments
- Government services
- Insurance services
- Education services
- Payment of credit card fees & charges
- Wallet loading transactions
- Purchase of Jewelry items
- Cash advances
When is Cashback Credited?
Cashback earned from purchases/spends made with the Airtel Axis Credit Card during the current billing cycle will be credited in the following billing cycle, three days before the statement generation date. The cashback amount will be calculated based on the total spending during the statement period, after subtracting any returns or refunds that occurred in the same period.
Complete terms for cashback with the Airtel Axis Credit Card.
Other Features and Benefits
To understand all the features and benefits of this card in detail, refer to the following points:
Welcome Benefits
Airtel Axis cardholders will receive an Amazon gift voucher worth ₹250 as a welcome gift when they make their first transaction within 30 days of card issuance.
10% Valueback on Partner Brands
10% value back on Zomato, Blinkit, and District Movies (up to ₹200 per partner per month). Minimum order value of ₹499 applies to Zomato and Blinkit. The value back does not expire and can be used on future purchases with the partner brands.
Dining Benefits
You get a discount of 15% up to ₹500 at over 4000+ participating restaurants across the country under the Axis Bank’s Dining Delights Program. This discount is applicable on a minimum order value of ₹2,500.
Fuel Surcharge Waiver
1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4,000 is offered with the card. The maximum waiver is capped at ₹500 per month.
Spend-Based Waiver
The annual fee of ₹500 is waived off (second year onwards) if you have spent ₹2 lakhs or more in the previous anniversary year. Rent and wallet load transactions shall not be counted towards the calculation of annual fee waiver spends.
Airtel Axis Bank Credit Card Eligibility Criteria
If you want to get the Airtel Axis Bank Credit Card, you need to fulfill the following eligibility criteria in order to get approved for this credit card. However, the bank may have some internal criteria as well.
- The applicant should be between 18 and 70 years old.
- The applicant should have a stable source of income.
- The applicant should be a resident of India.
Apply Online for Airtel Axis Bank Credit Card
Previously, the Airtel Axis Credit Card could only be applied for in the Airtel Thanks app, but now it can also be applied for on the official Axis Bank website.
- Click on Apply Now.
- You shall be redirected to the Axis Bank website.
- Fill in your basic details.
- Complete all documentation/KYC
- Your application shall be sent for approval.
Airtel Axis Bank Credit Card Review
The Airtel Axis Bank Credit Card was once the go-to choice for paying utility bills and Airtel recharges. But after the recent devaluation, the card has lost much of its value. While it still shows 25% and 10% cashback on paper, that’s no longer the full picture.
Now, users first need to spend in the 1% category, which decides how much cashback they can earn in the higher categories.
So, if you want to earn ₹250 cashback in the 25% category, you would first need to spend ₹12,500 in the 1% category to unlock that limit.
If you have any further questions about this offering from Axis Bank, please feel free to ask in the comments section below! We also invite those who already have this card to share their experiences and help others make the best decision.
FAQs:
How can I redeem the cashback I earn using the Airtel Axis Bank Credit Card?
The cashback you earn using this card is automatically credited to your statement.
Is the Airtel Axis Bank Credit Card lifetime free?
No, the Airtel Axis Bank Credit Card is not lifetime-free. It comes with an annual fee of ₹500 + GST. You can get a renewal fee waiver by spending ₹2 Lakhs or more in the previous year.
Do I need to spend in other categories to earn Airtel cashback?
Yes, your cashback on Airtel and utility spends depends on how much you spend in the 1% category.
Is the Airtel Axis Credit Card still good for bill payments?
It can still be useful, but only if you also spend enough in other categories to unlock higher cashback.
Has airport lounge access been removed?
Yes, the card no longer offers complimentary domestic lounge access after the devaluation.
What is the minimum age at which you are eligible to apply for this card?
To apply for the Airtel Axis Bank Credit Card, you should be at least 18 years old.
What will be the limit of my Airtel Axis Bank Credit Card?
The limit for your Airtel Axis Bank Credit Card varies based on your credit history, payment history, and credit score. The maximum limit is ₹5,00,000.
29 comments
Sunny Wayne
Card has gone devaluation. The worst devaluation.
Kartik Kanwar
True
Ajay
If i did the Airtel sim recharge what will be the maximum cashback per month?
Kartik Kanwar
You would get 25% cashback up to ₹250 per month.
Praveen
For Utilities and recharges after reaching 250 limit normal cashback still come ?
Shubham Kumar
Q1 Does this card gives cashback on spends less than ₹100?
Q2 To get the cashback on bigbasket is there any minimum spend?
Kartik Kanwar
Yes and No.
Bhav
Well I get 10% cashback for HP cylinder as well? I’m assuming it counts as utilities
Kartik Kanwar
Gas comes under utilities.
Virendra kumar
How much cashback will you get on insurance premium payment
Kartik Kanwar
No cashback shall be offered for insurance payments.
Madhur
I’ve been using the Airtel Axis Bank credit card for a while now, and I must say that it has exceeded my expectations. The cashback and discounts are fantastic, and the customer service is top-notch. I appreciate how easy it is to manage my expenses with this card, and the EMI options are a lifesaver for larger purchases.
Vara
How is the cashback credited?
I have used it for one month and the statement is generated but I don’t see any cashback. Can you tell in which form did you receive your cashback?
Kartik Kanwar
Cashback is received directly against statement. Check your credit card statement.
Rozy Sharma
Can you help me with my request?
I don’t have account with Axis Bank but I’ve the Airtel Axis Bank Card. I’ve 3 queries regarding this
1) How to pay the credit card bill?
2) Where will the Cashback be credited?
3) What’s my billing cycle?
Kartik Kanwar
There are many ways through which you can pay your bill whether its your own Axis Bank app or third party apps like Cred. Your cashback shall be credited to your statement. You can check your billing cycle by calling customer care. You can also see it on your statement.
Rashi
Best in the market for utilities bill payments and cash back for Big Basket and mainly Airtel Bills. Overall a great card.
Sahib Singh
Can someone give me their customer care number my application has been stuck for over 2 months now
Kartik Kanwar
You can contact Axis Bank Customer Care. Call 18001035577.
Knu Rana
I am using two Axis Bank credit card (Flipkart Axis Credit Card and Neo Credit Card). I always pay all my bills on time (Payment Rate- 100%), yet I am rejected two times from past 4 months for Airtel Axis Credit Card without any reason. Please help me.
Salvo08
Apply now from Axis Bank mobile App or Website as they have opened that channel recently earlier one only could apply through Airtel Tanks App. Axis has started giving approvals after a lot backlash on devaluation of other cards.
ashish
what percentage of reward points will be credited on insurance premium payment while using airtel axis bank credit card rewards on airtel thanks app
Kartik Kanwar
You would get 1% cashback on making insurance payments with the Airtel Axis Bank Credit Card. There is no limit on this cashback.
Ritika
Hey there… you really did a great job with the research in the article. I just had a quick question. What about Airtel mobile postpaid connection bill payments? Will I get the same 25% cashback benefit or the benefit change with prepaid and postpaid billings?
Kartik Kanwar
Yes, you would. Cashback on both Airtel prepaid and postpaid.
Nancy
Can I pay my sister’s Airtel WiFi bill using my Airtel Axis Bank credit card?
Kartik Kanwar
Yes, you can use your Airtel Axis Bank Credit Card to pay your Wifi/Broadband bill.
Anika
Does Airtel Axis also offer lifetime fees free credit cards? Like if I have a airtel axis credit card for a long period will the limit of this card be exceeded or not? If I pay to recharge my Airtel wifi or no. do I get any points for such transactions?
Kartik Kanwar
Airtel Axis Credit Card comes at a fee of Rs. 500. You would get 25% cashback for Airtel bill payments.