Cashback

Airtel Axis Bank Credit Card Review

Airtel Axis Bank is best for airtel customers who also spend regularly on the card. 25% cashback on Airtel mobile, broadband and DTH bills via Airtel Thanks.

Annual fee₹500 + GST
Fee waiver₹2,00,000 / year
Top reward rate10%
Forex markup3.5%
NetworkMastercard
Min. incomeNot published

Pros

  • 25% cashback on Airtel mobile, broadband and DTH bills via Airtel Thanks
  • 10% cashback on utility bills via Airtel Thanks
  • 10% value back on Zomato, Blinkit and District (₹200 cap each)
  • 1% cashback on everything else

Cons

  • Since April 2026, bill cashback caps depend on how much base cashback you earn
  • Lounge access and Swiggy/BigBasket cashback removed
  • Partner rewards come as wallet credit, not cash

Reward rate by category

Effective value back per ₹100 spent. Cashback credited to the statement; Zomato, Blinkit and District benefits are credited to the partner wallet.

Amazon1%
Flipkart1%
Other online shopping1%
Food delivery10%
Dining out1%
Groceries1%
Flights & hotels1%
Fuel0%
Bills & recharges10%
Everything else1%

Caps, tiers & milestones

  • 10% utility cashback capped at 1× the 1% base cashback you earn (25% on Airtel bills capped at 2×)
  • 10% value back on Zomato capped at ₹200 a month, as partner wallet credit (min. order ₹499)

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender
₹3,96,000/yr spend
₹8,160
Online shopper
₹3,90,000/yr spend
₹7,980
Frequent traveller
₹8,04,000/yr spend
₹8,244
Family & groceries
₹5,88,000/yr spend
₹11,040

Use my own spends

Lounge access

None (removed in April 2026)

Similar credit cards

HDFC Bank Millennia Credit Card

CashbackShoppingBeginner friendly
Annual fee₹1,000 + GST
RewardsUp to 5%
Forex markup3.5%
  • 5% cashback on 10 merchants: Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on other spends
  • ₹1,000 gift voucher every quarter you spend ₹1 lakh
View details

Airtel Axis Bank FAQs

What is the annual fee of the Airtel Axis Bank credit card?

The Airtel Axis Bank credit card has a joining fee of ₹500 and an annual fee of ₹500, plus 18% GST. The annual fee is waived if you spend ₹2,00,000 or more in a card year.

Is Airtel Axis Bank a good credit card?

The Airtel Axis Bank card is best for: airtel customers who also spend regularly on the card. Its main strengths are: 25% cashback on airtel mobile, broadband and dth bills via airtel thanks; 10% cashback on utility bills via airtel thanks. Its main drawback: since april 2026, bill cashback caps depend on how much base cashback you earn.

What is the forex markup on Airtel Axis Bank?

The Airtel Axis Bank card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.

Does Airtel Axis Bank offer airport lounge access?

Yes: None (removed in April 2026). Banks often attach spend conditions to lounge access, so check the latest terms.

✓ Details verified 26 September 2026Minimum income: not published by the bank. Sources: Live From A Lounge: Airtel Axis devaluation. Banks change terms often, so confirm on the Axis Bank website before applying.
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