Axis Bank
Axis Bank Airtel Credit Card
Data last verified: 11 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate1% on most spends; 25% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹500 a month
The Airtel Axis card is a cashback card for bills. You get 25% back on Airtel mobile, broadband and DTH paid through the Airtel Thanks app, 10% on utility bills, and 10% on select partners like Zomato and Blinkit. Everything else earns 1%.
The fee is ₹500 plus GST, waived when you spend ₹2 lakh in a year. For an Airtel user, the 25% cashback on monthly bills can cover the fee in a few months.
It suits Airtel customers who want easy, automatic savings. The catch is the caps. The 10% partner cashback has monthly limits, and the 4 domestic lounge visits a year need Rs 50,000 spend in the previous quarter.
Best for: Airtel mobile, broadband and DTH users, Households paying many utility bills, First-time card users, UPI payment users.
01Axis Bank Airtel Credit Card Rewards and Benefits
02Axis Bank Airtel Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹500 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining only at Zomato, District Movies: 10% back, up to ₹400 a month
- Groceries only at Blinkit: 10% back, up to ₹200 a month
- Spending ₹16,667 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Zomato, District Movies or Blinkit: the 10% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500 plus GST
- Fee waived on ₹2 lakh annual spend
- 25% cashback on Airtel bills via the Airtel Thanks app
- 10% cashback on utility bills and select partners, capped monthly
- 1% cashback on other spends
- 4 domestic lounge visits a year on ₹50,000 previous-quarter spend
05Pros and Cons
Pros
- 25% back on Airtel bills
- Straight cashback, no points
- 1% on all other spends
- Low fee with an easy waiver
Cons
- Partner cashback has monthly caps
- Best value only for Airtel users
- 3.5% forex markup
- Lounge visits are spend-linked
06How Axis Bank Airtel Credit Card earns Rewards
1% on most spends; 25% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 10% | ₹400 | Only at: Zomato, District MoviesTerms: 10% value-back on Zomato and District Movies, ₹200 a month each, credited to the partner wallet rather than your card statement. The ₹499 minimum order applies to Zomato only, not District |
| Groceries | 1% | No cap | Anywhere else in the category |
| Groceries, only at listed merchants | 10% | ₹200 | Only at: BlinkitTerms: 10% on Blinkit (cap ₹200 a month, min order ₹499), replaced BigBasket in the April 2026 revision |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | Anywhere else in the category |
| Bills and recharges, only at listed merchants | 25% | No cap | Only at: Airtel Thanks appTerms: 25% on Airtel mobile, broadband, WiFi and DTH bills paid in the Airtel Thanks app (active connections only), and 10% on other utility bills paid in the app; capped at 2× and 1× your base 1% cashback that cycle. Utilities paid outside the app earn nothing. |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on all other spends
07Axis Bank Airtel Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions of ₹400 to ₹4,000, capped at ₹500 a statement cycle. Fuel earns no cashback, and GST on the surcharge is not refunded
08Axis Bank Airtel Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 12 Apr 2026 | Reduced: 10% partners switched to Zomato/Blinkit/District, paid as partner-wallet value-backSource: Axis Bank | 10% cashback on Swiggy, Zomato & BigBasket (to card statement) | 10% value-back on Zomato, Blinkit & District Movies (to partner wallet), ₹200/partner a month, ₹499 min order |
| 12 Apr 2026 | Reduced: Complimentary domestic lounge access discontinuedSource: Axis Bank | 4 complimentary domestic visits a year (spend-gated) | None |
See this card's change history → · All card changes in August 2026 →
10Cards Similar to Axis Bank Airtel Credit Card
Axis Bank Airtel Credit Card is a utility bills card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Airtel Credit Card |  HSBC Live Plus Credit Card |  HDFC Bank UPI RuPay Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹99 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹99 + GST |
| Rewards | 1% on most spends; 25% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 0.75% on groceries |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Utility bills | Dining | Grocery |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Airtel Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, when you spend ₹2 lakh in a year.
How much cashback on Airtel bills?
25% on Airtel mobile, broadband and DTH paid through the Airtel Thanks app.
Do I get lounge access?
Yes, 4 domestic visits a year, once you spend ₹50,000 in the previous quarter.
Is there a welcome benefit?
A ₹500 Amazon voucher on your first transaction within 30 days.
What is the joining fee for the Axis Bank Airtel Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Airtel Credit Card?
The annual fee is ₹500 + GST.
Does the Axis Bank Airtel Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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