Airtel Axis Bank Credit Card – Get 25% Cashback on Airtel Bills & Partner Brands
Axis Bank • Cashback Card
Description
🏦 Issuer: Axis Bank (in partnership with Bharti Airtel)
💳 Best Suited For: Airtel Users | Food Delivery | Utility Payments | Cashback Lovers
💰 Joining Fee: ₹500 + GST (≈ ₹590)
🔁 Annual Fee: ₹500 + GST (waived on ₹2L annual spend)
🎁 Reward Type: Direct Cashback
The Airtel Axis Bank Credit Card is a co-branded cashback credit card launched by Axis Bank in partnership with Bharti Airtel, designed specifically for Airtel users and everyday spenders.
This affordable card gives up to 25% cashback on Airtel bill payments (Mobile, DTH, Broadband, WiFi) via the Airtel Thanks App, along with 10% cashback on popular food and grocery delivery platforms like Swiggy, Zomato, and BigBasket.
Even better — you get 4 complimentary domestic airport lounge visits per year, plus a ₹500 Amazon voucher as a welcome gift.
With smart usage, you can save over ₹12,000 every year through cashback and rewards.
Welcome Benefits
| Benefit | Details |
|---|---|
| 🎟️ Amazon Gift Voucher | Get an Amazon voucher worth ₹500 on your first transaction within 30 days of card issuance. |
| 🆓 Affordable Annual Fee | ₹500 + GST, effectively offset by the ₹500 voucher — making it nearly free in Year 1. |
| 💸 Instant Activation | The voucher is received after joining fee realization and first eligible transaction. |
💡 This means your joining fee is effectively reimbursed!
Rewards
💰 Cashback Benefits
| Category | Cashback Rate | Monthly Cap | Notes |
|---|---|---|---|
| Airtel Payments (via Airtel Thanks App) | 25% | ₹250 | Applicable on Airtel Mobile, DTH, Broadband & WiFi bills only |
| Utility Bills (via Airtel App) | 10% | ₹250 | Gas, Electricity, and other utilities |
| Swiggy, Zomato & BigBasket | 10% | ₹500 | Combined monthly cap across all 3 merchants |
| All Other Retail Spends | 1% | Unlimited | Including UPI on RuPay variant |
| Excluded Transactions | 0% | — | Fuel, rent, insurance, EMI, government payments, wallet loads, jewelry, etc. |
🪙 Cashback Redemption:
All cashback is automatically adjusted against your next billing statement (no manual redemption needed).
🕓 Credit Timeline:
Cashback is credited 3 days before the next statement generation date.
✈️ Travel Benefits
| Feature | Details |
|---|---|
| Airport Lounge Access | 4 Complimentary Domestic Lounge Visits per Year |
| Condition | Spend ₹50,000 in the previous quarter to unlock access |
| Network | Access available at major airports across India |
🧳 Ideal for frequent domestic travelers who spend moderately.
🍽️ Dining Benefits
| Program | Dining Delights by Axis Bank |
|---|---|
| Discount | Up to 20% off (Max ₹500) at 4,000+ partner restaurants across India |
| Condition | Minimum order value ₹2,500 |
| Booking Method | Valid on payments made via the Airtel Axis Card at participating outlets |
⛽ Fuel Surcharge Waiver
-
Waiver: 1% on fuel transactions between ₹400–₹4,000.
-
Maximum Waiver: ₹500 per month.
-
No cashback on fuel spends.
💳 Spend-Based Fee Waiver
| Condition | Benefit |
|---|---|
| Annual spend ≥ ₹2,00,000 | Next year’s annual fee (₹500) waived off |
| Rent or wallet loads | Not counted towards spend threshold |
Eligibility
| Parameter | Requirement |
|---|
| Age | 18 – 70 years |
| Residency | Indian Resident |
| Income | Stable income source (salaried or self-employed) |
| Credit Score | 700+ preferred |
Fees
| Particulars | Charges |
|---|---|
| Joining Fee | ₹500 + GST |
| Renewal Fee | ₹500 + GST (waived on ₹2L spend) |
| Finance Charges | 3.6% per month (52.86% p.a.) |
| Cash Advance Fee | 2.5% (Min ₹500) |
| Forex Markup | 3.5% of transaction value |
| Late Payment Fee | ₹100 – ₹1,200 (based on amount due) |
Documents Needed
PAN Card
Aadhaar Card or valid address proof
Income Proof (Latest Salary Slip / Bank Statement / ITR)
Passport-size photograph
Value Illustration
| Spend Category | Monthly Spend (₹) | Cashback % | Monthly Cashback (₹) | Annual Savings (₹) |
|---|---|---|---|---|
| Airtel Bills | 1,000 | 25% | 250 | 3,000 |
| Utility Bills | 2,500 | 10% | 250 | 3,000 |
| Swiggy/Zomato/BigBasket | 5,000 | 10% | 500 | 6,000 |
| Other Spends | 10,000 | 1% | 100 | 1,200 |
| Total Savings | — | — | — | ₹13,200/year |
💡 Your ₹590 annual fee is recovered within the first month of regular use.
Final Summary
The Airtel Axis Credit Card is a top-tier cashback card for Airtel users and everyday digital spenders.
✅ 25% cashback on Airtel bills
✅ 10% on top partners (Swiggy, Zomato, BigBasket)
✅ Lounge access + dining discounts
✅ ₹500 Amazon voucher welcome gift
For an annual fee of just ₹590, this is one of the highest value-for-money cards in India — especially if you already use Airtel services or spend regularly on food delivery and groceries.
💬 Comparable to Flipkart Axis, but with better utility and Airtel-specific benefits.
The Airtel Axis Bank Credit Card delivers unmatched cashback value for a modest fee.
If you are an Airtel customer, and frequently order food or groceries online — this card easily gives double-digit savings and premium travel access, all in one.
✅ Top Choice for:
-
Airtel loyalists
-
Swiggy/Zomato/BigBasket users
-
Value seekers who want instant cashback
⚡ Verdict: A must-have co-branded card for smart digital spenders.
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