Airtel Axis Bank Credit Card - Features, Benefits, Fees & Charges

Airtel Axis Bank Credit Card (3.8)

Co-Branded Best For: Utility
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As an avid user of Airtel’s services, if you find yourself frequently spending on Swiggy, Zomato or BigBasket, you might want to consider the Airtel Axis Bank Credit Card. The card has a nominal joining and annual fee of ₹500 and comes with perks such as an Amazon voucher worth ₹500, 25% cashback on Airtel mobile, broadband and WiFi through Airtel Thanks, free lounge access, restaurant discounts and much more. Continue reading to learn more about this card.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Amazon voucher worth ₹500 on your first transaction.

Cashback Benefit
  • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks app.
  • 10% cashback on utility bill payments
  • 10% cashback on Swiggy, Zomato and BigBasket
  • 1% cashback on all other spends
Lounge Access

4 free lounge visits per year at selected domestic airports. 

Fuel Surcharge

1% fuel surcharge waiver valid on transactions between ₹400 to ₹4,000.

Dining Benefit

20% off at 4000+ partner restaurants via EazyDiner.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

Add-on Card Fee

₹100

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

NA

Card Replacement Fee

Free

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.20
Late Payment Charges

Balance from ₹0 to ₹500

Nil

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹10,000

₹750

Balance more than ₹10,000

₹1,200
Pros

Aspects that make this credit card amazing.

  1. High Cashback on Airtel and Utilities.
  2. Welcome Amazon voucher worth ₹500.
  3. Discounts at partner restaurants, grocery stores, and online platforms.
  4. Free domestic airport lounge access.
Cons

Aspects this credit card lacks.

  1. High cashback is restricted to Airtel, and utilities spend categories.
  2. For general spending, you only get 1% cashback, which is lower than many other cashback cards.
  3. No International Lounge Access.
  4. No cashback on fuel purchases or wallet recharges.
Airtel Axis Bank Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(4)

Customer Service

(3.5)

Airtel Axis Bank Credit Card Review

The Airtel Axis Bank Credit Card is a great choice for those who frequently use Airtel services and pay high utility bills. The card offers high cashback rewards in these categories, which can be quite beneficial. However, if your spending habits are more diverse or if you travel frequently and require international lounge access, this card may not be the best fit for you. It's important to compare it with other cashback cards like Axis Bank Ace Credit Card and Amazon Pay ICICI Credit Card

Overview

Joining and Annual Fee

₹500

Card Type

Co-branded Credit Card

Reward Rate

1% to 25%

Welcome Bonus

Amazon voucher worth ₹500 on the first transaction made within 30 days.

Card Network

Visa

Cashback on Airtel Axis Bank Credit Card 

Category

Cashback Rate

Monthly Cap

Airtel Mobile, Broadband, WiFi & DTH bills via Airtel Thanks app

25%

₹300 per month billing cycle

Utility bill payments such as gas, electricity, etc., via the Airtel Thanks App

10%

₹300 per month billing cycle

Swiggy, Zomato and BigBasket

10%

₹500 per month billing cycle

All other spend

1%

No cap

Who should get the Airtel Axis Bank Credit Card?

Depending on your spending habits and financial goals, the Airtel Axis Bank Credit Card may or may not be right for you. Here's a breakdown of who could benefit from this card:

  1. If you use Airtel for your mobile, broadband, WiFi, or DTH services, this card offers the highest cashback of 25% on those bills when paid through the Airtel Thanks app. 
  2. Regular utility bill payers
  3. Frequently spend on Swiggy, Zomato, or BigBasket

How to apply for the Airtel Axis Bank Credit Card?

To apply for AU Bank Altura Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.

Step 2: Click on 'Card Issuers', where you will see a list of banks that issue credit cards.

Step 3: Choose Axis Bank from the list.

Step 4: Choose Airtel Axis Bank Credit Card and click on the 'Apply Now' button.

Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.

Step 6: Fill in the credit card application form and attach the documents required.

Airtel Axis Bank Credit Card Eligibility

  • Age: 18 to 70 years
  • Resident: Indian
  • Income: Applicants must have a stable income to be eligible for this card.

Documents Required for Axis Bank Rewards Credit Card

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,47,92,226
Axis Bank Credit Card News
31 May 2024, Friday
1. Migration of Citi Credit Cards to Axis Credit Cards- All You Need to Know.

As of 1 March 2023, Axis Bank has acquired all consumer banking services from Citibank, including credit cards. The full migration of Citi customers to Axis Bank is anticipated to be completed by 9 June 2024. Existing Citi cards will be substituted with new credit cards from Axis Bank. Below is a list of some of the rebranded cards:

  1. Citi Rewards will become the Axis Rewards Credit Card.

  2. IndianOil Citi Card will become the IndianOil Premium Axis Bank Credit Card.

  3. Citi PremierMiles will become the Axis Bank Horizon Credit Card.

Features of New Axis Bank Credit Cards

1. Axis Rewards Credit Card:

  • Joining/Annual Fee: Rs. 1,000 + GST
  • Welcome Benefits: 5,000 EDGE REWARDS on Rs 1,000+ spend within the first 30 days.
  • Earn up to 20 EDGE Reward Points for every Rs 125 spent.
  • 2 complimentary domestic lounge access.

2. IndianOil Premium Axis Bank Credit Card:

  • Joining/Annual Fee: Rs 1,000 + GST
  • Welcome Benefits: 500 EDGE Miles on the first transaction within 30 days.
  • Earn EDGE Miles for fuel, groceries, and other spends, redeemable at IOCL petrol pumps.
  • Quarterly complimentary domestic lounge access, Zomato discounts, and a fuel surcharge waiver.

3. Axis Bank Horizon Credit Card:

  • Joining/Annual Fee: Rs 3,000 + GST
  • Welcome Benefits: 5,000 EDGE Miles on Rs 1,000+ spent within the first 30 days.
  • Earn EDGE Miles for travel and other categories.
  • International and domestic lounge access, fuel surcharge waiver, EazyDiner discounts.

Post Migration

  • Existing rewards/miles will be converted to Axis Bank EDGE Rewards and/or EDGE Miles with unchanged monetary value.
  • Card number, CVV, annual fees, credit limit, and other details will remain the same.
  • Mandates and saved card information on merchant sites will not change.
  • EMIs and other obligations will be seamlessly transferred to the new Axis card.
13 Mar 2024, Wednesday
2. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
3. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
4. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
5. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
6. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Airtel Axis Bank Customer Reviews

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Frequently Asked Questions

Yes, the Airtel Axis Bank Credit Card does provide complimentary airport lounge access, but with some limitations:

  • Number of visits: You get 4 complimentary lounge visits per calendar year.
  • Domestic airports only: These visits are valid at select domestic airports in India, including Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai, and Pune.
  • Specific lounges: You can access specific lounges within these airports, not all lounges. The exact lounges are listed on the Axis Bank website.

The Airtel Axis Bank Credit Card caters to both Airtel users and general spenders with a range of features and benefits. Here's a breakdown:

Welcome Benefits:

  • Rs 500 Amazon e-voucher: Make your first transaction within 30 days of card issuance after paying the joining fee.

Cashback:

  • 25% on Airtel bills: Mobile, broadband, Wi-Fi, and DTH payments via Airtel Thanks App (up to Rs 300/month).
  • 10% on utility bills: Gas, electricity, etc. via Airtel Thanks App (up to Rs 300/month).
  • 10% on Swiggy, Zomato, and BigBasket: (up to Rs 500/month).
  • 1% on all other spends: No minimum spend required.

Travel:

  • 4 complimentary domestic airport lounge visits per year.

Dining:

  • Up to 20% off at 4000+ partner restaurants in India.

The Airtel Axis Bank Credit Card offers a welcome benefit Rs 500 Amazon e-voucher upon making your first transaction within the first 30 days of card issuance.

Yes, there is a joining fee for the Airtel Axis Bank Credit Card. It's a mandatory charge of Rs 500 (plus applicable taxes) that you need to pay when you apply for the card.

There are a couple of ways to check your eligibility for the Airtel Axis Bank Credit Card:

1. Through the Airtel Thanks app:

  • If you're an existing Airtel customer and have the Airtel Thanks app installed, it's the easiest and most direct way to check your eligibility.
  • Open the app and look for the "Airtel Axis Bank Credit Card" banner or icon on the home screen.
  • Click on the banner and you'll be directed to a page that displays your pre-approved eligibility status for the card.
  • This method eliminates the need to enter any information and provides a quick indication of your chances of getting approved.

2. Through the Axis Bank website:

  • Visit the Axis Bank website and navigate to the "Credit Cards" section.
  • Choose the "Airtel Axis Bank Credit Card" from the available options.
  • Click on the "Check Eligibility" button.
  • You'll be redirected to a page where you need to enter your basic information like name, mobile number, email address, and income details.
  • Once you fill in the required fields, click on the "Submit" button.
  • Within a few minutes, you'll receive an email or SMS notification informing you about your preliminary eligibility for the card.