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Last updated: 01-06-2026
Airtel Axis Bank Credit Card
Axis Bank

Airtel Axis Bank Credit Card

"Best telecom co-brand card โ€” 25% cashback on Airtel bill payments, 10% on Swiggy and Zomato, 5% on Flipkart and BigBasket"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น2 lakh or more in the card anniversary year
๐ŸŽฏ Best Suited For
Airtel users who pay monthly bills for mobile, broadband, DTH and Airtel Xstream; those who also order frequently on Swiggy, Zomato and shop on Flipkart and BigBasket
๐ŸŽ Reward Type
Direct Cashback โ€” auto-credited as Airtel Thanks points or statement credit
๐ŸŽ‰ Welcome Benefit
โ‚น550 cashback on spending โ‚น5,000 within 45 days of card issuance โ€” more than covers joining fee
๐Ÿ’ฐ Reward Rate
25% cashback on Airtel services (mobile recharge, broadband, DTH, Airtel Xstream) โ€” capped at โ‚น250 per month; 10% cashback on Swiggy and Zomato โ€” capped at โ‚น250 per month; 5% cashback on Flipkart, BigBasket and select partner merchants; 1% cashback on all other eligible spends; excludes fuel, EMI, wallet, rent, government, insurance
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
๐Ÿ’ต Cashback Rate
25% Airtel; 10% Swiggy/Zomato; 5% Flipkart/BigBasket; 1% others
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โœ… Pros
  • 25% cashback on Airtel services โ€” excellent for Airtel customers
  • 10% on Swiggy and Zomato
  • 5% on Flipkart and BigBasket
  • โ‚น550 welcome cashback exceeds joining fee
  • 4 domestic lounge visits per year
  • Easy โ‚น2L fee waiver
โŒ Cons
  • 25% cashback capped at โ‚น250 per month
  • Only for Airtel customers
  • High forex markup 3.5%
  • 1% base cashback on other spends is low
  • Apply only via Airtel Thanks app
  • Caps limit benefit for heavy spenders

๐ŸŽ Rewards & Benefits

Reward Type
Direct Cashback โ€” auto-credited as Airtel Thanks points or statement credit
Welcome Benefits
โ‚น550 cashback on spending โ‚น5,000 within 45 days of card issuance โ€” more than covers joining fee
Reward Rate
25% cashback on Airtel services (mobile recharge, broadband, DTH, Airtel Xstream) โ€” capped at โ‚น250 per month; 10% cashback on Swiggy and Zomato โ€” capped at โ‚น250 per month; 5% cashback on Flipkart, BigBasket and select partner merchants; 1% cashback on all other eligible spends; excludes fuel, EMI, wallet, rent, government, insurance
Reward Redemption
Cashback auto-credited โ€” no redemption needed; credited as Airtel Thanks points (redeemable against Airtel bills) or statement credit depending on category
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
Spend Based Fee Waiver
Annual fee waived on โ‚น2 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2L spend; โ‚น550 welcome cashback
Other Benefits
25% off on Airtel bills โ€” unique telecom benefit; 4 domestic lounge visits per year; fuel surcharge waiver; Smart EMI on transactions above โ‚น2,500; dining discounts via Axis Bank Dining Delights

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
25% Airtel cashback; 10% Swiggy/Zomato; 5% Flipkart; 4 domestic lounge visits

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2 lakh or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
25% Airtel cashback capped at โ‚น250 per month; 10% Swiggy/Zomato capped at โ‚น250 per month; cashback caps limit high spenders; high forex markup 3.5%; apply via Airtel Thanks app only

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 70 years; Indian resident; Airtel mobile or broadband customer; minimum monthly income โ‚น15,000; apply via Airtel Thanks app
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and Axis Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app and Airtel Thanks app: manage card, track cashback
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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