Axis Airtel Credit Card Review

Utilities card with lounge access

The Axis Airtel has a ₹500 annual fee + GST, waived on ₹2,00,000 annual spend. It earns 1% back on regular spends and up to 25% on Airtel Thanks app, with 4 domestic airport lounge visits a year. Best for: airtel customers and bill payers — our verdict: recommended.

Vyaya Team · Jun 2026

5 min read

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Value Score

9.0 / 10

Annual Fee

₹500

Best For

Airtel subscriber, Bill-paying household

Network

Mastercard

Expert Verdict

The Axis Airtel card is purpose-built for Airtel users, with a market-leading 25% cashback on Airtel bills and 10% on utilities, all on a low Rs. 500 fee. The monthly caps (Rs. 300/Rs. 500) limit total value and the base rate is just 1%, so it shines as a dedicated bill-payment card rather than an all-purpose one.

AXIS BANKMastercard

Axis Airtel

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REWARD SUMMARY

1% Base Rewards
Utilities card with lounge access

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The Bottom Line

The Axis Airtel is built for airtel subscriber and bill-paying household. With a ₹500 annual fee that is waived on ₹2,00,000 yearly spend, it offers 25% rewards on airtel thanks app (utility) and a welcome benefit worth ₹500. It makes the most sense if your spending matches airtel subscriber and bill-paying household.

It earns a base reward rate of 1% and stacks best when your spending lines up with Airtel subscriber, Bill-paying household. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.

What we like

+Standout 25% cashback (25 points per Rs. 100) on Airtel bill payments via the Airtel Thanks app, capped at Rs. 300/month

+10% cashback on utilities and on other partner categories (capped Rs. 300 and Rs. 500/month respectively)

+Direct cashback currency at full value, with a low Rs. 500 annual fee waived on Rs. 2 lakh annual spend

+4 domestic lounge visits, purchase protection and travel insurance covers, plus up to 20% dining discounts

What we don't

–Cashback is heavily capped (Rs. 300/month on Airtel and utilities, Rs. 500/month on other categories)

–Educational services, fuel, gold/jewellery, government, insurance, rent and wallet loads earn no cashback

–Base rate is only 1% (1 point per Rs. 100) outside the boosted categories

–3.5% forex markup plus a 1% DCC markup on international transactions converted at point of sale

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Airtel subscriber

An Airtel customer paying broadband, DTH and mobile bills via the Airtel Thanks app to capture 25% cashback up to Rs. 300/month.

Bill-paying household

Someone routing utility and recurring bills through the card to use the 10% capped cashback on a low Rs. 500 fee.

Probably not for

Skip

–

High-volume spender

The tight monthly cashback caps mean big spenders quickly max out and fall back to 1% base.

–

International traveller

The 3.5% forex markup plus 1% DCC markup make overseas spending expensive.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Reward Rates

Axis Airtel offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Where

Amount

₹

Airtel Thanks app (Utility)

25%

Airtel Thanks app (Utility)

10%

Other

10%

Welcome Offer

Welcome Benefit

Amazon e-voucher on first transaction

Value: ₹500

Milestone Benefits

Spend ₹2,00,000

Annual fee waiver on spends of Rs. 2,00,000 and above in the preceding year.

Fees & Charges

Joining fee₹500

Annual fee₹500

Fee waiverSpend > ₹2,00,000

Eligibility

Min Income: ₹1.8 Lakhs
Min Credit Score: 750
Age 18-70, Indian resident/NRI; salaried with stable income; min CIBIL ~750.

Exclusions & Terms

Forex markup

Foreign currency markup

EMI

No cashback

Wallet Load

No cashback

Cash Withdrawal

No cashback

Indian Railways/IRCTC

Surcharge as prescribed by Indian Railways/IRCTC

Dynamic Currency Conversion (DCC)

1% markup on international transactions converted to INR at point of sale

Frequently Asked Questions

8 data-backed answers from our card database

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

The Axis Airtel has a ₹500 annual fee + GST, waived on ₹2,00,000 annual spend.

What rewards does the Axis Airtel credit card give?+

It earns 1 Cashback per ₹100 spent (about 1% back), and up to 25% on Airtel Thanks app.

Does the Axis Airtel credit card offer airport lounge access?+

Yes — 4 domestic airport lounge visits a year. Check the card's terms for any spend condition before your trip.

What is the eligibility for the Axis Airtel credit card?+

Minimum annual income of about ₹1.8 lakh and a credit score of 750+. Age 18-70, Indian resident/NRI; salaried with stable income; min CIBIL ~750.

What is the forex markup on the Axis Airtel?+

3.5% + GST on international transactions.

What is the welcome benefit on the Axis Airtel?+

Amazon e-voucher on first transaction

How can I get the Axis Airtel annual fee waived?+

Spend ₹2,00,000 or more in a card year and the ₹500 renewal fee is waived.

Is the Axis Airtel credit card worth it?+

Ready to apply?

₹500 annual fee. Apply on the Axis Bank website.

Apply on Axis Bank →

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