Axis Airtel Credit Card: Fees, Rewards & Benefits
Utilities card with lounge access
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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.
Utilities card with lounge access
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.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAn Airtel customer paying broadband, DTH and mobile bills via the Airtel Thanks app to capture 25% cashback up to Rs. 300/month.
Someone routing utility and recurring bills through the card to use the 10% capped cashback on a low Rs. 500 fee.
Probably not for
SkipThe tight monthly cashback caps mean big spenders quickly max out and fall back to 1% base.
The 3.5% forex markup plus 1% DCC markup make overseas spending expensive.
Is It Worth It For You?
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Reward Rates
Axis Airtel offers 1% basic reward rate.
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Welcome Offer
Amazon e-voucher on first transaction
Milestone Benefits
Annual fee waiver on spends of Rs. 2,00,000 and above in the preceding year.
Fees & Charges
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
3 data-backed answers from our card database
Ready to apply?
₹500 annual fee. Apply on the Axis Bank website.
Apply on Axis Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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