Airtel Axis Bank Credit Card
Make your lifestyle more rewarding with massive cashback on Airtel and daily spends
Annual Fee
₹500
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The Airtel Axis Bank Credit Card is arguably the best entry-level cashback card in India for utility and telecom spends. It offers an effective return that far exceeds its modest annual fee, provided the user is within the Airtel ecosystem.
Quick Match
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Your Estimated Value
Year 1
+₹6,000
Includes ₹500 bonus
Year 2+
+₹5,500
Fee waiver eligible!
Why get this card
Industry-leading 25% cashback on Airtel Mobile, DTH, and Broadband bills via Airtel Thanks App
Generous 10% cashback on essential utilities like Electricity, Gas, and Water bills
High 10% cashback on popular lifestyle brands including Swiggy, Zomato, and BigBasket
Simple cashback model where earnings are directly credited to the credit card statement
Watch out for
Cashback on Airtel and Utility categories is capped at ₹250 per month each
Combined cashback for Swiggy, Zomato, and BigBasket is capped at ₹500 per month
No rewards on fuel, rent, insurance, gold, and wallet load transactions
+1 more considerations
- Domestic lounge access is limited to only 4 visits per year
Who is this card for?
Best for
airtel loyalists
Users with multiple Airtel connections (Mobile, Fiber, DTH) who can maximize the 25% cashback category.
Min: ₹5,000/mo
household spenders
Individuals looking to save on monthly utility bills and frequent orders from Swiggy or BigBasket.
Min: ₹10,000/mo
Skip if you're
high net worth individuals
The monthly cashback caps limit the value for high spenders who might prefer uncapped reward points.
non airtel users
The primary value proposition (25% cashback) is exclusive to Airtel services.
Base Earning
1 Cashback
per ₹100 spent
1.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Airtel Thanks App - UTILITIES
25×
25% return
250 pts/month
Airtel Thanks App - UTILITIES
10×
10% return
250 pts/month
DINING
10×
10% return
500 pts/month
Welcome Offer
Amazon e-voucher worth ₹500 on the first transaction made within 30 days of card issuance.
₹500
value
Spend ₹1 within 30 days
Milestones
Spend ₹2.0L
Annual fee of ₹500 waived on spending ₹2 Lakhs in the preceding year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Compare Alternatives
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Visa
Upgrade Path
Move up or down within this bank