AXIS

Axis Bank Airtel Credit Card

Good for everyday cashback on regular spend.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • 25% cashback on eligible Airtel payments through Airtel Thanks.
  • 10% on eligible Zomato, Blinkit & District Movies and Utilities, subject to caps.
  • 1% on other eligible spending.
Issuer evidence · 2 sources →

Trade-off

The annual fee (₹500) is waived only when eligible annual spend exceeds ₹2,00,000.

Annual fee ₹500 per year
Base cashback 1%
Lounge access 0 removed
Forex markup 3.5% high
Compare with HDFC Bank Millennia →

Similar tier comparison

What it costs to get, and to keep

Joining vs renewal

First year

₹500joining fee

From year 2

₹500renewal fee

Waived above ₹2,00,000 eligible annual spend

Welcome offer

Amazon e-voucher worth ₹250 on first transaction within 30 days

Amazon e-voucher worth ₹250

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1%—
Airtel (Thanks app) (domestic)25%app only2× base cashback earned in the same month
Zomato, Blinkit & District Movies (domestic)10%Credited to partner wallet (not statement cashback) · additional conditions apply — not fully modelled₹200 per partner per month
Utilities10%app only1× base cashback earned in the same month

When does this card pay for itself?

Rewards break-even estimate
₹50K

Conservative yearly spend needed at base cashback rates.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Base earn

1% base cashback

Caps

  • Airtel (Thanks app) (domestic)2× base cashback earned in the same month
  • Utilities1× base cashback earned in the same month
  • Zomato, Blinkit & District Movies (domestic)₹200 per partner per month
View full earning rules →

No reward on

  • These spends do not earn cashback: Rent
  • Education
  • Government payments
  • Fuel
  • +4 more
See earning rules →

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

All applicants

Minimum age
18 years or older

Stated by a source whose tier is not recorded · verify with issuer1 source of unrecorded tier

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹2,00,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.
  • Lounge access removed from 12 April 2026

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · uses base/general earn rate; partner and category bonuses not included
  • ~₹6,000/year base cashback · renewal annual fee waived at this spend (joining fee may still apply in year 1)
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Lounge benefit removed — effective 12 April 2026

Domestic lounge access discontinued effective April 12, 2026 per Axis product notice

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Complimentary lounge access was removed effective 12 April 2026. Domestic lounge access discontinued effective April 12, 2026 per Axis product notice

Domestic (cardholder)
Removed
International (cardholder)
Not included

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify

Rewards

Base earn
1% base cashback
Reward type
Cashback
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹500
Joining fee
₹500 · verified 3 Sept 2026
Fee waiver spend
Above ₹2,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹2,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹4,000.
  • Maximum waiver ₹500 per month.
  • Fuel transactions do not earn cashback.

Fine print & compare

Compare with similar cards

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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Airtel (Thanks app) cashback cap: 2× base cashback earned in the same month.
  • Zomato, Blinkit & District Movies cashback cap: ₹200 per partner per month.
  • Utilities cashback cap: 1× base cashback earned in the same month.
Exclusions: 8

These spends do not earn cashback.

Payments

  • Rent
  • Education
  • Government payments

Financial

  • Fuel
  • Wallet loads
  • Insurance premiums
  • EMI

Other

  • Jewellery

Latest update

  • Annual fee: ₹500.
  • Forex markup currently listed at 3.5%.
  • Lounge access removed from 12 April 2026.

Common questions

From verified card facts

Is this good for lounge access?

Lounge access removed from 12 April 2026.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies above ₹2,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Amazon e-voucher worth ₹250 on first transaction within 30 days. Included items: Amazon e-voucher worth ₹250 — First transaction within 30 days of issuance; not applicable on free cards. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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Last refreshed 6 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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