The Airtel Axis Bank Credit Card is an entry-level option designed for users seeking strong cashback benefits. It offers up to 25% cashback on the Airtel Thanks app, making it ideal for telecom-related payments. Additionally, cardholders can enjoy 10% cashback on food orders placed through Zomato and Swiggy, adding extra value to everyday spending.
The Airtel Axis Bank Credit Card is tailored for users who want strong savings on recurring utility expenses. As a co-branded card, it rewards Airtel customers with notable cashback on mobile recharges, broadband payments, DTH services and various utilities made through the Airtel Thanks app. Beyond Airtel services, the card extends higher cashback on everyday platforms such as Swiggy, Zomato and Big Basket, making it helpful for regular household and lifestyle spending.
Alongside its cashback structure, the card also provides added perks like complimentary domestic lounge access and dining offers, giving it a competitive edge against other cashback-focused cards in the market. With a modest annual fee of ₹500, it fits well for users who frequently use Airtel services and want extra savings across daily transactions. The following sections explain its features and benefits in detail.
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||
| Finance Charges | 3.75% per month | ||||||||||
| Late Payment Charges |
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| Transaction Type | Transaction Value (in Rs.) | Airtel Axis Bank Credit Card (in Rs.) | Axis Ace Credit Card (in Rs.) | Cashback SBI Card (in Rs.) |
|---|---|---|---|---|
| Electricity Bill | 6,000 | 250 | 300 | 0 |
| Mobile Bill | 3,000 | 150 | 150 | 0 |
| DTH Bill | 1,000 | 100 | 50 | 0 |
| Water Bill | 1,000 | 0 | 50 | 0 |
| Zomato | 2,000 | 200 | 80 | 100 |
| Bigbasket | 5,000 | 300 | 75 | 250 |
| Ola | 2,000 | 20 | 80 | 100 |
| Apparel Purchase | 5,000 | 50 | 75 | 250 |
| Fuel | 5,000 | 0 | 0 | 0 |
| Total | 30,000 | 1,070 | 860 | 700 |
Note: The illustration above is based on the assumption that bill payments are processed through each card’s dedicated partner platform — Airtel Axis users pay via the Airtel Thanks app, while Axis Ace users pay through Google Pay.
For recurring and high-amount payments such as electricity, gas, or broadband bills, the Rs. 250 monthly reward cap on the Airtel Axis Bank Credit Card may feel restrictive. Even so, the card continues to deliver decent value-back compared to many other cards in the same segment.
To optimize your returns, it’s ideal to reserve the Airtel Axis Card for Airtel-related expenses, where it provides the strongest benefits, and utilize another credit card with better uncapped rewards for all other spending categories.
Choose This Card If:
You are an Airtel subscriber and routinely pay bills or recharge through the Airtel Thanks App.
You are looking for a low-fee card that provides cashback on utility and Airtel-related payments.
You regularly shop on platforms like Zomato, Swiggy, or BigBasket.
You are not seeking rewards in other categories such as travel, dining, or entertainment.
If you wish to discontinue your Airtel Axis Bank Credit Card, it is advisable to follow the official closure procedure set by Axis Bank to ensure a smooth and hassle-free experience.
Review Your Decision
Clear All Outstanding Dues
Ensure that your credit card account has no pending payments. Clear all liabilities such as:
The bank will only process the closure once all dues are fully settled.
Submit Closure Request
You can initiate the closure request through various channels, including:
While submitting the request, you may be asked to provide:
Request Confirmation
Stop Using the Card
Destroy the Card
Once closure is confirmed:
Check Your Credit Report
Important Points
If you need support regarding your Airtel Axis Bank Credit Card, you can connect with the customer service team of Axis Bank. The bank provides assistance for billing issues, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Helpline Numbers
WhatsApp Banking Support
You can also use WhatsApp banking for quick help:
This service allows access to basic banking features and instant assistance.
SMS Banking Services
To check your account balance:
Other Support Channels
Axis Bank also offers multiple service options, including:
Services Available
Important Points
There is no minimum spend needed to qualify for cashback on this credit card. However, cashback rewards have monthly caps: up to Rs. 250 on 25% cashback through the Airtel Thanks app, Rs. 250 on 10% cashback for utility bill payments, and Rs. 500 for 10% cashback on Zomato, Swiggy, and BigBasket combined.
The welcome benefit is an Amazon gift voucher worth Rs. 500. To redeem, visit www.amazon.in/addgiftcard, enter your gift card code, and click ‘Add to your balance’. A valid Amazon account is required; new users must create an account first.
Cashback from eligible transactions is automatically credited to your next monthly statement. It will appear as ‘cashback credited’ and will be adjusted against your upcoming bill, typically within three days before the next statement cycle.
The card carries a finance charge of 3.75% per month, which translates to an annualized rate of 55.55%.
Yes, the annual fee of Rs. 500 can be waived if your total spending on the card reaches Rs. 2 lakh in the preceding year.
