Axis Bank Airtel Credit Card
AXIS · VISA★4.3/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap the card to flip
The Axis Airtel is a strong co-branded card for Airtel users — 25% cashback on Airtel recharges, 10% on Swiggy, Zomato, and BigBasket. As a lifetime-free card with 1% cashback on all other spends, it pairs well as a second card for utility and food delivery spends.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | cashback | 25% | ₹250 |
| Groceries | cashback | 10% | ₹500 |
| Dining | cashback | 10% | ₹500 |
| Other | cashback | 1.50% | — |
Utility Bills: 25% cashback on Airtel app bill payments (cap ₹250/mo) · Airtel app
Groceries: 10% cashback on grocery via partner apps · BigBasket,BlinkIt
Dining: 10% cashback on Swiggy orders · Swiggy
Other: 1.5% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver on fuel transactions
Who is this card for?
- 💳Mid tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Utility Bills (25% back).
👍 Pros
- ✓25% cashback on Airtel mobile recharges and bill payments
- ✓10% cashback on Swiggy, Zomato, and BigBasket
- ✓Lifetime free — no joining or annual fee
- ✓1% cashback on all other spends
👎 Cons
- ✕Best value only for Airtel subscribers
- ✕10% cashback capped — limited for very high spenders
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the Axis Bank Airtel Credit Card?+
This card is lifetime free — there is no joining or annual fee.
What is the foreign currency markup?+
The forex markup is 3.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 250 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 15000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Axis Bank Airtel Credit Card are taken from AXIS's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
Similar & related cards
Other cards worth comparing before you apply.
Axis Bank Flipkart Credit Card
Same tier with similar rewards
AU LIT Credit Card
Comparable AU option
Scapia Federal Bank Credit Card
Comparable FEDERAL option
Axis Bank Neo Credit Card
Same tier with similar rewards
Axis Bank ACE Credit Card
Same tier with similar rewards
SBI Cashback Credit Card
Comparable SBI option
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 📉 Reward rate changeEffective 1 Aug 2025
Axis Airtel card monthly cashback cap on Airtel recharges reduced from ₹250 to ₹200. The 25% cashback rate on Airtel transactions is unchanged.
25% cashback on Airtel mobile recharges (capped ₹250/month)→25% cashback on Airtel mobile recharges (capped ₹200/month)
Want to know if this beats your current card for your spending?