Axis Bank
Gold · Airtel
Airtel Axis Bank Credit Card
Axis Bank
Up to 25% cashback on Airtel bills and utilities
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
25.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹5,410
Total Annual Benefits
₹6,000
Total Annual Charges
₹590
ROI
917%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
25% Cashback on Airtel Bills
Earn 25% cashback on Airtel mobile recharges, broadband, and DTH bill payments
- • Valid on Airtel Thanks app or Airtel website
- • Monthly cap applies
25% cashback
1% Cashback on All Other Spends
Earn 1% cashback on all other retail transactions
- • Applies to all other spends
1% cashback
Utility Payments (1)
10% Cashback on Utility Bills
Earn 10% cashback on electricity, gas, water, and other utility bill payments
- • Valid on utility bill payments
- • Monthly cap applies
10% cashback
Food & Dining (1)
10% Cashback on Zomato & Blinkit
Earn 10% cashback on Zomato food delivery and Blinkit grocery orders
- • Valid on Zomato and Blinkit
- • Monthly cap applies
10% cashback
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Airtel Axis Cashback
1%–25% cashback
Effective cashback: 25.00%
Points expire: Cashback credited directly to statement, no expiry
Redemption Options
- → Auto-credited to credit card statement
Bonus Categories
Airtel bills
25x multiplier
25% cashback
Utility bills
10x multiplier
10% cashback
Zomato & Blinkit
10x multiplier
10% cashback
Other spends
1x multiplier
1% cashback
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST at 18% |
| Annual Fee | ₹500 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 18–65 years
- • Best suited for Airtel subscribers
Insurance Coverage
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability: ₹1 Lakh
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Cashback auto-credited to statement Airtel ecosystem integration Zomato & Blinkit cashback
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Airtel Axis Bank Credit Card is a Visa Gold tier co-branded card offering 25% cashback on Airtel recharges and bills, 10% on utility bill payments...
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