Airtel Axis Bank Credit Card
Axis Bank · Cashback card · ₹500 annual fee
Fees & benefits
| Annual fee | ₹500 + GST — waived at ₹2,00,000/yr spend |
| Welcome benefit | ~₹250 value |
| Airport lounges | None |
| No rewards on | fuel, rent, wallet, jewellery, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 25% on Airtel Mobile/Broadband/WiFi/DTH via Airtel Thanks app | 25% | ₹250 | airtel |
| 10% utility via Airtel Thanks | 10% | ₹250 | utility |
| 10% at Preferred Partners (Zomato/Blinkit/District Movies) | 10% | ₹500 | zomato, blinkit, district |
| 1% other cashback | 1% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Effective 12 April 2026 the cashback caps became dynamic: the 25% Airtel-services cashback is capped at 2x, and the 10% utility cashback at 1x, of the base (1%) cashback earned in the same statement month. The flat ₹250 caps modeled here are an approximation and can overstate value for low-base-spend users.
10% value-back at Preferred Partners (Zomato, Blinkit, District Movies), modeled with a ₹500/mo cap (dynamic 2x/1x-base caps apply post 12 Apr 2026).
10% utility cashback requires payment through the Airtel Thanks app.
Complimentary airport lounge access was discontinued effective 12 April 2026.
Welcome benefit is a ₹250 Amazon voucher on first transaction within 30 days.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Confirmed 2026-07-13 against the live issuer page (JS-rendered via browser).
Quick answers
Is the Airtel Axis Bank Credit Card lifetime free?
No, the annual fee is ₹500 (plus GST), waived on spending ₹2,00,000 a year.
What is the highest reward rate on the Airtel Axis Bank Credit Card?
25% — 25% on Airtel Mobile/Broadband/WiFi/DTH via Airtel Thanks app. Effective value depends on monthly caps; see the caveats on this page.
Does the Airtel Axis Bank Credit Card give airport lounge access?
No, the Airtel Axis Bank Credit Card does not include airport lounge access.
Where the Airtel Axis Bank Credit Card fits
Ranks in our: First credit cards for beginners (#2).
Compare it: Airtel Axis Bank Credit Card vs Swiggy HDFC Bank Credit Card · Airtel Axis Bank Credit Card vs Axis Bank ACE Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.