Axis Airtel Credit Card

About Axis Airtel Credit Card

Are your monthly mobile, broadband, and electricity bills eating into your budget? The Axis Airtel Credit Card is designed to turn those mandatory expenses into significant savings.

This card offers a massive 25% cashback on Airtel bill payments and 10% on utility bills. If you spend around ₹10,000 monthly across Airtel services, utilities, and food delivery apps, you can easily see an annual saving of over ₹10,020. It is a straightforward cashback tool that skips the headache of reward points and puts money directly back into your statement.

Built for urban professionals and households earning ₹2 lakh or more annually, this card specifically targets those who use the Airtel ecosystem for their digital needs. Whether it is your DTH connection, office Wi-Fi, or daily Swiggy orders, the savings add up fast.

What sets it apart:

• 25% cashback on Airtel bills, which is significantly higher than the standard 1-2% offered by most entry-level cards.
• 10% cashback on essential utilities like gas and electricity via the Airtel Thanks app.
• Automatic cashback redemption where your earnings are adjusted against your next month's statement balance.

Quick check: To qualify, you will need a minimum annual income of ₹2 lakh (salaried) or ₹2.5 lakh (self-employed) and a CRIF score of 750 or above.

Let's break down why this card is a top contender for your wallet:

Key Benefits and Features of Axis Airtel Credit Card

The Axis Airtel Credit Card functions as a powerhouse for monthly recurring expenses. Unlike cards that offer points you might never use, this card focuses on direct statement credit.

Unbeatable Cashback on Airtel Ecosystem

If you are an Airtel loyalist, this is where you get the most value. You get 25% cashback on Airtel mobile (postpaid), broadband, Wi-Fi, and DTH bill payments. To get this benefit, you must make the payment through the Airtel Thanks app. This cashback is capped at ₹250 per billing cycle. Even if your monthly bill is ₹1,000, you hit the maximum saving of ₹3,000 per year just on this one category.

Big Savings on Food and Groceries

For many of us, Swiggy, Zomato, and BigBasket are daily essentials. This card offers 10% cashback on these platforms. The combined cashback for these apps is capped at ₹500 per month. If you spend ₹5,000 monthly on food delivery and groceries, you save ₹6,000 annually. This is a great feature for those who prefer the convenience of app-based shopping.

Utility Bill Rewards

Utility bills like electricity, gas, and landline payments often offer zero rewards on standard cards. The Axis Airtel Credit Card changes that by offering 10% cashback on these payments when made via the Airtel Thanks app. This is capped at ₹250 per billing cycle, allowing you to save another ₹3,000 every year.

Welcome Benefits and Activation

When you get the card and pay the joining fee, the bank welcomes you with an Amazon e-voucher worth ₹500. To get this, you just need to make your first transaction within 30 days of the card being issued. It essentially offsets your joining cost immediately. Note that you must spend at least ₹100 in those first 30 days to activate the rewards program properly.

Airport Lounge Access

For occasional travelers, this card provides 4 complimentary domestic airport lounge visits per year. However, there is a catch: you must have spent at least ₹50,000 in the previous 3 months to use this benefit. This makes it a perk for active spenders rather than casual cardholders.

Dining Delights and Fuel Savings

Through the Axis Bank Dining Delights program, you get 15% off at partner restaurants when you book via EazyDiner. The discount goes up to ₹500 on a minimum bill of ₹2,500. Additionally, you get a 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000, with a monthly cap of ₹500. This helps keep your commute costs slightly lower.

Fees and Eligibility Criteria

Understanding the cost of ownership is vital. The joining fee is ₹500, and the annual fee is also ₹500. If your lifestyle involves spending over ₹2 lakh in a year on the card, the bank waives the annual fee for the next year.

To apply, you should be between 21 and 70 years old. Salaried individuals need an income of at least ₹2 LPA, while self-employed individuals need ₹2.5 LPA. A strong credit history with a CRIF score of 750+ is mandatory for a smooth approval process.

How to Apply for the Axis Airtel Credit Card

The application process is straightforward and can be completed online or via the Airtel Thanks app. Follow these steps to get started:

1. Visit the official Axis Bank website or open the Airtel Thanks app and navigate to the "Financial Services" or "Credit Cards" section.
2. Click on the "Apply Now" button for the Airtel Axis Bank Credit Card.
3. Enter your mobile number and PAN details to check for any pre-approved offers.
4. Fill in your personal details, including your name, age (must be 21-70), and address.
5. Provide your professional details to ensure you meet the minimum income of ₹2 LPA for salaried or ₹2.5 LPA for self-employed applicants.
6. Complete the digital KYC process, which usually involves a video call or a visit from a bank representative for document verification.
7. Once the bank verifies your CRIF score (750+) and documents, the card is typically dispatched within 7-10 working days.

You can track the exact status of your application via the Axis Bank website or mobile app if you do not receive an update within two weeks.

Documents Required for Axis Airtel Credit Card Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Credit Limit and What to Expect

Credit limits are assigned based on your income, credit score, and banking relationship. Most cardholders receive an initial limit ranging from ₹25,000 to ₹3,00,000 based on their profile. Applicants with a CRIF score above 750 and a steady income qualify for higher limits. If you consistently use the card and pay your bills on time, you may become eligible for a limit increase after 6-12 months of usage. You can track your limit and manage card settings through the Axis Mobile app or the Airtel Thanks app.

Comparison Table: Axis Airtel vs. Competitors

To see where this card stands, we compared it with other popular cashback cards in India.

If your primary goal is to save on household bills and you use an Airtel connection, the Axis Airtel card wins hands down due to the 25% cashback rate. However, if you shop across various websites and don't want to be tied to one app, the SBI Cashback card offers more flexibility despite the higher fee.

Who Should Get This Card?

Should you get this card? Here is who benefits the most:

The "Work-From-Home" Professional: If you are a professional earning ₹6 lakh annually and you pay for a high-speed Airtel broadband connection (₹1,500/month) plus two mobile postpaids, you are already hitting the cashback caps. Add in your monthly electricity bill of ₹3,000 and frequent Swiggy orders of ₹4,000, and you are looking at over ₹800 in monthly cashback. That is nearly ₹10,000 back in your pocket every year, far exceeding the ₹500 annual fee.

The Digital Native: If you rarely go to physical stores and do all your grocery and food shopping via BigBasket or Zomato, the 10% cashback is a huge win. For someone spending ₹5,000 monthly on these apps, the card pays for its annual fee in just one month of usage.

You might want to skip this card if:

• You do not use Airtel services. The 25% cashback is the main draw; without it, the card's value drops significantly.
• You want a card for luxury travel or high-end rewards. This is a functional cashback tool, not a travel card.
• You spend heavily on rent and insurance, as these categories are excluded from earning cashback.

BankKaro Expert Review

Based on the card's features, this card excels at providing immediate, tangible value for everyday expenses. Most credit cards treat utility bills as a "low-value" category, but the Axis Airtel card treats them as a priority. This makes it one of the most practical cards for the average Indian household.

The biggest limitation is the lounge access requirement. Setting a ₹50,000 spend limit for the previous quarter to access a lounge feels a bit restrictive for an entry-level card. It means you cannot just keep this card in your drawer for travel; you must use it as your primary card to enjoy that specific perk.

Our verdict: Choose this card if you are an Airtel customer and want a simple way to reduce your monthly living expenses. It is one of the few cards where the "math always works" in favor of the consumer, provided you use the Airtel Thanks app for your payments. The 25% and 10% cashback tiers are industry-leading for this fee bracket.

Terms and Conditions

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards.
• Cashback is not applicable on certain categories: Utility Bill Payments (if not done via Airtel Thanks app), Cash Advances, Fuel Spends, Rent Payments, Wallet Loads, Jewellery Purchases, Insurance Payments, Education Spends, and Government-related Transactions.
• Cashback earned in a billing cycle is adjusted against the outstanding balance in the next billing statement.
• The annual fee waiver of ₹2 lakh excludes transactions like wallet loads and rent payments.