Axis Airtel Credit Card - Features, Benefits, Fees & Charges

Best For

Fuel

Shopping

Utility Bills

Joining/Annual Fees

Joining Fees

₹590 ( ₹500 + GST )

Get an Amazon e-voucher worth ₹500 on your first transaction made within 30 days of card issuance.

Annual Fees

₹590 ( ₹500 + GST )

Annual fee is waived on spends over ₹2 lakh.

Eligibility

Age Criteria

21-70 years

Salary Criteria

2 LPA

Credit Rating*

750+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

N/A

Redemption Options

This is a cashback card; cashback is adjusted against your monthly statement.

To check redemption catalogue

All Card Benefits

All Card Benefits

25% Cashback on Airtel Mobile, DTH, or Broadband Recharge via Airtel Thanks App: Capped at ₹250 per billing cycle
10% Cashback on Swiggy, Zomato, and Bigbasket: Capped at ₹500 per billing cycle
Enjoy exclusive discounts of up to 15% at partner restaurants with EazyDiner and make every meal memorable
₹500 worth Amazon Voucher on paying the joining fees and doing the first transaction within 30 days
4 Domestic Airport Lounge Access per Year: Requires a minimum spend of ₹50,000 in the previous quarter to avail of this benefit
1% Fuel Surcharge Waiver on All Petrol Pumps Across India: Waiver capped at ₹500 per statement cycle

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Utility Bill Payments

Cash Advances

Fuel Spends

Rent Payments

Wallet Loads

Jewellery Purchases

Insurance Payments

Education Spends

Government-related Transactions

For Spends Waiver

Utility Bill Payments

Cash Advances

Fuel Spends

Rent Payments

Wallet Loads

Jewellery Purchases

Insurance Payments

Education Spends

Government-related Transactions

Bank Fee Structure

Structure	Details
Forex Markups 3.5% Forex Markups are levied if you use your card to make payments in any currency other than ₹ (INR). This fee applies to payments on e-commerce websites accepting foreign currencies or transactions made outside India using a POS. Below is a breakdown of forex markup for common spends: ₹100 - ₹3.5 ₹1,000 - ₹35 ₹10,000 - ₹350 ₹1,00,000 - ₹3,500	3.5%
APR Fees 3.75% monthly interest is charged on the outstanding amount if the statement is not paid in full by the due date Credit cards provide an interest free payment period of about 20–55 days depending on the transaction date and billing cycle If you fail to make payment by the due date then the bank starts charging interest on the outstanding balance To avoid heavy interest charges over a long time you can convert large spends into EMIs, which usually have lower effective interest than revolving credit	3.75%
ATM Withdrawl For every withdraw money transaction you will be charged 2.5% of the amount withdrawn or ₹500 whichever is higher	2.5%
Reward Redemption Fees ₹99+ GST per redemption request	₹99
Link for all T&Cs	Click Here
Railway Surcharge	Not Applicable
Rent Payment Fees	1%
Cheque Payment Fees	₹100
Cash Payment Fees	₹100

Late Payment Fees An additional ₹100 will be charged on missing the payment of the Minimum Amount Due by the due date for two consecutive cycles, and this charge will continue to apply for every payment cycle until the Minimum Amount Due is cleared	Amount Due
₹0 – ₹500	₹0
₹501 – ₹1,000	₹500
₹1,001 – ₹10,000	₹750
Above ₹10,000	₹1200