INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official axisbank.com (Axis Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Axis Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

Airtel Axis Bank Credit Card

एयरटेल एक्सिस बैंक क्रेडिट कार्ड

Telecom co-branded card offering 25% cashback on Airtel bills, 10% on utility bills, and 10% on Swiggy, Zomato, and BigBasket.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward Rate25% Cashback on Airtel mobile recharges, Airtel broadband, and Airtel DTH bill payments via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on utility bill payments (electricity, gas, water) via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on Swiggy, Zomato, and BigBasket (capped at ₹500 per month). 1% unlimited cashback on all other retail transactions.

Airport Lounge4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) upon spending ₹50,000 in preceding quarter.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Airtel Axis Bank Credit Card is India's highest-earning utility and telecom co-branded card. Created in partnership with Bharti Airtel, it delivers an unprecedented 25% cashback on Airtel mobile and broadband bills, 10% on household utility bills, and 10% on Swiggy, Zomato, and BigBasket.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹2,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

Amazon gift voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.

⚡Reward Points Structure

25% Cashback on Airtel mobile recharges, Airtel broadband, and Airtel DTH bill payments via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on utility bill payments (electricity, gas, water) via Airtel Thanks app (capped at ₹250 per month). 10% Cashback on Swiggy, Zomato, and BigBasket (capped at ₹500 per month). 1% unlimited cashback on all other retail transactions.

Redemption Value: 1 Reward Point = ₹1.00. Cashback is automatically adjusted directly against the credit card statement balance in the subsequent monthly billing statement.

🛫Airport & Railway Lounge Access

4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) upon spending ₹50,000 in preceding quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹500 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Up to ₹1,000 in monthly direct-to-statement cashback across Airtel services, utility bills, and food delivery. Annual fee reversal on ₹2 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

25% Airtel cashback is capped at ₹250 per month. 10% utility cashback is capped at ₹250 per month. 10% food/grocery cashback is capped at ₹500 per month. Domestic lounge access requires spending ₹50,000 in prior quarter. Bills must be paid via Airtel Thanks app.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).

Reward Points ExpiryCashback is credited directly to statement balance and does not expire.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹20,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹3,60,000.

Age Requirement18 to 70 Years

Minimum Income₹20,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Millions of active Airtel broadband and postpaid subscribers receive pre-approved in-app banners.

SBI RelationshipNot mandatory. Open to all Indian citizens with an Airtel mobile number.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Airtel Thanks app and tap on 'Airtel Axis Bank Credit Card'.

2Enter PAN and verify mobile number via instant OTP.

3Submit employment details, company name, and monthly income.

4Confirm current residential address for card dispatch.

5Complete online Video KYC session with Axis Bank verification desk.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Axis Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (axisbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Airtel Axis Bank Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Airtel Axis Bank Credit Card into EMI?

Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Airtel Axis Bank Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00. Cashback is automatically adjusted directly against the credit card statement balance in the subsequent monthly billing statement. Please note: Cashback is credited directly to statement balance and does not expire.

What is the interest-free grace period on Airtel Axis Bank Credit Card and how does it work?

The interest-free period on Airtel Axis Bank Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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