एयरटेल एक्सिस बैंक क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Telecom co-branded card offering 25% cashback on Airtel bills, 10% on utility bills, and 10% on Swiggy, Zomato, and BigBasket.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
Amazon gift voucher worth ₹500 credited upon completing first transaction within 30 days of card issuance.
4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter) upon spending ₹50,000 in preceding quarter.
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).
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹20,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Open the Airtel Thanks app and tap on 'Airtel Axis Bank Credit Card'. Step 2: Enter PAN and verify mobile number via instant OTP. Step 3: Submit employment details, company name, and monthly income. Step 4: Confirm current residential address for card dispatch. Step 5: Complete online Video KYC session with Axis Bank verification desk. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.