Airtel Axis Bank Credit Card

With the Airtel Axis Bank Credit Card, you can earn cashback when you use the card for utility bills payments via the Airtel Thanks app. The annual fee of the Airtel Axis Bank Credit Card is Rs.500.

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Key Highlights of the Airtel Axis Bank Credit Card

These are the key highlights of the Airtel Axis Bank Credit Card:

  1. Get an Amazon e-voucher of Rs.500 on your first transaction of the card.
  2. 10% cashback on purchases made via Zomato/Swiggy/bigbasket
  3. Get a discount of up to 20% when you dine at partner restaurants.
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Features and Benefits of the Airtel Axis Bank Credit Card

These are the features and benefits of the Airtel Axis Bank Credit Card:

Welcome benefits:

  1. Get an Amazon e-voucher of Rs.500 when you make your first transaction* of the credit card.

Note:  The transaction has to be made within 30 days of the card being issued to you.

Cashback benefits:

  1. 25% cashback on Airtel mobile/broadband/wifi/DTH bill payments made via the Airtel Thanks app.
  2. 10% cashback on utility bill payments made with the Airtel Axis Bank Credit Card (via the Airtel Thanks app).
  3. 10% cashback on purchases made through Swiggy/Zomato/bigbasket
  4. 1% cashback on all other spends.

Milestone benefits:

  1. The annual fee of Rs.500 will be waived off if you have spent over Rs.2 lakh in the previous year.

Airport and lounge benefits:

  1. Get 4 free domestic airport lounge visits every calendar year.

Fuel surcharge benefits:

  1. Enjoy a waiver of 1% on fuel surcharge when you buy fuel at any fuel station in India.
  2. To avail this benefit, your transaction amount should be between Rs.400 and Rs.4,000.
  3. You can get a waiver up to Rs.500 in one statement cycle.
  4. GST (Goods and Services tax) will not be refunded on fuel surcharge
  5. On fuel transactions, no cashback will be offered

Dining benefits:

  1. Get up to 15% off when you dine at partner restaurants.

Equated Monthly Instalment (EMI) benefits:

  1. You can convert any transaction of over Rs.2,500 into EMIs.
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Revised Features of Airtel Axis Bank Credit Card

The following are the revised features of Airtel Axis Bank credit card with effect from 20 April 2024:

  1. Airtel Bill payments (Mobile, Broadband, Wi-Fi and DTH) through Airtel Thanks app will provide cashback of 25% which is capped up to Rs.250.
  2. On Broadband, Airtel Mobile, Wi-Fi and DTH bill payments via Airtel Thanks App the minimum cashback has been reduced from Rs.300 to Rs.250 per statement cycle, per statement cycle.
  3. On Utility payments (gas, electricity, etc.) through Airtel Thanks app offers cashback of 10% capped to Rs.250.
  4. On utility bill payments such as gas, electricity, etc., via Airtel Thanks App, the maximum cashback has been reduced from Rs.300 to Rs.250 per statement cycle.
  5. Except on transactions done via Airtel Thanks App, no cashbacks will be provided on utility spends done through other platforms.
  6. On any utility payment done on any platforms other than Airtel Thanks App, no cashback will be offered, but the cashback will be offered to the customer on utility spending done via the Airtel Thanks App.
  7. The lounge access benefits can be availed by the cardholders depending on your card spending in the previous three calendar months.
  8. The minimum spending criteria to avail airport lounge access is Rs.50,000 and the minimum spending period will be three months.

Eligibility Criteria to Apply for the Airtel Axis Bank Credit Card

You can apply for the apply for the Airtel Axis Bank Credit Card if you meet the following eligibility criteria:

  1. You have to be a resident of India.
  2. As a primary cardholder, you should be between 18 years and 70 years of age.

Documents Required to Apply for the Airtel Axis Bank Credit Card

You have to submit these documents when you apply for the credit card:

  • The application form for the Airtel Axis Bank Credit Card
  • Address proof documents
  • Identity proof documents
    • Passport
    • Driving licence
    • Voter ID Card
    • Aadhaar card
    • PAN card
  • One colour photograph of yourself
  • Documents of proof of income
    • Latest pay slip
    • Form 16
    • Copy of your IT return copy

Value Chart of Airtel Axis Bank Credit Card

Category

Benefit

Annual Spends

Benefits

Activation Benefit

500

-

500

Airtel Billpay & recharge

25%

Rs.14,400

Rs.3,600

Non telecom spends via Airtel Thanks app

10%

Rs.36,000

Rs.3,600

Purchase from Swiggy

10%

Rs.15,000

Rs.1,500

Purchase from bigbasket

10%

Rs.15,000

Rs.1,500

Purchase from Ola

10%

Rs.15,000

Rs.1,500

Purchase from Zomato

10%

Rs.15,000

Rs.1,500

Fuel surcharge waiver

1%

Rs.20,000

Rs.200

Other Spends

1%

Rs.69,600

Rs.696

Airport lounge access

Rs.4,000

Total Annual Benefits

Rs.18,596 (9.3%)

Fees and Charges of the Airtel Axis Bank Credit Card

The table summarises the fees and charges of the Airtel Axis Bank Credit Card:

Type of charge

Fee

Joining fee

Rs.500

Annual fee

Rs.500

Joining fee (add-on credit card)

Waived

Annual fee (add-on credit card)

Waived

Finance charge

3.6% per month (52.86% -annualised)

Fee for card replacement (primary card)

Rs.100

Fee for card replacement (add-on card)

Rs.100

Cash payment fee

Rs.100

Duplicate statement fee

Waived

Fee for charge-slip retrieval/copy request fee

Waived

Mini statement SMS

Free

Outstation cheque fee

Waived

Balance enquiry charge

Waived

Late Payment Charges

Up to Rs.300: NIL

Rs.301 to Rs.500: Rs.100

Rs.501 to Rs.1,000: Rs.500

Rs.1,001 to Rs.10,000: Rs.500

Rs.10,001 to Rs.25,000: Rs.750

Rs.25,001 to Rs.50,000: Rs.1,000

Over Rs.50,000: Rs.1,000

Processing fee for balance transfer

  1. 1% of the balance transfer amount
  2. This fee is subject to a minimum amount of Rs.250

Cash withdrawal fee

  1. 2.5% of the amount withdrawn
  2. Subject to a minimum amount of Rs.500

Overlimit fee

  1. 2.5% of the overlimit amount
  2. Subject to a minimum amount of Rs.500

Railway tickets purchase/cancellation surcharge

As determined by IRCTC/Indian Railways

Cheque return/dishonor fee or auto-debit reversal

2% of the amount Subject to a minimum of Rs 450

Foreign currency transaction fee

3.50%

Goods and Services Tax (GST)

As per government norms

FAQs on Airtel Axis Bank Credit Card

  • Will I earn cashback on my fuel transactions?

    No, you cannot earn cashback on fuel transactions.

  • Will the GST on fuel surcharge be refunded?

    No, the GST that is charged on your fuel surcharge is not refundable.

  • How do I reach the Axis Bank credit card customer care desk?

    You can contact Axis Bank credit card customer care desk by calling 1860 419 5555.

  • Are there any minimum expenditure criteria to get the cashback?

    No, there is no minimum amount you have to spend to get the cashback. There is a monthly cap on the cashback you can get for each spend.

  • Is this card only available for Axis Bank account holders?

    No, anyone can apply for the credit card if they meet the criteria.

  • What will be the credit limit of the card?

    Every cardholder has a different credit limit based on various factors.

  • Why am I not eligible for this credit card?

    The bank has a lot for internal policies and if you do not meet the criteria then you will not be eligible for the credit card.

  • When will I receive the physical card?

    You will get the credit card within 7 to 10 days of the application being approved.

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