Airtel Axis Bank Credit Card – Benefits, Rewards & Charges

Key Takeaways:

1. The Airtel Axis Bank Credit Card offers high cashback benefits, such as 25% on Airtel bills and 10% on food delivery and groceries.
    
2. With a low annual fee of ₹500 and a waiver on ₹2,00,000 spend, this card is both affordable and rewarding.
    
3. The card integrates with the Airtel Thanks app, allowing users to easily track spending, view cashback, and pay utility bills directly.
    
4. It’s best suited for Airtel users and online shoppers looking for instant value, but lacks premium travel perks like lounge access.

Bonus Tip: Get 25% cashback on Netflix and Prime subscriptions via the Airtel Thanks App, exclusive to Airtel Axis Bank Card users. Save more on entertainment monthly!

The Airtel Axis Bank Credit Card is a co-branded credit card created to give maximum cashback on daily spends such as Airtel bills, food orders, and regular transactions. It uses a straightforward cashback structure that helps you save without tracking complicated reward points.

Let’s understand it with the help of an example:

Suppose you pay your Airtel broadband bill of ₹1,200 every month; however, with an Airtel Axis Bank Credit Card, you receive 25% cashback, which is equal to ₹300. Over a year, with the Airtel Axis Bank Credit Card, you can save around ₹3,600 on just one bill.

This makes the Airtel Axis Bank Credit Card a useful option for households and individuals who prefer instant value from their credit card. This blog will walk you through the highlights, benefits, fees, charges, eligibility, and the application process for this card.

Key Highlights Of Airtel Axis Bank Credit Card 
 

If you are interested in the Airtel Axis Bank Credit Card, then you need to know what the card offers; the following are the key highlights of the Airtel Axis Bank Credit Card:

• 25% cashback on Airtel mobile, DTH, and broadband bills (up to ₹250 per month).
   
• 10% cashback on Swiggy, Zomato, and BigBasket (up to ₹500 per month).
   
• Flat 1% cashback on all other spends.
   
• Affordable annual fee of ₹500 + GST with a waiver on ₹2,00,000 yearly spend.
   
• Airtel Thanks app integration for easy tracking and payments.
   
• Tap-and-pay is enabled for faster transactions.

From the above-mentioned points, you can see that this card brings a balanced mix of high savings, convenience, and everyday usability.

Read More - Flipkart Axis Bank Credit Card Lounge Access: Complete Guide 

Benefits Of Airtel Axis Bank Credit Card 

The card is designed to provide value in categories where most people spend regularly; the following table highlights the benefits of the Airtel Axis Bank Credit Card:
 

The above-mentioned benefits ensure steady savings and make the card a reliable partner for everyday expenses.

Bonus Tip: 

Airtel Axis Bank Credit Card Cashback & Rewards 

Before moving ahead, let’s have a closer look at how cashback is divided among different spending categories. The following table shows the cashback and rewards of the Airtel Axis Bank Credit Card, assuming ₹2,00,000 annual spends:
 

The above-mentioned table shows that if you use the card smartly, you can maximise monthly cashback across multiple categories.

Airtel Axis Bank Credit Card Fees & Other Charges 

It is important for you to understand the fees to calculate the real value of the card; the following table shows the fee structure of the Airtel Axis Bank Credit Card:
 

From the above-mentioned table, you can see that the fee is modest and easily covered by cashback, and with consistent spending, the renewal fee gets waived entirely.

Late Payment Fee Applicable On Airtel Axis Bank Credit Card 

Like every credit card, the Airtel Axis Bank Credit Card also charges a late fee if you miss the payment due date; the following table highlights the late payment fee applicable to the Airtel Axis Bank Credit Card:
 

The above-mentioned fee structure makes it important to pay dues on time to avoid unnecessary penalties.

Airtel Axis Bank Credit Card Pros & Cons 

Every card has strong points as well as areas where it may not suit everyone; the following table highlights the pros and cons of the Airtel Axis Bank Credit Card:
 

Overall, the card offers excellent value for frequent Airtel users and online shoppers, though it may not appeal to those seeking travel or lifestyle privileges

Also Read - Axis Bank Credit Card – Features, Benefits & How to Apply 

Eligibility Criteria For Airtel Axis Bank Credit Card 

The eligibility requirements are kept simple to ensure more users can apply; the following are the eligibility criteria:

• The age of the primary cardholder should range between 18 and 70 years.
   
• Individuals should be residents of India.

These basic conditions make the card accessible to a wide range of applicants without unnecessary restrictions.

Required Documents To Apply For Airtel Axis Bank Credit Card 

You must provide basic documents for identity, address, and income verification; the following table highlights the common documents required for the Airtel Axis Bank Credit Card:
 

These are the general documents required for an Airtel Axis Bank Credit Card; however, you must keep in mind that this list is only indicative, and documents required may vary on a case-by-case basis.

How To Apply For An Airtel Axis Bank Credit Card?

You can apply through both online and offline channels; however, the Airtel Thanks app and Axis Bank website provide the fastest route. The following are the steps to apply:

Step 1: Install the Airtel Thanks App
Download and install the Airtel Thanks app from the Google Play Store or Apple App Store on your smartphone.

Step 2: Go to the “Shop” Section
Open the app and navigate to the “Shop” section available in the bottom menu.

Step 3: Choose Financial Services
Inside the Shop section, tap on “Financial Services” to explore credit card options.

Step 4: Tap on “Credit Card”
Select the “Credit Card” tab and then press “Apply Now” to begin your application.

Step 5: Enter Your Personal Details
Fill out the online form with your:

• PAN card number or Form 60
   
• Name, mobile number, and email ID
   
• Residential and work address

Step 6: Upload Required Documents
You’ll need to upload:

• ID Proof (Aadhaar card, Passport, etc.)
   
• Address Proof (Utility bill, rent agreement, etc.)
   
• Income Proof (Salary slip, bank statement, or ITR)
   
• Passport-size colour photo

Step 7: Complete Digital KYC
Follow the in-app prompts to finish your digital KYC verification, usually through a quick video call or OTP process.

Step 8: Card Processing & Delivery
Once your application is approved, the physical Airtel Axis Bank Credit Card will be dispatched and delivered to your registered address within 5–7 working days.

Here are the step-by-step instructions to apply for the Airtel Axis Bank Credit Card offline:

Steps to Apply Offline for Airtel Axis Bank Credit Card:
 

1. Visit Axis Bank Branch
   Go to your nearest Axis Bank branch. Make sure to carry your ID and essential documents.
    
2. Request the Application Form
   Ask the bank staff for the physical application form for the Airtel Axis Bank Credit Card.
    
3. Fill in the Required Details
   Complete the form with accurate personal, professional, and financial information.
    
4. Attach Required Documents
   Submit copies of the following documents along with the form:
    
   • PAN card or Form 60
      
   • Identity proof (like Aadhaar, Passport, or Voter ID)
      
   • Address proof (utility bills, Aadhaar, etc.)
      
   • Income proof (salary slips, ITR, or bank statements)
      
   • Passport-size colour photograph
      
5. Submit the Application
   Hand over the filled application form and documents to the bank official for verification.
    
6. Meet the Eligibility Criteria
   Ensure you fulfil the card’s eligibility requirements, like age, income level, and credit history.
    
7. Wait for Approval
   The bank will verify your application and documents. Based on their internal checks, they will approve or decline your application.
    
8. Receive the Credit Card
   If approved, you will receive your Airtel Axis Bank Credit Card by post within 5–7 working days.
    

Once your card is active, you can use the Airtel Thanks app to track your usage, view your earned cashback, and view the bills you have paid.

Conclusion 

The Airtel Axis Bank Credit Card is an affordable and rewarding option for those who spend regularly on Airtel services, food delivery, and online shopping.

The Airtel Axis Bank Credit Card is made for practical savings, with up to 25% cashback, 10% on essentials, and unlimited 1% on all other spends.

The fee is low and can be waived easily, while the integration with the Airtel Thanks app makes it convenient to manage. 

If your spending habits match the card’s reward categories, this card can save you a significant amount every year.

FAQs

1. How can I increase my Airtel Axis card limit?

You can request a higher limit by contacting Axis Bank on their toll-free number: 18604195555 or 18605005555.

2. Is Airtel Bank safe to use?

Yes, Airtel Payments Bank is regulated by the Reserve Bank of India (RBI), making it safe for transactions and savings.

3. Can I use an Airtel Axis Bank credit card on Flipkart?

Yes, the card works on Flipkart and all other major online platforms where Visa cards are accepted.

4. What is the cashback limit for the Axis Airtel Credit Card?

You can get up to ₹250/month for utility bill payments via the Airtel Thanks App and ₹500/month for preferred merchants combined.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.