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Axis Bank Airtel Credit Card
A co-brand cashback card built for heavy Airtel customers, offering an outsized 25% cashback on Airtel mobile, broadband, Wi-Fi and DTH bills paid via Airtel Thanks (monthly cap tied to twice the base cashback earned), 10% on other utility bills and on Zomato, Blinkit and District, with a flat 1% cashback everywhere else. The ₹500 joining/annual fee is easily waived on ₹2L yearly spend, making it a near-free card for anyone already paying Airtel bills monthly. It works best as a companion card for Airtel-linked spend rather than a primary everyday card given the thin base rate elsewhere.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
10% reward rate (capped ₹200/monthly)
- 🧾 Utilities
25% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹4,000 transactions, up to ₹500 per statement
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: Cashback is auto-credited as statement credit; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, up to ₹500 per statement
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- Amazon e-voucher worth ₹250 on the first transaction within 30 days of card issuance (not applicable to cards issued without a joining fee)
- 25% cashback on Airtel mobile, broadband, Wi-Fi and DTH bill payments via the Airtel Thanks app (monthly cap = twice the base cashback earned that month); 10% on gas/electricity-type utility bills via Airtel Thanks (cap = base cashback earned); 10% value back on Zomato, Blinkit and District (up to ₹200 per partner per month)
- 1% fuel surcharge waiver on ₹400–₹4,000 transactions, up to ₹500 per statement
Pros
- + Very high 25% cashback on Airtel recharges and bills via Airtel Thanks
- + 10% cashback on other utility bills via Airtel Thanks and 10% value back on Zomato, Blinkit and District
- + Low, easily-waived ₹500 annual fee
- + Simple auto-credited cashback with no point conversion or redemption hassle
Cons
- − Airtel and utility cashback is capped at a multiple of the base cashback earned that month, so the headline 25% only pays out if you also spend on the card elsewhere
- − Unremarkable 1% base rate outside Airtel and partner spend
- − Little value for anyone not already an Airtel postpaid/DTH/broadband customer
Best for
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