Basic Information

Welcome Benefits Amazon e-voucher worth ₹250 on the first card transaction within 30 days of issuance; applicable only to eligible cards issued with a joining fee

Card Details Card Name: Airtel Axis Bank Credit Card; Bank Name: Axis Bank; Card Type: Co-branded Cashback Credit Card

Card Category Entry Level

Eligibility Minimum Age: 18 years; Maximum Age: 70 years; Residency: Indian resident; Employment Type: Not specified in the official bank criteria; Minimum Income Required: Not specified

Rewards Program

Cashback Airtel Mobile, Broadband, Wi-Fi and DTH payments through Airtel Thanks App: 25% cashback, capped at twice the base cashback earned in the same statement cycle; eligible utility payments through Airtel Thanks App: 10% cashback, capped at the base cashback earned in the same cycle; Zomato, Blinkit and District Movies: 10% value back, up to ₹200 per partner per month; Zomato and Blinkit minimum order value: ₹499; other eligible spending: 1% cashback without a fixed cap; cashback is subject to eligible transactions and exclusions

Redemption Cashback is credited automatically to the credit card account; separate redemption request not required; Reward Redemption Fee: Nil

Travel Benefits

Travel Offers Wednesday Delight: Instant savings of up to 15% on eligible flights and hotel bookings through Goibibo and MakeMyTrip; offer terms apply

Shopping Benefits

Brand Offers Wednesday Delight: 10% discount on eligible Swiggy orders; 10% discount on Tira purchases, up to ₹1,000; merchant eligibility, offer periods and terms apply

EMI Offers Eligible purchases of ₹1,500 or more can be converted into EMI; cashback is not earned on transactions converted into EMI

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% at fuel stations across India; eligible fuel transactions: ₹400–₹4,000; maximum waiver: ₹500 per statement cycle; GST charged on fuel surcharge is not refundable; fuel transactions do not earn cashback

Dining & Entertainment

Dining 10% value back on eligible Zomato transactions, up to ₹200 per month; 10% discount on eligible Swiggy orders during Wednesday Delight, subject to offer terms

Movies 10% value back on eligible District Movies transactions, up to ₹200 per month

Daily Spending Benefits

Utility Bills 10% cashback on eligible electricity, gas and other supported utility bill payments made through Airtel Thanks App; capped at the base cashback earned during the same statement cycle; utility payments outside Airtel Thanks App do not earn cashback

Grocery No separately verified grocery-specific benefit in the current official bank terms

Digital Features

Payments Contactless Payment: Not specified in the verified card-specific information; UPI on Credit Card: Not specified for this card variant

Add-on Features

Family Benefits Add-on Card Joining Fee: Waived; Add-on Card Annual Fee: Waived; Add-on Card Replacement Fee: ₹100

EMI Features Eligible purchases of ₹1,500 or more can be converted into EMI; cashback on the converted transaction is not applicable and previously credited cashback may be reversed

Bill Payments Automatic cashback credit to the credit card statement; payment and statement facilities are subject to Axis Bank card servicing terms

Fees & Charges

Joining Charges Joining Fee: ₹500

Annual Charges Annual Fee: ₹500 from the second year onwards; Annual Fee Waiver: Available on eligible annual spending above ₹2,00,000; rent and wallet-load transactions are excluded from waiver calculations

Finance Charges Interest Rate: 3.75% per month (55.55% per annum); Late Payment Fee: ₹0 for dues below ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for ₹10,001–₹50,000; ₹1,300 above ₹50,000; an additional ₹100 applies when the minimum amount due remains unpaid for two consecutive cycles, until cleared

Cash Advance Charges Cash Withdrawal Fee: 2.5% of the amount withdrawn, subject to a minimum of ₹500

EMI Charges EMI Facility: Eligible transactions of ₹1,500 or more can be converted into EMI; EMI Processing Fee: Not specified; EMI Interest: Depends on the applicable EMI terms

Forex Charges Foreign Currency Markup: 3.50%; Dynamic Currency Conversion Markup: 3.5% plus applicable taxes for specified international transactions charged in Indian currency

Other Charges Primary Card Replacement Fee: Nil; Add-on Card Replacement Fee: ₹100; Overlimit Fee: 2.5% of the overlimit amount, subject to a minimum of ₹500; Reward Redemption Fee: Nil; Cash Payment Fee: ₹175; Rent Transaction Fee: 1%; Wallet Load Fee: 1% on cumulative wallet loads of ₹10,000 or more per statement cycle; Utility Transaction Fee: 1% on cumulative utility spends above ₹25,000 per statement cycle; Education Transaction Fee: 1% per transaction through third-party apps; Fuel Transaction Fee: 1% on cumulative fuel spends above ₹50,000 per statement cycle; Online Skill-Based Gaming Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle; applicable taxes extra

Performance & Ratings

Best Usage Best For: Airtel recharges and bills, eligible utility payments through Airtel Thanks App, Zomato, Blinkit, District Movies and general eligible spending

Advantages High cashback rate on eligible Airtel bills; cashback on selected utility payments; additional value back on selected lifestyle partners; 1% cashback on eligible general spending; annual fee waiver linked to eligible spending; fuel surcharge waiver

Limitations Cashback on Airtel and utility payments depends on base cashback earned in the same statement cycle; utility cashback is restricted to Airtel Thanks App transactions; fuel, rent, wallet loads, insurance, education, EMI transactions and several other categories are excluded from cashback; foreign currency markup is 3.5%; annual fee waiver requires eligible annual spending above ₹2 lakh