Card Details
Airtel Axis Bank Credit Card
Monzy Score
7.5/ 10
Very good for diners and foodies.
Strong ~25% back in its core category; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹500
Annual Fee
₹500
Reward Type
Cashback
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Earn Points
25%
Cashback on Airtel mobile/broadband/Wi-Fi/DTH via Airtel Thanks (cap = 2× base cashback earned)
10%
Cashback on electricity, water and gas bills via Airtel Thanks (cap equals base cashback earned)
10%
Value-back on Zomato, Blinkit & District Movies via partner wallets (₹200 per partner per month)
1%
Cashback on other eligible spends (unlocks higher-category caps)
Benefits
25% cashback on Airtel Thanks bill payments…
- High Airtel cashback
- 25% cashback on Airtel services via Airtel Thanks app
- Cap equals twice the base-category cashback earned that month
- Requires sufficient base-category spending to unlock full 25% benefit
10% cashback on electricity, gas and water via…
- Utility savings through Airtel Thanks
- 10% cashback on utilities via Airtel Thanks
- Cap equals the base cashback earned that month
- Utility cashback does not apply on other platforms
₹500 fee waived on ₹2 lakh annual spends
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet_load, emi, insurance, government
Estimated Returns
Airtel mobile, broadband, wifi & DTH via Airtel Thanks app
Post 12-Apr-2026 devaluation: cap is DYNAMIC = 2x the 1% base cashback earned that month (no longer a fixed Rs 250). ~Rs 500 shown here reflects ~Rs 25k of base spend; will be lower/higher with actual base spend.
₹500
Utility bills (electricity/water/gas) via Airtel Thanks app
Post-Apr-2026: cap is DYNAMIC = 1x the 1% base cashback earned that month. ~Rs 250 reflects ~Rs 25k base spend.
₹250
Zomato & Blinkit (value back in partner wallet)
Post-Apr-2026: credited as Value Back in Zomato/Blinkit wallet, not bank cashback; min order Rs 499. Swiggy & BigBasket 10% WITHDRAWN. Lounge access removed entirely.
₹250
All other spends
1% base cashback; this base is what determines the dynamic caps above.
₹230
Total Annual Return
₹14,760
4.1% Effective ROIWhat Users Are Saying
Community Feed
Jan 2026
“Airtel axis bank credit card”
by r/CreditCardsIndia, Jan 2026
“AIRTEL AXIS CREDIT CARD”
by r/CreditCardsIndia, Jan 2026
“My 2 cents for people justifying Airtel Axis devaluation (with”
by r/CreditCardsIndia, Mar 2026
“Axis Airtel is Dead What's the Alternative?”
by r/CreditCardsIndia, Mar 2026
“Airtel Axis Bank Credit Card cashback has become almost”
by r/CreditCardsIndia, Jul 2026
Frequently Asked Questions
The Airtel Axis Bank Credit Card charges ₹500 plus GST as a joining fee and the same ₹500 again at renewal. Axis Bank waives the renewal fee if you spend ₹2L in the previous year, which is about ₹16,667 a month. If your card spend sits below that, treat ₹500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Accelerated cashback in the 25% and 10% buckets is capped at multiples of the base 1% cashback earned in the same statement cycle.
Preferred-partner 10% value-back is credited to Zomato, Blinkit and District wallets (₹200 per partner per month, minimum ₹499 for Zomato/Blinkit) rather than as statement cashback.
Welcome Amazon voucher is not provided on issuances where the joining fee is waived.
Airtel bill payment cashback monthly cap is twice the base cashback earned during the same statement month
