Axis Bank

Airtel Axis Bank Credit Card

Cashback card for Airtel users: 25% back on Airtel mobile, broadband, Wi-Fi and DTH bills and 10% on other utility bills when you pay them in the Airtel Thanks app, and 1% on most other spends. The app cashback is capped each cycle at twice (Airtel bills) and once (other bills) the 1% you earn on other spends. 10% back at Zomato, Blinkit and District comes as wallet credit in those apps, up to ₹200 each a month.

₹500 joining, ₹500 a year
Works on UPI (RuPay)
RuPay

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Good

Nothing stands out against the cards we compare.

Watch out for

At ₹500 a year, it doesn't beat a free card's rate on any spend
Earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments
High forex markup (3.5%)

Who it's for: People whose spending matches its best category: everyday spends.
Skip it if: You want rewards to cover the fee: a free card pays as much.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 1% (base rate)
Online shopping: 1%
Fuel: 0%
Groceries: 1%
Travel: 1%
Bills and utilities: 0%
Dining and food delivery: 1%

Fees and charges

Joining fee: ₹500
Annual fee: ₹500
Fee waiver: Renewal fee waived if you spend ₹2 lakh or more in the previous card year; rent, wallet loads and gift cards don't count towards it. No joining fee waiver is published. Paying the joining fee earns a ₹250 Amazon voucher on your first transaction within 30 days.
Forex markup: 3.5%
Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹500 per statement cycle; fuel earns no cashback

Benefits and eligibility

Airport lounge: No free lounge access. Axis ended the card's 4 domestic visits a year on 12 Apr 2026.
Card network: RuPay
UPI payments: Yes, as a RuPay credit card
Minimum income (salaried): Not published by the bank
Eligibility: Age 18 to 70 and resident in India. Axis doesn't publish an income requirement for this card; a payslip, bank statement, Form 16 or IT return is accepted as income proof. Approval is at Axis Bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

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CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.

What changed recently

28 Aug 2026FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Bank's notice or terms
28 Aug 2026FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Bank's notice or terms
28 Aug 2026Excluded spendsNeutral
Axis's card-wide terms now state that bridge fees, road fees and tolls earn no cashback; the card's cashback terms already excluded them.
Before: Tolls excluded in the cashback terms · After: Tolls, bridge and road fees excluded in the card-wide terms
Bank's notice or terms
12 Apr 2026Reward capsNeutral
Cashback on Airtel bills (25%) and other utility bills (10%) in the Airtel Thanks app is now capped at twice and once the 1% cashback earned on other spends in the same cycle, instead of a flat ₹250 each. Heavier spenders can earn more; light spenders earn less.
Before: ₹250 a month cap on each · After: 2x (Airtel bills) and 1x (utility bills) the base cashback earned in the same cycle
Cashback under the new caps shows on statements generated from 12 Jun 2026.
Bank's notice or terms
12 Apr 2026RewardsWorse for you
10% cashback on Swiggy, Zomato and BigBasket was replaced by 10% value back on Zomato, Blinkit and District, paid as credit in each app's wallet (up to ₹200 a month per app, ₹499 minimum order at Zomato and Blinkit) instead of cashback on the card.
Before: 10% cashback on Swiggy, Zomato and BigBasket · After: 10% app-wallet value back on Zomato, Blinkit and District, up to ₹200 a month each
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the Airtel Axis Bank Credit Card worth it in 2026?

Only if most of your spending is on everyday spends. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.

Is the Airtel Axis Bank Credit Card lifetime free?

No. It costs ₹500 to join and ₹500 a year, plus GST. Renewal fee waived if you spend ₹2 lakh or more in the previous card year; rent, wallet loads and gift cards don't count towards it. No joining fee waiver is published. Paying the joining fee earns a ₹250 Amazon voucher on your first transaction within 30 days.

Does the Airtel Axis Bank Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments.

Does the Airtel Axis Bank Credit Card give airport lounge access?

No free lounge access. Axis ended the card's 4 domestic visits a year on 12 Apr 2026.

What earns no rewards on the Airtel Axis Bank Credit Card?

No cashback on fuel, rent, wallet loads, jewellery, insurance, education, government payments, gift cards, tolls, cash advances, EMI purchases (including purchases converted later, even if the EMI is closed early), card fees, or utility and phone bills paid outside the Airtel Thanks app. Cashback is worked out per transaction and rounded down to the rupee. Base 1% cashback has no cap.

Is there a limit on rewards with the Airtel Axis Bank Credit Card?

25% back on Airtel mobile, broadband, Wi-Fi and DTH bills paid in the Airtel Thanks app is capped each statement cycle at twice the 1% cashback you earn on other spends in that cycle. For example, ₹25,000 of other spends earns ₹250, so the Airtel bill cashback stops at ₹500 (₹2,000 of bills). With no other spends, Airtel bills earn nothing. Only bills of active Airtel connections count. 10% back on other utility bills (electricity, gas and any biller on Bharat BillPay) paid in the Airtel Thanks app is capped each statement cycle at the 1% cashback you earn on other spends in that cycle: ₹250 on ₹25,000 of other spends, which covers ₹2,500 of bills. Utility and phone bills paid anywhere else earn nothing, which is why bills shows 0%. 10% value back at each of Zomato, Blinkit and District (movies), up to ₹200 a month at each, credited to that app's wallet rather than your card bill. Card payments online only (not UPI), with a ₹499 minimum order at Zomato and Blinkit. These spends earn no Axis cashback.

Who can get the Airtel Axis Bank Credit Card?

Age 18 to 70 and resident in India. Axis doesn't publish an income requirement for this card; a payslip, bank statement, Form 16 or IT return is accepted as income proof. Approval is at Axis Bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Axis Bank's own product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 19 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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