Airtel Axis Bank Credit Card Review

If you are already a Bharti Airtel Limited customer, the Airtel Axis Bank Credit Card may be the right choice!

If you want to be sure about it, this post will help you! Here, you will learn more about the Airtel Axis Bank Credit Card:

Features and Benefits

The principal advantages offered by the Airtel Axis Bank Credit Card include:

Cashback Benefits

This system works under the following proportions:

  • 25% cashback on Airtel Mobile, Broadband, WiFi, and DTH bill payments via the Airtel Thanks app,
  • 10% cashback on Swiggy, Zomato, and Bigbasket,
  • 10% cashback on utility bill payments (gas, electricity, etc.) via the Airtel Thanks App,
  • 1% cashback on all other spends.

You can also review the chart below:

Spends onCashbackMax CapMax Spends
Airtel Mobile, Broadband, DTH25%₹300₹1200
Utility Bills10%₹300₹3000
Swiggy, Zomato, and BigBasket10%₹500₹5000

Important: the cashback will directly be credited in your credit card statement.

Dining Delights

Access the most delectable cuisines in India and enjoy up to 20% off at the best partner restaurants!


You can get an Amazon eVoucher after applying for the Airtel Axis Bank credit card, which is worth Rs.500. Please note that this voucher is valid for the first transaction made within the 30 initial days of card issuance.

Complimentary airport lounge access

With your Airtel Axis Bank credit card, you can enjoy 4 complimentary lounge visits per year at selected domestic airports. Check the list:

ChennaiTFS Travel ClubDomestic
ChennaiTFS Travel ClubDomestic
DelhiPlaza PremiumDomestic T2
DelhiPlaza PremiumDomestic T3
DelhiPlaza PremiumInternational T3
HyderabadPlaza PremiumDomestic
HyderabadPlaza PremiumInternational
KolkataTFS Travel ClubDomestic
KolkataTFS Travel ClubInternational
MumbaiTFSDomestic T2
MumbaiTFSDomestic T1C
PuneBird GroupDomestic

Convert purchases to EMI

You can contact the bank and easily convert your transactions of Rs. 2500 or more into EMI.

Fuel Surcharge waiver

This benefit reduces the amount of the transaction fee that you pay when using a credit card. With the Airtel Axis Bank credit card, you get the following reduction:

  • 1% fuel surcharge waiver on fuel purchases at all fuel stations across India.

The deduction is valid on transactions between Rs. 400 to Rs. 4.000. 

Eligibility Criteria

If you want to get an Airtel Axis Bank Credit Card, you only need to download the Airtel Thanks app and follow the steps indicated by it. 

It’s also essential to know that to apply, you’ll need the following documents:

  • PAN card photocopy,
  • Colour photograph,
  • Latest payslip/Bank statement /Form 16/IT return copy as proof of income.

Identity proof (any of the following):

  • Passport,
  • Driving license,
  • Voter ID Card,
  • Aadhaar card,
  • PAN card.

Residence proof (any of the following):

  • Passport,
  • Driving License,
  • Voter ID Card,
  • Aadhaar card.

The eligibility criteria for accessing this card are only two:

  • You must be between the age of 18 and 70 years,
  • You must be a resident of India.

Taxes and fees

Annual Fee – Primary CardAnnual Fee: 500 2nd year onwardAnnual fee waived off on annual spends greater than Rs. 2,00,000/-
Card replacement fee – Add-on CardRs.100/-
Cash Payment feeRs.100/-
Cash Withdrawal FeeMin. Rs. 500 up to 2.5% of the cash withdrawal amount
Cheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,504
Foreign currency transaction fee3.50% of the transaction value
GSTAs per existing Government norms
Joining Fee – Primary Card Rs.500/-
Late payment feesNil if Total Payment Due is up to Rs. 300Rs. 100 if the total payment due is between Rs. 301 – Rs. 500Rs. 500 if the total payment due is between Rs. 501 – Rs. 1,000Rs. 500 if the total payment due is between Rs. 1,001 – Rs. 10,000Rs. 750 if the total payment due is between Rs. 10,001 – Rs. 25,000Rs. 1000 if the total payment due is between Rs. 25,001 and 50,000Rs. 1000 if the total payment due is greater than Rs.50,000
Over limit FeesMin. Rs. 500 up to 2.5% of the over-limit amount
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian Railways

You must be aware that these are only the main fees: you may find other ones while reading the service contract.