Airtel Axis Bank Credit Card: Apply for the Best Credit Card in 2022

Are you already a Bharti Airtel Limited customer? The company, also known as Airtel, offers a credit card that might be the right choice for you. 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.

Slice Credit Card is the right choice for you

What are the benefits?

The main benefits offered by the Airtel Axis Bank Credit Card include:

  • Cashback,
  • Discounts,
  • Vouchers,
  • Offers on the best brands (BigBasket, Zomato, and Swiggy are remarkable examples),
  • Dining Delights,
  • Convert Purchases into EMI,
  • Complimentary Airport Lounge Access,
  • Fuel Surcharge Waiver.

Cashback Benefits

By using this service from Axis Bank, you can enjoy different percentages of cashback, which vary according to the service, product, or brand consumed. This system adopts the following proportions:

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

You can also check the chart below:

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

It is worth reminding you that the cashback will directly be credited in your credit card statement.


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.

Dining Delights

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

Convert purchases to EMI

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

Complimentary airport lounge access

With your Airtel Axis Bank credit card, you will be able to 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

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. 

Now that you know the main attractions this card provides, it is time to get to know its taxes and fees!

Taxes and fees

Check the central taxes and fees charged for the service:

Joining Fee – Primary Card Rs.500/-
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/-
Late payment feesNil if Total Payment Due is up to Rs. 300Rs. 100 if total payment due is between Rs. 301 – Rs. 500Rs. 500 if total payment due is between Rs. 501 – Rs. 1,000Rs. 500 if total payment due is between Rs. 1,001 – Rs. 10,000Rs. 750 if  total payment due is between Rs. 10,001 – Rs. 25,000Rs. 1000 if total payment due is between Rs. 25,001 and 50,000Rs. 1000 if  total payment due is greater than Rs.50,000
Cash Withdrawal FeeMin. Rs. 500 up to 2.5% of the cash withdrawal amount
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
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

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

How to apply?

If you are interested in getting an Airtel Axis Bank Credit Card, you only need to download the Airtel Thanks app and follow the steps provided by it. 

It’s also important 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.

Residence proof (any of the following):

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

Identity proof (any of the following):

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

The eligibility criteria for accessing this card are only two:

You must be between the age of 18 and 70 years and you must also be a resident of India.

Limitations of Artiel Axis Bank Credit Card

Even though the card offers very attractive benefits, it also has limitations that you should know about before applying. They are:

  • No cashback on fuel spends, jewelry purchases, rental payments, EMI transactions, Cash advances, Payment of outstanding balances as well as payments of card fees and other charges,
  • No milestone benefits,
  • No annual fee waiver.

For whom is this card recommended?

After reading this post, you probably know that the Airtel Axis Bank Credit Card is ideal for Airtel customers who seek cashback over rewards and miles.